Kvika banki Ratios and Metrics

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

Millions ISK. Fiscal year is Jan - Dec.

Fiscal Year	Current	FY 2024	FY 2023	FY 2022	FY 2021	FY 2020
Period Ending	Feb '26 Feb 5, 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	82,522	95,498	81,928	90,646	128,376	37,039
Market Cap Growth	-14.01%	16.56%	-9.62%	-29.39%	246.59%	79.96%
Last Close Price	18.75	15.73	13.32	14.27	20.13	12.99
PE Ratio	18.50	11.73	20.39	18.56	11.96	15.77
PS Ratio	4.43	5.77	5.94	6.53	5.79	4.43
PB Ratio	1.22	1.07	1.00	1.12	1.64	1.93
P/FCF Ratio	-	-	-	-	15.77	-
P/OCF Ratio	-	-	-	-	15.46	-
Debt / Equity Ratio	1.41	0.68	0.86	0.91	0.73	1.99
Debt / FCF Ratio	-	-	-	-	7.04	-
Return on Equity (ROE)	6.03%	5.47%	2.83%	5.46%	21.86%	13.09%
Return on Assets (ROA)	1.29%	1.36%	0.73%	1.59%	5.77%	1.99%
Earnings Yield	10.23%	8.53%	4.91%	5.39%	8.36%	6.34%
FCF Yield	-24.94%	-2.58%	-43.75%	-37.70%	6.34%	-33.52%
Dividend Yield	26.46%	31.78%	-	2.80%	-	-
Payout Ratio	273.97%	-	47.59%	-	-	-
Buyback Yield / Dilution	3.35%	1.26%	0.60%	-14.10%	-82.18%	-9.60%
Total Shareholder Return	29.81%	33.04%	0.60%	-11.29%	-82.18%	-9.60%

Updated Sep 30, 2025. Source: S&P Global Market Intelligence. Banks template. Financial Sources.