Sagicor Financial (SFC) AI Stock Analysis

• Market Cap: C$1.15B
• Dividend Yield: 4.45%
• Average Volume (3M): 26.09K
• Price to Earnings (P/E): 7.6
• Beta (1Y): -0.05
• Revenue Growth: 18.36%
• EPS Growth: -75.24%
• Country: CA
• Employees: 5,300
• Sector: Financial
• Sector Strength: 73
• Industry: Insurance - Life
• EPS (TTM): 0.47
• Shares Outstanding: 135,882,280
• 10 Day Avg. Volume: 20,975
• 30 Day Avg. Volume: 26,087
• PEG Ratio: N/A
• Price to Book (P/B): N/A
• Price to Sales (P/S): N/A
• P/FCF Ratio: N/A
• Enterprise Value/Market Cap: N/A
• Enterprise Value/Revenue: N/A
• Enterprise Value/Gross Profit: N/A
• Enterprise Value/Ebitda: N/A
• 1Y Price Target: C$10.30
• Price Target Upside: 21.93% Upside
• Rating Consensus: Strong Buy
• Number of Analyst Covering: 5

• Rating: 76 Outperform
• Price Target: C$9.00 ▲(6.51% Upside)

Sagicor Financial's strong valuation and robust financial performance are the primary drivers of its overall score. The stock's attractive P/E ratio and high dividend yield enhance its investment appeal. Technical indicators support a positive trend, although potential overbought conditions warrant caution. The absence of earnings call and corporate events data did not impact the score.

Sagicor Financial Business Overview & Revenue Model

Company Description

Sagicor Financial Company Ltd. (SFC) is a leading financial services provider in the Caribbean region, with a presence in the United States and Latin America. The company operates across several sectors, including insurance, banking, and asset management. Sagicor offers a wide range of products and services, such as life and health insurance, annuities, pension administration, investment management, and real estate development, designed to meet the diverse financial needs of individuals and businesses.

How the Company Makes Money

Sagicor Financial Company Ltd. generates revenue primarily through the sale of insurance products, including life, health, and annuity policies. Premiums collected from policyholders form a significant portion of its income. Additionally, Sagicor earns money through investment income, which is derived from managing a diversified portfolio of assets, including bonds, equities, and real estate. The company's asset management and banking segments contribute to its earnings by offering financial advisory services, managing pension funds, and providing retail and commercial banking services. Strategic partnerships with local and international financial entities enhance Sagicor's ability to offer comprehensive financial solutions, contributing to its overall profitability.

Sagicor Financial Financial Statement Overview

Summary

Sagicor Financial exhibits strong revenue growth and cash flow generation. Despite some pressure on profitability margins, the company maintains a stable balance sheet with moderate leverage, indicating a solid financial performance.

Income Statement

Sagicor Financial has shown a strong revenue growth rate of 8.99% in the TTM period, indicating a positive trajectory. The gross profit margin is robust at 75.38%, and the net profit margin has improved to 7.55%, reflecting enhanced profitability. However, the EBIT and EBITDA margins have slightly decreased compared to previous years, suggesting some operational challenges.

Balance Sheet

The company's debt-to-equity ratio is 1.06, indicating a moderate level of leverage. Return on equity stands at 11.57%, which is a positive sign of profitability, although it has decreased from previous highs. The equity ratio is stable, suggesting a balanced approach to financing assets.

Cash Flow

Sagicor Financial has demonstrated impressive free cash flow growth of 148.71% in the TTM period, indicating strong cash generation capabilities. The free cash flow to net income ratio is high at 0.96, showing efficient conversion of profits into cash. However, the operating cash flow to net income ratio is not available, which limits a full assessment.

Breakdown	TTM	Dec 2024	Dec 2023	Dec 2022	Dec 2021	Dec 2020
Income Statement
Total Revenue	1.48B	1.50B	1.78B	80.70M	2.36B	1.91B
Gross Profit	1.12B	742.59M	1.76B	277.50M	868.64M	1.91B
EBITDA	379.92M	361.61M	834.01M	-20.17M	383.44M	-17.07M
Net Income	111.71M	97.47M	532.06M	-164.39M	132.56M	-2.25M
Balance Sheet
Total Assets	24.14B	22.77B	22.38B	10.62B	10.31B	9.27B
Cash, Cash Equivalents and Short-Term Investments	376.95M	994.07M	486.64M	368.14M	359.98M	359.97M
Total Debt	1.05B	990.09M	985.81M	667.57M	725.25M	860.77M
Total Liabilities	22.77B	21.45B	21.06B	9.88B	9.22B	7.61B
Stockholders Equity	990.28M	959.69M	970.93M	1.08B	1.13B	1.11B
Cash Flow
Free Cash Flow	413.23M	196.80M	-67.04M	-176.30M	109.93M	-117.94M
Operating Cash Flow	429.13M	214.23M	-39.61M	-154.50M	124.88M	-99.11M
Investing Cash Flow	-11.43M	-14.04M	6.52M	-26.62M	36.16M	-24.40M
Financing Cash Flow	-23.78M	-64.25M	239.53M	-65.27M	140.47M	-98.85M

