Cembra Money Bank AG 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 12, 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	2,739	2,119	1,794	2,025	1,581	2,606
Market Cap Growth	18.88%	18.12%	-11.42%	28.07%	-39.33%	7.36%
Last Close Price	93.93	69.18	54.93	59.71	43.91	69.69
PE Ratio	16.65	14.11	12.18	13.33	12.09	20.59
PS Ratio	6.22	5.05	4.19	4.82	4.37	7.14
PB Ratio	2.39	1.87	1.54	1.77	1.63	2.79
P/OCF Ratio	18.66	9.22	10.21	9.27	11.18	13.50
Debt / Equity Ratio	2.21	2.27	2.49	2.07	2.10	2.30
Return on Equity (ROE)	14.60%	13.44%	12.52%	13.68%	13.88%	13.79%
Return on Assets (ROA)	2.21%	2.13%	2.01%	2.30%	2.25%	2.08%
Earnings Yield	6.01%	7.09%	8.21%	7.50%	8.27%	4.86%
FCF Yield	-45.93%	-52.92%	-73.65%	-57.76%	-59.39%	-33.15%
Dividend Yield	3.85%	5.42%	6.79%	5.94%	7.10%	4.45%
Payout Ratio	69.55%	68.89%	73.36%	66.73%	68.23%	72.08%
Buyback Yield / Dilution	-0.05%	-0.01%	0.01%	0.07%	0.01%	-2.06%
Total Shareholder Return	3.80%	5.40%	6.80%	6.01%	7.11%	2.39%

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