LON:0HBY Ratios and Metrics

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

Millions GBP. Fiscal year is Jan - Dec.

Fiscal Year	Current	FY 2025	FY 2024	FY 2023	FY 2022	FY 2021
Period Ending	Feb '26 Feb 19, 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	31,448	31,060	22,267	22,588	20,327	22,276
Market Cap Growth	36.63%	39.49%	-1.42%	11.13%	-8.75%	36.75%
Last Close Price	16.03	15.77	10.17	9.34	7.85	7.88
PE Ratio	12.56	12.40	8.60	7.59	9.50	10.73
PS Ratio	5.17	5.11	3.81	3.65	4.09	4.95
PB Ratio	1.69	1.67	1.34	1.31	1.25	1.41
P/FCF Ratio	-	9.27	-	5.55	-	-
P/OCF Ratio	9.38	9.27	-	5.44	-	-
Debt / Equity Ratio	4.42	4.42	4.85	5.13	5.39	4.66
Debt / FCF Ratio	24.45	24.45	-	21.82	-	-
Net Debt / Equity Ratio	1.75	1.75	1.97	2.88	3.19	2.81
Net Debt / FCF Ratio	9.69	9.69	-4.34	12.23	-3.71	-5.69
Return on Equity (ROE)	13.46%	13.46%	15.84%	17.90%	13.53%	13.92%
Return on Assets (ROA)	0.84%	0.84%	0.97%	1.07%	0.79%	0.80%
Earnings Yield	7.96%	8.06%	11.63%	13.17%	10.53%	9.32%
FCF Yield	-	10.79%	-33.93%	18.02%	-68.59%	-34.91%
Dividend Yield	0.47%	4.35%	6.03%	7.10%	6.84%	10.47%
Payout Ratio	74.17%	74.17%	66.11%	37.24%	47.94%	69.78%
Buyback Yield / Dilution	2.71%	2.71%	1.90%	2.00%	1.19%	-0.09%
Total Shareholder Return	3.18%	7.05%	7.93%	9.10%	8.04%	10.38%

Updated Dec 31, 2025. Source: S&P Global Market Intelligence. Banks template. Financial Sources.