Sovereign Trust Insurance (NSA:STIP) Intrinsic Value: Projected FCF: ₦0.00 (As of Aug. 12, 2026)

Author: Vera Yuan Vera Yuan
Vera Yuan
Vera Yuan
Director of Data and Quant Analytics at GuruFocus
Focused on building reliable datasets, financial models, and research tools for value-minded investors. Committed to turning complex data into practical guidance for value-investing and long-term wealth.
Reviewed by: Charlie Tian Charlie Tian
Charlie Tian
Charlie Tian
Founder & CEO of GuruFocus
Dr. Charlie Tian is the founder and CEO of GuruFocus.com, a leading global investment research platform established in 2004. With a Ph.D. in physics, Dr. Tian transitioned from science to finance, applying a data-driven, disciplined approach to value investing.

What is Sovereign Trust Insurance Intrinsic Value: Projected FCF?

Sovereign Trust Insurance NSA:STIP +4.21% Intrinsic Value: Projected FCF is ₦0.00 as of Aug. 12, 2026.

Since the intrinsic value calculations based on Discounted Cash Flow Intrinsic Value: DCF (FCF Based), or Discounted Earnings Intrinsic Value: DCF (Earnings Based) cannot be applied to companies without consistent revenue and earnings, GuruFocus developed a valuation model based on normalized Free Cash Flow and Book Value of the company. The details of how we calculate the intrinsic value of stocks are described in detail here.

As of today (2026-08-12), Sovereign Trust Insurance's Intrinsic Value: Projected FCF is ₦0.00. The stock price of Sovereign Trust Insurance is ₦1.98. Therefore, Sovereign Trust Insurance's Price-to-Intrinsic-Value-Projected-FCF of today is 0.0.

The historical rank and industry rank for Sovereign Trust Insurance's Intrinsic Value: Projected FCF or its related term are showing as below:

NSA:STIP's Price-to-Projected-FCF is not ranked *
in the Insurance industry.
Industry Median: 0.745
* Ranked among companies with meaningful Price-to-Projected-FCF only.

Sovereign Trust Insurance  (NSA:STIP) Intrinsic Value: Projected FCF Explanation

The growth multiple is capped between 8.35 and 17.74.

Total Stockholders Equity weighting is more art than science and it should always be revisited in more detail when researching a company. Weightings from 0% to 100% to more than 100% are possible. 80% was chosen as a happy median after taking the above ideas into consideration.

Sovereign Trust Insurance's Price-to-Intrinsic-Value-Projected-FCF for today is calculated as

Price-to-Intrinsic-Value-Projected-FCF=Share Price/Intrinsic Value: Projected FCF
=1.98/
=

* For Operating Data section: All numbers are indicated by the unit behind each term and all currency related amount are in USD.
* For other sections: All numbers are in millions except for per share data, ratio, and percentage. All currency related amount are indicated in the company's associated stock exchange currency.

Sovereign Trust Insurance Intrinsic Value: Projected FCF Related Terms

Sovereign Trust Insurance Intrinsic Value: Projected FCF Historical Data

* Premium members only.

The historical data trend for Sovereign Trust Insurance's Intrinsic Value: Projected FCF can be seen below:

* For Operating Data section: All numbers are indicated by the unit behind each term and all currency related amount are in USD.
* For other sections: All numbers are in millions except for per share data, ratio, and percentage. All currency related amount are indicated in the company's associated stock exchange currency.

Sovereign Trust Insurance Intrinsic Value: Projected FCF Chart

Sovereign Trust Insurance Annual Data
Trend
Intrinsic Value: Projected FCF

Sovereign Trust Insurance Quarterly Data
Intrinsic Value: Projected FCF

Sovereign Trust Insurance Intrinsic Value: Projected FCF Competitor Comparison

For the Insurance - Diversified subindustry, Sovereign Trust Insurance's Price-to-Projected-FCF, along with its competitors' market caps and Price-to-Projected-FCF data, can be viewed below:

* Competitive companies are chosen from companies within the same industry, with headquarter located in same country, with closest market capitalization; x-axis shows the market cap, and y-axis shows the term value; the bigger the dot, the larger the market cap. Note that "N/A" values will not show up in the chart.

Sovereign Trust Insurance Price-to-Projected-FCF vs Insurance Industry

For the Insurance industry and Financial Services sector, Sovereign Trust Insurance's Price-to-Projected-FCF distribution charts can be found below:

* The bar in red indicates where Sovereign Trust Insurance's Price-to-Projected-FCF falls into.


