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	Jan 13, 2026	Dec 31, 2024	Dec 31, 2023	Dec 31, 2022	Dec 31, 2021	Dec 31, 2020
Market Capitalization	50,652	15,936	4,773	3,182	3,409	2,273
Market Cap Growth	295.56%	233.86%	50.00%	-6.67%	50.00%	-9.17%
Enterprise Value	50,504	12,892	1,200	-275	114	-1,919
PE Ratio	43.65	6.81	3.68	2.30	3.50	3.31
PS Ratio	1.04	0.39	0.24	0.20	0.40	0.28
PB Ratio	3.51	1.01	0.35	0.31	0.36	0.26
P/FCF Ratio	23.50	7.10	12.70	2.18	2.04	13.11
P/OCF Ratio	22.35	5.60	8.30	2.05	1.98	7.54
EV/Sales Ratio	1.04	0.31	0.06	-	0.01	-
EV/EBITDA Ratio	21.76	3.51	0.76	-	0.09	-
EV/EBIT Ratio	26.54	3.77	0.82	-	0.10	-
EV/FCF Ratio	23.43	5.74	3.19	-	0.07	-
Debt / Equity Ratio	0.33	0.33	0.27	0.20	0.18	0.15
Debt / EBITDA Ratio	2.07	1.37	2.24	1.20	1.30	1.38
Debt / FCF Ratio	2.23	2.32	9.80	1.44	1.04	7.58
Quick Ratio	1.70	2.47	2.72	2.33	1.50	1.44
Current Ratio	2.69	2.92	3.29	2.95	1.90	1.94
Asset Turnover	1.88	1.61	1.00	0.95	0.55	0.57
Return on Equity (ROE)	8.20%	16.00%	10.80%	13.85%	10.69%	8.38%
Return on Assets (ROA)	4.59%	8.36%	4.56%	6.12%	4.54%	3.60%
Return on Capital (ROIC)	6.42%	11.15%	6.11%	8.60%	6.66%	5.38%
Earnings Yield	2.29%	14.69%	27.20%	43.58%	28.59%	30.26%
FCF Yield	4.26%	14.09%	7.88%	45.82%	48.92%	7.63%
Dividend Yield	1.40%	4.54%	7.61%	-	-	-
Buyback Yield / Dilution	9.14%	-	-65.58%	-	24.39%	-32.26%
Total Shareholder Return	10.57%	4.54%	-57.98%	-	24.39%	-32.26%

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