Cornerstone Insurance Ratios and Metrics

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

Millions NGN. Fiscal year is Jan - Dec.

Fiscal Year	Current	FY 2025	FY 2024	FY 2023	FY 2022	FY 2021
Period Ending	Jul '26 Jul 2, 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	104,625	107,511	64,940	25,254	10,823	8,304
Market Cap Growth	55.50%	65.56%	157.14%	133.33%	30.33%	-22.01%
Enterprise Value	87,507	84,883	39,457	8,811	225	-4,781
PE Ratio	8.65	8.80	2.54	1.84	166512.08	2.37
PS Ratio	1.57	1.75	1.53	0.87	0.49	0.71
PB Ratio	1.37	1.48	1.07	0.75	0.59	0.41
P/FCF Ratio	14.38	16.19	63.84	6.62	5.54	17.88
P/OCF Ratio	12.59	14.05	46.35	5.72	4.87	11.11
EV/Sales Ratio	1.31	1.38	0.93	0.30	0.01	-
EV/EBITDA Ratio	5.01	5.82	-	-	-	-
EV/EBIT Ratio	5.17	6.02	-	-	-	-
EV/FCF Ratio	12.02	12.78	38.79	2.31	0.12	-
Net Debt / Equity Ratio	-0.24	-0.33	-0.40	-0.57	-0.60	-0.70
Net Debt / EBITDA Ratio	-1.03	-1.66	12.04	6.75	92.59	-5.88
Net Debt / FCF Ratio	-2.49	-3.64	-23.65	-5.04	-5.57	-31.00
Quick Ratio	9.01	2.61	1.53	1.49	4.89	1.12
Current Ratio	11.03	3.25	1.96	2.02	6.99	1.57
Asset Turnover	0.49	0.47	0.42	0.44	0.45	0.25
Return on Equity (ROE)	17.57%	18.55%	54.85%	53.06%	0.08%	18.51%
Return on Assets (ROA)	7.81%	6.71%	-1.45%	-2.94%	-0.41%	3.00%
Return on Invested Capital (ROIC)	22.70%	21.14%	-4.54%	-9.64%	-0.07%	11.07%
Earnings Yield	11.56%	11.37%	39.40%	54.25%	0.00%	42.28%
FCF Yield	6.96%	6.18%	1.57%	15.11%	18.04%	5.59%
Dividend Yield	4.83%	4.94%	8.39%	13.84%	12.98%	15.21%
Payout Ratio	40.56%	40.13%	11.36%	-	1397415.39%	-
Buyback Yield / Dilution	-	-	-	-	-	0.10%
Total Shareholder Return	4.83%	4.94%	8.39%	13.84%	12.98%	15.30%