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	Aug '26 Aug 13, 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	27,033	54,351	15,936	4,773	3,182	3,409
Market Cap Growth	-42.07%	241.07%	233.86%	50.00%	-6.67%	50.00%
Enterprise Value	15,432	54,204	12,892	1,200	-275	114
PE Ratio	-	81.98	6.81	3.68	2.30	3.50
PS Ratio	0.72	1.14	0.39	0.24	0.20	0.40
PB Ratio	1.17	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	0.41	1.13	0.31	0.06	-	0.01
EV/EBITDA Ratio	16.16	46.69	3.42	0.76	-	0.09
EV/EBIT Ratio	78.37	60.32	3.66	0.82	-	0.10
EV/FCF Ratio	-	-	5.74	3.19	-	0.07
Debt / Equity Ratio	0.22	0.34	0.33	0.27	0.20	0.18
Debt / EBITDA Ratio	7.61	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	-0.51	-0.40	-0.50	-0.54	-0.63	-0.65
Net Debt / EBITDA Ratio	-24.84	-5.45	-2.11	-4.61	-3.81	-4.74
Net Debt / FCF Ratio	1.93	2.66	-3.54	-19.44	-4.51	-3.75
Quick Ratio	60.29	2.40	2.47	2.72	2.33	1.50
Current Ratio	81.55	3.03	2.92	3.29	2.95	1.90
Asset Turnover	1.08	1.69	1.61	1.00	0.95	0.55
Return on Equity (ROE)	0.05%	4.41%	16.00%	10.80%	13.85%	10.69%
Return on Assets (ROA)	0.31%	1.98%	8.63%	4.56%	6.12%	4.54%
Return on Invested Capital (ROIC)	0.04%	3.38%	16.36%	8.81%	13.18%	10.66%
Earnings Yield	-0.03%	1.22%	14.69%	27.20%	43.58%	28.59%
FCF Yield	-22.49%	-4.38%	14.09%	7.88%	45.82%	48.92%
Dividend Yield	2.63%	-	4.54%	7.61%	-	-
Payout Ratio	-	107.30%	18.24%	-	-	-
Buyback Yield / Dilution	-2.10%	-	-	-65.58%	-	24.39%
Total Shareholder Return	0.54%	-	4.54%	-57.98%	-	24.39%