REFI Ratios and Metrics

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

Millions USD. Fiscal year is Jan - Dec.

Fiscal Year	Current	FY 2025	FY 2024	FY 2023	FY 2022	FY 2021
Period Ending	Apr '26 Apr 8, 2026	Dec '25 Dec 31, 2025	Dec '24 Dec 31, 2024	Dec '23 Dec 31, 2023	Dec '22 Dec 31, 2022	Dec '21 Dec 31, 2021
Market Cap	239	258	321	294	267	291
Market Cap Growth	-25.59%	-19.54%	9.09%	10.47%	-8.28%	-
Enterprise Value	322.75	307.78	370.28	294.43	266.53	290.6
Last Close Price	11.35	12.26	15.42	16.18	15.07	16.65
PE Ratio	6.68	7.30	8.20	7.67	8.28	-
Forward PE	6.52	7.06	7.99	7.70	7.71	-
PS Ratio	4.38	4.71	5.80	5.22	5.93	-
PB Ratio	0.77	0.84	1.04	1.08	1.01	1.10
P/TBV Ratio	0.79	0.85	0.98	1.09	1.01	1.10
P/FCF Ratio	-	8.98	13.87	10.36	15.67	-
P/OCF Ratio	8.31	8.98	13.87	10.36	15.67	-
EV/Sales Ratio	5.90	5.61	6.69	5.22	5.93	-
EV/FCF Ratio	-	10.69	15.99	10.36	15.67	-
Debt / Equity Ratio	0.16	0.16	0.16	0	0	0
Debt / FCF Ratio	1.71	1.71	2.12	-	-	-
Net Debt / Equity Ratio	0.16	0.16	0.16	-	-	-
Net Debt / FCF Ratio	1.71	1.71	2.12	-	-	-
Asset Turnover	0.13	0.13	0.14	0.16	0.14	0
Return on Equity (ROE)	11.68%	11.68%	12.76%	14.45%	12.23%	0.00%
Earnings Yield	15.05%	13.70%	12.19%	13.04%	12.08%	0.00%
FCF Yield	-	11.14%	7.21%	9.65%	6.38%	0.00%
Dividend Yield	16.76%	17.03%	14.00%	13.37%	10.59%	0.00%
Payout Ratio	111.90%	121.75%	112.38%	101.10%	87.25%	-
Buyback Yield / Dilution	-8.71%	-8.71%	-7.47%	-3.37%	-1.68%	-
Total Shareholder Return	8.04%	8.31%	6.53%	10.01%	8.91%	0.00%

Updated Mar 12, 2026. Data Source: Fiscal.ai. Banks template. Financial Sources.

SEC Filings: 10-K · 10-Q