SAGICOR FINANCIAL CO LTD (SFC.CA) Stock Fundamental Analysis
Canada - Toronto Stock Exchange - TSX:SFC - BM78669Q1007 - Common Stock
8.83 CAD
+0.23 (+2.67%)
SFC gets a fundamental rating of 4 out of 10. The analysis compared the fundamentals against 82 industry peers in the Insurance industry. There are concerns on the financial health of SFC while its profitability can be described as average. 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.
Of the past 5 years SFC 4 years were profitable.
In multiple years SFC reported negative operating cash flow during the last 5 years.
1.2 Ratios
Looking at the Return On Assets, with a value of 0.54%, SFC is in the better half of the industry, outperforming 62.20% of the companies in the same industry.
SFC has a better Return On Equity (12.75%) than 74.39% of its industry peers.
The Return On Invested Capital of SFC (1.77%) is better than 73.17% of its industry peers.
The Average Return On Invested Capital over the past 3 years for SFC is in line with the industry average of 2.47%.
The 3 year average ROIC (1.18%) for SFC is below the current ROIC(1.77%), indicating increased profibility in the last year.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| ROA | 0.54% | ||
| ROE | 12.75% | ||
| ROIC | 1.77% |
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
With a Profit Margin value of 8.21%, SFC is not doing good in the industry: 76.83% of the companies in the same industry are doing better.
In the last couple of years the Profit Margin of SFC has declined.
Looking at the Operating Margin, with a value of 29.45%, SFC belongs to the top of the industry, outperforming 93.90% of the companies in the same industry.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| OM | 29.45% | ||
| PM (TTM) | 8.21% | ||
| 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.
SFC has less shares outstanding than it did 1 year ago.
SFC has more shares outstanding than it did 5 years ago.
SFC has a better debt/assets ratio than last year.
2.2 Solvency
SFC has an Altman-Z score of 0.01. This is a bad value and indicates that SFC is not financially healthy and even has some risk of bankruptcy.
SFC's Altman-Z score of 0.01 is amongst the best of the industry. SFC outperforms 95.12% of its industry peers.
SFC has a debt to FCF ratio of 2.81. This is a good value and a sign of high solvency as SFC would need 2.81 years to pay back of all of its debts.
With a Debt to FCF ratio value of 2.81, SFC perfoms like the industry average, outperforming 46.34% of the companies in the same industry.
SFC has a Debt/Equity ratio of 0.99. This is a neutral value indicating SFC is somewhat dependend on debt financing.
SFC has a Debt to Equity ratio of 0.99. This is amonst the worse of the industry: SFC underperforms 97.56% of its industry peers.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Debt/Equity | 0.99 | ||
| Debt/FCF | 2.81 | ||
| Altman-Z | 0.01 |
ROIC/WACC0.15
WACC12.11%
2.3 Liquidity
A Current Ratio of 0.08 indicates that SFC may have some problems paying its short term obligations.
SFC has a Current ratio (0.08) which is comparable to the rest of the industry.
SFC has a Quick Ratio of 0.08. This is a bad value and indicates that SFC is not financially healthy enough and could expect problems in meeting its short term obligations.
With a Quick ratio value of 0.08, SFC perfoms like the industry average, outperforming 43.90% of the companies in the same industry.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Current Ratio | 0.08 | ||
| Quick Ratio | 0.08 |
3. Growth
3.1 Past
The Earnings Per Share has grown by an impressive 68.13% over the past year.
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.
The Revenue has decreased by -3.18% in the past 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)68.13%
EPS 3Y-6.53%
EPS 5YN/A
EPS Q2Q%41.36%
Revenue 1Y (TTM)-3.18%
Revenue growth 3Y-6.24%
Revenue growth 5Y223.86%
Sales Q2Q%1.91%
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 15.19% on average per year.
No Revenue estimates are available, so we could not analyze the future revenue growth and evolution.
EPS Next Y8.08%
EPS Next 2Y18.09%
EPS Next 3Y15.19%
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 cheaply with a Price/Earnings ratio of 6.69.
Based on the Price/Earnings ratio, SFC is valued a bit more expensive than 69.51% of the companies in the same industry.
SFC is valuated cheaply when we compare the Price/Earnings ratio to 26.59, which is the current average of the S&P500 Index.
Based on the Price/Forward Earnings ratio of 6.72, the valuation of SFC can be described as very cheap.
SFC's Price/Forward Earnings is on the same level as the industry average.
SFC's Price/Forward Earnings ratio indicates a rather cheap valuation when compared to the S&P500 average which is at 23.80.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| PE | 6.69 | ||
| Fwd PE | 6.72 |
4.2 Price Multiples
Based on the Enterprise Value to EBITDA ratio, SFC is valued a bit cheaper than the industry average as 79.27% of the companies are valued more expensively.
The rest of the industry has a similar Price/Free Cash Flow ratio as SFC.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| P/FCF | 2.35 | ||
| EV/EBITDA | 2.74 |
4.3 Compensation for Growth
The low PEG Ratio(NY), which compensates the Price/Earnings for growth, indicates a rather cheap valuation of the company.
SFC's earnings are expected to grow with 15.19% in the coming years. This may justify a more expensive valuation.
PEG (NY)0.83
PEG (5Y)N/A
EPS Next 2Y18.09%
EPS Next 3Y15.19%
5. Dividend
5.1 Amount
With a Yearly Dividend Yield of 3.96%, SFC has a reasonable but not impressive dividend return.
Compared to an average industry Dividend Yield of 4.30, SFC has a dividend in line with its industry peers.
Compared to an average S&P500 Dividend Yield of 2.31, SFC pays a better dividend.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Dividend Yield | 3.96% |
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
SFC pays out 24.17% of its income as dividend. This is a sustainable payout ratio.
