VCREDIT Holdings Ratios and Metrics

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

Millions HKD. Fiscal year is Jan - Dec.

Fiscal Year	Current	FY 2024	FY 2023	FY 2022	FY 2021	FY 2020	2019 - 2015
Period Ending	Mar '26 Mar 9, 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	2019 - 2015
Market Capitalization	840	958	1,113	1,422	2,070	1,696	Upgrade
Market Cap Growth	-32.58%	-13.98%	-21.70%	-31.29%	22.03%	-49.37%	Upgrade
PE Ratio	1.35	1.88	2.23	2.36	1.43	-	Upgrade
PS Ratio	0.22	0.33	0.36	0.52	0.57	-14.86	Upgrade
PB Ratio	0.16	0.20	0.24	0.33	0.50	0.63	Upgrade
P/FCF Ratio	-	0.63	-	0.42	-	0.27	Upgrade
P/OCF Ratio	-	0.62	-	0.41	-	0.27	Upgrade
Debt / Equity Ratio	1.58	1.16	1.36	1.19	2.07	2.15	Upgrade
Debt / FCF Ratio	-	3.77	-	1.51	-	0.93	Upgrade
Net Debt / Equity Ratio	1.22	0.79	1.11	0.71	1.47	1.48	Upgrade
Net Debt / FCF Ratio	-5.50	2.54	-3.37	0.90	-4.84	0.65	Upgrade
Quick Ratio	2.98	1.98	1.97	2.15	2.49	2.74	Upgrade
Current Ratio	3.71	2.50	2.62	2.69	2.74	3.42	Upgrade
Asset Turnover	0.26	0.23	0.26	0.23	0.30	-	Upgrade
Return on Equity (ROE)	12.76%	10.90%	11.36%	14.75%	41.52%	-32.29%	Upgrade
Return on Assets (ROA)	4.37%	4.04%	4.12%	4.98%	12.03%	-7.69%	Upgrade
Return on Invested Capital (ROIC)	6.36%	6.38%	7.00%	6.75%	13.32%	-9.03%	Upgrade
Earnings Yield	74.85%	53.13%	44.91%	42.33%	69.95%	-60.89%	Upgrade
FCF Yield	-136.94%	158.19%	-135.12%	239.60%	-61.26%	367.78%	Upgrade
Dividend Yield	11.63%	10.92%	12.26%	8.43%	7.86%	-	Upgrade
Payout Ratio	7.90%	9.48%	24.43%	19.76%	3.42%	-	Upgrade
Buyback Yield / Dilution	-0.01%	0.02%	0.04%	0.40%	-0.04%	2.15%	Upgrade
Total Shareholder Return	11.62%	10.94%	12.30%	8.83%	7.82%	2.15%	Upgrade

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