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Home CompaniesSagicor Financial Company

Sagicor Financial Company

Financial Services Insurance - Life
PortfolioPortfolio WatchlistWatchlist
Company price
8.31 CAD -0.14 ( 1.66%)
Last update at 2026-11-04T20:47:00Z
VOLUME
41717
Market Cap
1323.47M
P/E
14.73

Momentum Score

…

Sagicor Financial Company Ltd., together with its subsidiaries, provides various financial services to individuals and corporations in Canada, the United States, Jamaica, and the rest of the Caribbean. It operates through Sagicor Canada, Sagicor Life USA, Sagicor Jamaica, Sagicor Life, and Head Office and Other segments. The company offers life, health, general, property, casualty, accident, and sickness insurance; annuities and pension administration; investment, asset, and pension fund management; insurance brokerage; captive insurance management; investment, retail, and commercial banking; and microfinance. It also provides real estate investment, development, and management; cambo and remittance services; loan and lease financing; deposit-taking; farming; mutual fund holding; reinsurance; corporate management; and retirement community services. The company distributes its products and services through insurance advisors, agents, and brokers. Sagicor Financial Company Ltd. was founded in 1840 and is headquartered in St Michael, Barbados.

Source: TradingView
The charts and visual representations are sourced from TradingView through embedded widgets. For any issues with chart display, please visit the TradingView website

Day Price Range
8.31
Low
8.59
High
52 Week Price Range
6.97
Low
10.42
High

Momentum Score

…
Loading momentum score…

A unique technical analysis driven score developed by Kalkine showing momentum in stock prices based on select technical indicators identified.

Score - Rating
>= 1 - Low / > 1 but < 2 - Below Average / > 2 but < 3 - Average / > 3 but < 4 - Above Average / > 4 - High
AI Summary

Sagicor Financial Company Ltd is a Caribbean-focused financial services group on the Toronto Stock Exchange offering life insurance, annuities, pensions, banking and asset management across the region and abroad. Growth may be supported by rising insurance penetration, product diversification and better investment margins if interest rates remain favorable. Investors may view the company as attractive for its regional distribution and diversified revenue base.
Principal risks are concentration to Caribbean economies and currencies, natural-catastrophe exposure, regulatory variability and sensitivity of profits to underwriting and investment performance.

Risk Score
Medium

Note: The summary and risk score provided above is created by AI and should not be construed as a recommendation of Kalkine.

Key Metrics*

Previous Close
8.45
Dividend Yield
2.75%
Revenue TTM
1436.05M
Revenue Per Share
10.59
Gross Profit TTM
750.12M
Debt / Equity
1.68
ROE
8.71%
Net Debt
1284.50M
ROCE
1.81%
Diluted EPS TTM
0.66

