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	Feb 25, 2026	Dec 31, 2025	Dec 31, 2024	Dec 31, 2023	Dec 31, 2022	Dec 31, 2021
Market Capitalization	28,599	54,351	15,936	4,773	3,182	3,409
Market Cap Growth	82.73%	241.07%	233.86%	50.00%	-6.67%	50.00%
Enterprise Value	22,099	54,204	12,892	1,200	-275	114
PE Ratio	33.50	68.05	6.81	3.68	2.30	3.50
PS Ratio	0.62	1.17	0.39	0.24	0.20	0.40
PB Ratio	1.78	3.38	1.01	0.35	0.31	0.36
P/FCF Ratio	27.76	52.77	7.10	12.70	2.18	2.04
P/OCF Ratio	24.09	45.78	5.60	8.30	2.05	1.98
EV/Sales Ratio	0.48	1.17	0.31	0.06	-	0.01
EV/EBITDA Ratio	19.45	47.72	3.51	0.76	-	0.09
EV/EBIT Ratio	21.56	52.88	3.77	0.82	-	0.10
EV/FCF Ratio	21.45	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	2.79%	1.47%	14.69%	27.20%	43.58%	28.59%
FCF Yield	3.60%	1.90%	14.09%	7.88%	45.82%	48.92%
Dividend Yield	2.40%	-	4.54%	7.61%	-	-
Buyback Yield / Dilution	18.71%	6.44%	-	-65.58%	-	24.39%
Total Shareholder Return	20.88%	6.44%	4.54%	-57.98%	-	24.39%

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