Sagicor Financial Company (SFC) Fair Value & Analysis

Financial Services · CA · Market cap C$1.2B

A solid business, but screening 26% overvalued on our models.

What matters now

• The price sits above even our optimistic bull case (C$8.13). The favourable scenario is already priced in.
• Solid but not exceptional quality (58/100) and above fair value, neither a clear bargain nor a standout compounder.
• For a financial, book-value and earnings-based methods matter more than a cash-flow DCF, which fits banks and insurers poorly.

Price vs Fair Value (5 years)

White line = price, green steps = our fair value per fiscal year, dashed = 300-day average. As of Jul 16, 2026.

How to read this chart

60‑month range C$3.69 – C$10.12 · fair‑value band C$4.88 – C$8.13 · the C$8.83 price screens above the C$6.50 fair value. Green steps = our fair value per fiscal year (point-in-time, no hindsight). Dashed = 300-day average. As of Jul 16, 2026.

Full chart & analysis →

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Analysis

Sagicor Financial Company (SFC) currently trades at C$8.83, while our model-based Fair Value estimate is C$6.50, implying the stock looks roughly 26.4% overvalued today. The Quality Score stands at 58/100 (solid quality), in the Financial Services sector. Bear case: priced above our estimate, the market already discounts strong expectations. Bull case: above-average quality can justify a premium, the entry price still matters most (evidence: high).

Over the trailing twelve months, Sagicor Financial Company generated revenue of C$1.4B at a net margin of 1.8%. Revenue declined 0.5% year over year. It earns a return on equity of 5.3%. Net debt stands at C$1.3B. Fundamentals as of Jul 16, 2026

Our scenario range runs from C$4.88 (bear case) to C$8.13 (bull case); at C$8.83, the current price sits above that range. Bear and bull are the same models run on conservative and optimistic assumptions (margins, growth, valuation multiples), so a plausible valuation range, not a price target. The share trades about 14% below its 52-week high and 28% above its 52-week low, currently below its 200-day average. For context, the median of 10 Financial Services peers we cover trades at 1% fair-value upside, at -26%, SFC screens richer than that median.

Fair Value models

Each model estimates fair value its own way; the Fair Value above is the evidence-weighted blend. Evidence (0–100) measures how completely this model’s inputs are available: well-fed models carry more weight in the blend. The spread across models is intentional, each one stresses a different value driver; dividend models, for instance, come out structurally low when payout is small.

Widest divergence: Multiples (C$6.50) versus Asset-Based (C$5.09). Highest evidence: Residual Income (76).

Key figures & financial health

Quality Score breakdown

About the 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.

Full company description

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.

Company description, as reported by the company or data provider.

Revenue & earnings trend

FY2021 – FY2025 · reported fiscal years

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

SFC screens 26% overvalued. Compare with China Life Insurance Company →

Peer Group

Insurance - Life · 95 stocks

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.

Valuation Multiples vs Insurance - Life median · lower = cheaper

Snowflake

Five quick dimensions, each 0 to 100: VALUE (fair-value potential), FUTURE (revenue growth), PAST (return on equity), HEALTH (low debt), DIVIDEND (yield). Green = this stock, grey = typical sector peer.

VALUE 0: the price sits above our fair-value range.

Insider activity: 45/100

Values & ESG

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

ESG scores are not available for this stock yet. Values and ESG data are contextual and can differ between providers.

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Frequently asked questions

How we calculate Fair Value

Each company is valued through a stack of independent intrinsic-value models (DCF variants, residual-income, multiples and more), blended into one family-balanced consensus and weighted by how much trustworthy data backs it. A separate quality layer scores the fundamentals. Every input is real reported data, nothing guessed.