Key Financials*

Income Statement

Balance Sheet

Change in Cash

Total Operating Cash

Dividends Paid

Breakdown 2025-12-31 2024-12-31 2023-12-31 2022-12-31 2021-12-31
Type yearly yearly yearly yearly yearly
Date 2025-12-31 2024-12-31 2023-12-31 2022-12-31 2021-12-31
Income before tax 187.19M 190.12M 673.43M 262.90M 264.73M
Minority interest -53.12M -30.87M -52.17M -53.87M -63.92M
Net income 68.11M 97.47M 532.06M 169.60M 196.48M
Selling general administrative 331.80M 298.43M 295.81M 392.91M 349.79M
Gross profit 3064.65M 742.59M 1758.12M 2546.37M 2355.35M
Reconciled depreciation 28.59M 29.59M 54.94M 30.95M 32.70M
Ebit 398.64M 332.02M 618.62M 309.37M 84.45M
Ebitda 427.73M 361.61M 673.55M 340.32M 117.15M
Depreciation and amortization 29.09M 29.59M 54.94M 30.95M 32.70M
Operating income 187.19M 190.12M 618.62M 309.37M 84.45M
Other operating expenses 2877.46M 281.93M 1084.68M 2283.46M 2090.62M
Interest expense 211.45M 141.91M 105.64M 100.34M 86.01M
Tax provision 63.91M 61.78M 89.20M 93.30M 68.26M
Interest income 336.60M 393.26M 122.48M 432.74M 337.41M
Net interest income -207.81M -232.59M -155.17M -100.34M -86.01M
Income tax expense 65.03M 61.78M 89.20M 93.30M 68.26M
Total revenue 3064.65M 1499.01M 1758.12M 2546.37M 2355.35M
Total operating expenses 2877.46M 281.93M -1139.50M -2237.00M -2270.90M
Cost of revenue - 756.41M - - -
Total other income expense net 2.09M -1565.81M 2.65M -46.47M 180.28M
Net income from continuing ops 120.05M 128.34M 584.23M 169.60M 196.48M
Net income applicable to common shares - 97.47M - 115.56M 133.18M
Breakdown 2025-12-31 2024-12-31 2023-12-31 2022-12-31 2021-12-31
Type yearly yearly yearly yearly yearly
Date 2025-12-31 2024-12-31 2023-12-31 2022-12-31 2021-12-31
Total assets 25088.11M 22767.94M 22384.89M 10765.87M 10377.93M
Intangible assets 38.23M 43.31M 48.13M 30.34M 32.10M
Other current assets - - - 625.09M 710.79M
Total liab 23655.63M 21445.48M 21055.87M 9263.02M 8711.72M
Total stockholder equity 1034.70M 959.69M 970.93M 1084.42M 1134.55M
Other current liab -1012.41M - -321.46M -319.93M -301.48M
Common stock 1.35M - 1.41M 1.43M 1.43M
Capital stock 1.35M 1.35M 1.41M 1.43M 1.43M
Retained earnings 436.93M 418.44M 317.91M 537.88M 455.90M
Other liab - - - 6879.97M 6386.73M
Good will 44.17M 44.76M 45.02M 74.97M 57.00M
Other assets - - 21209.05M 9910.46M 9499.60M
Cash 451.45M 442.49M 486.64M 368.14M 359.98M
Total current liabilities - - 321.46M 319.93M 301.48M
Net debt 1284.50M 512.65M 497.01M 727.74M 806.79M
Short term debt 726.32M - 27.68M 9.13M 9.02M
Short long term debt 72.33M 41.56M 18.26M 1.74M 0.76M
Short long term debt total 1735.95M - 983.65M 1095.88M 1166.77M
Other stockholder equity 699.06M - 725.03M 735.10M 737.70M
Property plant equipment - - - 178.85M 266.78M
Total current assets 3500.27M - 819.31M 510.30M 467.18M
Long term investments 19329.85M 17842.78M 17092.93M 60.94M 55.26M
Net tangible assets - - - - 1045.45M
Short term investments - 551.57M 16422.73M 8424.04M 7965.71M
Net receivables 3048.81M - 332.67M 142.17M 107.21M
Long term debt 926.61M 913.58M 927.41M 1060.85M 683.39M
Accounts payable 286.09M - 293.78M 310.80M 292.45M
Accumulated other comprehensive income -102.64M - -73.42M -189.98M -60.47M
Non currrent assets other 525.50M - -356.52M -345.11M -411.14M
Non current assets total 21587.84M - 356.52M 345.11M 411.14M
Capital lease obligations 62.77M 34.94M 37.99M 33.29M 32.84M
Long term debt total - - - 665.83M 634.83M
Breakdown 2025-12-31 2024-12-31 2023-12-31 2022-12-31 2021-12-31
Type yearly yearly yearly yearly yearly
Date 2025-12-31 2024-12-31 2023-12-31 2022-12-31 2021-12-31
Investments - -14.04M 6.52M -26.62M 50.07M
Change to liabilities - - - 0.00M 0.00M
Total cashflows from investing activities -15.70M -14.04M - -26.62M 36.16M
Net borrowings 16.68M -8.07M - - 213.68M
Total cash from financing activities -46.14M -64.25M 239.53M -65.27M 140.47M
Change to operating activities - - - - -769.07M
Net income 68.11M 190.12M 532.06M 262.90M 264.73M
Change in cash -116.90M 126.34M 208.63M -244.05M 289.58M
Begin period cash flow 568.35M 801.37M 592.74M 836.79M 547.21M
End period cash flow 451.45M 927.71M 801.37M 592.74M 836.79M
Total cash from operating activities 1524.28M 214.23M -39.61M -154.50M 124.88M
Issuance of capital stock 0.03M 0.03M - - 0.00M
Depreciation 29.09M 29.59M 54.94M 30.95M 32.70M
Other cashflows from investing activities - -0.86M - -4.63M 1.06M
Dividends paid 37.27M -30.18M 31.99M 32.15M 32.55M
Change to account receivables - - 3.41M -0.72M -
Sale purchase of stock -3.82M -13.38M -9.20M -6.01M -19.98M
Other cashflows from financing activities -29.31M -12.65M -19.11M 52.24M 531.62M
Change to netincome - - - - 728.08M
Capital expenditures 10.61M 17.43M 27.43M 21.80M 14.95M
Change in working capital 618.56M -496.54M -432.51M -1407.33M -769.07M
Stock based compensation - - 8.46M 6.95M 7.49M
Other non cash items 808.53M 491.06M -10.20M 958.97M 596.52M
Free cash flow 1513.67M 196.80M -67.04M -176.30M 109.93M

