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Sagicor Financial Company (SFC) fair value: what the stock is really worth

As of Nov 6, 2026: fair value (intrinsic value) of Sagicor Financial Company stock C$8.11, price C$8.16, that is 0.6% below the price, quality 57 out of 100. Rating: fairly valued. Calculated from audited financials with 6 of our 26 valuation models and 37 quality factors, updated daily.

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Financial Services CA · ISIN BM78669Q1007

SF Sagicor Financial Company logo Broad data Nov 5, 2026

Sagicor Financial Company

SFC · TO
Fairly valued, in an uptrend

The stock costs about what our calculation considers fair.

4.9% dividend yield · Low payout
Ranks above peers (11/14)
Broad data
Last quarter vs. a year ago: revenue +45%, profit +41%.
Fair value C$8.11 · Fairly valued
Quality 57/100
Thin margins · 7.6% net margin (TTM)
Moderate moat 56/100 · thin data
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What runs behind every stock

26 valuation models 8 families, DCF to NCAV 37 quality factors margins, balance sheet, cashflow, debt 6 AI factors moat, what no ratio measures 2,000+ data points verified, per stock, median

69 individual criteria per stock, every one traceable See the method →

Price vs Fair Value

C$10.12 C$3.69 Fair Value C$8.11 Jun 2021 Nov 2026

White line = price, green steps = our fair value per fiscal year. As of Nov 5, 2026.

How to read this chart

60‑month range C$3.69 – C$10.12 · fair‑value band C$6.09 – C$9.41 · the C$8.16 price screens above the C$8.11 fair value. Green steps = our fair value per fiscal year (point-in-time, no hindsight). 1 fiscal year is left out: there the valuation rested on only a fraction of the usual models. As of Nov 5, 2026.

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Company profile

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.

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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.

Stock analysis

Sagicor Financial Company (SFC) currently trades at C$8.16, while our model-based Fair Value estimate is C$8.11, so the stock looks roughly fairly valued today (gap 0.6%).

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Valuation

Bull case: the Economic Profit group reads highest at a median of C$8.74 per share, and 2 of the 6 models we run sit above the C$8.16 price.

Bear case: the Dividend Discount group reads lowest at C$3.49, and 4 of the 6 models stay below the price. Data coverage for this calculation is high.

Scenario range: C$6.09 (bear) to C$9.41 (bull), the price of C$8.16 sits inside it. Bear and bull are the same models on cautious and optimistic assumptions, a range, not a price target.

Quality & growth

The Quality Score stands at 57/100 (solid quality), in the Financial Services sector.

Sagicor Financial Company reported revenue of $3.1B in FY2025 versus $2.4B in FY2021, a compound +6.8%/yr. Reported net income was $68.1M in FY2025, compounding −15.3%/yr from FY2021.

Key figures

Market cap C$1.2B (≈ $821M) Small · P/E ratio 7.0 · P/S ratio 0.15 · EPS (TTM) C$1.17 · Dividend yield 4.9% · Net margin 2.2% · Return on equity 11.3% · Return on assets (EBIT) 2.4% (5-year average).

Competitive moat

Our AI-assisted moat analysis scores the competitive advantage at 56 out of 100 (low confidence).

What moves the price

The share trades about 19% below its 52-week high and 8% above its 52-week low, currently below its 200-day average.

For context, the median of 10 Financial Services peers we cover trades at −38% fair-value upside, at −1%, SFC screens cheaper than that median.

