SAGICOR FINANCIAL CO LTD (SFC.CA) Stock Fundamental Analysis

TSX:SFC • BM78669Q1007

9.65 CAD
+0.11 (+1.15%)
Last: Feb 26, 2026, 07:00 PM
Overview Stock Chart Technical Analysis Fundamental Analysis Analyst Ratings Earnings Estimates Financials Ownership News
Fundamental Rating

5

Overall SFC gets a fundamental rating of 5 out of 10. We evaluated SFC against 79 industry peers in the Insurance industry. SFC has an average financial health and profitability rating. A decent growth rate in combination with a cheap valuation! Better keep an eye on SFC.


Dividend Valuation Growth Profitability Health

4

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.
  • The reported operating cash flow has been mixed in the past 5 years: SFC reported negative operating cash flow in multiple years.
SFC.CA Yearly Net Income VS EBIT VS OCF VS FCFSFC.CA Yearly Net Income VS EBIT VS OCF VS FCFYearly Net Income VS EBIT VS OCF VS FCF 2018 2019 2020 2021 2022 2023 2024 0 200M 400M

1.2 Ratios

  • SFC's Return On Assets of 0.54% is fine compared to the rest of the industry. SFC outperforms 63.29% of its industry peers.
  • With a decent Return On Equity value of 12.75%, SFC is doing good in the industry, outperforming 73.42% of the companies in the same industry.
  • SFC's Return On Invested Capital of 1.77% is fine compared to the rest of the industry. SFC outperforms 74.68% 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 3.06%.
  • The last Return On Invested Capital (1.77%) for SFC is above the 3 year average (1.18%), which is a sign of increasing profitability.
Industry RankSector 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
SFC.CA Yearly ROA, ROE, ROICSFC.CA Yearly ROA, ROE, ROICYearly ROA, ROE, ROIC 2018 2019 2020 2021 2022 2023 2024 0 10 20 30 40 50

1.3 Margins

  • SFC's Profit Margin of 8.21% is on the low side compared to the rest of the industry. SFC is outperformed by 78.48% of its industry peers.
  • 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 93.67% of the companies in the same industry.
Industry RankSector 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
SFC.CA Yearly Profit, Operating, Gross MarginsSFC.CA Yearly Profit, Operating, Gross MarginsYearly Profit, Operating, Gross Margins 2018 2019 2020 2021 2022 2023 2024 0 -200 -400 -600 -800

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ROAROEROICOperating and Profit MarginShow most profitable peers

4

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.
SFC.CA Yearly Shares OutstandingSFC.CA Yearly Shares OutstandingYearly Shares Outstanding 2018 2019 2020 2021 2022 2023 2024 50M 100M
SFC.CA Yearly Total Debt VS Total AssetsSFC.CA Yearly Total Debt VS Total AssetsYearly Total Debt VS Total Assets 2018 2019 2020 2021 2022 2023 2024 5B 10B 15B 20B

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.
  • With an excellent Altman-Z score value of 0.01, SFC belongs to the best of the industry, outperforming 94.94% of the companies in the same industry.
  • The Debt to FCF ratio of SFC is 2.81, which is a good value as it means it would take SFC, 2.81 years of fcf income to pay off all of its debts.
  • SFC has a Debt to FCF ratio of 2.81. This is comparable to the rest of the industry: SFC outperforms 51.90% of its industry peers.
  • A Debt/Equity ratio of 0.99 indicates that 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 81.01% of its industry peers.
Industry RankSector Rank
Debt/Equity 0.99
Debt/FCF 2.81
Altman-Z 0.01
ROIC/WACC0.15
WACC11.92%
SFC.CA Yearly LT Debt VS Equity VS FCFSFC.CA Yearly LT Debt VS Equity VS FCFYearly LT Debt VS Equity VS FCF 2018 2019 2020 2021 2022 2023 2024 0 200M 400M 600M 800M 1B

2.3 Liquidity

  • SFC has a Current 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.
  • SFC has a Current ratio of 0.08. This is in the better half of the industry: SFC outperforms 63.29% of its industry peers.
  • 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.
  • SFC has a Quick ratio of 0.08. This is in the better half of the industry: SFC outperforms 63.29% of its industry peers.
Industry RankSector Rank
Current Ratio 0.08
Quick Ratio 0.08
SFC.CA Yearly Current Assets VS Current LiabilitesSFC.CA Yearly Current Assets VS Current LiabilitesYearly Current Assets VS Current Liabilites 2018 2019 2020 2021 2022 2023 2024 1B 2B 3B 4B

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WACCDebt/EquityHow to determine the health of a companyAltman-Z scoreShow peers with great health

5

3. Growth

3.1 Past

  • SFC shows a strong growth in Earnings Per Share. In the last year, the EPS has been growing by 68.13%, which is quite impressive.
  • 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 decreased by -3.18% in the past year.
  • The Revenue has been growing by 223.86% on average over the past years. This is a very strong growth!
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

  • The Earnings Per Share is expected to grow by 16.28% on average over the next years. This is quite good.
  • No Revenue estimates are available, so we could not analyze the future revenue growth and evolution.
EPS Next Y24.58%
EPS Next 2Y19.32%
EPS Next 3Y16.28%
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.
SFC.CA Yearly Revenue VS EstimatesSFC.CA Yearly Revenue VS EstimatesYearly Revenue VS Estimates 2018 2019 2020 2021 2022 2023 2024 1B 2B 3B
SFC.CA Yearly EPS VS EstimatesSFC.CA Yearly EPS VS EstimatesYearly EPS VS Estimates 2021 2022 2023 2024 2025 2026 2027 0.2 0.4 0.6 0.8 1

