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SFC.TO (SFC) fair value: what the stock is really worth

As of Sep 23, 2026: fair value of SFC.TO C$8.20, price C$8.41, upside -2.5%, quality 58 out of 100. Calculated from audited financials with 26 valuation models and 37 quality factors, updated daily.

  1. Fair value above price? No
  2. Good quality? Yes
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Financial Services · CA · ISIN BM78669Q1007

ST Broad data Sep 23, 2026

SFC.TO

SFC · TO

NeutralThe stock looks roughly fairly valued with average quality.

·Fair value C$8.20 · Fairly valued (−3%)
!Quality 58/100
!Mixed Growth (revenue 5y +10.0 %/yr)
!Thin margins · 1.8% net margin (TTM)
✓Moderate debt · generates free cash flow
·3.31% dividend yield
!Mixed vs. peers (7/14)
!Narrow moat 35/100
!Insider activity 45/100
!Weak on past: 21 out of 100
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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$8.20 Apr 2021 Sep 2026

White line = price, green steps = our fair value per fiscal year, dashed = 300-day average. As of Sep 23, 2026.

How to read this chart

60‑month range C$3.69 – C$10.12 · fair‑value band C$8.06 – C$8.20 · the C$8.41 price screens above the C$8.20 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. Dashed = 300-day average. As of Sep 23, 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. It operates through Sagicor Canada, Sagicor Life USA, Sagicor Jamaica, Sagicor Life, and Head Office and Other segments.

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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.

Stock analysis

SFC.TO (SFC) currently trades at C$8.41, while our model-based Fair Value estimate is C$8.20, implying the stock looks roughly 2.6% fairly valued today.

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Valuation

Bull case: the Multiples group reads highest at a median of C$6.50 per share, and 1 of the 4 models we run sit above the C$8.41 price.

Bear case: the Asset-Based group reads lowest at C$5.09, and 3 of the 4 models stay below the price. Evidence for this calculation is high.

Scenario range: C$8.06 (bear) to C$8.20 (bull), the price of C$8.41 sits above 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 58/100 (solid quality), in the Financial Services sector.

Mixed Growth: Revenue is growing, but margins or cash flow do not fully confirm the trend.

SFC.TO 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 (≈ $834M) · P/E ratio 33.6 · P/S ratio 0.75 · EPS (TTM) C$0.2500 · Dividend yield 3.3% · Net margin 2.2% · Return on equity 5.3% · Return on assets (EBIT) 2.4%.

Competitive moat

Our AI-assisted moat analysis scores the competitive advantage at 47 out of 100 (low confidence).

What moves the price

The share trades about 17% below its 52-week high and 11% above its 52-week low, currently below its 200-day average.

For context, the median of 10 Financial Services peers we cover trades at −35% fair-value upside, at −3%, SFC screens cheaper than that median.

Fair Value models

Bear C$8.06 Fair Value C$8.20 Bull C$8.20
Model ⓘEach model values the company its own way (discounted cash flow, earnings, assets, dividends). The fair value above is their evidence-weighted blend, not the output of a single model. 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. Evidence ⓘEvidence = 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.
Highest evidence
Residual Income C$5.72 C$5.83 C$5.66 74
P/E Multiple C$4.88 C$6.50 C$8.13 63
P/B Multiple C$6.38 C$8.50 C$10.63 55
All 4 models by family
Multiples
P/E Multiple C$4.88 C$6.50 C$8.13 63
P/B Multiple C$6.38 C$8.50 C$10.63 55
Asset-Based
NCAV (Graham) C$3.80 C$5.09 C$7.60 54
Economic Profit
Residual Income C$5.72 C$5.83 C$5.66 74

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Quality Score breakdown

Overall quality 58/100

Of which business quality 55 · Market factors (momentum, volatility) 51

Profitability 19
Margins and returns on capital today
Quality Growth 65
Are margins and returns improving?
Cashflow 100
Earnings quality: real cash, not paper profit
Fin. Strength 6
Balance sheet, leverage, solvency risk
Investment 67
Disciplined investing over empire-building
Low Volatility 85
Calm price path (market factor)
Momentum 37
Price trend over the last 3–12 months (market factor)
52W Momentum 34
Distance to the 52-week high (market factor)
Net Issuance 97
Share count: buybacks or dilution?

