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	May 21, 2026	Dec 31, 2025	Dec 31, 2024	Dec 31, 2023	Dec 31, 2022	Dec 31, 2021
Market Capitalization	31,302	54,351	15,936	4,773	3,182	3,409
Market Cap Growth	129.17%	241.07%	233.86%	50.00%	-6.67%	50.00%
Enterprise Value	30,793	54,204	12,892	1,200	-275	114
PE Ratio	99.62	81.98	6.81	3.68	2.30	3.50
PS Ratio	0.68	1.14	0.39	0.24	0.20	0.40
PB Ratio	2.03	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	0.67	1.13	0.31	0.06	-	0.01
EV/EBITDA Ratio	33.41	46.69	3.42	0.76	-	0.09
EV/EBIT Ratio	66.95	60.32	3.66	0.82	-	0.10
EV/FCF Ratio	-8.23	-	5.74	3.19	-	0.07
Debt / Equity Ratio	0.33	0.34	0.33	0.27	0.20	0.18
Debt / EBITDA Ratio	5.59	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	-0.90	-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	51.98	2.40	2.47	2.72	2.33	1.50
Current Ratio	76.26	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	0.98%	1.22%	14.69%	27.20%	43.58%	28.59%
FCF Yield	-11.96%	-4.38%	14.09%	7.88%	45.82%	48.92%
Dividend Yield	1.70%	-	4.54%	7.61%	-	-
Payout Ratio	232.93%	107.30%	18.24%	-	-	-
Buyback Yield / Dilution	-	-	-	-65.58%	-	24.39%
Total Shareholder Return	1.70%	-	4.54%	-57.98%	-	24.39%

Source: S&P Global Market Intelligence. Insurance template. Financial Sources.