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

As of Oct 2, 2026: fair value of Sagicor Financial Company Ltd $5.86, price $5.82, upside +0.7%, quality 55 out of 100. Calculated from audited financials with 26 valuation models and 37 quality factors, updated daily.

  1. Fair value above price? Yes
  2. Good quality? Yes
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Financial Services · US

SF Sagicor Financial Company Ltd logo Broad data Sep 24, 2026

Sagicor Financial Company Ltd

SGCFF · US

NeutralThe stock looks roughly fairly valued with average quality.

·Fair value $5.86 · Fairly valued (+0.7%)
!Quality 55/100
!Mixed Growth (revenue 5y +10.0 %/yr)
!Thin margins · 1.8% net margin (TTM)
✓Moderate debt · generates free cash flow
✓4.8% dividend yield · Sustainable
!Mixed vs. peers (7/14)
!Narrow moat 33/100
!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

$7.56 $1.53 Fair Value $5.86 Jun 2021 Oct 2026

White line = price, green steps = our fair value per fiscal year, dashed = 300-day average. As of Sep 24, 2026.

How to read this chart

60‑month range $1.53 – $7.56 · fair‑value band $5.38 – $5.86 · the $5.82 price screens below the $5.86 fair value. Green steps = our fair value per fiscal year (point-in-time, no hindsight). Dashed = 300-day average. As of Sep 24, 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

Sagicor Financial Company Ltd (SGCFF) currently trades at $5.82, while our model-based Fair Value estimate is $5.86, so the stock looks roughly fairly valued today (gap 0.7%).

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Valuation

Bull case: the Multiples group reads highest at a median of $6.50 per share, and 3 of the 6 models we run sit above the $5.82 price.

Bear case: the Dividend Discount group reads lowest at $3.50, and 3 of the 6 models stay below the price. Evidence for this calculation is high.

Scenario range: $5.38 (bear) to $5.86 (bull), the price of $5.82 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 55/100 (solid quality), in the Financial Services sector.

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

Sagicor Financial Company Ltd 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 −23.3%/yr from FY2021.

Key figures

Market cap $814M · P/E ratio 32.3 · P/S ratio 0.72 · EPS (TTM) $0.1800 · Dividend yield 4.8% · 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 42 out of 100 (low confidence).

What moves the price

The share trades about 23% below its 52-week high and 39% 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 1%, SGCFF screens cheaper than that median.

Fair Value models

Bear $5.38 Fair Value $5.86 Bull $5.86
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. 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. 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 $5.76 $5.92 $6.34 74
Gordon GGM $2.13 $3.83 $5.27 66
DDM Multi-Stage $2.13 $3.50 $4.09 65
All 6 models by family
Dividend Discount
Gordon GGM $2.13 $3.83 $5.27 66
DDM Multi-Stage $2.13 $3.50 $4.09 65
Multiples
P/E Multiple $4.88 $6.50 $8.13 63
P/B Multiple $6.38 $8.50 $10.63 55
Asset-Based
NCAV (Graham) $3.80 $5.09 $7.60 54
Economic Profit
Residual Income $5.76 $5.92 $6.34 74

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Quality Score breakdown

Overall quality 55/100

Of which business quality 53 · Market factors (momentum, volatility) 48

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 63
Calm price path (market factor)
Momentum 39
Price trend over the last 3–12 months (market factor)
52W Momentum 45
Distance to the 52-week high (market factor)
Net Issuance 79
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. 81/100
Revenue is growing, but margins or cash flow do not fully confirm the trend.
Revenue growth 1 year
+50.4%
Revenue growth 3 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.
+6.4%
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. Basis: EBIT basis.
+30.5%
Earnings growth per share plus dividend.
Earnings per share, growth per year+25.7%
Dividend (yield on the price)4.8%
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.−12.5% vs 14.5%, 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 · 88 stocks

Beats the industry median on 7/14 measures
A mixed picture versus its industry peers.
Valuation
Quality Score 54 · Above median
Fair Value upside +0.0% · Above median
Profitability
Return on equity (TTM) 5.3% · Bottom 25%
Return on assets 0.9% · Below median
Net margin (TTM) 1.8% · Bottom 25%
Operating margin (TTM) 8.6% · Below median
Growth and dividend
Revenue growth −3.3% · Bottom 25%
Dividend yield (TTM) 4.8% · Above median
Balance sheet
Debt / equity 0.90× · Highest 25%

