BVC:CREDIFAMI Ratios and Metrics

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

Millions COP. 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 27, 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	90,153	90,153	90,153	90,153	90,117	90,117	Upgrade
Market Cap Growth	0%	-	-	0.04%	-	-0.04%	Upgrade
PE Ratio	5.58	5.58	8.64	5.29	3.25	5.49	Upgrade
PS Ratio	1.38	1.38	1.52	1.15	0.98	1.71	Upgrade
PB Ratio	0.79	0.79	0.88	0.91	0.95	1.21	Upgrade
P/FCF Ratio	3.34	3.34	2.04	-	1.04	9.60	Upgrade
P/OCF Ratio	3.32	3.32	2.03	-	1.04	8.76	Upgrade
Debt / Equity Ratio	4.02	4.02	4.30	4.47	4.05	5.15	Upgrade
Debt / FCF Ratio	16.95	16.95	9.94	-	4.44	40.95	Upgrade
Net Debt / Equity Ratio	3.65	3.65	3.86	3.85	3.39	4.65	Upgrade
Net Debt / FCF Ratio	15.39	15.39	8.91	-7.45	3.72	37.02	Upgrade
Quick Ratio	2.94	2.94	3.24	3.24	3.56	4.83	Upgrade
Current Ratio	2.99	2.99	3.29	3.29	3.60	4.84	Upgrade
Asset Turnover	0.08	0.08	0.08	0.11	0.15	0.10	Upgrade
Return on Equity (ROE)	14.95%	14.95%	10.33%	17.52%	32.66%	23.88%	Upgrade
Return on Assets (ROA)	2.03%	2.03%	1.34%	2.37%	4.48%	3.06%	Upgrade
Return on Invested Capital (ROIC)	2.96%	2.90%	1.92%	3.33%	5.91%	3.62%	Upgrade
Earnings Yield	17.93%	17.93%	11.57%	18.91%	30.76%	18.22%	Upgrade
FCF Yield	29.97%	29.97%	49.10%	-57.06%	96.11%	10.42%	Upgrade
Dividend Yield	5.21%	-	5.97%	9.77%	18.44%	11.89%	Upgrade
Payout Ratio	29.04%	29.04%	85.79%	69.91%	26.65%	27.43%	Upgrade
Total Shareholder Return	5.21%	-	5.97%	9.77%	18.44%	11.89%	Upgrade

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