XTB S.A. 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
Period Ending	Feb '26 Feb 17, 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	10,758	8,277	4,446	3,641	1,970	2,101
Market Cap Growth	23.82%	86.15%	22.11%	84.86%	-6.26%	353.17%
Last Close Price	91.50	65.52	32.70	23.67	11.88	11.42
PE Ratio	16.47	9.66	5.62	4.75	8.28	5.23
PS Ratio	5.40	4.46	2.77	2.51	3.15	2.63
PB Ratio	5.91	4.13	2.56	2.42	2.15	2.37
P/FCF Ratio	16.97	10.23	9.57	3.20	10.30	4.52
P/OCF Ratio	16.37	9.99	9.28	3.17	9.90	4.48
Debt / Equity Ratio	0.16	0.12	0.08	0.09	0.15	0.12
Debt / FCF Ratio	0.45	0.30	0.30	0.12	0.71	0.23
Net Debt / Equity Ratio	-4.31	-3.12	-2.56	-2.57	-3.22	-2.40
Net Debt / FCF Ratio	-12.36	-7.73	-9.55	-3.40	-15.40	-4.59
Asset Turnover	0.28	0.33	0.37	0.40	0.23	0.47
Quick Ratio	1.28	1.44	1.61	1.60	1.42	1.66
Current Ratio	1.29	1.44	1.61	1.61	1.43	1.66
Return on Equity (ROE)	36.02%	45.84%	48.83%	63.27%	26.37%	58.31%
Return on Assets (ROA)	9.29%	15.12%	17.97%	21.10%	8.76%	23.50%
Return on Invested Capital (ROIC)	32.55%	39.14%	43.28%	53.87%	22.18%	55.24%
Earnings Yield	6.07%	10.35%	17.79%	21.04%	12.07%	19.14%
FCF Yield	5.89%	9.77%	10.45%	31.21%	9.71%	22.12%
Dividend Yield	5.96%	8.32%	15.35%	20.54%	12.62%	15.67%
Payout Ratio	98.08%	68.87%	72.11%	22.98%	88.35%	7.01%
Buyback Yield / Dilution	0.12%	-	-0.16%	-	-	-
Total Shareholder Return	6.16%	8.32%	15.19%	20.54%	12.62%	15.67%

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