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Find the best growth stocksShow best growing peers

7

4. Valuation

4.1 Price/Earnings Ratio

  • Based on the Price/Earnings ratio of 7.37, the valuation of SFC can be described as very cheap.
  • Based on the Price/Earnings ratio, SFC is valued a bit more expensive than 63.29% of the companies in the same industry.
  • The average S&P500 Price/Earnings ratio is at 27.21. SFC is valued rather cheaply when compared to this.
  • SFC is valuated cheaply with a Price/Forward Earnings ratio of 7.27.
  • SFC's Price/Forward Earnings ratio is in line with the industry average.
  • SFC is valuated cheaply when we compare the Price/Forward Earnings ratio to 28.13, which is the current average of the S&P500 Index.
Industry RankSector Rank
PE 7.37
Fwd PE 7.27
SFC.CA Price Earnings VS Forward Price EarningsSFC.CA Price Earnings VS Forward Price Earnings ChartPrice Earnings - Forward Price Earnings PE FPE 5 10 15 20 25

4.2 Price Multiples

  • Based on the Enterprise Value to EBITDA ratio, SFC is valued cheaply inside the industry as 81.01% of the companies are valued more expensively.
  • Based on the Price/Free Cash Flow ratio, SFC is valued a bit cheaper than the industry average as 70.89% of the companies are valued more expensively.
Industry RankSector Rank
P/FCF 2.59
EV/EBITDA 2.87
SFC.CA Per share dataSFC.CA EPS, Sales, OCF, FCF, BookValue per sharePer Share Data Per Share 5 10 15

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.
  • A more expensive valuation may be justified as SFC's earnings are expected to grow with 16.28% in the coming years.
PEG (NY)0.3
PEG (5Y)N/A
EPS Next 2Y19.32%
EPS Next 3Y16.28%

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Price/EarningsPrice/FCFFCF per shareEV/EBITDAPEG RATIOShow best valued peers

4

5. Dividend

5.1 Amount

  • SFC has a Yearly Dividend Yield of 3.47%.
  • Compared to an average industry Dividend Yield of 4.24, SFC's dividend is way lower than its industry peers. On top of this 82.28% of the companies listed in the same industry pay a better dividend than SFC!
  • SFC's Dividend Yield is rather good when compared to the S&P500 average which is at 1.80.
Industry RankSector Rank
Dividend Yield 3.47%

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
SFC.CA Yearly Dividends per shareSFC.CA Yearly Dividends per shareYearly Dividends per share 2020 2021 2022 2023 2024 2025 0.05 0.1 0.15 0.2 0.25

5.3 Sustainability

  • 24.17% of the earnings are spent on dividend by SFC. This is a low number and sustainable payout ratio.
DP24.17%
EPS Next 2Y19.32%
EPS Next 3Y16.28%
SFC.CA Yearly Income VS Free CF VS DividendSFC.CA Yearly Income VS Free CF VS DividendYearly Income VS Free CF VS Dividend 2018 2019 2020 2021 2022 2023 2024 0 200M 400M
SFC.CA Dividend Payout.SFC.CA Dividend Payout, showing the Payout Ratio.SFC.CA Dividend Payout.PayoutRetained Earnings

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SAGICOR FINANCIAL CO LTD

TSX:SFC (2/26/2026, 7:00:00 PM)

9.65

+0.11 (+1.15%)

Chartmill FA Rating
GICS SectorFinancials
GICS IndustryGroupInsurance
GICS IndustryInsurance
Earnings (Last)11-13
Earnings (Next)03-11
Inst Owners0.72%
Inst Owner ChangeN/A
Ins Owners12.15%
Ins Owner ChangeN/A
Market Cap1.31B
Revenue(TTM)1.63B
Net Income(TTM)133.74M
Analysts80
Price Target11.92 (23.52%)
Short Float %N/A
Short RatioN/A
Dividend
Industry RankSector Rank
Dividend Yield 3.47%
Yearly Dividend0.3
Dividend Growth(5Y)N/A
DP24.17%
Div Incr Years1
Div Non Decr Years4
Ex-DateN/A
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)4.47%
PT rev (3m)10%
EPS NQ rev (1m)0%
EPS NQ rev (3m)0%
EPS NY rev (1m)0%
EPS NY rev (3m)51.35%
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 RankSector Rank
PE 7.37
Fwd PE 7.27
P/S 0.59
P/FCF 2.59
P/OCF 2.49
P/B 0.91
P/tB 0.99
EV/EBITDA 2.87
EPS(TTM)1.31
EY13.58%
EPS(NY)1.33
Fwd EY13.76%
FCF(TTM)3.72
FCFY38.54%
OCF(TTM)3.87
OCFY40.09%
SpS16.48
BVpS10.61
TBVpS9.77
PEG (NY)0.3
PEG (5Y)N/A
Graham Number17.68
Profitability
Industry RankSector 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 RankSector 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
WACC11.92%
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 Y24.58%
EPS Next 2Y19.32%
EPS Next 3Y16.28%
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 5 / 10 to SFC.CA.


Can you provide the valuation status for SAGICOR FINANCIAL CO LTD?

ChartMill assigns a valuation rating of 7 / 10 to SAGICOR FINANCIAL CO LTD (SFC.CA). This can be considered as Undervalued.


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 7.37 and the Price/Book (PB) ratio is 0.91.


What is the financial health of SAGICOR FINANCIAL CO LTD (SFC.CA) stock?

The financial health rating of SAGICOR FINANCIAL CO LTD (SFC.CA) is 4 / 10.