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Sagicor Financial Company

Sagicor Financial Company

SFC · TO · Financial Services / Insurance - Life

8.39CAD-0.36 (-4.11%)

Price History

Full chart

Market Stats

Previous Close8.75
Open8.68
Day Range8.35 – 8.69
52-Week Range7.45 – 10.17
Volume35.96K
Market Cap1.10B
P/E (TTM)6.82
Forward P/E5.85
EPS1.19
Dividend Yield5.14%
Beta0.03
50-Day Avg8.69
200-Day Avg9.02

About

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 Details

  • SectorFinancial Services
  • IndustryInsurance - Life
  • CEOMr. Andre Mousseau
  • Employees5.60K
  • HeadquartersCecil F De Caires Building, St Michael, Barbados, Canada
  • Websitehttps://www.sagicor.com

Leadership

  • Mr. Andre MousseauPresident, CEO & Director
  • Mr. George Sipsis BMSC, C.F.A.Executive Vice President of Corporate Development & Capital Markets
  • Mr. Christopher W. Zacca B.Sc., CD, J.P., M.B.A.President & CEO of Sagicor Group Jamaica Limited · b. 1960
  • Mr. Nari T. Persad B.Sc., F.S.A.Group Chief Actuary
  • Mr. David A. Noel C.F.A., L.L.B.Executive VP & COO
  • Mr. Neil Freyke B.A., M.B.A.Executive VP of Technology & Chief Digital Officer
  • Ms. Althea C. Hazzard FCIS, L.L.B., L.L.M., LLM (Cantab), MICAExecutive VP, General Counsel & Corporate Secretary · b. 1964
  • Ms. Ingrid Card B.Sc., B.Sc. (Hons), M.B.A.VP of Group Marketing, Corporate Communications & Brand Experience
  • Ms. Paula Walcott B.Sc., M.Sc.Chief People Officer
  • Mr. J. Andrew Gallagher CERA, F.S.A., FCIACEO & Chief Risk Officer of Sagicor Reinsurance Bermuda Limited · b. 1962

Financials

Income Statement

Currency: USD2012-12-312013-12-312014-12-312015-12-312016-12-312017-12-312018-12-312019-12-312020-12-312021-12-312022-12-312023-12-312024-12-312025-12-31
Total Revenue1.01B1.01B996.89M1.08B1.10B1.95M4.39M1.87B1.91B2.36B80.70M1.78B1.50B3.06B
Growth (%)-+0.66%-1.52%+8.34%+2.05%-99.82%+125.37%+42534.01%+1.77%+23.62%-96.57%+2107.94%-15.87%+104.45%
Cost of Revenue---------1.49B-196.80M23.65M756.41M1.55B
Gross Profit1.01B1.01B996.89M1.08B1.10B1.95M4.39M1.87B1.91B868.64M277.50M1.76B742.59M3.06B
Gross Margin100.00%100.00%100.00%100.00%100.00%100.00%100.00%100.00%100.00%36.88%343.87%98.67%49.54%100.00%
Operating Expense848.15M851.16M233.74M251.89M255.33M18.78M-206.60M1.90B1.96B784.19M389.90M227.75M552.48M2.88B
Operating Income157.46M161.12M763.15M828.18M846.85M-16.83M210.99M-31.89M-56.63M84.45M-112.40M1.53B190.12M183.96M
Operating Margin15.66%15.92%76.55%76.68%76.83%-863.80%4804.62%-1.70%-2.97%3.59%-139.29%85.89%12.68%6.00%
EBITDA88.10M11.90M1.54B1.67B1.71B-16.83M-309.50K294.65M-17.07M383.44M-20.17M834.01M361.61M427.73M
EBITDA Margin8.76%1.18%154.83%154.60%154.96%-863.80%-7.05%15.74%-0.90%16.28%-24.99%46.81%24.12%13.96%
Net Income51.56M37.60M52.20M54.79M59.22M-14.78M-1.44M42.56M-2.25M132.56M-164.39M532.06M97.47M68.11M
Net Income Margin5.13%3.71%5.24%5.07%5.37%-758.57%-32.74%2.27%-0.12%5.63%-203.71%29.86%6.50%2.22%
Interest Expense---0022.42M095.86M86.17M86.01M61.28M105.64M141.91M211.45M
Interest Expense % of Total Revenue---0.00%0.00%1150.72%0.00%5.12%4.52%3.65%75.94%5.93%9.47%6.90%

Balance Sheet

Currency: USD2012-12-312013-12-312014-12-312015-12-312016-12-312017-12-312018-12-312019-12-312020-12-312021-12-312022-12-312023-12-312024-12-312025-12-31
Total Assets5.55B5.30B6.18B6.40B7.33315.16M307.97M8.73B9.27B10.31B10.62B22.38B22.77B25.09B
Total Liabilities485.18M602.21M659.04M737.94M744.73M329.93M323.69M6.98B7.61B9.22B9.88B21.06B21.45B23.66B
Total Equity576.70M506.44M532.06M507.43M7.33-14.77M-15.72M1.16B1.11B1.13B1.08B970.93M959.69M1.03B
Cash184.00M226.37M402.52M250.49M279.07M1.53M231.83K273.07M359.97M359.98M368.14M486.64M442.49M451.45M
Total Debt485.18M602.21M659.04M737.94M744.73M688.50M875.31M576.93M860.77M725.25M667.57M985.81M990.09M1.74B
Net Debt-184.00M375.84M256.52M487.45M465.66M686.97M875.08M287.01M500.80M365.27M299.43M499.16M547.59M1.28B

