SAGICOR FINANCIAL CO LTD (SFC.CA) Stock Fundamental Analysis
TSX:SFC - Toronto Stock Exchange - BM78669Q1007 - Common Stock - Currency: CAD
We assign a fundamental rating of 3 out of 10 to SFC. SFC was compared to 81 industry peers in the Insurance industry. SFC may be in some trouble as it scores bad on both profitability and health. SFC is not valued too expensively and it also shows a decent growth rate.
1. Profitability
1.1 Basic Checks
In the past year SFC was profitable.
SFC had a positive operating cash flow in the past year.
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
The Return On Assets of SFC (0.34%) is worse than 69.14% of its industry peers.
With a Return On Equity value of 8.13%, SFC is not doing good in the industry: 93.83% of the companies in the same industry are doing better.
Looking at the Return On Invested Capital, with a value of 1.57%, SFC is in the better half of the industry, outperforming 70.37% of the companies in the same industry.
Measured over the past 3 years, the Average Return On Invested Capital for SFC is in line with the industry average of 2.70%.
The 3 year average ROIC (1.18%) for SFC is below the current ROIC(1.57%), indicating increased profibility in the last year.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| ROA | 0.34% | ||
| ROE | 8.13% | ||
| ROIC | 1.57% |
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
SFC's Profit Margin of 4.99% is on the low side compared to the rest of the industry. SFC is outperformed by 91.36% of its industry peers.
In the last couple of years the Profit Margin of SFC has declined.
With an excellent Operating Margin value of 25.72%, SFC belongs to the best of the industry, outperforming 93.83% of the companies in the same industry.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| OM | 25.72% | ||
| PM (TTM) | 4.99% | ||
| 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
SFC has more shares outstanding than it did 5 years ago.
The debt/assets ratio for SFC has been reduced compared to a year ago.
2.2 Solvency
Based on the Altman-Z score of 0.00, we must say that SFC is in the distress zone and has some risk of bankruptcy.
SFC's Altman-Z score of 0.00 is amongst the best of the industry. SFC outperforms 93.83% of its industry peers.
SFC has a debt to FCF ratio of 6.03. This is a slightly negative value and a sign of low solvency as SFC would need 6.03 years to pay back of all of its debts.
The Debt to FCF ratio of SFC (6.03) is worse than 96.30% 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.
With a Debt to Equity ratio value of 1.05, SFC is not doing good in the industry: 97.53% of the companies in the same industry are doing better.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Debt/Equity | 1.05 | ||
| Debt/FCF | 6.03 | ||
| Altman-Z | 0 |
ROIC/WACC0.13
WACC12.33%
2.3 Liquidity
A Current Ratio of 0.09 indicates that SFC may have some problems paying its short term obligations.
SFC has a Current ratio of 0.09. This is comparable to the rest of the industry: SFC outperforms 41.98% of its industry peers.
A Quick Ratio of 0.09 indicates that SFC may have some problems paying its short term obligations.
SFC has a Quick ratio (0.09) which is in line with its industry peers.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Current Ratio | 0.09 | ||
| Quick Ratio | 0.09 |
3. Growth
3.1 Past
SFC shows a strong negative growth in Earnings Per Share. In the last year the EPS decreased by -28.22%.
SFC shows a decrease in Earnings Per Share. Measured over the last years, the EPS has been decreasing by -6.53% yearly.
The Revenue has grown by 11.02% in the past year. This is quite good.
SFC shows a strong growth in Revenue. Measured over the last years, the Revenue has been growing by 223.86% yearly.
EPS 1Y (TTM)-28.22%
EPS 3Y-6.53%
EPS 5YN/A
EPS Q2Q%-73.63%
Revenue 1Y (TTM)11.02%
Revenue growth 3Y-6.24%
Revenue growth 5Y223.86%
Sales Q2Q%-9.99%
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 11.94% on average per year.
No Revenue estimates are available, so we could not analyze the future revenue growth and evolution.
EPS Next Y13.68%
EPS Next 2Y11.94%
EPS Next 3YN/A
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
SFC is valuated reasonably with a Price/Earnings ratio of 11.17.
Compared to the rest of the industry, the Price/Earnings ratio of SFC indicates a rather expensive valuation: SFC more expensive than 83.95% of the companies listed in the same industry.
SFC's Price/Earnings ratio indicates a rather cheap valuation when compared to the S&P500 average which is at 27.41.
A Price/Forward Earnings ratio of 7.17 indicates a rather cheap valuation of SFC.
SFC's Price/Forward Earnings ratio is in line with the industry average.
Compared to an average S&P500 Price/Forward Earnings ratio of 35.19, SFC is valued rather cheaply.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| PE | 11.17 | ||
| Fwd PE | 7.17 |
4.2 Price Multiples
Compared to the rest of the industry, the Enterprise Value to EBITDA ratio of SFC indicates a somewhat cheap valuation: SFC is cheaper than 72.84% of the companies listed in the same industry.