Valuation Multiplesvs Insurance - Life median · lower = cheaper

P/E (TTM) 32.3× · Priciest 25%
P/B 0.79× · Cheaper than median
P/S (TTM) 0.57× · Cheapest 25%
P/FCF 0.5× · Cheapest 25%
EV/EBITDA 3.6× · Cheaper than median

Strength profile in five axes (Snowflake)

VALUEFUTUREPASTHEALTHDIVIDEND
This stock
VALUEFUTUREPASTHEALTHDIVIDEND
Sector peers
VALUE (fair-value potential)35 · sector 2
FUTURE (revenue growth)0 · sector 43
PAST (return on equity)21 · sector 49
HEALTH (low debt)55 · sector 87
DIVIDEND (yield)96 · sector 57

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 ¥37.43 ¥49.98 +34%
Ping An Insurance (Group) Company 601318 ¥53.29 ¥67.19 +26%
AIA Group 1299 HK$73.75 HK$41.69 −43%
Manulife Financial Corporation MFC $42.59 $27.37 −36%
MetLife, Inc MET $94.35 $54.39 −42%
Great-West Lifeco Inc GWO C$93.34 C$42.07 −55%
Aflac Incorporated AFL $111.18 $67.02 −40%
Life Insurance Corporation LICI ₹409.05 ₹299.19 −27%
Cathay Financial Holding 2882 110.50 TWD 71.47 TWD −35%
China Pacific Insurance (Group) Co 601601 ¥30.88 ¥48.28 +56%

