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Last update at 2025-01-14T19:42:00Z
Is It Smart To Buy Sagicor Financial Company Ltd. (TSE:SFC) Before It Goes Ex-Dividend?
Fri 17 Nov 23, 10:05 AMSagicor Financial Company Ltd. Reports Third Quarter 2023 Results
Mon 13 Nov 23, 12:00 PMSagicor Financial Company Ltd. Completes Acquisition of ivari
Tue 03 Oct 23, 08:51 PMSagicor Financial Company Ltd. Receives Regulatory Approvals to Acquire ivari
Tue 26 Sep 23, 11:00 AMBe Sure To Check Out Sagicor Financial Company Ltd. (TSE:SFC) Before It Goes Ex-Dividend
Thu 17 Aug 23, 10:03 AMSagicor Financial Company Ltd. Reports Second Quarter 2023 Results
Mon 14 Aug 23, 11:00 AM| Breakdown | 2023-12-31 | 2022-12-31 | 2021-12-31 | 2020-12-31 | 2019-12-31 |
|---|---|---|---|---|---|
| Type | yearly | yearly | yearly | yearly | yearly |
| Date | 2023-12-31 | 2022-12-31 | 2021-12-31 | 2020-12-31 | 2019-12-31 |
| Income before tax | 673.43M | 262.90M | 264.73M | 27.60M | 163.28M |
| Minority interest | -52.17200M | -53.87100M | -63.91900M | 546.82M | 594.51M |
| Net income | 532.06M | 169.60M | 196.48M | -15.13000M | 103.57M |
| Selling general administrative | 295.81M | 392.91M | 349.79M | 340.57M | 376.63M |
| Selling and marketing expenses | - | - | - | - | - |
| Gross profit | 1758.12M | 2546.37M | 2355.35M | 1905.35M | 1872.20M |
| Reconciled depreciation | 54.94M | 30.95M | 32.70M | 39.56M | 35.51M |
| Ebit | 618.62M | 309.37M | 84.45M | -56.62600M | -31.89400M |
| Ebitda | 673.55M | 340.32M | 117.15M | -17.06700M | 3.61M |
| Depreciation and amortization | 54.94M | 30.95M | 32.70M | 39.56M | 35.51M |
| Non operating income net other | - | - | - | - | - |
| Operating income | 618.62M | 309.37M | 84.45M | -56.62600M | -31.89400M |
| Other operating expenses | 1084.68M | 2283.46M | 2090.62M | 1877.75M | 1708.92M |
| Interest expense | 105.64M | 100.34M | 86.01M | 86.17M | 95.86M |
| Tax provision | 89.20M | 93.30M | 68.26M | 42.73M | 59.71M |
| Interest income | 122.48M | 432.74M | 337.41M | 314.76M | 84.12M |
| Net interest income | -155.16600M | -100.33700M | -86.00900M | -86.17400M | -95.79700M |
| Extraordinary items | - | - | - | 0.00000M | 0.52M |
| Non recurring | - | - | - | - | - |
| Other items | - | - | - | - | - |
| Income tax expense | 89.20M | 93.30M | 68.26M | 42.73M | 59.71M |
| Total revenue | 1758.12M | 2546.37M | 2355.35M | 1905.35M | 1872.20M |
| Total operating expenses | -1139.49800M | -2236.99600M | -2270.90200M | -1961.97700M | -1904.09700M |
| Cost of revenue | - | - | - | - | - |
| Total other income expense net | 2.65M | -46.46600M | 180.28M | 84.23M | 195.18M |
| Discontinued operations | - | - | - | - | 0.52M |
| Net income from continuing ops | 584.23M | 169.60M | 196.48M | -15.13000M | 103.57M |
| Net income applicable to common shares | - | 115.56M | 133.18M | -3.60500M | 44.50M |
| Preferred stock and other adjustments | - | - | - | - | - |
| Breakdown | 2023-12-31 | 2022-12-31 | 2021-12-31 | 2020-12-31 | 2019-12-31 |
|---|---|---|---|---|---|
| Type | yearly | yearly | yearly | yearly | yearly |
| Date | 2023-12-31 | 2022-12-31 | 2021-12-31 | 2020-12-31 | 2019-12-31 |
| Total assets | 22384.89M | 10765.87M | 10377.93M | 9266.31M | 8728.87M |
| Intangible assets | 48.13M | 30.34M | 32.10M | 37.48M | 43.54M |
| Earning assets | - | - | - | - | - |
| Other current assets | - | 625.09M | 710.79M | 796.50M | 1415.99M |
| Total liab | 21055.87M | 9263.02M | 8711.72M | 7608.10M | 6979.09M |
| Total stockholder equity | 970.93M | 1084.42M | 1134.55M | 1111.39M | 1155.27M |
| Deferred long term liab | - | - | - | - | - |
| Other current liab | -321.45900M | -319.92700M | -301.47600M | -256.45000M | -261.85100M |
| Common stock | 1.41M | 1.43M | 1.43M | 1.46M | 1.48M |
| Capital stock | 1.41M | 1.43M | 1.43M | 1.46M | 1.48M |
