Universal 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 2024	FY 2023	FY 2022	FY 2021	FY 2020	2019 - 2015
Period Ending	Dec '25 Dec 4, 2025	Dec '24 Dec 31, 2024	Dec '23 Dec 31, 2023	Dec '22 Dec 31, 2022	Dec '21 Dec 31, 2021	Dec '20 Dec 31, 2020	2019 - 2015
Market Capitalization	18,400	10,560	4,160	3,200	3,200	3,200	Upgrade
Market Cap Growth	259.38%	153.85%	30.00%	-	-	-	Upgrade
Enterprise Value	15,675	8,710	2,848	2,547	2,868	2,846	Upgrade
PE Ratio	6.49	5.44	7.85	10.18	21.13	2.82	Upgrade
PS Ratio	0.80	0.78	0.49	0.64	1.09	0.89	Upgrade
PB Ratio	1.14	0.71	0.34	0.31	0.32	0.34	Upgrade
P/FCF Ratio	40.60	5.83	15.62	-	-	10.54	Upgrade
P/OCF Ratio	21.37	4.21	2.13	-	512.66	9.78	Upgrade
EV/Sales Ratio	0.68	0.64	0.34	0.51	0.98	0.79	Upgrade
EV/EBITDA Ratio	7.85	7.76	5.69	170.26	12.52	2.26	Upgrade
EV/EBIT Ratio	9.63	10.71	9.50	-	21.48	2.42	Upgrade
EV/FCF Ratio	34.59	4.81	10.69	-	-	9.37	Upgrade
Quick Ratio	1.09	1.13	0.67	0.90	0.35	0.61	Upgrade
Current Ratio	1.84	1.84	1.38	1.76	0.57	0.91	Upgrade
Asset Turnover	1.11	0.69	0.55	0.39	0.25	0.34	Upgrade
Return on Equity (ROE)	19.96%	14.28%	4.70%	3.09%	1.55%	12.74%	Upgrade
Return on Assets (ROA)	4.87%	2.59%	1.22%	-0.51%	0.70%	6.87%	Upgrade
Return on Capital (ROIC)	7.16%	3.74%	1.66%	-0.64%	0.86%	8.25%	Upgrade
Earnings Yield	15.41%	18.38%	12.74%	9.83%	4.73%	35.50%	Upgrade
FCF Yield	2.46%	17.17%	6.40%	-3.84%	-1.25%	9.49%	Upgrade

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