Cash Flow

Currency: USD2010-12-312012-12-312013-12-312014-12-312015-12-312016-12-312017-12-312018-12-312019-12-312020-12-312021-12-312022-12-312023-12-312024-12-312025-12-31
Operating Cash Flow--19.27M-36.59M130.42M-113.44M81.72M-584.38K46.26M41.48M-99.11M124.88M-154.50M-39.61M214.23M1.52B
Investing Cash Flow--36.60M68.48M69.30M-60.77M-22.46M-311.67M-8.04M-44.37M-24.40M36.16M-26.62M6.52M-14.04M-15.70M
Financing Cash Flow-5.42M13.13M-25.05M121.80M-127.39M313.79M-51.34M443.86M-98.85M140.47M-65.27M239.53M-64.25M-46.14M
Capital Expenditure021.59M19.90M23.32M18.18M20.34M18.85M13.94M12.23M18.83M14.95M21.80M27.43M17.43M10.61M
Free Cash Flow--40.86M-56.49M107.10M-131.62M61.38M-584.38K-15.19M29.24M-117.94M109.93M-176.30M-67.04M196.80M1.51B
Dividends Paid-19.64M19.66M19.62M19.64M18.64M14.95M14.96M15.00M33.28M32.55M32.15M31.99M30.18M37.27M
FCF to OCF-212.07%154.38%82.12%116.02%75.11%100.00%-32.83%70.51%119.00%88.03%114.11%169.26%91.87%99.30%
Dividend Paid to FCF--48.06%-34.80%18.32%-14.92%30.36%-2558.28%-98.49%51.30%-28.22%29.61%-18.24%-47.72%15.33%2.46%

Earnings

Report DateMar 31, 2020Jun 30, 2020Nov 13, 2020Mar 30, 2021May 14, 2021Aug 13, 2021Nov 15, 2021Mar 21, 2022May 13, 2022Aug 12, 2022Nov 10, 2022Mar 27, 2023May 15, 2023Aug 14, 2023Nov 13, 2023Mar 29, 2024May 13, 2024Aug 14, 2024Nov 14, 2024Mar 14, 2025May 13, 2025Aug 13, 2025Nov 13, 2025Mar 11, 2026May 13, 2026Aug 12, 2026Nov 12, 2026
EPS Estimate----0.130.130.160.210.320.210.260.240.380.140.110.260.190.240.230.250.260.260.280.260.330.360.36
EPS Actual-0.27-0.00-0.030.260.260.080.430.290.380.310.230.090.070.120.090.350.18-0.390.580.530.07-0.060.81-0.14-0.350.34-
Surprise----100.00%-38.46%168.75%38.10%18.75%47.62%-11.54%-62.50%-81.58%-14.29%-18.18%34.62%-5.26%-262.50%152.17%108.39%-73.08%-123.08%189.29%-154.38%-206.06%-5.56%-
Timing---After-hoursAfter-hoursAfter-hoursPre-marketPre-marketPre-marketAfter-hoursAfter-hoursPre-marketAfter-hoursPre-marketPre-marketAfter-hoursAfter-hoursAfter-hoursPre-marketAfter-hoursAfter-hoursAfter-hoursPre-marketAfter-hoursAfter-hoursAfter-hoursAfter-hours

Key Statistics & Ratios

Market Cap1.10B
Enterprise Value3.29B
Trailing P/E6.82
Forward P/E5.85
Price / Sales0.70
Price / Book0.78
EPS1.19
Book Value10.64
Revenue (TTM)1.57B
Gross Profit (TTM)841.98M
EBITDA465.94M
Profit Margin7.55%
Operating Margin37.94%
Return on Equity11.25%
Return on Assets1.12%
Shares Outstanding135.87M
Shares Float90.81M
Beta0.03
Dividend Yield5.14%
Dividend Rate0.42
Payout Ratio61.80%

Dividends

20263×
0.10Aug 26, 20260.10May 27, 20260.10Mar 26, 2026
20254×
0.10Nov 25, 20250.09Aug 27, 20250.09May 26, 20250.10Mar 27, 2025
20244×
0.08Nov 26, 20240.08Aug 27, 20240.08May 29, 20240.08Apr 9, 2024
20234×
0.08Nov 21, 20230.08Aug 22, 20230.08May 23, 20230.08Apr 3, 2023
20224×
0.08Nov 22, 20220.07Aug 24, 20220.07May 24, 20220.07Apr 1, 2022
20214×
0.07Nov 25, 20210.07Aug 27, 20210.07May 21, 20210.07Mar 30, 2021
20201×
0.07Nov 24, 2020