| Retained earnings | 317.91M | 537.88M | 455.90M | 369.69M | 399.58M |
| Other liab | - | 6879.97M | 6386.73M | 5631.50M | 5006.37M |
| Good will | 45.02M | 74.97M | 57.00M | 58.39M | 63.33M |
| Other assets | 21209.05M | 9910.46M | 9499.60M | 8291.18M | 7742.15M |
| Cash | 486.64M | 368.14M | 359.98M | 359.97M | 273.07M |
| Cash and equivalents | - | - | - | - | - |
| Total current liabilities | 321.46M | 319.93M | 301.48M | 256.45M | 261.85M |
| Current deferred revenue | - | - | - | - | - |
| Net debt | 497.01M | 727.74M | 806.79M | 500.80M | 287.01M |
| Short term debt | 27.68M | 9.13M | 9.02M | 9.54M | 31.25M |
| Short long term debt | 18.26M | 1.74M | 0.76M | 0.98M | 23.50M |
| Short long term debt total | 983.65M | 1095.88M | 1166.77M | 860.77M | 560.08M |
| Other stockholder equity | 725.03M | 735.10M | 737.70M | 755.10M | 763.24M |
| Property plant equipment | - | 178.85M | 266.78M | 266.57M | 289.87M |
| Total current assets | 819.31M | 510.30M | 467.18M | 446.90M | 359.43M |
| Long term investments | 17092.93M | 60.94M | 55.26M | 6792.63M | 6311.32M |
| Net tangible assets | - | - | 1045.45M | 1015.51M | 1048.41M |
| Short term investments | 16422.73M | 8424.04M | 7965.71M | 6705.13M | 6176.34M |
| Net receivables | 332.67M | 142.17M | 107.21M | 86.93M | 86.36M |
| Long term debt | 927.41M | 1060.85M | 683.39M | 471.62M | 517.73M |
| Inventory | - | - | - | - | - |
| Accounts payable | 293.78M | 310.80M | 292.45M | 246.91M | 230.60M |
| Total permanent equity | - | - | - | - | - |
| Noncontrolling interest in consolidated entity | - | - | - | - | - |
| Temporary equity redeemable noncontrolling interests | - | - | - | - | - |
| Accumulated other comprehensive income | -73.41700M | -189.98200M | -60.47200M | -14.86800M | -9.02300M |
| Additional paid in capital | - | - | - | - | - |
| Common stock total equity | - | - | - | 1.46M | 1.48M |
| Preferred stock total equity | - | - | - | - | - |
| Retained earnings total equity | - | - | - | - | - |
| Treasury stock | - | - | - | - | - |
| Accumulated amortization | - | - | - | - | - |
| Non currrent assets other | -356.51800M | -345.10700M | -411.14300M | -528.23200M | -627.29200M |
| Deferred long term asset charges | - | - | - | - | - |
| Non current assets total | 356.52M | 345.11M | 411.14M | 528.23M | 627.29M |
| Capital lease obligations | 37.99M | 33.29M | 32.84M | 39.61M | 35.70M |
| Long term debt total | - | 665.83M | 634.83M | 487.33M | 545.68M |
| Breakdown | 2023-12-31 | 2022-12-31 | 2021-12-31 | 2020-12-31 | 2019-12-31 |
|---|---|---|---|---|---|
| Type | yearly | yearly | yearly | yearly | yearly |
| Date | 2023-12-31 | 2022-12-31 | 2021-12-31 | 2020-12-31 | 2019-12-31 |
| Investments | 6.52M | -26.62000M | 50.07M | -5.95100M | -44.37000M |
| Change to liabilities | - | 0.00000M | 0.00000M | 0.00000M | 0.00000M |
| Total cashflows from investing activities | - | -26.62000M | 36.16M | -24.39600M | -44.37000M |
| Net borrowings | - | - | 213.68M | -46.96600M | 27.47M |
| Total cash from financing activities | 239.53M | -65.26600M | 140.47M | -98.85000M | 443.86M |
| Change to operating activities | - | - | -769.07000M | -702.82200M | -464.18500M |
| Net income | 532.06M | 262.90M | 264.73M | 27.60M | 163.28M |
| Change in cash | 208.63M | -244.05400M | 289.58M | -228.13600M | 453.78M |
| Begin period cash flow | 592.74M | 836.79M | 547.21M | 775.34M | 321.56M |
| End period cash flow | 801.37M | 592.74M | 836.79M | 547.21M | 775.34M |
| Total cash from operating activities | -39.60700M | -154.50300M | 124.88M | -99.10800M | 41.48M |
| Issuance of capital stock | - | - | 0.00100M | 0.00000M | 474.91M |
| Depreciation | 54.94M | 30.95M | 32.70M | 39.56M | 35.51M |
| Other cashflows from investing activities | - | -4.63300M | 1.06M | 0.71M | 0.64M |
| Dividends paid | 31.99M | 32.15M | 32.55M | 33.28M | 15.00M |
| Change to inventory | - | - | - | - | - |
