Sanlam 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
Period Ending	Feb '26 Feb 20, 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
Market Capitalization	11,721	9,158	7,763	5,496	6,753	6,768
Market Cap Growth	34.42%	17.97%	41.26%	-18.63%	-0.22%	-38.41%
Enterprise Value	11,266	9,272	8,052	4,154	5,147	3,868
PE Ratio	10.85	8.05	10.84	8.15	12.94	168.97
PS Ratio	1.06	0.88	0.82	0.96	0.63	0.94
PB Ratio	2.23	1.63	1.62	1.01	1.48	1.57
P/FCF Ratio	15.25	12.54	-	6.19	24.87	74.20
P/OCF Ratio	14.54	11.85	-	5.97	22.23	51.15
EV/Sales Ratio	0.92	0.89	0.85	0.73	0.48	0.54
EV/EBITDA Ratio	1.62	1.79	1.71	4.23	2.96	6.62
EV/EBIT Ratio	1.64	1.80	1.73	4.40	3.06	7.20
EV/FCF Ratio	14.66	12.69	-	4.68	18.96	42.40
Debt / Equity Ratio	0.18	0.20	0.17	0.16	0.22	0.22
Debt / EBITDA Ratio	0.15	0.21	0.17	0.88	0.56	1.51
Debt / FCF Ratio	1.21	1.50	-	0.99	3.67	10.15
Net Debt / Equity Ratio	-0.16	-0.12	-0.11	-0.39	-0.29	-0.46
Net Debt / EBITDA Ratio	-0.14	-0.13	-0.11	-2.18	-0.76	-3.43
Net Debt / FCF Ratio	-1.12	-0.92	1.87	-2.41	-4.87	-21.95
Quick Ratio	1.26	3.49	1.85	1.85	1.11	1.78
Current Ratio	1.44	3.72	2.33	2.71	1.65	2.03
Asset Turnover	0.21	0.19	0.19	0.10	0.19	0.14
Return on Equity (ROE)	21.59%	20.87%	13.89%	13.15%	12.47%	1.79%
Return on Assets (ROA)	6.96%	5.90%	5.91%	1.04%	1.91%	0.65%
Return on Invested Capital (ROIC)	70.45%	60.05%	54.28%	12.33%	20.42%	2.75%
Earnings Yield	9.22%	12.42%	9.22%	12.28%	7.73%	0.59%
FCF Yield	6.56%	7.98%	-3.64%	16.17%	4.02%	1.35%
Dividend Yield	4.15%	5.52%	6.17%	8.91%	7.16%	6.90%
Payout Ratio	49.07%	43.27%	66.33%	68.93%	73.52%	1177.44%
Buyback Yield / Dilution	-0.24%	-1.02%	-0.55%	0.47%	-0.01%	0.10%
Total Shareholder Return	3.90%	4.50%	5.62%	9.39%	7.16%	7.00%

Source: S&P Global Market Intelligence. Insurance template. Financial Sources.