Guardian Holdings Ratios and Metrics

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

Millions JMD. Fiscal year is Jan - Dec.

Fiscal Year	Current	FY 2025	FY 2024	FY 2023	FY 2022	FY 2021
Period Ending	Feb '26 Feb 27, 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
Market Capitalization	79,724	80,693	79,542	101,019	139,909	156,879
Market Cap Growth	-1.37%	1.45%	-21.26%	-27.80%	-10.82%	55.29%
Enterprise Value	74,922	82,543	75,422	114,048	134,389	150,604
PE Ratio	2.22	2.24	4.08	6.81	13.28	8.90
PS Ratio	0.48	0.48	0.49	0.67	1.08	1.05
PB Ratio	0.53	0.54	0.76	1.16	2.13	1.40
P/FCF Ratio	-	-	3.19	-	28.80	-
P/OCF Ratio	-	-	3.10	-	22.28	-
EV/Sales Ratio	0.45	0.50	0.46	0.75	1.04	1.01
EV/EBITDA Ratio	2.36	2.66	2.48	4.60	7.66	6.00
EV/EBIT Ratio	2.49	2.82	2.62	4.96	8.58	6.49
EV/FCF Ratio	-5.47	-	3.02	-	27.67	-
Debt / Equity Ratio	0.54	0.54	0.81	0.88	1.14	0.73
Debt / EBITDA Ratio	2.62	2.62	2.76	3.05	4.18	3.19
Debt / FCF Ratio	-	-	3.41	-	15.45	-
Net Debt / Equity Ratio	-0.04	-0.04	-0.07	0.11	-0.07	-0.01
Net Debt / EBITDA Ratio	-0.17	-0.17	-0.23	0.38	-0.26	-0.06
Net Debt / FCF Ratio	0.39	0.39	-0.28	-0.81	-0.96	0.18
Quick Ratio	1.93	1.93	1.55	1.34	1.44	0.81
Current Ratio	2.69	2.69	1.76	1.49	1.62	1.02
Asset Turnover	0.19	0.19	0.20	0.19	0.17	0.20
Return on Equity (ROE)	16.13%	16.13%	20.29%	19.20%	12.02%	16.27%
Return on Assets (ROA)	2.03%	2.03%	2.18%	1.82%	1.28%	1.90%
Return on Invested Capital (ROIC)	10.37%	11.08%	12.55%	11.21%	7.39%	9.71%
Earnings Yield	45.12%	44.58%	24.51%	14.70%	7.53%	11.24%
FCF Yield	-17.17%	-16.96%	31.39%	-11.55%	3.47%	-5.75%
Dividend Yield	8.25%	-	6.47%	5.66%	3.36%	3.77%
Payout Ratio	18.61%	18.62%	20.74%	26.60%	35.41%	5.34%
Buyback Yield / Dilution	0.15%	0.04%	0.00%	-	-	-
Total Shareholder Return	8.40%	0.04%	6.47%	5.66%	3.36%	3.77%

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