Banca IFIS Ratios and Metrics

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

Millions EUR. Fiscal year is Jan - Dec.

Fiscal Year	Current	FY 2025	FY 2024	FY 2023	FY 2022	FY 2021	2020 - 2016
Period Ending	Apr '26 Apr 28, 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	2020 - 2016
Market Capitalization	1,418	1,550	1,113	824	698	913	Upgrade
Market Cap Growth	39.56%	39.23%	35.17%	18.04%	-23.54%	86.09%	Upgrade
Last Close Price	23.22	25.38	19.37	13.00	9.97	11.24	Upgrade
PE Ratio	4.06	4.73	6.89	5.15	4.95	9.07	Upgrade
PS Ratio	2.08	2.28	1.68	1.27	1.16	1.74	Upgrade
PB Ratio	0.66	0.72	0.64	0.49	0.44	0.56	Upgrade
P/FCF Ratio	34.35	37.55	-	1.96	1.78	14.75	Upgrade
P/OCF Ratio	16.03	17.53	-	1.85	1.75	12.43	Upgrade
Debt / Equity Ratio	3.65	3.65	3.20	3.71	3.74	3.13	Upgrade
Debt / FCF Ratio	189.32	189.32	-	14.92	15.22	82.04	Upgrade
Net Debt / Equity Ratio	3.16	3.16	2.90	3.19	3.33	2.87	Upgrade
Net Debt / FCF Ratio	164.01	164.01	-22.65	12.83	13.56	75.35	Upgrade
Return on Equity (ROE)	16.92%	16.92%	9.48%	9.84%	8.81%	6.45%	Upgrade
Return on Assets (ROA)	1.85%	1.85%	1.17%	1.19%	1.08%	0.82%	Upgrade
Earnings Yield	23.13%	21.16%	14.51%	19.44%	20.22%	11.02%	Upgrade
FCF Yield	2.91%	2.66%	-20.09%	51.12%	56.23%	6.78%	Upgrade
Dividend Yield	9.19%	8.35%	10.95%	16.16%	14.04%	8.46%	Upgrade
Payout Ratio	37.56%	37.56%	68.29%	53.19%	72.63%	82.57%	Upgrade
Buyback Yield / Dilution	-7.48%	-7.48%	-1.55%	0.26%	1.43%	-0.02%	Upgrade
Total Shareholder Return	1.71%	0.87%	9.40%	16.42%	15.47%	8.44%	Upgrade

Source: S&P Capital IQ. Banks template. Financial Sources.