Fair Value models

Bear C$6.09 Fair Value C$8.11 Bull C$9.41
Price C$8.16 · Downside -0.6%
Model ⓘEach model values the company its own way (discounted cash flow, earnings, assets, dividends). The fair value above starts from their evidence-weighted blend, not from a single model. In cyclical trough or peak years, after dilution or a stock split it is adjusted afterwards, so it can sit above or below the models. Based on fiscal year 2025 figures (about 10 months old). Earnings retained since then (C$0.6585 per share) are deliberately not added. Bear ⓘBear = the cautious scenario: the same model computed with conservative anchors (lower growth, margins and valuation multiples). Together with Bull it frames a plausible valuation range, not a price target.BaseBull ⓘBull = the optimistic scenario: the same model computed with favourable anchors (higher growth, margins and valuation multiples). Together with Bear it frames a plausible valuation range, not a price target. If a model's bull case is above four times its base value, the table shows that limit with a > sign (like the overall Bull above): beyond it no assumption holds. Coverage ⓘCoverage = how well-backed THIS model's estimate is for this stock (0–100): how complete and reliable its input data are, and how well the model fits the company. The final Fair Value is an evidence-weighted blend, so better-evidenced models count more. Green ≥70, amber 50–69, grey below 50.
Best data coverage
Residual Income C$8.44 C$8.74 C$9.51 76
Gordon GGM C$1.89 C$3.73 C$5.58 67
DDM Multi-Stage C$1.89 C$3.24 C$3.94 67
All 6 models by family
Dividend Discount
Gordon GGM C$1.89 C$3.73 C$5.58 67
DDM Multi-Stage C$1.89 C$3.24 C$3.94 67
Multiples
P/E Multiple C$6.89 C$9.19 C$11.49 63
P/B Multiple C$5.40 C$7.21 C$9.01 55
Asset-Based
NCAV (Graham) C$4.94 C$6.62 C$9.88 53
Economic Profit
Residual Income C$8.44 C$8.74 C$9.51 76

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Quality Score breakdown

Overall quality 57/100

It rates the business: profits, how they develop, real cash, balance sheet, investing and share count.

Profitability 19
How much profit the company makes from its sales and capital
Quality Growth 65
Are margins and returns getting better?
Cashflow 100
Do the profits arrive as real cash?
Financial strength 6
Debt, balance sheet and risk of trouble
Investment 67
Does it invest with discipline instead of growing at any price?
Low Volatility 85
How calm the share price moves, does not count
Price momentum 34
Price momentum of the last 3 to 12 months, does not count
Near the 52-week high 31
Distance to the 52-week high, does not count
New shares 78
Buys back shares or issues new ones?

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Revenue & earnings trend

What shareholders gained per year (last 5 years) ⓘWhat the business itself delivers per year: earnings growth per share plus the dividend yield. This is what you get IF the market keeps valuing the stock the same way: it contains no assumption about the market changing its mind. Computed per share, so buybacks count and a merger does not pass as growth. For a company that pays no dividend it is pure earnings growth per share. Period: earnings growth per share as CAGR over the last 5 reported fiscal years (annual statements), plus the current dividend yield. The start value is the median of the three years around the start, so a single crisis year (a pandemic or a write-down) does not distort the rate.
+0.9%
Earnings growth per share plus dividend.
Earnings per share, growth per year−4.0%
Dividend (yield on the price)4.9%
Pace: 5 vs 10 years ⓘTwo data points, not a trend model: earnings growth per share over the last 5 fiscal years against the last 10. Labelled "steady" when both rates are within 3 percentage points of each other, otherwise picking up or flattening. Shown only when ten years of history exist.−4.0% vs 10.9%, slowing
Profit margin 2020 to 2025 ⓘOperating margin then vs now, from reported annual statements. A falling margin after a boom year is the classic peak-earnings signal: the growth rate then leans on an inflated base.−3% → 6%
Pace: the 5-year rate starts in 2020 (pandemic)

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Peer GroupⓘHow this stock ranks against its industry: the green marker is this stock, the band is the typical 25–75% peer range, and the tick is the median.Insurance - Life · 77 stocks

Beats the industry median on 11/14 measures
Overall it ranks above its industry peers.
Valuation
Quality Score 57 · Above median
Fair Value upside −0.6% · Above median
Profitability
Return on equity (12 months) 11.3% · Below median
Return on assets 0.5% · Bottom 25%
Net margin (12 months) 13.4% · Above median
Operating margin (12 months) 37.9% · Top 25%
Growth and dividend
Revenue growth (quarter YoY) 45.0% · Top 25%
Dividend yield (12 months) 4.9% · Top 25%
Balance sheet
Debt / equity 0.90× · Highest 25%