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Revenue & earnings trend

Growth Quality ⓘGrowth is valuable only when reinvestment earns attractive returns (Aswath Damodaran): sustainable growth depends on return on capital, reinvestment and efficiency. Basis: total company revenue over the periods shown on the cards (3Y/5Y/all years), not per share, so a merger can show up as a growth jump; per-share earnings growth is in the value-creation card. 73/100
Revenue is growing, but margins or cash flow do not fully confirm the trend.
Revenue growth 1 year
+104.4%
Revenue growth 5 years ⓘMeasures the company's TOTAL revenue from reported annual statements: compound average growth per year (CAGR) from the fiscal year 3, 5 or N years back to the most recent comparable fiscal year. Not per share: buybacks do not change this number, and a merger can appear as a growth jump. Per-share growth (which does include buybacks) is in the value-creation card.
+10.0%
Start year 2020 (pandemic). Over 10 years: +11.0% a year
Revenue growth 13 years ⓘMeasures the company's TOTAL revenue from reported annual statements: compound average growth per year (CAGR) from the fiscal year 3, 5 or N years back to the most recent comparable fiscal year. Not per share: buybacks do not change this number, and a merger can appear as a growth jump. Per-share growth (which does include buybacks) is in the value-creation card.
+8.9%
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.
−0.7%
Earnings growth per share plus dividend.
Earnings per share, growth per year−4.0%
Dividend (yield on the price)3.3%
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% vs 11%, 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%
Start year 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 · 95 stocks

Beats the industry median on 7/14 measures
A mixed picture versus its industry peers.
Valuation
Quality Score 57 · Above median
Fair Value upside −3% · Above median
Profitability
Return on equity (TTM) 5% · Below median
Return on assets 1% · Below median
Net margin (TTM) 2% · Bottom 25%
Operating margin (TTM) 9% · Below median
Growth and dividend
Revenue growth −3% · Bottom 25%
Dividend yield (TTM) 3.3% · Above median
Balance sheet
Debt / equity 0.90× · Highest 25%

Valuation Multiplesvs Insurance - Life median · lower = cheaper

P/E (TTM) 33.6× · Priciest 25%
P/B 0.81× · Cheaper than median
P/S (TTM) 0.59× · Cheapest 25%
P/FCF 0.6× · Cheaper than median
EV/EBITDA 3.7× · Cheaper than median

Strength profile in five axes (Snowflake)

VALUEFUTUREPASTHEALTHDIVIDEND
This stock
VALUEFUTUREPASTHEALTHDIVIDEND
Sector peers
VALUE (fair-value potential)30 · sector 9
FUTURE (revenue growth)0 · sector 43
PAST (return on equity)21 · sector 43
HEALTH (low debt)55 · sector 84
DIVIDEND (yield)66 · sector 56

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
China Life Insurance Company 601628 ¥38.60 ¥49.98 +29%
Ping An Insurance (Group) Company 601318 ¥53.87 ¥66.20 +23%
AIA Group 1299 HK$75.35 HK$41.68 −45%
Manulife Financial Corporation MFC $44.17 $27.59 −38%
Aflac Incorporated AFL $114.60 $67.96 −41%
MetLife, Inc MET $95.92 $53.26 −44%
Great-West Lifeco Inc GWO C$92.75 C$41.81 −55%
Life Insurance Corporation LICI ₹407.50 ₹392.93 −4%
Cathay Financial Holding 2882 110.50 TWD 72.33 TWD −35%
China Pacific Insurance (Group) Co 601601 ¥31.61 ¥49.71 +57%

