Sanlam Ratios and Metrics

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

Millions NAD. 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	201,526	178,923	158,824	99,589	122,558	121,274	Upgrade
Market Cap Growth	10.28%	12.65%	59.48%	-18.74%	1.06%	-29.64%	Upgrade
Enterprise Value	192,918	181,156	164,742	75,282	93,414	69,301	Upgrade
PE Ratio	8.94	8.05	10.84	8.15	12.94	168.97	Upgrade
PS Ratio	0.87	0.88	0.82	0.96	0.63	0.94	Upgrade
PB Ratio	1.84	1.63	1.62	1.01	1.48	1.57	Upgrade
P/FCF Ratio	12.58	12.54	-	6.19	24.87	74.20	Upgrade
P/OCF Ratio	11.99	11.85	-	5.97	22.23	51.15	Upgrade
EV/Sales Ratio	0.84	0.89	0.85	0.73	0.48	0.54	Upgrade
EV/EBITDA Ratio	1.46	1.79	1.71	4.23	2.96	6.62	Upgrade
EV/EBIT Ratio	1.48	1.80	1.73	4.40	3.06	7.20	Upgrade
EV/FCF Ratio	12.04	12.69	-	4.68	18.96	42.40	Upgrade
Debt / Equity Ratio	0.18	0.20	0.17	0.16	0.22	0.22	Upgrade
Debt / EBITDA Ratio	0.15	0.21	0.17	0.88	0.56	1.51	Upgrade
Debt / FCF Ratio	1.21	1.50	-	0.99	3.67	10.15	Upgrade
Quick Ratio	1.26	3.49	1.85	1.85	1.11	1.78	Upgrade
Current Ratio	1.44	3.72	2.33	2.71	1.65	2.03	Upgrade
Asset Turnover	0.21	0.19	0.19	0.10	0.19	0.14	Upgrade
Return on Equity (ROE)	21.59%	20.87%	13.89%	13.15%	12.47%	1.79%	Upgrade
Return on Assets (ROA)	6.96%	5.90%	5.91%	1.04%	1.91%	0.65%	Upgrade
Return on Capital (ROIC)	64.07%	51.27%	51.58%	9.94%	19.60%	6.38%	Upgrade
Earnings Yield	11.18%	12.42%	9.22%	12.28%	7.73%	0.59%	Upgrade
FCF Yield	7.95%	7.98%	-3.64%	16.17%	4.02%	1.35%	Upgrade
Dividend Yield	4.79%	5.41%	6.17%	8.85%	7.06%	6.76%	Upgrade
Payout Ratio	49.07%	43.27%	66.33%	68.93%	73.52%	1177.44%	Upgrade
Buyback Yield / Dilution	-0.24%	-1.02%	-0.55%	0.47%	-0.01%	0.10%	Upgrade
Total Shareholder Return	4.54%	4.39%	5.62%	9.32%	7.06%	6.86%	Upgrade

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