Fintech Ratios and Metrics

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

Millions PLN. Fiscal year is Jan - Dec.

Fiscal Year	Current	FY 2024	FY 2023	FY 2022	FY 2021	FY 2020	2015 - 2019
Period Ending	Sep '25 Sep 25, 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	2015 - 2019
Market Capitalization	19	6	91	66	110	98	Upgrade
Market Cap Growth	-78.05%	-93.00%	38.89%	-40.00%	11.94%	644.44%	Upgrade
Enterprise Value	22	10	91	65	106	93	Upgrade
Last Close Price	0.26	0.09	1.25	0.90	1.50	1.34	Upgrade
PE Ratio	-	105.04	24.24	109.86	-	-	Upgrade
PS Ratio	3.01	0.46	2.11	5.67	79.55	61.37	Upgrade
PB Ratio	2.13	0.64	8.71	9.78	18.25	15.24	Upgrade
P/TBV Ratio	2.72	0.98	14.09	9.78	18.98	15.98	Upgrade
P/FCF Ratio	6.76	-	-	-	860.62	-	Upgrade
P/OCF Ratio	15.29	1.21	43.59	-	403.54	877.23	Upgrade
EV/Sales Ratio	3.49	0.70	2.10	5.58	76.98	58.61	Upgrade
EV/EBITDA Ratio	-	5.11	16.94	96.07	-	-	Upgrade
EV/EBIT Ratio	-	18.46	18.76	104.24	-	-	Upgrade
EV/FCF Ratio	7.84	-	-	-	832.81	-	Upgrade
Debt / Equity Ratio	0.17	0.37	0.14	-	0.01	0.01	Upgrade
Debt / EBITDA Ratio	-	1.94	0.28	-	-	-	Upgrade
Debt / FCF Ratio	0.53	-	-	-	0.30	-	Upgrade
Asset Turnover	0.24	0.57	2.59	1.50	0.22	0.24	Upgrade
Inventory Turnover	0.26	0.37	5.24	6.99	0.32	-	Upgrade
Quick Ratio	0.29	0.28	0.95	2.93	35.81	20.84	Upgrade
Current Ratio	1.28	0.91	1.59	3.55	47.16	25.25	Upgrade
Return on Equity (ROE)	-10.98%	0.59%	43.76%	9.40%	-6.77%	-3.79%	Upgrade
Return on Assets (ROA)	-1.64%	1.33%	18.09%	5.02%	-4.32%	-2.37%	Upgrade
Return on Invested Capital (ROIC)	-6.11%	1.55%	41.01%	14.85%	-16.23%	-8.74%	Upgrade
Return on Capital Employed (ROCE)	-7.40%	4.60%	39.70%	9.20%	-7.40%	-4.00%	Upgrade
Earnings Yield	-5.71%	0.95%	4.13%	0.91%	-0.38%	-0.26%	Upgrade
FCF Yield	14.80%	-27.58%	-2.09%	-4.27%	0.12%	-0.28%	Upgrade
Buyback Yield / Dilution	-	-	1.12%	-0.05%	-1.08%	-	Upgrade

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