EFIN Ratios and Metrics

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

Millions USD. Fiscal year is Jan - Dec.

Fiscal Year	Current	FY 2024	FY 2023	FY 2022	FY 2021	FY 2020
Period Ending	Dec '25 Dec 29, 2025	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	87	46	31	32	45	34
Market Cap Growth	190.07%	46.81%	-2.87%	-27.77%	32.72%	-7.75%
Last Close Price	66.60	34.08	22.32	21.56	28.26	20.99
PE Ratio	12.04	6.53	5.06	8.86	9.10	8.01
PS Ratio	3.74	2.12	1.61	2.05	2.75	2.32
PB Ratio	1.54	0.95	0.77	0.99	1.00	0.78
P/FCF Ratio	-	6.38	4.08	5.54	8.46	10.21
P/OCF Ratio	-	5.68	3.74	5.34	7.38	6.13
Return on Equity (ROE)	13.66%	15.81%	16.93%	9.42%	11.21%	10.28%
Return on Assets (ROA)	1.29%	1.33%	1.12%	0.66%	0.98%	1.00%
Earnings Yield	8.28%	15.32%	19.77%	11.29%	11.00%	12.49%
FCF Yield	-	15.67%	24.49%	18.04%	11.82%	9.80%
Dividend Yield	3.15%	4.69%	6.72%	6.03%	3.89%	4.76%
Payout Ratio	-	37.84%	30.32%	62.25%	27.90%	29.14%
Buyback Yield / Dilution	-2.59%	-1.73%	1.10%	-1.35%	-1.05%	-1.80%
Total Shareholder Return	0.57%	2.97%	7.82%	4.68%	2.84%	2.96%

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