SAGICOR FINANCIAL CO LTD (SFC.CA) Stock Fundamental Analysis
TSX:SFC - BM78669Q1007 - Common Stock
8.15 CAD
-0.04 (-0.49%)
Taking everything into account, SFC scores 4 out of 10 in our fundamental rating. SFC was compared to 79 industry peers in the Insurance industry. SFC has a medium profitability rating, but doesn't score so well on its financial health evaluation. SFC is not valued too expensively and it also shows a decent growth rate.
1. Profitability
1.1 Basic Checks
SFC had positive earnings in the past year.
In the past year SFC had a positive cash flow from operations.
SFC had positive earnings in 4 of the past 5 years.
In multiple years SFC reported negative operating cash flow during the last 5 years.
1.2 Ratios
SFC's Return On Assets of 0.46% is in line compared to the rest of the industry. SFC outperforms 45.57% of its industry peers.
Looking at the Return On Equity, with a value of 11.28%, SFC is doing worse than 62.03% of the companies in the same industry.
With a decent Return On Invested Capital value of 1.69%, SFC is doing good in the industry, outperforming 70.89% of the companies in the same industry.
The Average Return On Invested Capital over the past 3 years for SFC is in line with the industry average of 2.37%.
The last Return On Invested Capital (1.69%) for SFC is above the 3 year average (1.18%), which is a sign of increasing profitability.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| ROA | 0.46% | ||
| ROE | 11.28% | ||
| ROIC | 1.69% |
ROA(3y)1.3%
ROA(5y)1.03%
ROE(3y)30.61%
ROE(5y)20.65%
ROIC(3y)1.18%
ROIC(5y)N/A
1.3 Margins
The Profit Margin of SFC (6.89%) is worse than 93.67% of its industry peers.
SFC's Profit Margin has declined in the last couple of years.
SFC has a better Operating Margin (27.81%) than 93.67% of its industry peers.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| OM | 27.81% | ||
| PM (TTM) | 6.89% | ||
| GM | N/A |
OM growth 3YN/A
OM growth 5YN/A
PM growth 3Y-3.9%
PM growth 5YN/A
GM growth 3YN/A
GM growth 5YN/A
2. Health
2.1 Basic Checks
SFC has a Return on Invested Capital (ROIC), which is below the Cost of Capital (WACC), which means it is destroying value.
Compared to 1 year ago, SFC has less shares outstanding
The number of shares outstanding for SFC has been increased compared to 5 years ago.
Compared to 1 year ago, SFC has an improved debt to assets ratio.
2.2 Solvency
SFC has an Altman-Z score of 0.00. This is a bad value and indicates that SFC is not financially healthy and even has some risk of bankruptcy.
SFC has a Altman-Z score of 0.00. This is amongst the best in the industry. SFC outperforms 94.94% of its industry peers.
SFC has a debt to FCF ratio of 2.53. This is a good value and a sign of high solvency as SFC would need 2.53 years to pay back of all of its debts.
The Debt to FCF ratio of SFC (2.53) is worse than 63.29% of its industry peers.
SFC has a Debt/Equity ratio of 1.05. This is a high value indicating a heavy dependency on external financing.
SFC's Debt to Equity ratio of 1.05 is on the low side compared to the rest of the industry. SFC is outperformed by 98.73% of its industry peers.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Debt/Equity | 1.05 | ||
| Debt/FCF | 2.53 | ||
| Altman-Z | 0 |
ROIC/WACC0.14
WACC12.44%
2.3 Liquidity
SFC has a Current Ratio of 0.09. This is a bad value and indicates that SFC is not financially healthy enough and could expect problems in meeting its short term obligations.
Looking at the Current ratio, with a value of 0.09, SFC is in line with its industry, outperforming 43.04% of the companies in the same industry.
SFC has a Quick Ratio of 0.09. This is a bad value and indicates that SFC is not financially healthy enough and could expect problems in meeting its short term obligations.
SFC's Quick ratio of 0.09 is in line compared to the rest of the industry. SFC outperforms 43.04% of its industry peers.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Current Ratio | 0.09 | ||
| Quick Ratio | 0.09 |
3. Growth
3.1 Past
SFC shows a strong growth in Earnings Per Share. In the last year, the EPS has been growing by 472.99%, which is quite impressive.
Measured over the past years, SFC shows a decrease in Earnings Per Share. The EPS has been decreasing by -6.53% on average per year.
Looking at the last year, SFC shows a quite strong growth in Revenue. The Revenue has grown by 10.84% in the last year.
