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 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	476	1,214	958	1,113	1,422	2,070	Upgrade
Market Cap Growth	-77.82%	26.76%	-13.98%	-21.70%	-31.29%	22.03%	Upgrade
PE Ratio	-	-	1.88	2.23	2.36	1.43	Upgrade
PS Ratio	0.22	0.57	0.33	0.36	0.52	0.57	Upgrade
PB Ratio	0.11	0.28	0.20	0.24	0.33	0.50	Upgrade
P/FCF Ratio	0.17	-	0.63	-	0.42	-	Upgrade
P/OCF Ratio	0.17	-	0.62	-	0.41	-	Upgrade
Debt / Equity Ratio	0.77	0.77	1.16	1.36	1.19	2.07	Upgrade
Debt / FCF Ratio	-	-	3.77	-	1.51	-	Upgrade
Net Debt / Equity Ratio	0.40	0.40	0.79	1.11	0.71	1.47	Upgrade
Net Debt / FCF Ratio	-	-	2.54	-3.37	0.90	-4.84	Upgrade
Quick Ratio	1.95	1.95	1.98	1.97	2.15	2.49	Upgrade
Current Ratio	2.54	2.54	2.50	2.62	2.69	2.74	Upgrade
Asset Turnover	0.18	0.18	0.23	0.26	0.23	0.30	Upgrade
Return on Equity (ROE)	-13.08%	-13.08%	10.90%	11.36%	14.75%	41.52%	Upgrade
Return on Assets (ROA)	-5.32%	-5.32%	4.04%	4.12%	4.98%	12.03%	Upgrade
Return on Invested Capital (ROIC)	-5.05%	-4.17%	6.38%	7.00%	6.75%	13.32%	Upgrade
Earnings Yield	-130.92%	-51.32%	53.13%	44.91%	42.33%	69.95%	Upgrade
FCF Yield	595.65%	-	158.19%	-135.12%	239.60%	-61.26%	Upgrade
Dividend Yield	20.16%	2.00%	10.92%	12.26%	8.43%	7.86%	Upgrade
Payout Ratio	-	-	9.48%	24.43%	19.76%	3.42%	Upgrade
Buyback Yield / Dilution	0.11%	0.11%	0.02%	0.04%	0.40%	-0.04%	Upgrade
Total Shareholder Return	20.27%	2.11%	10.94%	12.30%	8.83%	7.82%	Upgrade

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