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

Frequently asked questions

Is Sagicor Financial Company Ltd (SGCFF) overvalued or undervalued?
As of Sep 24, 2026, our model estimates a fair value of $5.86 versus a price of $5.82, about +1% upside (fairly valued).
What is the fair value of SGCFF?
Our model-based fair value for Sagicor Financial Company Ltd is $5.86 (as of Sep 24, 2026), built from audited fundamentals. The current price: $5.82.
What is the quality score of SGCFF?
Sagicor Financial Company Ltd has a Quality Score of 55/100. 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 Ltd (SGCFF)?
Our model-based price target is the fair value of $5.86 (as of Sep 24, 2026) from 6 valuation models. Cautious scenario $5.38, optimistic scenario $5.86. It is a calculation from audited fundamentals, not an analyst target.
What is the Sagicor Financial Company Ltd stock forecast for 2026?
Our models put fair value at $5.86, about +1% upside versus a price of $5.82 (fairly valued). Cautious scenario $5.38, optimistic scenario $5.86. The calculation is refreshed regularly with new filings.
What is the revenue of Sagicor Financial Company Ltd (SGCFF)?
Sagicor Financial Company Ltd reported trailing-twelve-month revenue of about $1.4B (latest available figure, as of Sep 24, 2026).
Does Sagicor Financial Company Ltd pay a dividend?
Sagicor Financial Company Ltd currently shows a dividend yield of about 4.78% relative to its recent price (as of Sep 24, 2026).
What is the intrinsic value of Sagicor Financial Company Ltd (SGCFF)?
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 Ltd it is $5.86 per share (as of Sep 24, 2026), against a price of $5.82. It is the blended result of 6 valuation models (cash flow, earnings, asset, dividend).
Is Sagicor Financial Company Ltd stock overvalued or undervalued in 2026?
As of Sep 24, 2026, SGCFF trades below its calculated fair value: price $5.82, fair value $5.86, 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 SGCFF?
No. The price is what the market pays today ($5.82); the fair value is what the company's own numbers justify ($5.86). For Sagicor Financial Company Ltd the two are $0.0400 per share apart. That gap is exactly why we show both numbers side by side.
How much is Sagicor Financial Company Ltd worth?
The market values Sagicor Financial Company Ltd at about $814M (market capitalisation, as of Sep 24, 2026). Per share that is $5.82; our models calculate a fair value of $5.86 per share.
What do the bullish and bearish scenarios say about SGCFF?
Our models span a range for Sagicor Financial Company Ltd: cautious scenario $5.38, base $5.86, optimistic $5.86 per share (as of Sep 24, 2026, price $5.82). The range comes from different growth and margin assumptions, not from analyst opinions.
What is the P/E ratio of SGCFF?
Sagicor Financial Company Ltd trades at a price-to-earnings ratio of 32.3 (as of Sep 24, 2026). A P/E on its own says little: it compares the price with ONE year of profit, while our fair value of $5.86 is built from several models across several years. Other multiples: P/B 0.8, P/S 0.6, EV/EBITDA 3.6.
How solid is the balance sheet of Sagicor Financial Company Ltd (SGCFF)?
Balance-sheet figures for Sagicor Financial Company Ltd (as of Sep 24, 2026): return on equity 5.3%, debt of 0.90 per unit of equity. They feed the Quality Score of 55/100, which measures business quality independently of the share price.
How far is SGCFF from its 52-week high?
Sagicor Financial Company Ltd trades at $5.82, about 23% below its 52-week high of $7.56 and 39% above the low of $4.18 (as of Oct 2, 2026). Distance from the high says nothing about value: that is what the fair value of $5.86 is for.
Which stocks are comparable to Sagicor Financial Company Ltd?
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 Sagicor Financial Company Ltd stock attractive at the current price?
The data as of Sep 24, 2026: price $5.82, calculated fair value $5.86 (+1%), Quality Score 55/100, 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 SGCFF calculated?
We run Sagicor Financial Company Ltd through 6 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 $5.86, 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 14.5 % above its aggregate fair value. Sagicor Financial Company Ltd currently trades 1 % below its own fair value, and the market average says nothing about that. 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 Ltd (SGCFF)?
The closing price on Oct 2, 2026 was $5.82. Our model-based fair value is $5.86, about +1% upside (fairly valued). We carry closing prices from our data provider, not a live tick.
What should I pay attention to with Sagicor Financial Company Ltd right now?
The price sits close to our fair value, market and models broadly agree here, little valuation tension. The models converge in a tight band ($5.38 to $5.86), 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 Sagicor Financial Company Ltd (SGCFF) come from?
Earnings per share at Sagicor Financial Company Ltd grew +31.3 % a year from 2014 to 2025. Broken into its drivers: revenue per share +22.0 %, EBIT margin +4.0 %, tax rate +1.5 %, residual (interest, one-offs) +1.9 %. 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 Ltd

How large is the market capitalisation of Sagicor Financial Company Ltd (SGCFF)?
The market capitalisation of Sagicor Financial Company Ltd is $814M. 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 Ltd (SGCFF)?
The price-to-sales ratio of Sagicor Financial Company Ltd is 0.72 (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 Ltd (SGCFF)?
Earnings per share at Sagicor Financial Company Ltd are $0.1800 (price ÷ EPS = P/E 32.3). Earnings per share over the last twelve months: total profit spread across every single share.
What is the dividend yield of Sagicor Financial Company Ltd (SGCFF)?
The dividend yield of Sagicor Financial Company Ltd is 4.8% (payout 154%). 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 Ltd (SGCFF)?
The net margin of Sagicor Financial Company Ltd 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 Ltd (SGCFF)?
The return on equity (ROE) of Sagicor Financial Company Ltd 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 Sagicor Financial Company Ltd (SGCFF)?
On an EBIT basis the return on assets of Sagicor Financial Company Ltd 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 Ltd (SGCFF)?
The operating margin of Sagicor Financial Company Ltd is 8.6% (last twelve months). Profit from the core business (before interest and taxes) relative to revenue.
How fast is revenue growing at Sagicor Financial Company Ltd (SGCFF)?
Revenue at Sagicor Financial Company Ltd is growing −3.3% versus a year earlier (3y avg +6.4%). 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 Ltd (SGCFF)?
Earnings per share at Sagicor Financial Company Ltd 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 Ltd (SGCFF) generate?
The free cash flow of Sagicor Financial Company Ltd 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 Ltd (SGCFF) carry?
The net debt of Sagicor Financial Company Ltd 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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