Sovereign Trust Insurance Intrinsic Value: Projected FCF Calculation

Since the intrinsic value calculations based on Discounted Cash Flow Intrinsic Value: DCF (FCF Based), or Discounted Earnings Intrinsic Value: DCF (Earnings Based) cannot be applied to companies without consistent revenue and earnings, GuruFocus developed a valuation model based on normalized Free Cash Flow and Book Value of the company.

The details of how we calculate the intrinsic value of stocks are described in detail here.

This method smooths out the free cash flow over the past 6-7 years, multiplies the results by a growth multiple, and adds a portion of Total Stockholders Equity.

Intrinsic Value: Projected FCF = ( Growth Multiple * Free Cash Flow (6 year avg) + 0.8 * Total Stockholders Equity (most recent) ) / Shares Outstanding (Diluted Average)

In the case of negative Total Stockholders Equity, the following formula is used (see Explanation section below for the reason):

Intrinsic Value: Projected FCF = ( Growth Multiple * Free Cash Flow (6 year avg) + Total Stockholders Equity (most recent) / 0.8 ) / Shares Outstanding (Diluted Average)


What does a Intrinsic Value: Projected FCF of ₦0.00 mean?
Sovereign Trust Insurance (NSA:STIP) has a Intrinsic Value: Projected FCF of ₦0.00 as of Aug. 12, 2026. Intrinsic Value: Projected FCF is the stock value based on a projected free cash flow model. View historical data on Sovereign Trust Insurance and its competitors.
Is Sovereign Trust Insurance's Intrinsic Value: Projected FCF too high?
Sovereign Trust Insurance's current Intrinsic Value: Projected FCF is ₦0.00.
How does Sovereign Trust Insurance's Intrinsic Value: Projected FCF compare to competitors?
Sovereign Trust Insurance's Intrinsic Value: Projected FCF of ₦0.00 can be compared against companies in the Insurance industry. The industry median Intrinsic Value: Projected FCF is 0.75. See the competitive comparison table and distribution chart on this page for a detailed peer-by-peer breakdown.
What is a good Intrinsic Value: Projected FCF for an Insurance company?
The median Intrinsic Value: Projected FCF among Insurance companies is 0.75, based on 396 companies in the industry. Companies in the top quartile (top 25%) have a Intrinsic Value: Projected FCF significantly above this median, while those in the bottom quartile fall well below. However, Intrinsic Value: Projected FCF should not be evaluated in isolation — investors should consider it alongside profitability, growth, and financial strength metrics. Use the industry distribution chart on this page to see where any company falls relative to its peers.
What does a high Intrinsic Value: Projected FCF mean?
A high Intrinsic Value: Projected FCF can signal that a stock is expensive relative to its fundamentals. Intrinsic Value: Projected FCF is the stock value based on a projected free cash flow model. View historical data on Sovereign Trust Insurance and its competitors. For the Insurance industry, the median Intrinsic Value: Projected FCF is 0.75 — values significantly above this may indicate overvaluation, while values below may suggest a bargain or underlying issues. Sovereign Trust Insurance's current Intrinsic Value: Projected FCF is ₦0.00. However, context matters — high-growth companies often justify higher valuations. Always evaluate alongside other metrics like GF Score™ and GF Value™.
Is Sovereign Trust Insurance stock overvalued right now?
Sovereign Trust Insurance (NSA:STIP) has a current Intrinsic Value: Projected FCF of ₦0.00. The current Intrinsic Value: Projected FCF is ₦0.00. Investors should evaluate multiple metrics — including profitability, growth, and financial strength — before making a decision.
How is Intrinsic Value: Projected FCF calculated?
Intrinsic Value: Projected FCF is calculated from a company's financial statements. For Sovereign Trust Insurance (NSA:STIP), the current Intrinsic Value: Projected FCF is ₦0.00 as of Aug. 12, 2026. GuruFocus calculates this using data sourced from SEC filings and annual reports. See the calculation section and 30-year financial data on this page for the full breakdown.

Sovereign Trust Insurance Business Description

Address 17, Adetokunbo Ademola Street, Victoria Island, Lagos, NGA
Sovereign Trust Insurance PLC offers a range of non- life insurance products and services, including motor insurance, marine insurance and aviation insurance, among others. The company's offerings are tailored to meet the specific needs of its clients.