Valuation Multiplesvs Insurance - Life median · lower = cheaper

P/E (12 months) 7.0× · Cheaper than median
P/B 0.79× · Cheaper than median
P/S (12 months) 0.93× · Cheaper than median
Price / free cash flow (fiscal year) 1.0× · Cheapest 25%
EV/EBITDA 4.9× · Cheaper than median

Strength profile in five axes (Snowflake)

VALUEFUTUREPASTHEALTHDIVIDEND
This stock
VALUEFUTUREPASTHEALTHDIVIDEND
Sector peers
VALUE (fair-value potential)33 · sector 7
FUTURE (revenue growth)100 · sector 38
PAST (return on equity)45 · sector 48
HEALTH (low debt)–
DIVIDEND (yield)99 · sector 56

HEALTH: for banks, insurers and similar financial firms borrowed money is part of the business, so we do not rate debt here.

Context: sector, industry, market

Values & ESG

Does this company touch areas you may want to avoid? The classification is inferred from sector and industry.

None of the checked exposures detected

Similar stocks

10 more Insurance - Life stocks, each showing price versus our Fair Value estimate.

Stock Price Fair Value vs Fair Value Compare
Ping An Insurance (Group) Company 601318 ¥54.50 ¥66.91 +23% vs SFC
China Life Insurance Company 601628 ¥35.51 ¥40.47 +14% vs SFC
Life Insurance Corporation LICI ₹394.00 ₹299.42 −24% vs SFC
Cathay Financial Holding 2882 111.00 TWD 71.53 TWD −36% vs SFC
Manulife Financial Corporation MFC $43.24 $26.70 −38% vs SFC
Fubon Financial Holding 2881 148.00 TWD 86.48 TWD −42% vs SFC
Aflac Incorporated AFL $124.06 $67.30 −46% vs SFC
AIA Group 1299 HK$78.45 HK$41.63 −47% vs SFC
MetLife, Inc MET $98.27 $48.73 −50% vs SFC
Great-West Lifeco Inc GWO C$90.17 C$41.90 −54% vs SFC

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Sagicor Financial Company: fair value per Fair Value Calculator

Cite: Fair Value Calculator (2026). "Sagicor Financial Company Fair Value". https://www.fairvalue-calculator.com/stock/SFC

