Sovereign Trust Insurance Plc (NGX:SOVRENINS)

Nigeria · Delayed Price · Currency is NGN

2.040

-0.220 (-9.73%)

At close: Sep 3, 2026

Sovereign Trust Insurance Ratios and Metrics

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

Millions NGN. Fiscal year is Jan - Dec.

Total Valuation

Fiscal Year	Current	FY 2025	FY 2024	FY 2023	FY 2022	FY 2021
Period Ending	Sep '26 Sep 2, 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	29,025	54,351	15,936	4,773	3,182	3,409
Market Cap Growth	-28.67%	241.07%	233.86%	50.00%	-6.67%	50.00%
Enterprise Value	17,424	54,204	12,892	1,200	-275	114

Price Ratios

Fiscal Year	Current	FY 2025	FY 2024	FY 2023	FY 2022	FY 2021
Period Ending	Sep '26 Sep 2, 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
PE Ratio	-	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	1.25	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 Ratios

Fiscal Year	Current	FY 2025	FY 2024	FY 2023	FY 2022	FY 2021
Period Ending	Sep '26 Sep 2, 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
EV/Sales Ratio	0.47	1.13	0.31	0.06	-	0.01
EV/EBITDA Ratio	18.25	46.69	3.42	0.76	-	0.09
EV/EBIT Ratio	88.48	60.32	3.66	0.82	-	0.10
EV/FCF Ratio	-	-	5.74	3.19	-	0.07

Financial Efficiency

Fiscal Year	Current	FY 2025	FY 2024	FY 2023	FY 2022	FY 2021
Period Ending	Sep '26 Sep 2, 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
Debt / Equity Ratio	0.22	0.34	0.33	0.27	0.20	0.18
Debt / EBITDA Ratio	5.41	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	-17.80	-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	2.08	2.40	2.47	2.72	2.33	1.50
Current Ratio	2.84	3.03	2.92	3.29	2.95	1.90
Asset Turnover	1.09	1.69	1.61	1.00	0.95	0.55
Return on Equity (ROE)	0.12%	4.41%	16.00%	10.80%	13.85%	10.69%
Return on Assets (ROA)	0.36%	1.98%	8.63%	4.56%	6.12%	4.54%
Return on Invested Capital (ROIC)	0.13%	3.38%	16.36%	8.81%	13.18%	10.66%

Yields

Fiscal Year	Current	FY 2025	FY 2024	FY 2023	FY 2022	FY 2021
Period Ending	Sep '26 Sep 2, 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
Earnings Yield	-0.03%	1.22%	14.69%	27.20%	43.58%	28.59%
FCF Yield	-20.95%	-4.38%	14.09%	7.88%	45.82%	48.92%
Dividend Yield	2.45%	-	4.54%	7.61%	-	-
Payout Ratio	-	107.30%	18.24%	-	-	-
Buyback Yield / Dilution	-	-	-	-65.58%	-	24.39%
Total Shareholder Return	2.21%	-	4.54%	-57.98%	-	24.39%