ZMSE:FIDL Ratios and Metrics

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

Millions ZWL. Fiscal year is Jan - Dec.

Fiscal Year	Current	FY 2025	FY 2024	FY 2023	FY 2022	FY 2021
Period Ending	Apr '26 Apr 6, 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	1.13	1.13	3.40	0.15	0.03	0.07
Debt / EBITDA Ratio	0.66	0.66	2.61	-	0.03	-
Debt / FCF Ratio	0.54	0.54	2.53	0.66	0.22	-
Net Debt / Equity Ratio	-0.60	-0.60	-0.52	-0.33	-0.15	-0.30
Net Debt / EBITDA Ratio	-0.35	-0.35	-0.42	0.34	-0.14	0.39
Net Debt / FCF Ratio	-0.28	-0.28	-0.38	-1.40	-1.20	0.83
Quick Ratio	11.15	11.15	1.81	1.83	2.58	6.67
Current Ratio	11.17	11.17	1.97	1.97	3.19	7.86
Asset Turnover	0.55	0.55	0.31	0.04	0.44	0.31
Return on Equity (ROE)	326.71%	326.71%	189.06%	3.69%	4.67%	36.86%
Return on Assets (ROA)	3.27%	3.27%	0.69%	-0.78%	17.10%	-9.80%
Return on Invested Capital (ROIC)	71.76%	94.75%	15.58%	-7.35%	47.00%	-88.33%
Dividend Yield	148.34%	-	0.06%	-	-	-
Buyback Yield / Dilution	0.29%	0.04%	-	-	-	-
Total Shareholder Return	148.63%	0.04%	0.06%	-	-	-

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