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Sagicor Financial Company Ltd. (SFC.TO)
St Michael, MD, BB
Sagicor Financial Co. Ltd. is a financial and insurance company, which engages in the provision of financial services in the Caribbean. It operates through the following segments: Sagicor Canada, Sagicor Life USA, Sagicor Jamaica, Sagicor Life, and Head Office and Other. The Sagicor Canada segment is involved in the individual life insurance, annuities, segregated funds, and accident and sickness insurance business throughout Canada. The Sagicor Life USA segment focuses on life insurance and annuity business in certain states of the USA. The Sagicor Jamaica segment consists of life, health, annuity, property and casualty insurance, pension administration services, banking and financial services, and real estate investment services in Jamaica, The Cayman Islands, Panamá, Costa Rica, and USA. The Sagicor Life segment refers to life, health, annuity, property and casualty insurance, and pension administration services in Barbados, Eastern Caribbean, Dutch Caribbean, Bahamas, Belize, and Trinidad and Tobago. The Head Office and Other segment includes technology, risk management, human resources, corporate development and capital markets, finance, and other support groups. The company was founded by Vincent John Hemmer, Azim Jamal, Anthony Lacavera, Lee Lau, Nadir H. Mohamed, Joseph M. Natale, Helmut Swarovski, and Donald J. Walker on February 8, 2017 and is headquartered in Wildey, Barbados.
No mergers or acquisitions recorded for this company.
| Indicator | 1D | 1W | 2W | 3W | 1M |
|---|
Day Score & sub-scores
Statistical fingerprint & regime detail
Conditional historical analysis
Customize analysis (advanced)
| 1D | 5D | 1M | 3M | 6M | YTD | 1Y | 3Y | 5Y | 10Y | Max |
|---|---|---|---|---|---|---|---|---|---|---|
| -7.61% | -7.81% | -7.32% | -9.52% | +11.34% | -7.81% | +7.90% | +78.37% | +37.64% | -8.96% | -8.96% |
Revenue flow
Revenue by geography
Revenue by segment
Revenue composition
By product
By geography
Income Statement
Balance Sheet
Cash Flow Statement
Key Metrics
Financial Ratios
Employees
Financial Growth (CAGR)
Market Data
DCF figures are point estimates: small changes in growth or discount-rate assumptions move them materially. Read them as a reference, not a precise target.
| Rating | 2026-05 | Change |
|---|---|---|
| Strong Buy | 3 | 0 |
| Buy | 1 | 0 |
| Hold | 0 | 0 |
| Sell | 0 | 0 |
| Strong Sell | 0 | 0 |
-
Revenue growth Insurance - Diversified: +15.2%+104.5% ★ Q1'26: +84.0% (vs Q1'25)
-
EPS growth Insurance - Diversified: +25.3%-27.9% Q1'26: -620.8% (vs Q1'25)
-
FCF margin FCF growth · Insurance - Diversified: +30.2%+24.8% Q1'26: +55.6% (vs Q1'25)
-
EBIT margin Insurance - Diversified: +13.5%+13.0% Q1'26: +5.8% (vs Q1'25)
-
ROIC Insurance - Diversified: +4.2%+9.6% ★ Q1'26: +5.8% (vs Q1'25)
-
Share dilution Insurance - Diversified: +0.0%-2.6% ★ Q1'26: -2.9% (vs Q1'25)
-
Debt / EBITDA Net debt/EBITDA · Insurance - Diversified: -0.05×4.06× Q1'26: 7.59× (vs Q1'25)
* These projections are based on analyst consensus estimates and user-defined valuation multiples. This table is for informational purposes only and does not constitute a recommendation to buy or sell any security. Past performance is not indicative of future results.
| Metric |
Dec 2021 actual |
Dec 2022 actual |
Dec 2023 actual |
Dec 2024 actual |
Dec 2025 actual |
Dec 2026 1 Rev. Ana. 1 EPS Ana. |
Dec 2027 1 Rev. Ana. 4 EPS Ana. |
|---|---|---|---|---|---|---|---|
| Revenue |
2.36B
est: 2.96B (-20.5%)
|
80.70M
est: 3.62B (-97.8%)
|
1.78B
est: 3.49B (-49.0%)
|
1.50B
est: 3.57B (-58.1%)
|
3.06B
est: 3.06B (+0.0%)
|
3.74B
3.74B – 3.74B
+21.9% YoY
|
4.55B
4.55B – 4.55B
+21.9% YoY
|
| EBITDA |
383.44M
est: 363.18M (+5.6%)
|
-20.17M
est: 444.10M (-104.5%)
|
834.01M
est: 428.49M (+94.6%)
|
361.61M
est: 544.49M (-33.6%)
|
427.73M
est: 466.89M (-8.4%)
|
569.09M
569.09M – 569.09M
+21.9% YoY
|
693.66M
693.66M – 693.66M
+21.9% YoY
|
| EBIT |
350.74M
est: 85.56M (+309.9%)
|
-51.12M
est: 104.63M (-148.9%)
|
779.08M
est: 100.95M (+671.8%)
|
332.03M
est: 217.49M (+52.7%)
|
398.64M
est: 186.49M (+113.8%)
|
227.31M
227.31M – 227.31M
+21.9% YoY
|
277.07M
