Zambia Reinsurance Ratios and Metrics

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

Millions ZMW. Fiscal year is Jan - Dec.

Fiscal Year	Current	FY 2025	FY 2024	FY 2023	FY 2022	FY 2021
Period Ending	Mar '26 Mar 12, 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	123	122	122	126	126	126
Market Cap Growth	-	-	-3.57%	-	0.36%	49.46%
Enterprise Value	121	117	104	125	121	114
PE Ratio	16.06	15.55	4.27	8.12	49.60	96.04
PS Ratio	2.00	1.98	0.66	1.06	1.04	2.29
PB Ratio	0.84	0.83	0.90	1.20	1.42	1.36
P/FCF Ratio	-	11.52	11.79	873.96	26.93	9.76
P/OCF Ratio	11.65	11.52	10.38	37.95	23.08	9.39
EV/Sales Ratio	1.97	1.90	0.57	1.05	1.00	2.09
EV/EBITDA Ratio	10.28	9.95	4.28	17.91	16.58	9.62
EV/EBIT Ratio	11.60	11.24	4.53	20.88	18.16	10.13
EV/FCF Ratio	-	11.07	10.14	867.51	25.77	8.87
Debt / Equity Ratio	-	-	0.00	0.01	0.01	-
Debt / EBITDA Ratio	-	-	0.02	0.08	0.08	-
Debt / FCF Ratio	-	-	0.05	3.74	0.12	-
Net Debt / Equity Ratio	-0.01	-0.01	-0.01	-0.16	-0.01	-0.06
Net Debt / EBITDA Ratio	-0.19	-0.19	-0.08	-2.44	-0.13	-0.46
Net Debt / FCF Ratio	-0.21	-0.21	-0.18	-118.05	-0.20	-0.42
Quick Ratio	-	-	1.47	1.98	1.79	4.47
Current Ratio	-	-	2.59	3.07	2.45	4.81
Asset Turnover	0.28	0.28	1.01	0.81	0.95	0.50
Return on Equity (ROE)	5.55%	5.55%	23.64%	15.98%	2.81%	1.44%
Return on Assets (ROA)	3.00%	3.00%	7.98%	2.56%	3.27%	6.38%
Return on Invested Capital (ROIC)	5.34%	5.54%	16.78%	4.63%	2.29%	5.74%
Earnings Yield	6.36%	6.43%	23.43%	12.31%	2.02%	1.04%
FCF Yield	-	8.68%	8.48%	0.11%	3.71%	10.25%
Dividend Yield	2.56%	2.59%	2.12%	1.67%	1.70%	2.28%
Payout Ratio	32.25%	32.25%	7.03%	13.01%	104.44%	-
Buyback Yield / Dilution	-2.14%	-2.14%	-	-	-	-
Total Shareholder Return	0.42%	0.45%	2.12%	1.67%	1.70%	2.28%

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