Clientèle Ratios and Metrics

Market cap in millions ZAR. Fiscal year is July - June.

Millions ZAR. Fiscal year is Jul - Jun.

Fiscal Year	Current	FY 2025	FY 2024	FY 2023	FY 2022	FY 2021
Period Ending	Mar '26 Mar 19, 2026	Jun '25 Jun 30, 2025	Jun '24 Jun 30, 2024	Jun '23 Jun 30, 2023	Jun '22 Jun 30, 2022	Jun '21 Jun 30, 2021
Market Capitalization	7,026	5,665	3,554	4,024	4,021	3,259
Market Cap Growth	63.68%	59.39%	-11.67%	0.08%	23.35%	7.05%
Enterprise Value	7,371	5,382	3,471	3,851	3,809	3,026
PE Ratio	8.56	5.37	10.77	11.70	9.57	8.31
PS Ratio	1.39	1.27	1.27	1.53	1.57	1.14
PB Ratio	0.98	0.96	1.08	1.25	3.73	3.02
P/FCF Ratio	7.28	6.20	8.28	23.11	8.56	9.59
P/OCF Ratio	7.03	5.75	7.80	20.97	8.22	9.13
EV/Sales Ratio	1.46	1.20	1.24	1.46	1.49	1.06
EV/EBITDA Ratio	5.60	5.59	5.82	9.32	4.82	3.31
EV/EBIT Ratio	5.91	5.75	5.95	9.63	4.90	3.36
EV/FCF Ratio	7.63	5.88	8.09	22.12	8.11	8.90
Debt / Equity Ratio	0.11	0.13	0.06	0.03	0.09	0.10
Debt / EBITDA Ratio	0.61	0.82	0.34	0.24	0.13	0.12
Debt / FCF Ratio	0.83	0.87	0.48	0.57	0.21	0.32
Net Debt / Equity Ratio	0.05	-0.01	-0.03	-0.05	-0.37	-0.33
Net Debt / EBITDA Ratio	0.26	-0.09	-0.19	-0.36	-0.51	-0.39
Net Debt / FCF Ratio	0.36	-0.09	-0.26	-0.86	-0.86	-1.04
Quick Ratio	33.14	16.32	34.70	14.78	23.51	40.19
Current Ratio	33.95	16.77	35.10	14.90	23.84	40.82
Asset Turnover	0.25	0.28	0.21	0.20	0.25	0.30
Return on Equity (ROE)	13.22%	23.05%	10.28%	16.15%	38.95%	37.46%
Return on Assets (ROA)	3.85%	3.73%	2.76%	1.94%	4.78%	5.81%
Return on Invested Capital (ROIC)	10.90%	14.97%	10.41%	16.48%	43.09%	52.69%
Earnings Yield	11.69%	18.62%	9.28%	8.55%	10.46%	12.04%
FCF Yield	13.74%	16.14%	12.08%	4.33%	11.68%	10.43%
Dividend Yield	8.52%	11.60%	14.35%	14.06%	14.84%	18.65%
Payout Ratio	73.09%	54.19%	127.49%	117.49%	87.72%	81.22%
Buyback Yield / Dilution	-14.47%	-35.24%	-0.02%	0.01%	-0.01%	-0.02%
Total Shareholder Return	-5.95%	-23.65%	14.33%	14.07%	14.83%	18.63%

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