Mandatum Oyj Ratios and Metrics

Market cap in millions EUR. Fiscal year is January - December.

Millions EUR. Fiscal year is Jan - Dec.

Fiscal Year	Current	FY 2025	FY 2024	FY 2023	FY 2022	FY 2021
Period Ending	May '26 May 4, 2026	Dec '25 Dec 31, 2025	Dec '24 Dec 31, 2024	Dec '23 Dec 31, 2023	Dec '22 Dec 31, 2022	Dec '21 Dec 31, 2021
Market Capitalization	3,427	3,461	2,252	2,042	-	-
Market Cap Growth	16.57%	53.66%	10.27%	-	-	-
Enterprise Value	3,353	3,418	1,980	1,669	-	-
PE Ratio	21.97	22.18	13.66	12.71	-	-
PS Ratio	6.45	6.52	3.83	3.24	-	-
PB Ratio	2.40	2.42	1.41	1.28	-	-
P/FCF Ratio	27.68	27.95	32.22	7.44	-	-
P/OCF Ratio	27.00	27.27	31.19	7.29	-	-
EV/Sales Ratio	6.31	6.44	3.37	2.65	-	-
EV/EBITDA Ratio	12.30	12.63	6.52	5.29	-	-
EV/EBIT Ratio	12.51	12.71	6.56	5.34	-	-
EV/FCF Ratio	27.08	27.61	28.32	6.08	-	-
Debt / Equity Ratio	0.43	0.43	0.39	0.23	0.22	0.01
Debt / EBITDA Ratio	2.24	2.24	2.04	1.18	0.53	0.08
Debt / FCF Ratio	4.95	4.95	8.93	1.36	-	0.06
Net Debt / Equity Ratio	-0.05	-0.05	-0.17	-0.23	-0.21	-0.51
Net Debt / EBITDA Ratio	-0.28	-0.28	-0.88	-1.15	-0.50	-3.36
Net Debt / FCF Ratio	-0.60	-0.60	-3.81	-1.33	17.68	-2.25
Quick Ratio	15.06	15.06	49.24	71.61	13.92	3.65
Current Ratio	15.43	15.43	50.60	73.55	16.29	4.43
Asset Turnover	0.03	0.03	0.03	0.04	0.07	0.21
Return on Equity (ROE)	10.29%	10.29%	10.30%	9.75%	31.63%	11.82%
Return on Assets (ROA)	0.91%	0.91%	1.10%	1.25%	2.77%	1.05%
Return on Invested Capital (ROIC)	11.43%	10.79%	11.68%	11.80%	28.85%	12.27%
Earnings Yield	4.55%	4.51%	7.32%	7.87%	-	-
FCF Yield	3.61%	3.58%	3.10%	13.45%	-	-
Dividend Yield	12.48%	12.35%	8.29%	9.85%	-	-
Payout Ratio	212.69%	212.69%	100.42%	93.34%	27.64%	101.89%
Buyback Yield / Dilution	-0.34%	-0.34%	-0.05%	-	-	-
Total Shareholder Return	12.14%	12.01%	8.24%	9.85%	-	-

Source: S&P Global Market Intelligence. Insurance template. Financial Sources.