SFC shows a strong growth in Revenue. Measured over the last years, the Revenue has been growing by 223.86% yearly.
EPS 1Y (TTM)472.99%
EPS 3Y-6.53%
EPS 5YN/A
EPS Q2Q%83.51%
Revenue 1Y (TTM)10.84%
Revenue growth 3Y-6.24%
Revenue growth 5Y223.86%
Sales Q2Q%18.88%
3.2 Future
Based on estimates for the next years, SFC will show a quite strong growth in Earnings Per Share. The EPS will grow by 12.97% on average per year.
No Revenue estimates are available, so we could not analyze the future revenue growth and evolution.
EPS Next Y2.83%
EPS Next 2Y11.94%
EPS Next 3Y12.97%
EPS Next 5YN/A
Revenue Next YearN/A
Revenue Next 2YN/A
Revenue Next 3YN/A
Revenue Next 5YN/A
3.3 Evolution
The EPS growth rate is accelerating: in the next years the growth will be better than in the last years.
No Revenue estimates are available, so we could not analyze the future revenue growth and evolution.
4. Valuation
4.1 Price/Earnings Ratio
The Price/Earnings ratio is 7.55, which indicates a rather cheap valuation of SFC.
SFC's Price/Earnings ratio is a bit more expensive when compared to the industry. SFC is more expensive than 79.75% of the companies in the same industry.
Compared to an average S&P500 Price/Earnings ratio of 27.08, SFC is valued rather cheaply.
With a Price/Forward Earnings ratio of 6.95, the valuation of SFC can be described as very cheap.
The rest of the industry has a similar Price/Forward Earnings ratio as SFC.
Compared to an average S&P500 Price/Forward Earnings ratio of 22.72, SFC is valued rather cheaply.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| PE | 7.55 | ||
| Fwd PE | 6.95 |
4.2 Price Multiples
74.68% of the companies in the same industry are more expensive than SFC, based on the Enterprise Value to EBITDA ratio.
Compared to the rest of the industry, the Price/Free Cash Flow ratio of SFC is on the same level as its industry peers.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| P/FCF | 1.95 | ||
| EV/EBITDA | 3.06 |
4.3 Compensation for Growth
The high PEG Ratio(NY), which compensates the Price/Earnings for growth, indicates SFC does not grow enough to justify the current Price/Earnings ratio.
SFC's earnings are expected to grow with 12.97% in the coming years. This may justify a more expensive valuation.
PEG (NY)2.67
PEG (5Y)N/A
EPS Next 2Y11.94%
EPS Next 3Y12.97%
5. Dividend
5.1 Amount
With a Yearly Dividend Yield of 3.98%, SFC has a reasonable but not impressive dividend return.
SFC's Dividend Yield is slightly below the industry average, which is at 3.97.
SFC's Dividend Yield is rather good when compared to the S&P500 average which is at 2.35.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Dividend Yield | 3.98% |
5.2 History
SFC has been paying a dividend for over 5 years, so it has already some track record.
SFC has not decreased its dividend in the last 3 years.
Dividend Growth(5Y)N/A
Div Incr Years1
Div Non Decr Years4
5.3 Sustainability
28.28% of the earnings are spent on dividend by SFC. This is a low number and sustainable payout ratio.
