VCREDIT Holdings Ratios and Metrics

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

Millions HKD. Fiscal year is Jan - Dec.

Fiscal Year	Current	FY 2024	FY 2023	FY 2022	FY 2021	FY 2020
Period Ending	Mar '26 Mar 26, 2026	Dec '24 Dec 31, 2024	Dec '23 Dec 31, 2023	Dec '22 Dec 31, 2022	Dec '21 Dec 31, 2021	Dec '20 Dec 31, 2020
Market Capitalization	767	958	1,113	1,422	2,070	1,696
Market Cap Growth	-50.93%	-13.98%	-21.70%	-31.29%	22.03%	-49.37%
PE Ratio	1.23	1.88	2.23	2.36	1.43	-
PS Ratio	0.20	0.33	0.36	0.52	0.57	-14.86
PB Ratio	0.15	0.20	0.24	0.33	0.50	0.63
P/FCF Ratio	-	0.63	-	0.42	-	0.27
P/OCF Ratio	-	0.62	-	0.41	-	0.27
Debt / Equity Ratio	1.58	1.16	1.36	1.19	2.07	2.15
Debt / FCF Ratio	-	3.77	-	1.51	-	0.93
Net Debt / Equity Ratio	1.22	0.79	1.11	0.71	1.47	1.48
Net Debt / FCF Ratio	-5.50	2.54	-3.37	0.90	-4.84	0.65
Quick Ratio	2.98	1.98	1.97	2.15	2.49	2.74
Current Ratio	3.71	2.50	2.62	2.69	2.74	3.42
Asset Turnover	0.26	0.23	0.26	0.23	0.30	-
Return on Equity (ROE)	12.76%	10.90%	11.36%	14.75%	41.52%	-32.29%
Return on Assets (ROA)	4.37%	4.04%	4.12%	4.98%	12.03%	-7.69%
Return on Invested Capital (ROIC)	6.36%	6.38%	7.00%	6.75%	13.32%	-9.03%
Earnings Yield	81.96%	53.13%	44.91%	42.33%	69.95%	-60.89%
FCF Yield	-149.94%	158.19%	-135.12%	239.60%	-61.26%	367.78%
Dividend Yield	12.66%	10.92%	12.26%	8.43%	7.86%	-
Payout Ratio	7.90%	9.48%	24.43%	19.76%	3.42%	-
Buyback Yield / Dilution	-0.01%	0.02%	0.04%	0.40%	-0.04%	2.15%
Total Shareholder Return	12.65%	10.94%	12.30%	8.83%	7.82%	2.15%

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