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	Apr 27, 2026	Dec 31, 2025	Dec 31, 2024	Dec 31, 2023	Dec 31, 2022	Dec 31, 2021
Market Capitalization	27,603	54,351	15,936	4,773	3,182	3,409
Market Cap Growth	100.00%	241.07%	233.86%	50.00%	-6.67%	50.00%
Enterprise Value	21,438	54,204	12,892	1,200	-275	114
PE Ratio	41.63	81.98	6.81	3.68	2.30	3.50
PS Ratio	0.58	1.14	0.39	0.24	0.20	0.40
PB Ratio	1.74	3.43	1.01	0.35	0.31	0.36
P/FCF Ratio	-	-	7.10	12.70	2.18	2.04
P/OCF Ratio	-	-	5.60	8.30	2.05	1.98
EV/Sales Ratio	0.45	1.13	0.31	0.06	-	0.01
EV/EBITDA Ratio	14.87	46.69	3.42	0.76	-	0.09
EV/EBIT Ratio	23.86	60.32	3.66	0.82	-	0.10
EV/FCF Ratio	-9.01	-	5.74	3.19	-	0.07
Debt / Equity Ratio	0.34	0.34	0.33	0.27	0.20	0.18
Debt / EBITDA Ratio	3.72	3.72	1.33	2.24	1.20	1.30
Debt / FCF Ratio	-	-	2.32	9.80	1.44	1.04
Net Debt / Equity Ratio	-0.40	-0.40	-0.50	-0.54	-0.63	-0.65
Net Debt / EBITDA Ratio	-5.45	-5.45	-2.11	-4.61	-3.81	-4.74
Net Debt / FCF Ratio	2.66	2.66	-3.54	-19.44	-4.51	-3.75
Quick Ratio	2.40	2.40	2.47	2.72	2.33	1.50
Current Ratio	3.03	3.03	2.92	3.29	2.95	1.90
Asset Turnover	1.69	1.69	1.61	1.00	0.95	0.55
Return on Equity (ROE)	4.41%	4.41%	16.00%	10.80%	13.85%	10.69%
Return on Assets (ROA)	1.98%	1.98%	8.63%	4.56%	6.12%	4.54%
Return on Invested Capital (ROIC)	3.52%	3.38%	16.36%	8.81%	13.18%	10.66%
Earnings Yield	2.40%	1.22%	14.69%	27.20%	43.58%	28.59%
FCF Yield	-8.62%	-4.38%	14.09%	7.88%	45.82%	48.92%
Dividend Yield	2.58%	-	4.54%	7.61%	-	-
Payout Ratio	107.30%	107.30%	18.24%	-	-	-
Buyback Yield / Dilution	13.11%	-	-	-65.58%	-	24.39%
Total Shareholder Return	15.69%	-	4.54%	-57.98%	-	24.39%

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