VIE:HBAN Ratios and Metrics

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

Millions EUR. 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	10,925	8,415	6,588	5,766	5,468	4,553	Upgrade
Market Cap Growth	20.78%	27.73%	14.25%	5.46%	20.09%	-26.84%	Upgrade
Enterprise Value	13,090	10,635	8,686	7,838	7,034	5,292	Upgrade
PE Ratio	18.92	16.61	22.16	13.41	11.70	20.22	Upgrade
PS Ratio	1.06	0.83	0.67	0.69	0.45	0.48	Upgrade
PB Ratio	2.39	1.78	1.49	1.34	0.79	0.69	Upgrade
P/FCF Ratio	17.87	-	6.50	-	9.31	12.86	Upgrade
P/OCF Ratio	16.47	184.03	6.04	-	8.35	11.49	Upgrade
EV/Sales Ratio	1.22	1.04	0.88	0.94	0.58	0.56	Upgrade
EV/EBITDA Ratio	10.87	9.81	14.56	13.76	7.47	10.82	Upgrade
EV/EBIT Ratio	12.51	11.24	18.81	17.87	8.97	13.23	Upgrade
EV/FCF Ratio	21.41	-	8.57	-	11.97	14.95	Upgrade
Debt / Equity Ratio	0.57	0.55	0.58	0.58	0.30	0.33	Upgrade
Debt / EBITDA Ratio	2.24	2.35	4.12	4.21	2.16	4.31	Upgrade
Debt / FCF Ratio	4.26	-	2.52	-	3.55	6.18	Upgrade
Net Debt / Equity Ratio	0.27	0.23	0.12	0.24	0.04	0.07	Upgrade
Net Debt / EBITDA Ratio	1.10	1.00	0.88	1.78	0.31	0.98	Upgrade
Net Debt / FCF Ratio	2.05	-22.80	0.52	-10.67	0.50	1.35	Upgrade
Quick Ratio	7.29	6.22	6.41	7.01	0.35	0.46	Upgrade
Current Ratio	8.27	6.86	7.27	7.80	0.63	0.67	Upgrade
Asset Turnover	0.16	0.16	0.16	0.13	0.18	0.16	Upgrade
Return on Equity (ROE)	13.40%	11.74%	7.20%	8.39%	7.24%	4.11%	Upgrade
Return on Assets (ROA)	0.98%	0.92%	0.46%	0.43%	0.73%	0.41%	Upgrade
Return on Invested Capital (ROIC)	11.19%	10.55%	5.32%	4.61%	6.62%	4.32%	Upgrade
Earnings Yield	5.29%	6.10%	4.62%	7.70%	8.77%	5.37%	Upgrade
FCF Yield	5.60%	-0.57%	15.39%	-1.64%	10.75%	7.78%	Upgrade
Payout Ratio	-	73.16%	119.14%	73.54%	58.81%	103.97%	Upgrade
Buyback Yield / Dilution	0.72%	-0.11%	0.13%	-0.10%	-3.26%	-3.47%	Upgrade

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