VIE:HBAN Ratios and Metrics

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

Millions EUR. Fiscal year is Jan - Dec.

Fiscal Year	Current	FY 2024	FY 2023	FY 2022	FY 2021	FY 2020
Period Ending	Mar '26 Mar 3, 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	11,123	8,415	6,588	5,766	5,468	4,553
Market Cap Growth	23.39%	27.73%	14.25%	5.46%	20.09%	-26.84%
Enterprise Value	13,281	10,635	8,686	7,838	7,034	5,292
PE Ratio	19.26	16.61	22.16	13.41	11.70	20.22
PS Ratio	1.07	0.83	0.67	0.69	0.45	0.48
PB Ratio	2.43	1.78	1.49	1.34	0.79	0.69
P/FCF Ratio	18.19	-	6.50	-	9.31	12.86
P/OCF Ratio	16.76	184.03	6.04	-	8.35	11.49
EV/Sales Ratio	1.24	1.04	0.88	0.94	0.58	0.56
EV/EBITDA Ratio	11.06	9.81	14.56	13.76	7.47	10.82
EV/EBIT Ratio	12.73	11.24	18.81	17.87	8.97	13.23
EV/FCF Ratio	21.72	-	8.57	-	11.97	14.95
Debt / Equity Ratio	0.57	0.55	0.58	0.58	0.30	0.33
Debt / EBITDA Ratio	2.24	2.35	4.12	4.21	2.16	4.31
Debt / FCF Ratio	4.26	-	2.52	-	3.55	6.18
Net Debt / Equity Ratio	0.27	0.23	0.12	0.24	0.04	0.07
Net Debt / EBITDA Ratio	1.10	1.00	0.88	1.78	0.31	0.98
Net Debt / FCF Ratio	2.05	-22.80	0.52	-10.67	0.50	1.35
Quick Ratio	7.29	6.22	6.41	7.01	0.35	0.46
Current Ratio	8.27	6.86	7.27	7.80	0.63	0.67
Asset Turnover	0.16	0.16	0.16	0.13	0.18	0.16
Return on Equity (ROE)	13.40%	11.74%	7.20%	8.39%	7.24%	4.11%
Return on Assets (ROA)	0.98%	0.92%	0.46%	0.43%	0.73%	0.41%
Return on Invested Capital (ROIC)	11.19%	10.55%	5.32%	4.61%	6.62%	4.32%
Earnings Yield	5.19%	6.10%	4.62%	7.70%	8.77%	5.37%
FCF Yield	5.50%	-0.57%	15.39%	-1.64%	10.75%	7.78%
Payout Ratio	68.31%	73.16%	119.14%	73.54%	58.81%	103.97%
Buyback Yield / Dilution	0.72%	-0.11%	0.13%	-0.10%	-3.26%	-3.47%

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