Credito Emiliano Ratios and Metrics

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

Millions GBP. Fiscal year is Jan - Dec.

Fiscal Year	Current	FY 2024	FY 2023	FY 2022	FY 2021	FY 2020
Period Ending	Feb '26 Feb 10, 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	4,589	3,035	2,373	1,998	1,664	1,307
Market Cap Growth	41.15%	27.91%	18.77%	20.06%	27.34%	-10.39%
Last Close Price	13.47	8.43	6.16	4.97	3.90	3.06
PE Ratio	8.46	5.92	4.86	6.91	5.62	7.24
PS Ratio	2.92	1.89	1.50	1.63	1.54	1.37
PB Ratio	1.13	0.86	0.71	0.67	0.57	0.47
P/FCF Ratio	-	-	0.87	0.68	34.15	30.96
P/OCF Ratio	-	-	0.86	0.68	14.59	16.93
Debt / Equity Ratio	1.85	3.07	4.18	4.55	5.53	4.30
Debt / FCF Ratio	-	-	5.15	4.64	329.87	286.25
Net Debt / Equity Ratio	1.42	1.96	2.37	3.26	5.36	4.09
Net Debt / FCF Ratio	-	-4.55	2.92	3.33	319.78	272.20
Return on Equity (ROE)	14.69%	15.19%	15.55%	9.56%	10.69%	6.70%
Return on Assets (ROA)	0.98%	0.91%	0.85%	0.49%	0.57%	0.39%
Earnings Yield	11.82%	16.89%	20.56%	14.48%	17.79%	13.82%
FCF Yield	-48.60%	-50.30%	114.77%	146.12%	2.93%	3.23%
Dividend Yield	3.98%	7.36%	6.34%	5.89%	6.45%	5.86%
Payout Ratio	41.17%	35.70%	19.97%	31.37%	18.81%	-
Buyback Yield / Dilution	-	-0.16%	0.13%	-1.55%	-1.10%	-0.15%
Total Shareholder Return	3.98%	7.20%	6.47%	4.34%	5.36%	5.71%

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