DP28.28%
EPS Next 2Y11.94%
EPS Next 3Y12.97%
TSX:SFC (8/29/2025, 7:00:00 PM)
8.15
-0.04 (-0.49%)
Chartmill FA Rating
GICS SectorFinancials
GICS IndustryGroupInsurance
GICS IndustryInsurance
Earnings (Last)
Earnings (Next)
Inst Owners0.4%
Inst Owner ChangeN/A
Ins Owners9.99%
Ins Owner ChangeN/A
Market Cap1.11B
Analysts80
Price Target10.84 (33.01%)
Short Float %N/A
Short RatioN/A
Dividend
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Dividend Yield | 3.98% |
Yearly Dividend0.3
Dividend Growth(5Y)N/A
DP28.28%
Div Incr Years1
Div Non Decr Years4
Ex-Date
Surprises & Revisions
EPS beat(2)0
Avg EPS beat(2)-101.65%
Min EPS beat(2)-127.37%
Max EPS beat(2)-75.94%
EPS beat(4)2
Avg EPS beat(4)15.3%
Min EPS beat(4)-127.37%
Max EPS beat(4)156.46%
EPS beat(8)3
Avg EPS beat(8)-35.64%
EPS beat(12)5
Avg EPS beat(12)-15.84%
EPS beat(16)9
Avg EPS beat(16)3.44%
Revenue beat(2)N/A
Avg Revenue beat(2)N/A
Min Revenue beat(2)N/A
Max Revenue beat(2)N/A
Revenue beat(4)N/A
Avg Revenue beat(4)N/A
Min Revenue beat(4)N/A
Max Revenue beat(4)N/A
Revenue beat(8)N/A
Avg Revenue beat(8)N/A
Revenue beat(12)N/A
Avg Revenue beat(12)N/A
Revenue beat(16)N/A
Avg Revenue beat(16)N/A
PT rev (1m)2.82%
PT rev (3m)0.59%
EPS NQ rev (1m)9.09%
EPS NQ rev (3m)5.88%
EPS NY rev (1m)-9.55%
EPS NY rev (3m)-9.55%
Revenue NQ rev (1m)N/A
Revenue NQ rev (3m)N/A
Revenue NY rev (1m)N/A
Revenue NY rev (3m)N/A
Valuation
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| PE | 7.55 | ||
| Fwd PE | 6.95 | ||
| P/S | 0.5 | ||
| P/FCF | 1.95 | ||
| P/OCF | 1.88 | ||
| P/B | 0.81 | ||
| P/tB | 0.89 | ||
| EV/EBITDA | 3.06 |
EPS(TTM)1.08
EY13.25%
EPS(NY)1.17
Fwd EY14.4%
FCF(TTM)4.18
FCFY51.31%
OCF(TTM)4.34
OCFY53.28%
SpS16.41
BVpS10.02
TBVpS9.17
PEG (NY)2.67
PEG (5Y)N/A
Profitability
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| ROA | 0.46% | ||
| ROE | 11.28% | ||
| ROCE | 2.19% | ||
| ROIC | 1.69% | ||
| ROICexc | 1.72% | ||
| ROICexgc | 2.08% | ||
| OM | 27.81% | ||
| PM (TTM) | 6.89% | ||
| GM | N/A | ||
| FCFM | 25.49% |
ROA(3y)1.3%
ROA(5y)1.03%
ROE(3y)30.61%
ROE(5y)20.65%
ROIC(3y)1.18%
ROIC(5y)N/A
ROICexc(3y)1.22%
ROICexc(5y)N/A
ROICexgc(3y)1.51%
ROICexgc(5y)N/A
ROCE(3y)1.54%
ROCE(5y)N/A
ROICexcg growth 3YN/A
ROICexcg growth 5YN/A
ROICexc growth 3YN/A
ROICexc growth 5YN/A
OM growth 3YN/A
OM growth 5YN/A
PM growth 3Y-3.9%
PM growth 5YN/A
GM growth 3YN/A
GM growth 5YN/A
F-Score6
Asset Turnover0.07
Health
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Debt/Equity | 1.05 | ||
| Debt/FCF | 2.53 | ||
| Debt/EBITDA | 2.17 | ||
| Cap/Depr | 52.45% | ||
| Cap/Sales | 0.98% | ||
| Interest Coverage | 2.31 | ||
| Cash Conversion | 89.18% | ||
| Profit Quality | 369.91% | ||
| Current Ratio | 0.09 | ||
| Quick Ratio | 0.09 | ||
| Altman-Z | 0 |
F-Score6
WACC12.44%
ROIC/WACC0.14
Cap/Depr(3y)78.91%
Cap/Depr(5y)67.9%
Cap/Sales(3y)1.46%
Cap/Sales(5y)1.27%
Profit Quality(3y)N/A
Profit Quality(5y)N/A
High Growth Momentum
Growth
EPS 1Y (TTM)472.99%
EPS 3Y-6.53%
EPS 5YN/A
EPS Q2Q%83.51%
EPS Next Y2.83%
EPS Next 2Y11.94%
EPS Next 3Y12.97%
EPS Next 5YN/A
Revenue 1Y (TTM)10.84%
Revenue growth 3Y-6.24%
Revenue growth 5Y223.86%
Sales Q2Q%18.88%
Revenue Next YearN/A
Revenue Next 2YN/A
Revenue Next 3YN/A
Revenue Next 5YN/A
EBIT growth 1Y29.39%
EBIT growth 3YN/A
EBIT growth 5YN/A
EBIT Next YearN/A
EBIT Next 3YN/A
EBIT Next 5YN/A
FCF growth 1Y236.24%
FCF growth 3Y21.51%
FCF growth 5YN/A
OCF growth 1Y206.3%
OCF growth 3Y19.7%
OCF growth 5YN/A