Sovereign Trust Insurance Plc (NGX:SOVRENINS)

Sovereign Trust Insurance Statistics

Total Valuation

NGX:SOVRENINS has a market cap or net worth of NGN 43.11 billion. The enterprise value is 43.04 billion.

Market Cap	43.11B
Enterprise Value	43.04B

Important Dates

The next estimated earnings date is Wednesday, October 29, 2025.

Earnings Date	Oct 29, 2025
Ex-Dividend Date	Sep 8, 2025

Share Statistics

NGX:SOVRENINS has 14.23 billion shares outstanding.

Current Share Class	14.23B
Shares Outstanding	14.23B
Shares Change (YoY)	n/a
Shares Change (QoQ)	n/a
Owned by Insiders (%)	11.51%
Owned by Institutions (%)	17.56%
Float	7.64B

Valuation Ratios

The trailing PE ratio is 15.33.

PE Ratio	15.33
Forward PE	n/a
PS Ratio	0.82
PB Ratio	2.69
P/TBV Ratio	2.73
P/FCF Ratio	13.75
P/OCF Ratio	12.63
PEG Ratio	n/a

Enterprise Valuation

The stock's EV/EBITDA ratio is 10.05, with an EV/FCF ratio of 13.73.

EV / Earnings	15.31
EV / Sales	0.82
EV / EBITDA	10.05
EV / EBIT	11.27
EV / FCF	13.73

Financial Position

The company has a current ratio of 2.72, with a Debt / Equity ratio of 0.31.

Current Ratio	2.72
Quick Ratio	1.64
Debt / Equity	0.31
Debt / EBITDA	1.14
Debt / FCF	1.56
Interest Coverage	103.76

Financial Efficiency

Return on equity (ROE) is 18.63% and return on invested capital (ROIC) is 12.28%.

Return on Equity (ROE)	18.63%
Return on Assets (ROA)	9.05%
Return on Invested Capital (ROIC)	12.28%
Return on Capital Employed (ROCE)	18.12%
Revenue Per Employee	337.91M
Profits Per Employee	18.14M
Employee Count	155
Asset Turnover	1.99
Inventory Turnover	n/a

Taxes

In the past 12 months, NGX:SOVRENINS has paid 275.95 million in taxes.

Income Tax	275.95M
Effective Tax Rate	8.90%

Stock Price Statistics

The stock price has increased by +352.24% in the last 52 weeks. The beta is 0.53, so NGX:SOVRENINS's price volatility has been lower than the market average.

Beta (5Y)	0.53
52-Week Price Change	+352.24%
50-Day Moving Average	2.24
200-Day Moving Average	1.33
Relative Strength Index (RSI)	60.30
Average Volume (20 Days)	87,088,935

Short Selling Information

Short Interest	n/a
Short Previous Month	n/a
Short % of Shares Out	n/a
Short % of Float	n/a
Short Ratio (days to cover)	n/a

Income Statement

In the last 12 months, NGX:SOVRENINS had revenue of NGN 52.38 billion and earned 2.81 billion in profits. Earnings per share was 0.20.

Revenue	52.38B
Gross Profit	7.26B
Operating Income	3.82B
Pretax Income	3.10B
Net Income	2.81B
EBITDA	4.11B
EBIT	3.82B
Earnings Per Share (EPS)	0.20

Balance Sheet

The company has 7.07 billion in cash and 4.89 billion in debt, giving a net cash position of 188.56 million or 0.01 per share.

Cash & Cash Equivalents	7.07B
Total Debt	4.89B
Net Cash	188.56M
Net Cash Per Share	0.01
Equity (Book Value)	16.01B
Book Value Per Share	1.12
Working Capital	12.40B

Cash Flow

In the last 12 months, operating cash flow was 3.41 billion and capital expenditures -278.02 million, giving a free cash flow of 3.14 billion.

Operating Cash Flow	3.41B
Capital Expenditures	-278.02M
Free Cash Flow	3.14B
FCF Per Share	0.22

Margins

Gross margin is 13.86%, with operating and profit margins of 7.29% and 5.37%.

Gross Margin	13.86%
Operating Margin	7.29%
Pretax Margin	5.92%
Profit Margin	5.37%
EBITDA Margin	7.84%
EBIT Margin	7.29%
FCF Margin	5.99%

Dividends & Yields

This stock pays an annual dividend of 0.05, which amounts to a dividend yield of 1.65%.

Dividend Per Share	0.05
Dividend Yield	1.65%
Dividend Growth (YoY)	66.67%
Years of Dividend Growth	n/a
Payout Ratio	n/a
Buyback Yield	n/a
Shareholder Yield	1.69%
Earnings Yield	6.52%
FCF Yield	7.27%

Fair Value

There are several formulas that can be used to estimate the intrinsic value of a stock.

Lynch Fair Value
Lynch Upside
Graham Number
Graham Upside

Stock Splits

The last stock split was on July 23, 2008. It was a forward split with a ratio of 1.2.

Last Split Date	Jul 23, 2008
Split Type	Forward
Split Ratio	1.2

Scores

Altman Z-Score	n/a
Piotroski F-Score	5