Frequently asked questions

Is Sagicor Financial Company (SFC) overvalued or undervalued?
As of Nov 5, 2026, our model estimates a fair value of C$8.11 versus a price of C$8.16, about 1% lower (fairly valued).
What is the fair value of SFC?
Our model-based fair value for Sagicor Financial Company is C$8.11 (as of Nov 5, 2026), built from audited fundamentals. The current price: C$8.16.
What is the quality score of SFC?
Sagicor Financial Company has a Quality Score of 57/100. It measures business quality (profitability, growth, cash flow, balance-sheet strength, investment discipline, share issuance). Market factors such as price momentum and volatility do not enter the number; they are shown separately in the detail view.
What is the price target for Sagicor Financial Company (SFC)?
Our model-based price target is the fair value of C$8.11 (as of Nov 5, 2026) from 6 valuation models. Cautious scenario C$6.09, optimistic scenario C$9.41. It is a calculation from audited fundamentals, not an analyst target.
What is the Sagicor Financial Company stock forecast for 2026?
Our models put fair value at C$8.11, about 1% lower versus a price of C$8.16 (fairly valued). Cautious scenario C$6.09, optimistic scenario C$9.41. The calculation is refreshed regularly with new filings.
What is the revenue of Sagicor Financial Company (SFC)?
Sagicor Financial Company reported trailing-twelve-month revenue of about $1.6B (latest available figure, as of Nov 5, 2026).
Does Sagicor Financial Company pay a dividend?
Sagicor Financial Company currently shows a dividend yield of 4.93% relative to its recent price (as of Nov 5, 2026).
How much is the dividend of Sagicor Financial Company (SFC) and when is the ex-dividend date?
Sagicor Financial Company pays a dividend of C$0.402 per share a year, a dividend yield of 4.9%. The last ex-dividend date was Aug 26, 2026. A dividend has been paid every year since at least 2020. The payout ratio is 56.9% of earnings. Our assessment: Low payout. A low payout ratio: the dividend takes at most 60 % of earnings. Whether free cash flow covers it as well, we cannot see for this company.
What is the intrinsic value of Sagicor Financial Company (SFC)?
Intrinsic value and fair value mean the same thing: what the business is worth on its numbers, independent of the share price. For Sagicor Financial Company it is C$8.11 per share (as of Nov 5, 2026), against a price of C$8.16. It is the blended result of 6 valuation models in 4 families (Dividend Discount, Multiples, Asset-Based, Economic Profit).
Is Sagicor Financial Company stock overvalued or undervalued in 2026?
As of Nov 5, 2026, SFC trades above its calculated fair value: price C$8.16, fair value C$8.11, a gap of about −1% (fairly valued). The calculation is refreshed with each new quarterly report, so the verdict can change during the year.
Is fair value the same as the market price of SFC?
No. The price is what the market pays today (C$8.16); the fair value is what the company's own numbers justify (C$8.11). For Sagicor Financial Company the two are C$0.0500 per share apart. That gap is exactly why we show both numbers side by side.
How much is Sagicor Financial Company worth?
The market values Sagicor Financial Company at about C$1.2B (market capitalisation, as of Nov 5, 2026). Per share that is C$8.16; our models calculate a fair value of C$8.11 per share.
What do the bullish and bearish scenarios say about SFC?
Our models span a range for Sagicor Financial Company: cautious scenario C$6.09, base C$8.11, optimistic C$9.41 per share (as of Nov 5, 2026, price C$8.16). The range comes from different growth and margin assumptions, not from analyst opinions.
What is the P/E ratio of SFC?
Sagicor Financial Company trades at a price-to-earnings ratio of 7.0 (as of Nov 5, 2026). A P/E on its own says little: it compares the price with ONE year of profit, while our fair value of C$8.11 is built from several models across several years. Other multiples: P/B 0.8, P/S 0.9, EV/EBITDA 4.9.
How solid is the balance sheet of Sagicor Financial Company (SFC)?
Balance-sheet figures for Sagicor Financial Company (as of Nov 5, 2026): return on equity 11.3%, debt of 0.90 per unit of equity. They feed the Quality Score of 57/100, which measures business quality independently of the share price.
How far is SFC from its 52-week high?
Sagicor Financial Company trades at C$8.16, about 19% below its 52-week high of C$10.12 and 8% above the low of C$7.58 (as of Nov 6, 2026). Distance from the high says nothing about value: that is what the fair value of C$8.11 is for.
Which stocks are comparable to Sagicor Financial Company?
From the same area (Financial Services) we also value Ping An Insurance (Group) Company, China Life Insurance Company, AIA Group, Manulife Financial Corporation, among others. Each of them has its own fair-value calculation on this site using the same models, so the comparison is like for like.
Is Sagicor Financial Company stock attractive at the current price?
The data as of Nov 5, 2026: price C$8.16, calculated fair value C$8.11 (−1%), Quality Score 57/100, from 6 models. Whether that fits your horizon and risk tolerance is your call. We provide the calculation, not investment advice.
How is the fair value of SFC calculated?
We run Sagicor Financial Company through 6 models from 4 families: Dividend Discount, Multiples, Asset-Based, Economic Profit. Every model gets the same audited fundamentals; the fair value of C$8.11 builds on their evidence-weighted average, with the spread shown as a cautious and an optimistic scenario.
Is it still worth investing in stocks now?
The global stock market currently sits 13.3% above its aggregate fair value. Sagicor Financial Company itself currently trades above fair value. An expensive market is no reason to stay out and no reason to buy everything at once: keep a broad savings plan running, buy single stocks only with money you can do without, and hold part of your money liquid while the market is high. The full picture including sectors is on is it worth investing now.
What is the share price of Sagicor Financial Company (SFC)?
The closing price on Nov 6, 2026 was C$8.16. Our model-based fair value is C$8.11, about 1% lower (fairly valued). We carry closing prices from our data provider, not a live tick.
What should I pay attention to with Sagicor Financial Company right now?
The price sits close to our fair value, market and models broadly agree here, little valuation tension. For a financial, book-value and earnings-based methods matter more than a cash-flow DCF, which fits banks and insurers poorly.
Where does the earnings growth of Sagicor Financial Company (SFC) come from?
Earnings per share at Sagicor Financial Company grew +28.3 % a year from 2014 to 2025. Broken into its drivers: revenue per share +18.1 %, EBIT margin −9.9 %, tax rate +1.5 %, residual (interest, one-offs) +18.7 %. The four rates multiply to the earnings growth rate, they do not add up. Start and end are three-year averages so a single exceptional year does not distort the result.

