Sovereign Trust Insurance Ratios and Metrics

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

Millions NGN. Fiscal year is Jan - Dec.

Fiscal Year	Current	FY 2025	FY 2024	FY 2023	FY 2022	FY 2021
Period Ending	Jun '26 Jun 10, 2026	Dec '25 Dec 31, 2025	Dec '24 Dec 31, 2024	Dec '23 Dec 31, 2023	Dec '22 Dec 31, 2022	Dec '21 Dec 31, 2021
Market Capitalization	35,713	54,351	15,936	4,773	3,182	3,409
Market Cap Growth	143.69%	241.07%	233.86%	50.00%	-6.67%	50.00%
Enterprise Value	35,203	54,204	12,892	1,200	-275	114
PE Ratio	116.93	81.98	6.81	3.68	2.30	3.50
PS Ratio	0.78	1.14	0.39	0.24	0.20	0.40
PB Ratio	2.31	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	0.77	1.13	0.31	0.06	-	0.01
EV/EBITDA Ratio	37.74	46.69	3.42	0.76	-	0.09
EV/EBIT Ratio	76.54	60.32	3.66	0.82	-	0.10
EV/FCF Ratio	-	-	5.74	3.19	-	0.07
Debt / Equity Ratio	0.33	0.34	0.33	0.27	0.20	0.18
Debt / EBITDA Ratio	5.53	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	-0.04	-0.40	-0.50	-0.54	-0.63	-0.65
Net Debt / EBITDA Ratio	-0.89	-5.45	-2.11	-4.61	-3.81	-4.74
Net Debt / FCF Ratio	0.17	2.66	-3.54	-19.44	-4.51	-3.75
Quick Ratio	1.99	2.40	2.47	2.72	2.33	1.50
Current Ratio	3.08	3.03	2.92	3.29	2.95	1.90
Asset Turnover	-	1.69	1.61	1.00	0.95	0.55
Return on Equity (ROE)	-	4.41%	16.00%	10.80%	13.85%	10.69%
Return on Assets (ROA)	-	1.98%	8.63%	4.56%	6.12%	4.54%
Return on Invested Capital (ROIC)	1.70%	3.38%	16.36%	8.81%	13.18%	10.66%
Earnings Yield	0.86%	1.22%	14.69%	27.20%	43.58%	28.59%
FCF Yield	-10.48%	-4.38%	14.09%	7.88%	45.82%	48.92%
Dividend Yield	1.88%	-	4.54%	7.61%	-	-
Payout Ratio	232.93%	107.30%	18.24%	-	-	-
Buyback Yield / Dilution	-	-	-	-65.58%	-	24.39%
Total Shareholder Return	1.88%	-	4.54%	-57.98%	-	24.39%