DP24.17%
EPS Next 2Y18.09%
EPS Next 3Y15.19%
TSX:SFC (12/10/2025, 7:00:00 PM)
8.83
+0.23 (+2.67%)
Chartmill FA Rating
GICS SectorFinancials
GICS IndustryGroupInsurance
GICS IndustryInsurance
Earnings (Last)
Earnings (Next)
Inst Owners0.72%
Inst Owner ChangeN/A
Ins Owners10.11%
Ins Owner ChangeN/A
Market Cap1.20B
Revenue(TTM)1.63B
Net Income(TTM)133.74M
Analysts80
Price Target11.28 (27.75%)
Short Float %N/A
Short RatioN/A
Dividend
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Dividend Yield | 3.96% |
Yearly Dividend0.3
Dividend Growth(5Y)N/A
DP24.17%
Div Incr Years1
Div Non Decr Years4
Ex-Date
Surprises & Revisions
EPS beat(2)1
Avg EPS beat(2)46.1%
Min EPS beat(2)-127.37%
Max EPS beat(2)219.58%
EPS beat(4)2
Avg EPS beat(4)31.08%
Min EPS beat(4)-127.37%
Max EPS beat(4)219.58%
EPS beat(8)4
Avg EPS beat(8)7.85%
EPS beat(12)5
Avg EPS beat(12)-0.21%
EPS beat(16)9
Avg EPS beat(16)7%
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)4.12%
PT rev (3m)4.12%
EPS NQ rev (1m)0%
EPS NQ rev (3m)-2.94%
EPS NY rev (1m)31.31%
EPS NY rev (3m)5.11%
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 | 6.69 | ||
| Fwd PE | 6.72 | ||
| P/S | 0.53 | ||
| P/FCF | 2.35 | ||
| P/OCF | 2.26 | ||
| P/B | 0.82 | ||
| P/tB | 0.89 | ||
| EV/EBITDA | 2.74 |
EPS(TTM)1.32
EY14.95%
EPS(NY)1.31
Fwd EY14.89%
FCF(TTM)3.76
FCFY42.57%
OCF(TTM)3.91
OCFY44.28%
SpS16.65
BVpS10.72
TBVpS9.87
PEG (NY)0.83
PEG (5Y)N/A
Graham Number17.84
Profitability
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| ROA | 0.54% | ||
| ROE | 12.75% | ||
| ROCE | 2.29% | ||
| ROIC | 1.77% | ||
| ROICexc | 1.81% | ||
| ROICexgc | 2.18% | ||
| OM | 29.45% | ||
| PM (TTM) | 8.21% | ||
| GM | N/A | ||
| FCFM | 22.57% |
ROA(3y)1.3%
ROA(5y)1.03%
ROE(3y)30.61%
ROE(5y)20.65%
ROIC(3y)1.18%
ROIC(5y)N/A
ROICexc(3y)1.22%
ROICexc(5y)N/A
ROICexgc(3y)1.51%
ROICexgc(5y)N/A
ROCE(3y)1.54%
ROCE(5y)N/A
ROICexgc growth 3YN/A
ROICexgc 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-Score5
Asset Turnover0.07
Health
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Debt/Equity | 0.99 | ||
| Debt/FCF | 2.81 | ||
| Debt/EBITDA | 2.03 | ||
| Cap/Depr | 51.37% | ||
| Cap/Sales | 0.9% | ||
| Interest Coverage | 2.42 | ||
| Cash Conversion | 75.23% | ||
| Profit Quality | 275.08% | ||
| Current Ratio | 0.08 | ||
| Quick Ratio | 0.08 | ||
| Altman-Z | 0.01 |
F-Score5
WACC12.11%
ROIC/WACC0.15
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)68.13%
EPS 3Y-6.53%
EPS 5YN/A
EPS Q2Q%41.36%
EPS Next Y8.08%
EPS Next 2Y18.09%
EPS Next 3Y15.19%
EPS Next 5YN/A
Revenue 1Y (TTM)-3.18%
Revenue growth 3Y-6.24%
Revenue growth 5Y223.86%
Sales Q2Q%1.91%
Revenue Next YearN/A
Revenue Next 2YN/A
Revenue Next 3YN/A
Revenue Next 5YN/A
EBIT growth 1Y7.15%
EBIT growth 3YN/A
EBIT growth 5YN/A
EBIT Next YearN/A
EBIT Next 3YN/A
EBIT Next 5YN/A
FCF growth 1Y107.26%
FCF growth 3Y21.51%
FCF growth 5YN/A
OCF growth 1Y97.95%
OCF growth 3Y19.7%
OCF growth 5YN/A
SAGICOR FINANCIAL CO LTD / SFC.CA FAQ
What is the ChartMill fundamental rating of SAGICOR FINANCIAL CO LTD (SFC.CA) stock?
ChartMill assigns a fundamental rating of 4 / 10 to SFC.CA.
What is the valuation status of SAGICOR FINANCIAL CO LTD (SFC.CA) stock?
ChartMill assigns a valuation rating of 6 / 10 to SAGICOR FINANCIAL CO LTD (SFC.CA). This can be considered as Fairly Valued.
Can you provide the profitability details for SAGICOR FINANCIAL CO LTD?
SAGICOR FINANCIAL CO LTD (SFC.CA) has a profitability rating of 4 / 10.
Can you provide the PE and PB ratios for SFC stock?
The Price/Earnings (PE) ratio for SAGICOR FINANCIAL CO LTD (SFC.CA) is 6.69 and the Price/Book (PB) ratio is 0.82.
Can you provide the dividend sustainability for SFC stock?
The dividend rating of SAGICOR FINANCIAL CO LTD (SFC.CA) is 5 / 10 and the dividend payout ratio is 24.17%.