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 2024	FY 2023	FY 2022	FY 2021	FY 2020
Period Ending	Oct 2, 2025	Dec 31, 2024	Dec 31, 2023	Dec 31, 2022	Dec 31, 2021	Dec 31, 2020
Market Capitalization	39,127	15,936	4,773	3,182	3,409	2,273
Market Cap Growth	310.45%	233.86%	50.00%	-6.67%	50.00%	-9.17%
Enterprise Value	39,060	12,892	1,200	-275	114	-1,919
PE Ratio	13.91	6.81	3.68	2.30	3.50	3.31
PS Ratio	0.75	0.39	0.24	0.20	0.40	0.28
PB Ratio	2.44	1.01	0.35	0.31	0.36	0.26
P/FCF Ratio	12.48	7.10	12.70	2.18	2.04	13.11
P/OCF Ratio	11.46	5.60	8.30	2.05	1.98	7.54
EV/Sales Ratio	0.75	0.31	0.06	-	0.01	-
EV/EBITDA Ratio	9.12	3.51	0.76	-	0.09	-
EV/EBIT Ratio	10.23	3.77	0.82	-	0.10	-
EV/FCF Ratio	12.46	5.74	3.19	-	0.07	-
Debt / Equity Ratio	0.31	0.33	0.27	0.20	0.18	0.15
Debt / EBITDA Ratio	1.14	1.37	2.24	1.20	1.30	1.38
Debt / FCF Ratio	1.56	2.32	9.80	1.44	1.04	7.58
Quick Ratio	1.64	2.47	2.72	2.33	1.50	1.44
Current Ratio	2.72	2.92	3.29	2.95	1.90	1.94
Asset Turnover	1.99	1.61	1.00	0.95	0.55	0.57
Return on Equity (ROE)	18.63%	16.00%	10.80%	13.85%	10.69%	8.38%
Return on Assets (ROA)	9.05%	8.37%	4.56%	6.12%	4.54%	3.60%
Return on Capital (ROIC)	12.29%	11.16%	6.11%	8.60%	6.66%	5.38%
Earnings Yield	7.19%	14.69%	27.20%	43.58%	28.59%	30.26%
Earnings Yield	7.19%	14.69%	27.20%	43.58%	28.59%	30.26%
FCF Yield	8.01%	14.09%	7.88%	45.82%	48.92%	7.63%
Dividend Yield	1.82%	4.54%	7.61%	-	-	-
Buyback Yield / Dilution	-	-	-65.58%	-	24.39%	-32.26%
Total Shareholder Return	1.82%	4.54%	-57.98%	-	24.39%	-32.26%

Updated Jun 30, 2025. Source: S&P Global Market Intelligence. Insurance template. Financial Sources.