Jaiz Bank 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	Mar '26 Mar 5, 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	459,271	202,882	133,768	67,010	31,778	19,343
Market Cap Growth	187.71%	51.67%	99.63%	110.87%	64.29%	-0.53%
Last Close Price	10.30	4.55	2.94	1.87	0.77	0.44
PE Ratio	14.79	6.54	5.70	5.96	4.62	4.74
PS Ratio	6.14	2.71	2.17	2.11	1.41	1.14
PB Ratio	6.72	2.97	1.87	1.70	1.07	0.80
Debt / Equity Ratio	0.33	0.33	0.41	1.05	1.10	1.30
Net Debt / Equity Ratio	-2.86	-2.86	-2.42	-0.42	-0.30	-0.17
Net Debt / FCF Ratio	3.84	3.84	8.72	0.84	0.43	0.12
Return on Equity (ROE)	44.41%	44.41%	42.40%	32.52%	25.43%	19.38%
Return on Assets (ROA)	2.62%	2.62%	2.83%	2.34%	2.09%	1.59%
Earnings Yield	6.76%	15.30%	17.56%	16.77%	21.65%	21.12%
FCF Yield	-	-25.07%	-14.86%	-29.34%	-67.20%	-191.36%
Dividend Yield	0.70%	-	2.38%	2.15%	6.51%	9.00%
Payout Ratio	10.05%	10.05%	5.88%	15.37%	20.08%	21.64%
Buyback Yield / Dilution	-26.04%	-26.04%	-2.42%	-	-10.86%	-5.74%
Total Shareholder Return	-25.34%	-26.04%	-0.04%	2.15%	-4.36%	3.25%

Updated Dec 31, 2025. Source: S&P Global Market Intelligence. Banks template. Financial Sources.