Peer Comparison*

Sector: Financial Services Industry: Insurance - Life

Stock Name
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
Sagicor Financial Company		 -0.14
1.66%		 8.31 14.73 6.34 0.92 0.94 1.13 -426.57
MFC
Manulife Financial Corp		 1.38
2.20%		 64.18 17.14 11.61 2.82 1.99 1.56 -
GWO
Great-West Lifeco Inc.		 2.17
2.35%		 94.70 16.63 13.07 1.81 2.37 1.84 -
MFC-PK
Manulife Financial Corp Pref K		 0.04
0.15%		 26.04 4.95 - 3.01 - - -
MFC-PJ
Manulife Fin Non Cum Cl 1 11 Prf		 0.09
0.35%		 25.50 4.84 - 2.81 - - -

Profile*

Sagicor Financial Company

Sagicor Financial Company Ltd., together with its subsidiaries, provides various financial services to individuals and corporations in Canada, the United States, Jamaica, and the rest of the Caribbean. It operates through Sagicor Canada, Sagicor Life USA, Sagicor Jamaica, Sagicor Life, and Head Office and Other segments. The company offers life, health, general, property, casualty, accident, and sickness insurance; annuities and pension administration; investment, asset, and pension fund management; insurance brokerage; captive insurance management; investment, retail, and commercial banking; and microfinance. It also provides real estate investment, development, and management; cambo and remittance services; loan and lease financing; deposit-taking; farming; mutual fund holding; reinsurance; corporate management; and retirement community services. The company distributes its products and services through insurance advisors, agents, and brokers. Sagicor Financial Company Ltd. was founded in 1840 and is headquartered in St Michael, Barbados.

Cecil F De Caires Building, St Michael, Barbados

246-467-7500

https://www.sagicor.com

5600

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

Disclaimer - (*)This information, including any data, is sourced from Unicorn Data Services SAS, trading as EOD Historical Data (“EODHD”) on an ‘as is’ basis, using their API. We cannot guarantee the completeness or validity of the information and data provided on this page, as well as via the API. In some cases, the data may include analyst ratings or recommendations sourced through the EODHD API, which are intended solely for general information purposes.
This information does not consider your personal objectives, financial situation, or needs. Kalkine is not liable for any errors or omissions in the information provided or for any actions taken in reliance on it. You should seek advice from a financial adviser, stockbroker or other professional adviser (including taxation and legal advice) as necessary before acting on this information.

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