Sovereign Trust Insurance Plc (NGX:SOVRENINS)

Sovereign Trust Insurance Ratios and Metrics

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

Fiscal Year	Current	FY 2025	FY 2024	FY 2023	FY 2022	FY 2021
Period Ending	Mar 17, 2026	Dec 31, 2025	Dec 31, 2024	Dec 31, 2023	Dec 31, 2022	Dec 31, 2021
Market Capitalization	29,310	54,351	15,936	4,773	3,182	3,409
Market Cap Growth	79.13%	241.07%	233.86%	50.00%	-6.67%	50.00%
Enterprise Value	22,811	54,204	12,892	1,200	-275	114
PE Ratio	34.33	68.05	6.81	3.68	2.30	3.50
PS Ratio	0.63	1.17	0.39	0.24	0.20	0.40
PB Ratio	1.82	3.38	1.01	0.35	0.31	0.36
P/FCF Ratio	28.45	52.77	7.10	12.70	2.18	2.04
P/OCF Ratio	24.69	45.78	5.60	8.30	2.05	1.98
EV/Sales Ratio	0.49	1.17	0.31	0.06	-	0.01
EV/EBITDA Ratio	20.08	47.72	3.51	0.76	-	0.09
EV/EBIT Ratio	22.25	52.88	3.77	0.82	-	0.10
EV/FCF Ratio	22.14	52.62	5.74	3.19	-	0.07
Debt / Equity Ratio	0.33	0.33	0.33	0.27	0.20	0.18
Debt / EBITDA Ratio	4.71	4.71	1.37	2.24	1.20	1.30
Debt / FCF Ratio	5.20	5.20	2.32	9.80	1.44	1.04
Net Debt / Equity Ratio	-0.41	-0.41	-0.50	-0.54	-0.63	-0.65
Net Debt / EBITDA Ratio	-5.84	-5.84	-2.17	-4.61	-3.81	-4.74
Net Debt / FCF Ratio	-6.44	-6.44	-3.54	-19.44	-4.51	-3.75
Quick Ratio	45.49	45.49	2.47	2.72	2.33	1.50
Current Ratio	58.47	58.47	2.92	3.29	2.95	1.90
Asset Turnover	1.61	1.61	1.61	1.00	0.95	0.55
Return on Equity (ROE)	5.29%	5.29%	16.00%	10.80%	13.85%	10.69%
Return on Assets (ROA)	2.23%	2.23%	8.36%	4.56%	6.12%	4.54%
Return on Invested Capital (ROIC)	4.14%	3.97%	15.86%	8.81%	13.18%	10.66%
Earnings Yield	2.73%	1.47%	14.69%	27.20%	43.58%	28.59%
FCF Yield	3.51%	1.90%	14.09%	7.88%	45.82%	48.92%
Dividend Yield	2.66%	-	4.54%	7.61%	-	-
Buyback Yield / Dilution	18.71%	6.44%	-	-65.58%	-	24.39%
Total Shareholder Return	21.37%	6.44%	4.54%	-57.98%	-	24.39%

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