| Change to account receivables | 3.41M | -0.71900M | - | - | - |
| Sale purchase of stock | -9.20300M | -6.00700M | -19.97900M | -13.31300M | -20.41700M |
| Other cashflows from financing activities | -19.11200M | 52.24M | 531.62M | -5.29100M | 8.59M |
| Change to netincome | - | - | 728.08M | 570.76M | 443.41M |
| Capital expenditures | 27.43M | 21.80M | 14.95M | 18.83M | 12.23M |
| Change receivables | - | - | - | - | - |
| Cash flows other operating | - | - | - | - | - |
| Exchange rate changes | - | - | - | - | - |
| Cash and cash equivalents changes | - | - | - | - | - |
| Change in working capital | -432.50800M | -1407.32700M | -769.07000M | -702.82200M | -464.18500M |
| Stock based compensation | 8.46M | 6.95M | 7.49M | 9.38M | 15.14M |
| Other non cash items | -10.19700M | 958.97M | 596.52M | 536.55M | 306.87M |
| Free cash flow | -67.03700M | -176.30200M | 109.93M | -117.94100M | 29.24M |
Sector: Financial Services Industry: Insurance - Life
| Company | Change (CAD) | Price (CAD) | Trailing PE (x) | Forward PE (x) | Price Sales TTM (x) | Price to Book Value (x) | Enterprise Value to Revenue (x) | Enterprise Value to EBITDA (x) |
|---|---|---|---|---|---|---|---|---|
| SFC Alignvest Acquisition II Corp |
- -% | 6.32 | 1.36 | 6.17 | 0.46 | 0.69 | 1.02 | -426.5651 |
| MFC Manulife Financial Corp |
0.28 0.66% | 42.81 | 15.69 | 10.98 | 2.58 | 1.78 | 1.53 | |
| GWO Great-West Lifeco Inc. |
-0.46 1.00% | 45.54 | 12.54 | 10.60 | 1.36 | 1.78 | 1.44 | |
| POW Power Corporation Of Canada |
-0.29 0.69% | 41.99 | 10.61 | 9.17 | 0.86 | 2.41 | 1.30 | |
| ELF E-L Financial Corp Ltd |
-29.99 2.39% | 1225.01 | 4.56 | - | 1.64 | 0.70 | 1.97 |
Sagicor Financial Company Ltd., together with its subsidiaries, provides insurance products and related financial services in Jamaica, Barbados, Trinidad, Tobago, other Caribbean region, and the United States. It operates through three segments: Sagicor Jamaica, Sagicor Life, and Sagicor Life USA. The company offers life and health insurance products; employee benefits, including group health and group life benefits; and annuities, asset management, and property and casualty insurance. It also provides banking products and services, such as deposits, savings products, secured loans, mortgage, debit and credit cards, and remittance services. In addition, the company offers pension administration services; and commercial banking services, including lending, accepting deposits, and foreign exchange sales and purchases, as well as payments solutions, inclusive of point-of-sale devices, payment gateway services, and corporate secretarial services. Sagicor Financial Company Ltd. was founded in 1840 and is headquartered in St Michael, Barbados.
Cecil F De Caires Building, St Michael, Barbados
| Name | Title | Year Born |
|---|---|---|
| Dr. Dodridge Denton Miller FCCA, Hon. LLD, L.L.M., LLM, M.B.A. | Group Pres, CEO & Director | 1958 |
| Mr. Andre Mousseau | Group COO & CFO | NA |
| Mr. Christopher W. Zacca B.Sc., CD, J.P., JP, M.B.A. | Pres & CEO of Sagicor Group Jamaica Limited | 1960 |
| Mr. Nari T. Persad B.Sc., F.S.A. | Group Chief Actuary | NA |
| Mr. Ronald B. Blitstein B.A., M.B.A., BA, MBA | Exec. VP & Group Chief Information Officer | 1956 |
| Ms. Althea C. Hazzard FCIS, L.L.B., L.L.M., LLM (Cantab), MICA | Exec. VP, Gen. Counsel & Corp. Sec. | 1964 |
| Ms. Ingrid Card B.Sc., B.Sc. (Hons), M.B.A., MBA | VP of Group Marketing, Corp. Communications & Brand Experience | NA |
| Mr. George Sipsis C.F.A. | Sr. VP of Corp. Devel. & Capital Markets | NA |
| Mr. J. Andrew Gallagher CERA, F.S.A., FCIA, FSA | CEO & Chief Risk Officer of Sagicor Reinsurance Bermuda Limited | 1962 |
| Mr. Roger Paul Inniss CRM, M.B.A. | Exec. VP & GM of Sagicor Life Inc, Barbados Operations | NA |
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