Goldcard Smart Group Ratios and Metrics

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

Millions CNY. Fiscal year is Jan - Dec.

Fiscal Year	Current	FY 2024	FY 2023	FY 2022	FY 2021	FY 2020
Period Ending	Apr '26 Apr 15, 2026	Dec '24 Dec 31, 2024	Dec '23 Dec 31, 2023	Jan '23 Jan 1, 2023	Jan '22 Jan 1, 2022	Dec '20 Dec 31, 2020
Market Capitalization	5,931	5,681	5,053	3,917	5,082	5,428
Market Cap Growth	-1.11%	12.43%	28.99%	-22.91%	-6.37%	-17.06%
Enterprise Value	5,383	5,135	4,551	3,586	4,717	4,691
Last Close Price	14.27	13.11	11.48	8.60	10.94	11.07
PE Ratio	21.95	15.78	12.37	14.48	19.04	48.75
Forward PE	19.09	11.78	11.89	12.01	13.93	12.46
PS Ratio	1.86	1.85	1.59	1.43	2.21	2.81
PB Ratio	1.34	1.28	1.17	1.00	1.38	1.51
P/TBV Ratio	1.78	1.71	1.61	1.42	2.02	2.26
P/FCF Ratio	53.79	29.79	35.58	22.40	-	17.28
P/OCF Ratio	23.00	15.58	11.80	11.80	39.90	10.97
EV/Sales Ratio	1.69	1.68	1.43	1.31	2.05	2.42
EV/EBITDA Ratio	18.58	13.11	10.56	9.86	17.31	13.82
EV/EBIT Ratio	28.14	17.05	13.04	12.07	22.31	16.52
EV/FCF Ratio	48.83	26.93	32.04	20.50	-	14.93
Debt / Equity Ratio	0.10	0.11	0.18	0.07	0.05	0.02
Debt / EBITDA Ratio	1.48	1.27	1.83	0.75	0.65	0.25
Debt / FCF Ratio	3.88	2.62	5.60	1.58	-	0.27
Net Debt / Equity Ratio	-0.12	-0.26	-0.35	-0.27	-0.19	-0.29
Net Debt / EBITDA Ratio	-1.90	-2.95	-3.48	-2.90	-2.51	-3.12
Net Debt / FCF Ratio	-4.97	-6.05	-10.55	-6.02	5.66	-3.37
Asset Turnover	0.45	0.42	0.48	0.48	0.43	0.38
Inventory Turnover	3.50	3.43	3.69	3.33	2.95	3.27
Quick Ratio	1.56	1.59	1.72	1.60	1.38	1.57
Current Ratio	1.98	1.86	1.96	1.91	1.77	1.98
Return on Equity (ROE)	6.11%	8.38%	10.17%	7.22%	7.29%	2.93%
Return on Assets (ROA)	1.70%	2.60%	3.29%	3.22%	2.46%	3.49%
Return on Invested Capital (ROIC)	4.46%	8.69%	10.67%	9.22%	6.93%	8.31%
Return on Capital Employed (ROCE)	3.90%	6.10%	7.20%	6.90%	5.30%	7.50%
Earnings Yield	4.54%	6.34%	8.09%	6.90%	5.25%	2.05%
FCF Yield	1.86%	3.36%	2.81%	4.46%	-2.37%	5.79%
Dividend Yield	3.53%	3.81%	4.36%	1.16%	0.91%	4.29%
Payout Ratio	82.23%	61.44%	14.24%	19.93%	77.06%	202.78%
Buyback Yield / Dilution	-1.38%	-1.29%	3.30%	0.22%	1.10%	0.15%
Total Shareholder Return	2.14%	2.53%	7.66%	1.39%	2.01%	4.44%

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