Kvika banki Ratios and Metrics

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

Millions ISK. Fiscal year is Jan - Dec.

Fiscal Year	Current	FY 2024	FY 2023	FY 2022	FY 2021	FY 2020	2015 - 2019
Period Ending	Dec '25 Dec 5, 2025	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	2015 - 2019
Market Capitalization	79,281	95,498	81,928	90,646	128,376	37,039	Upgrade
Market Cap Growth	-9.95%	16.56%	-9.62%	-29.39%	246.59%	79.96%	Upgrade
Last Close Price	17.95	15.73	13.32	14.27	20.13	12.99	Upgrade
PE Ratio	17.72	11.73	20.39	18.56	11.96	15.77	Upgrade
PS Ratio	4.25	5.77	5.94	6.53	5.79	4.43	Upgrade
PB Ratio	1.17	1.07	1.00	1.12	1.64	1.93	Upgrade
P/FCF Ratio	-	-	-	-	15.77	-	Upgrade
P/OCF Ratio	-	-	-	-	15.46	-	Upgrade
Debt / Equity Ratio	1.41	0.68	0.86	0.91	0.73	1.99	Upgrade
Debt / FCF Ratio	-	-	-	-	7.04	-	Upgrade
Return on Equity (ROE)	6.03%	5.47%	2.83%	5.46%	21.86%	13.09%	Upgrade
Return on Assets (ROA)	1.29%	1.36%	0.73%	1.59%	5.77%	1.99%	Upgrade
Earnings Yield	10.65%	8.53%	4.91%	5.39%	8.36%	6.34%	Upgrade
FCF Yield	-25.96%	-2.58%	-43.75%	-37.70%	6.34%	-33.52%	Upgrade
Dividend Yield	28.25%	31.78%	-	2.80%	-	-	Upgrade
Payout Ratio	273.97%	-	47.59%	-	-	-	Upgrade
Buyback Yield / Dilution	3.35%	1.26%	0.60%	-14.10%	-82.18%	-9.60%	Upgrade
Total Shareholder Return	31.60%	33.04%	0.60%	-11.29%	-82.18%	-9.60%	Upgrade

Updated Sep 30, 2025. Source: S&P Global Market Intelligence. Banks template. Financial Sources.