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

Frequently asked questions

Is SFC.TO (SFC) overvalued or undervalued?
As of Sep 23, 2026, our model estimates a fair value of C$8.20 versus a price of C$8.41, about −3% upside (fairly valued).
What is the fair value of SFC?
Our model-based fair value for SFC.TO is C$8.20 (as of Sep 23, 2026), built from audited fundamentals. The current price: C$8.41.
What is the quality score of SFC?
SFC.TO has a Quality Score of 58/100. 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 SFC.TO (SFC)?
Our model-based price target is the fair value of C$8.20 (as of Sep 23, 2026) from 4 valuation models. Cautious scenario C$8.06, optimistic scenario C$8.20. It is a calculation from audited fundamentals, not an analyst target.
What is the SFC.TO stock forecast for 2026?
Our models put fair value at C$8.20, about −3% upside versus a price of C$8.41 (fairly valued). Cautious scenario C$8.06, optimistic scenario C$8.20. The calculation is refreshed regularly with new filings.
What is the revenue of SFC.TO (SFC)?
SFC.TO reported trailing-twelve-month revenue of about $1.4B (latest available figure, as of Sep 23, 2026).
Does SFC.TO pay a dividend?
SFC.TO currently shows a dividend yield of about 3.31% relative to its recent price (as of Sep 23, 2026).
What is the intrinsic value of SFC.TO (SFC)?
Intrinsic value and fair value mean the same thing: what the business is worth on its numbers, independent of the share price. For SFC.TO it is C$8.20 per share (as of Sep 23, 2026), against a price of C$8.41. It is the blended result of 4 valuation models (cash flow, earnings, asset, dividend).
Is SFC.TO stock overvalued or undervalued in 2026?
As of Sep 23, 2026, SFC trades above its calculated fair value: price C$8.41, fair value C$8.20, a gap of about −3% (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$8.41); the fair value is what the company's own numbers justify (C$8.20). For SFC.TO the two are C$0.2100 per share apart. That gap is exactly why we show both numbers side by side.
How much is SFC.TO worth?
The market values SFC.TO at about C$1.2B (market capitalisation, as of Sep 23, 2026). Per share that is C$8.41; our models calculate a fair value of C$8.20 per share.
What do the bullish and bearish scenarios say about SFC?
Our models span a range for SFC.TO: cautious scenario C$8.06, base C$8.20, optimistic C$8.20 per share (as of Sep 23, 2026, price C$8.41). The range comes from different growth and margin assumptions, not from analyst opinions.
What is the P/E ratio of SFC?
SFC.TO trades at a price-to-earnings ratio of 33.6 (as of Sep 23, 2026). A P/E on its own says little: it compares the price with ONE year of profit, while our fair value of C$8.20 is built from several models across several years. Other multiples: P/B 0.8, P/S 0.6, EV/EBITDA 3.7.
How solid is the balance sheet of SFC.TO (SFC)?
Balance-sheet figures for SFC.TO (as of Sep 23, 2026): return on equity 5.3%, debt of 0.90 per unit of equity. They feed the Quality Score of 58/100, which measures business quality independently of the share price.
How far is SFC from its 52-week high?
SFC.TO trades at C$8.41, about 17% below its 52-week high of C$10.12 and 11% above the low of C$7.58 (as of Sep 23, 2026). Distance from the high says nothing about value: that is what the fair value of C$8.20 is for.
Which stocks are comparable to SFC.TO?
From the same area (Financial Services) we also value China Life Insurance Company, Ping An Insurance (Group) 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 SFC.TO stock attractive at the current price?
The data as of Sep 23, 2026: price C$8.41, calculated fair value C$8.20 (−3%), Quality Score 58/100, from 4 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 SFC.TO through 4 models from four families: discounted cash flow, earnings models, asset and balance-sheet models, and dividend models. Every model gets the same audited fundamentals; the result is the weighted average of C$8.20, 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 14.1 % above its aggregate fair value. SFC.TO 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 SFC.TO (SFC)?
The closing price on Sep 23, 2026 was C$8.41. Our model-based fair value is C$8.20, about −3% upside (fairly valued). We carry closing prices from our data provider, not a live tick.
What should I pay attention to with SFC.TO right now?
The price sits above even our optimistic bull case (C$8.20). The favourable scenario is already priced in. The price sits close to our fair value, market and models broadly agree here, little valuation tension. The models converge in a tight band (C$8.06 to C$8.20), unusually little disagreement for a valuation. 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 SFC.TO (SFC) come from?
Earnings per share at SFC.TO 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 SFC.TO

How large is the market capitalisation of SFC.TO (SFC)?
The market capitalisation of SFC.TO is C$1.2B (≈ $834M). 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 SFC.TO (SFC)?
The price-to-sales ratio of SFC.TO is 0.75 (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 SFC.TO (SFC)?
Earnings per share at SFC.TO are C$0.2500 (price ÷ EPS = P/E 33.6). Earnings per share over the last twelve months: total profit spread across every single share.
What is the dividend yield of SFC.TO (SFC)?
The dividend yield of SFC.TO is 3.3% (payout 111%). 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 SFC.TO (SFC)?
The net margin of SFC.TO 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 SFC.TO (SFC)?
The return on equity (ROE) of SFC.TO is 5.3% (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 SFC.TO (SFC)?
On an EBIT basis the return on assets of SFC.TO 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 SFC.TO (SFC)?
The operating margin of SFC.TO is 8.6% (last twelve months). Profit from the core business (before interest and taxes) relative to revenue.
How fast is revenue growing at SFC.TO (SFC)?
Revenue at SFC.TO is growing −3.3% 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 SFC.TO (SFC)?
Earnings per share at SFC.TO are growing +41.4% versus a year earlier. How much earnings per share grew versus a year earlier.
How much free cash flow does SFC.TO (SFC) generate?
The free cash flow of SFC.TO 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 SFC.TO (SFC) carry?
The net debt of SFC.TO 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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