Key figures of Sagicor Financial Company

How large is the market capitalisation of Sagicor Financial Company (SFC)?
The market capitalisation of Sagicor Financial Company is C$1.2B (≈ $821M). The stock-market value of the whole company: share price times number of shares. It is what the market asks for the entire business today.
What is the P/S ratio of Sagicor Financial Company (SFC)?
The price-to-sales ratio of Sagicor Financial Company is 0.15 (P/E × margin). Price to sales: market value relative to yearly revenue. Useful when profit is thin or distorted.
What are the earnings per share of Sagicor Financial Company (SFC)?
Earnings per share at Sagicor Financial Company are C$1.17 (price ÷ EPS = P/E 7.0). Earnings per share over the last twelve months: total profit spread across every single share.
What is the dividend yield of Sagicor Financial Company (SFC)?
The dividend yield of Sagicor Financial Company is 4.9% (payout 34.4%). Yearly dividend relative to the share price. 3% pays 3 per 100 invested. Below: how much of profit is used for it.
What is the net margin of Sagicor Financial Company (SFC)?
The net margin of Sagicor Financial Company is 2.2% (fiscal year 2025). How much of every unit of revenue ends up as profit. 10% means 10 cents of profit per dollar of sales.
What is the return on equity of Sagicor Financial Company (SFC)?
The return on equity (ROE) of Sagicor Financial Company is 11.3% (last twelve months). Profit relative to shareholders' equity, how efficiently the company works with its owners' money.
What is the EBIT return on assets of Sagicor Financial Company (SFC)?
On an EBIT basis the return on assets of Sagicor Financial Company is 2.4% (avg 5y). Operating profit (EBIT) relative to everything the company owns, as a multi-year average. It describes the business model rather than one good or bad year.
What is the operating margin of Sagicor Financial Company (SFC)?
The operating margin of Sagicor Financial Company is 37.9% (last twelve months). Profit from the core business (before interest and taxes) relative to revenue.
How fast is revenue growing at Sagicor Financial Company (SFC)?
Revenue at Sagicor Financial Company is growing +45.0% versus a year earlier (3y avg +236%). How much revenue grew versus a year earlier (YoY). The 3-year average next to it puts the single year in context.
How fast are earnings growing at Sagicor Financial Company (SFC)?
Earnings per share at Sagicor Financial Company are growing +41.4% versus a year earlier. How much earnings per share grew versus a year earlier.
How much free cash flow does Sagicor Financial Company (SFC) generate?
The free cash flow of Sagicor Financial Company is $1.5B (fiscal year 2025). The cash truly left after running and investing in the business, this is what pays dividends and buybacks.
How much net debt does Sagicor Financial Company (SFC) carry?
The net debt of Sagicor Financial Company is $1.3B (fiscal year 2025, ≈ 0.8 yrs of FCF). Debt minus cash on hand. The note shows how many years of free cash flow could in theory pay it off.
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