Sagicor Financial Technical Analysis

• Technical Analysis Sentiment: Positive
• Last Price: 8.45
• 50DMA: Positive
• 100DMA: Positive
• 200DMA: Positive
• MACD: Negative
• RSI: Neutral
• STOCH: Negative

Evaluating momentum and price trends is crucial in stock analysis to make informed investment decisions. For TSE:SFC, the sentiment is Positive. The current price of 8.45 is above the 20-day moving average (MA) of 8.03, above the 50-day MA of 7.95, and above the 200-day MA of 7.42, indicating a bullish trend. The MACD of 0.11 indicates Negative momentum. The RSI at 63.18 is Neutral, neither overbought nor oversold. The STOCH value of 80.94 is Negative, not indicating any strong overbought or oversold conditions. Overall, these indicators collectively point to a Positive sentiment for TSE:SFC.

Sagicor Financial Peers Comparison

Name	Overall Rating	Market Cap	P/E Ratio	ROE	Dividend Yield	Revenue Growth	EPS Growth
SFC	76 Outperform	C$1.15B	7.56	11.83%	4.45%	18.36%	-75.24%
Sector *	68 Neutral	$17.85B	11.54	9.95%	3.76%	9.70%	1.08%
MFC	―	$52.06B	13.65	11.57%	3.97%	―	―
SLF	―	$32.76B	14.43	13.38%	4.19%	―	―
NTIOF	―	$41.93B	14.48	13.25%	3.10%	―	―
GWO	76 Outperform	C$50.47B	13.64	14.19%	4.37%	15.27%	4.72%
IAG	75 Outperform	C$14.01B	14.02	13.43%	2.42%	-4.55%	42.41%

Sagicor Financial Corporate Events

Sagicor Financial Achieves Strong Q2 2025 Results Amid Market Volatility

Sagicor Financial reported strong operational results for the second quarter of 2025, with core earnings to shareholders reaching $46.0 million, an 82% increase from the previous year. Despite a net loss of $6.4 million due to non-core market volatility, the company achieved a total comprehensive income of $39.8 million. Sagicor’s subsidiaries in Canada, the U.S., and the Caribbean all showed robust performance, with the U.S. subsidiary surpassing $6 billion in total assets. The company’s strategic initiatives are expected to continue enhancing its business operations into 2026 and beyond.

The most recent analyst rating on (TSE:SFC) stock is a Buy with a C$9.00 price target. To see the full list of analyst forecasts on Sagicor Financial stock, see the TSE:SFC Stock Forecast page.

Sagicor Financial Reports Strong Q2 2025 Results Amid Strategic Growth

Sagicor Financial reported strong second-quarter results for 2025, with core earnings to shareholders reaching $46.0 million, driven by excellent insurance results across all operating segments. Despite a net loss of $6.4 million due to non-core mark-to-market volatility, the company achieved a total comprehensive income of $39.8 million. The U.S. subsidiary surpassed $6 billion in total assets, while Canadian and Caribbean segments showed strong profitability. Sagicor’s strategic initiatives are expected to continue yielding positive results in the future.

The most recent analyst rating on (TSE:SFC) stock is a Buy with a C$9.00 price target. To see the full list of analyst forecasts on Sagicor Financial stock, see the TSE:SFC Stock Forecast page.

Sagicor Financial to Release Q2 2025 Results and Host Earnings Call

Sagicor Financial is set to announce its second quarter 2025 financial results on August 13, 2025, with an earnings call scheduled for August 14, 2025. This announcement is significant as it provides insights into the company’s financial health and performance, potentially impacting investor decisions and market positioning.

The most recent analyst rating on (TSE:SFC) stock is a Buy with a C$9.00 price target. To see the full list of analyst forecasts on Sagicor Financial stock, see the TSE:SFC Stock Forecast page.

Sagicor Financial Renews Share Buyback Program to Enhance Shareholder Value

Sagicor Financial Company Ltd. announced the renewal of its normal course issuer bid (NCIB) approved by the Toronto Stock Exchange, allowing the company to repurchase up to 9,296,291 common shares over a 12-month period. This move is intended to reflect the company’s belief that its market price may not accurately represent its underlying value, providing an opportunity to enhance shareholder value and liquidity.

The most recent analyst rating on (TSE:SFC) stock is a Buy with a C$9.00 price target. To see the full list of analyst forecasts on Sagicor Financial stock, see the TSE:SFC Stock Forecast page.