Botswana Insurance Holdings Limited (BSM:BIHL)

BSM:BIHL Ratios and Metrics

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

Fiscal Year	Current	FY 2025	FY 2024	FY 2023	FY 2022	FY 2021
Period Ending	Apr 16, 2026	Dec 31, 2025	Dec 31, 2024	Dec 31, 2023	Dec 31, 2022	Dec 31, 2021
Market Capitalization	6,694	6,558	6,410	5,700	5,001	4,941
Market Cap Growth	4.17%	2.31%	12.44%	13.99%	1.20%	-
Enterprise Value	6,068	6,605	6,225	5,455	4,888	4,779
PE Ratio	20.09	19.58	-	7.35	11.30	12.74
PS Ratio	2.27	2.23	2.82	1.77	1.83	1.46
PB Ratio	2.05	2.01	2.07	1.57	1.32	1.48
P/FCF Ratio	14.14	13.85	12.64	19.50	7.78	2.71
P/OCF Ratio	13.85	13.57	12.44	18.92	7.70	2.52
EV/Sales Ratio	2.06	2.24	2.74	1.69	1.78	1.41
EV/EBITDA Ratio	11.96	16.39	-	5.25	13.75	25.93
EV/EBIT Ratio	12.51	17.09	-	5.36	14.43	27.81
EV/FCF Ratio	12.82	13.95	12.28	18.66	7.60	2.62
Debt / Equity Ratio	0.05	0.05	0.02	0.00	0.00	0.00
Debt / EBITDA Ratio	0.41	0.41	-	0.01	0.04	0.05
Debt / FCF Ratio	0.36	0.36	0.15	0.04	0.03	0.01
Net Debt / Equity Ratio	-0.19	-0.19	-0.04	-0.04	-0.10	-0.04
Net Debt / EBITDA Ratio	-1.58	-1.58	1.38	-0.15	-1.08	-0.70
Net Debt / FCF Ratio	-1.34	-1.34	-0.27	-0.54	-0.60	-0.07
Quick Ratio	1.27	1.27	96.93	182.51	18.76	14.30
Current Ratio	1.29	1.29	97.02	182.69	21.87	17.40
Asset Turnover	0.14	0.14	0.11	0.17	0.15	0.19
Return on Equity (ROE)	10.48%	10.48%	-3.17%	21.03%	12.56%	12.35%
Return on Assets (ROA)	1.17%	1.17%	-0.36%	3.27%	1.15%	0.61%
Return on Invested Capital (ROIC)	7.88%	8.19%	7.36%	19.65%	7.65%	4.43%
Earnings Yield	5.00%	5.11%	-1.66%	13.60%	8.85%	7.85%
FCF Yield	7.07%	7.22%	7.91%	5.13%	12.85%	36.96%
Dividend Yield	4.64%	4.85%	5.03%	11.24%	12.70%	5.95%
Payout Ratio	79.09%	79.09%	-	98.05%	91.50%	50.19%
Buyback Yield / Dilution	-2.50%	-2.50%	2.01%	-1.23%	-1.41%	-0.21%
Total Shareholder Return	2.13%	2.35%	7.04%	10.02%	11.29%	5.74%

Updated Dec 31, 2025. Source: S&P Global Market Intelligence. Insurance template. Financial Sources.