Based on the Price/Free Cash Flow ratio, SFC is valued a bit more expensive than the industry average as 75.31% of the companies are valued more cheaply.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| P/FCF | 5 | ||
| EV/EBITDA | 3.5 |
4.3 Compensation for Growth
SFC's low PEG Ratio(NY), which compensates the Price/Earnings for growth, indicates a rather cheap valuation of the company.
PEG (NY)0.82
PEG (5Y)N/A
EPS Next 2Y11.94%
EPS Next 3YN/A
5. Dividend
5.1 Amount
SFC has a Yearly Dividend Yield of 3.93%.
With a Dividend Yield of 3.93, SFC pays less dividend than the industry average, which is at 5.18. 82.72% of the companies listed in the same industry pay a better dividend than SFC!
Compared to an average S&P500 Dividend Yield of 2.35, SFC pays a better dividend.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Dividend Yield | 3.93% |
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
38.73% of the earnings are spent on dividend by SFC. This is a low number and sustainable payout ratio.
DP38.73%
EPS Next 2Y11.94%
EPS Next 3YN/A
TSX:SFC (7/11/2025, 7:00:00 PM)
8.38
+0.07 (+0.84%)
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 Cap1.14B
Analysts80
Price Target10.54 (25.78%)
Short Float %N/A
Short RatioN/A
Dividend
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Dividend Yield | 3.93% |
Yearly Dividend0.3
Dividend Growth(5Y)N/A
DP38.73%
Div Incr Years1
Div Non Decr Years4
Ex-Date
Surprises & Revisions
EPS beat(2)1
Avg EPS beat(2)16.06%
Min EPS beat(2)-75.94%
Max EPS beat(2)108.06%
EPS beat(4)2
Avg EPS beat(4)-19.35%
Min EPS beat(4)-265.99%
Max EPS beat(4)156.46%
EPS beat(8)4
Avg EPS beat(8)7.86%
EPS beat(12)6
Avg EPS beat(12)-1.56%
EPS beat(16)9
Avg EPS beat(16)8.69%
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)0%
PT rev (3m)-2.17%
EPS NQ rev (1m)-3.57%
EPS NQ rev (3m)-1.37%
EPS NY rev (1m)0%
EPS NY rev (3m)2.34%
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 | 11.17 | ||
| Fwd PE | 7.17 | ||
| P/S | 0.53 | ||
| P/FCF | 5 | ||
| P/OCF | 4.54 | ||
| P/B | 0.87 | ||
| P/tB | 0.95 | ||
| EV/EBITDA | 3.5 |
EPS(TTM)0.75
EY8.95%
EPS(NY)1.17
Fwd EY13.95%
FCF(TTM)1.68
FCFY19.99%
OCF(TTM)1.85
OCFY22.02%
SpS15.75
BVpS9.66
TBVpS8.8
PEG (NY)0.82
PEG (5Y)N/A
Profitability
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| ROA | 0.34% | ||
| ROE | 8.13% | ||
| ROCE | 2.03% | ||
| ROIC | 1.57% | ||
| ROICexc | 1.59% | ||
| ROICexgc | 1.93% | ||
| OM | 25.72% | ||
| PM (TTM) | 4.99% | ||
| GM | N/A | ||
| FCFM | 10.64% |
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-Score7
Asset Turnover0.07
Health
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Debt/Equity | 1.05 | ||
| Debt/FCF | 6.03 | ||
| Debt/EBITDA | 2.32 | ||
| Cap/Depr | 56% | ||
| Cap/Sales | 1.08% | ||
| Interest Coverage | 2.02 | ||
| Cash Conversion | 42.37% | ||
| Profit Quality | 213.24% | ||
| Current Ratio | 0.09 | ||
| Quick Ratio | 0.09 | ||
| Altman-Z | 0 |
F-Score7
WACC12.33%
ROIC/WACC0.13
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)-28.22%
EPS 3Y-6.53%
EPS 5YN/A
EPS Q2Q%-73.63%
EPS Next Y13.68%
EPS Next 2Y11.94%
EPS Next 3YN/A
EPS Next 5YN/A
Revenue 1Y (TTM)11.02%
Revenue growth 3Y-6.24%
Revenue growth 5Y223.86%
Sales Q2Q%-9.99%
Revenue Next YearN/A
Revenue Next 2YN/A
Revenue Next 3YN/A
Revenue Next 5YN/A
EBIT growth 1Y-8.67%
EBIT growth 3YN/A
EBIT growth 5YN/A
EBIT Next YearN/A
EBIT Next 3YN/A
EBIT Next 5YN/A
FCF growth 1Y25.87%
FCF growth 3Y21.51%
FCF growth 5YN/A
OCF growth 1Y18.84%
OCF growth 3Y19.7%
OCF growth 5YN/A