Automatic Bank Services Ratios and Metrics

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

Millions ILS. Fiscal year is Jan - Dec.

Fiscal Year	Current	FY 2024	FY 2023	FY 2022	FY 2021	FY 2020
Period Ending	Feb '26 Feb 19, 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	1,001	988	632	574	1,148	491
Market Cap Growth	-2.00%	56.36%	9.96%	-49.95%	133.82%	44.34%
Enterprise Value	859	829	487	431	998	357
Last Close Price	25.02	23.07	14.08	12.26	23.96	9.93
PE Ratio	20.68	19.40	16.53	23.85	25.76	18.10
PS Ratio	6.46	6.52	4.68	4.90	10.39	5.76
PB Ratio	4.24	3.81	2.73	2.70	5.55	2.63
P/TBV Ratio	5.23	4.30	2.90	2.75	5.60	2.67
P/FCF Ratio	28.32	24.12	40.91	17.70	27.75	15.89
P/OCF Ratio	15.55	16.47	19.92	12.19	26.64	13.73
EV/Sales Ratio	5.55	5.47	3.61	3.67	9.04	4.19
EV/EBITDA Ratio	14.10	13.59	10.00	8.15	17.49	9.06
EV/EBIT Ratio	17.34	14.86	11.07	9.36	19.76	10.65
EV/FCF Ratio	24.32	20.25	31.55	13.27	24.13	11.57
Debt / Equity Ratio	0.09	0.08	0.09	0.10	0.06	0.05
Debt / EBITDA Ratio	0.33	0.31	0.40	0.40	0.21	0.24
Debt / FCF Ratio	0.57	0.48	1.32	0.66	0.29	0.30
Net Debt / Equity Ratio	-0.60	-0.66	-0.65	-0.73	-0.81	-0.81
Net Debt / EBITDA Ratio	-2.42	-2.82	-3.11	-2.92	-2.95	-3.84
Net Debt / FCF Ratio	-4.00	-4.20	-9.80	-4.75	-4.07	-4.91
Asset Turnover	-	0.52	0.51	0.47	0.48	0.42
Quick Ratio	7.31	8.88	9.25	9.49	9.79	8.90
Current Ratio	7.31	9.19	9.52	9.62	9.88	9.00
Return on Equity (ROE)	-	20.75%	17.22%	11.49%	22.64%	15.67%
Return on Assets (ROA)	-	12.00%	10.39%	11.61%	13.73%	10.25%
Return on Invested Capital (ROIC)	40.44%	52.34%	49.94%	66.67%	106.03%	70.52%
Return on Capital Employed (ROCE)	19.20%	19.80%	17.40%	19.70%	22.90%	16.90%
Earnings Yield	4.83%	5.15%	6.05%	4.19%	3.88%	5.53%
FCF Yield	3.53%	4.15%	2.44%	5.65%	3.60%	6.29%
Dividend Yield	3.00%	3.25%	4.44%	4.49%	3.86%	2.94%
Payout Ratio	124.14%	49.11%	57.57%	91.34%	56.56%	-
Buyback Yield / Dilution	-0.24%	-0.69%	0.83%	-0.00%	-0.65%	0.85%
Total Shareholder Return	2.76%	2.56%	5.27%	4.49%	3.21%	3.80%

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