Clientèle Ratios and Metrics

Market cap in millions ZAR. Fiscal year is July - June.

Millions ZAR. Fiscal year is Jul - Jun.

Fiscal Year	Current	FY 2025	FY 2024	FY 2023	FY 2022	FY 2021	2020 - 2016
Period Ending	Dec '25 Dec 4, 2025	Jun '25 Jun 30, 2025	Jun '24 Jun 30, 2024	Jun '23 Jun 30, 2023	Jun '22 Jun 30, 2022	Jun '21 Jun 30, 2021	2020 - 2016
Market Capitalization	5,897	5,665	3,554	4,024	4,021	3,259	Upgrade
Market Cap Growth	38.47%	59.39%	-11.67%	0.08%	23.35%	7.05%	Upgrade
Enterprise Value	5,814	5,382	3,471	3,851	3,809	3,026	Upgrade
PE Ratio	5.60	5.37	10.77	11.70	9.57	8.31	Upgrade
PS Ratio	1.32	1.27	1.27	1.53	1.57	1.14	Upgrade
PB Ratio	1.00	0.96	1.08	1.25	3.73	3.02	Upgrade
P/FCF Ratio	6.45	6.20	8.28	23.11	8.56	9.59	Upgrade
P/OCF Ratio	5.99	5.75	7.80	20.97	8.22	9.13	Upgrade
EV/Sales Ratio	1.30	1.20	1.24	1.46	1.49	1.06	Upgrade
EV/EBITDA Ratio	6.04	5.59	5.82	9.32	4.82	3.31	Upgrade
EV/EBIT Ratio	6.21	5.75	5.95	9.63	4.90	3.36	Upgrade
EV/FCF Ratio	6.36	5.88	8.09	22.12	8.11	8.90	Upgrade
Debt / Equity Ratio	0.13	0.13	0.06	0.03	0.09	0.10	Upgrade
Debt / EBITDA Ratio	0.82	0.82	0.34	0.24	0.13	0.12	Upgrade
Debt / FCF Ratio	0.87	0.87	0.48	0.57	0.21	0.32	Upgrade
Quick Ratio	13.96	13.96	12.68	14.78	23.51	40.19	Upgrade
Current Ratio	14.34	14.34	12.82	14.90	23.84	40.82	Upgrade
Asset Turnover	0.28	0.28	0.21	0.20	0.25	0.30	Upgrade
Return on Equity (ROE)	23.05%	23.05%	10.28%	16.15%	38.95%	37.46%	Upgrade
Return on Assets (ROA)	3.73%	3.73%	2.76%	1.94%	4.78%	5.81%	Upgrade
Return on Capital (ROIC)	11.48%	11.48%	10.72%	11.14%	41.02%	48.56%	Upgrade
Earnings Yield	17.89%	18.62%	9.28%	8.55%	10.46%	12.04%	Upgrade
FCF Yield	15.51%	16.14%	12.08%	4.33%	11.68%	10.43%	Upgrade
Dividend Yield	10.15%	11.60%	14.35%	14.06%	14.84%	18.65%	Upgrade
Payout Ratio	54.19%	54.19%	127.49%	117.49%	87.72%	81.22%	Upgrade
Buyback Yield / Dilution	-35.24%	-35.24%	-0.02%	0.01%	-0.01%	-0.02%	Upgrade
Total Shareholder Return	-24.86%	-23.65%	14.33%	14.07%	14.83%	18.63%	Upgrade

Source: S&P Capital IQ. Insurance template. Financial Sources.