277.07M – 277.07M
+21.9% YoY
|
| Net Income |
132.56M
est: 119.38M (+11.0%)
|
-164.39M
est: 137.83M (-219.3%)
|
532.06M
est: 57.25M (+829.3%)
|
97.47M
est: 86.45M (+12.7%)
|
68.11M
est: 138.28M (-50.7%)
|
138.09M
138.09M – 138.09M
-0.1% YoY
|
155.46M
146.81M – 166.17M
+12.6% YoY
|
| SGA |
349.79M
est: 2.34B (-85.1%)
|
263.21M
est: 2.86B (-90.8%)
|
289.74M
est: 2.76B (-89.5%)
|
298.43M
est: 2.70B (-88.9%)
|
—
est: 2.31B (-100.0%)
|
2.82B
2.82B – 2.82B
+21.9% YoY
|
3.43B
3.43B – 3.43B
+21.9% YoY
|
| EPS |
0.92
est: 0.83 (+10.7%)
|
-1.15
est: 0.96 (-219.8%)
|
3.74
est: 0.40 (+838.1%)
|
0.70
est: 0.62 (+13.3%)
|
0.50
est: 0.99 (-49.4%)
|
0.99
0.99 – 0.99
-0.1% YoY
|
1.11
1.05 – 1.19
+12.6% YoY
|
| Date | Rating | Overall | DCF | ROE | ROA | D/E | P/E | P/B |
|---|---|---|---|---|---|---|---|---|
| 2026-05-11 | C | 2/5 | 1/5 | 2/5 | 2/5 | 1/5 | 2/5 | 3/5 |
| 2026-05-08 | C | 2/5 | 1/5 | 2/5 | 2/5 | 1/5 | 2/5 | 3/5 |
| 2026-05-07 | C | 2/5 | 1/5 | 2/5 | 2/5 | 1/5 | 2/5 | 3/5 |
| 2026-05-06 | C | 2/5 | 1/5 | 2/5 | 2/5 | 1/5 | 2/5 | 3/5 |
| 2026-05-05 | C | 2/5 | 1/5 | 2/5 | 2/5 | 1/5 | 2/5 | 3/5 |
| 2026-05-04 | C | 2/5 | 1/5 | 2/5 | 2/5 | 1/5 | 2/5 | 3/5 |
| 2026-05-01 | C+ | 2/5 | 1/5 | 2/5 | 3/5 | 1/5 | 2/5 | 3/5 |
| 2026-04-30 | C+ | 2/5 | 1/5 | 2/5 | 3/5 | 1/5 | 2/5 | 3/5 |
| 2026-04-29 | C+ | 2/5 | 1/5 | 3/5 | 3/5 | 1/5 | 2/5 | 3/5 |
| 2026-04-28 | C+ | 2/5 | 1/5 | 3/5 | 3/5 | 1/5 | 2/5 | 3/5 |
| 2026-04-27 | C+ | 2/5 | 1/5 | 3/5 | 3/5 | 1/5 | 2/5 | 3/5 |
| 2026-04-24 | C+ | 2/5 | 1/5 | 3/5 | 3/5 | 1/5 | 2/5 | 3/5 |
| 2026-04-23 | C+ | 2/5 | 1/5 | 3/5 | 3/5 | 1/5 | 2/5 | 3/5 |
| 2026-04-22 | C+ | 2/5 | 1/5 | 3/5 | 3/5 | 1/5 | 2/5 | 3/5 |
| 2026-04-21 | B- | 2/5 | 1/5 | 3/5 | 4/5 | 1/5 | 2/5 | 3/5 |
| 2026-04-20 | B- | 2/5 | 1/5 | 3/5 | 4/5 | 1/5 | 2/5 | 3/5 |
| 2026-04-17 | B- | 3/5 | 1/5 | 3/5 | 4/5 | 1/5 | 3/5 | 3/5 |
| 2026-04-16 | B- | 3/5 | 1/5 | 3/5 | 4/5 | 1/5 | 3/5 | 3/5 |
Owner Earnings
Ownership Overview
Ownership breakdown not available.
No beneficial ownership filings recorded.
Institutional Activity (13F)
Institutional history not available.
Top holders not available.
ETF Ownership
| # | ETF | Weight | Est. AUM exposure | TER |
|---|---|---|---|---|
| 1 | Schwab Fundamental International Small Company Index ETF FNDC | 0.02% | 559.9K | 0.39% |
Insider Activity
No insider activity available.
Insider history not available.
No recent insider transactions.
Executive team
Executive compensation
Executive compensation not available.
No CEO compensation history available.
Proxy statements
No proxy statements available for this company yet.
Recent SEC filings
No SEC filings available for this company yet.
Executive team
| Name | Title | Compensation | Gender |
|---|---|---|---|
| Andre Mousseau | President, Chief Executive Officer & Director | 2M | male |
| Christopher W. Zacca | President & Chief Executive Officer of Sagicor Group Jamaica Limited | 2M | male |
| Kathryn Jenkins | Group Chief Financial Officer | 1M | female |
| Nari T. Persad | Group Chief Actuary | 1M | male |
| George Sipsis | Executive Vice President of Corporate Development & Capital Markets | 929.0K | male |
| Althea C. Hazzard FCIS MICA | Executive Vice President, General Counsel & Corporate Secretary | — | female |
| Paula Walcott | Chief People Officer | — | female |
| David A. Noel | Executive Vice President & Chief Operating Officer | — | male |
| Ingrid Card | Vice President of Group Marketing, Corporate Communications & Brand Experience | — | female |
| J. Andrew Gallagher CERA FCIA | Chief Executive Officer & Chief Risk Officer of Sagicor Reinsurance Bermuda Limited | — | male |
| Neil Freyke | Executive Vice President of Technology & Chief Digital Officer | — | male |
No data available for this company.
No Senate trading activity found for this company.
No House trading activity found for this company.
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Community Opinion for SFC.TO
Short-term intention
Target Price Distribution
These are community opinions and do not constitute buy or sell advice to act on. The results shown are based on aggregated opinions and are not an investment recommendation, nor do they intend to influence any investment decision.
