# Sagicor Financial Company Ltd. (SFC.TO) fundamentals

Data as of 2026-09-08. TSX, Canada. Sector: Financial Services / Insurance. Price C$9.37, market value C$1.3 billion.

## Valuation
- **P/E (trailing): 8.0×** (5-yr avg 8.6×, 3-yr avg 9.6×). Sagicor Financial Company Ltd. trades at 8.0× trailing earnings, close to its own five-year average of 8.6×. The Financial Services median in the September 2026 study was 13.1×. Forward P/E is 6.2×, lower than trailing, so analysts expect earnings to grow.
- **Price / sales: 0.3×**. Each dollar of revenue is priced at 0.3×, a low multiple typical of thin-margin businesses or out-of-favour stocks.
- **Price / book: 0.9×**. The shares trade below book value, which can signal a bargain or a balance sheet the market doubts.
- **Free-cash-flow yield: 65.1%** (5-yr avg 24.0%). Free cash flow equals 65.1% of the market value, above its five-year average of 24.0%, so the shares are cheaper on cash than they have usually been. Above 5% is generally attractive.
- **Earnings yield: 12.5%**. The inverse of the P/E: 12.5% of the price is earned each year.

## Profitability
- **Net margin: 2.2%**. 2.2% of each dollar of sales reaches the bottom line.
- **Return on equity: 6.6%**. 6.6% on shareholders' equity is weak; the business earns little on the capital its owners have in it.
- **Return on assets: 0.5%**. Each dollar of assets produces 0.5% of profit; low single digits are normal for banks and insurers.

## Growth
- **Revenue growth (1 yr): 104.4%** (3-yr 236.1%/yr, 5-yr 10.0%/yr). Revenue grew 104.4% over the last year, against 10.0% a year compounded over five years: growth is accelerating.
- **EPS growth (1 yr): -27.9%**. Earnings per share fell 27.9%, slower than revenue, so margins compressed.

## Financial health
- **Piotroski F-score: 7/9**. 7 of 9 fundamental checks pass: strong and improving financials.
- **Cash and short-term investments: C$623 million**. Leverage ratios are shown differently for banks and insurers, whose balance sheets are built on deposits and reserves; use return on equity and the regulatory capital in the filings instead.

## Dividends
- **Dividend yield: 4.44%** (C$0.42 per share, trailing). Sagicor Financial Company Ltd. yields 4.44%, an income-level yield.
- **Payout ratio: 55%**. 55% of earnings goes out as dividends, leaving room to keep raising it.
- **Consecutive years of increases: 4**. 4 straight years of increases.
- **Dividend growth (5 yr): 4.5%/yr** (1-yr 14.9%). The dividend has grown 4.5% a year over five years.
- **Shareholder yield: 5.1%**. Dividends plus net buybacks return 5.1% of the market value a year.

## Price and momentum
- **Total return (1 yr): 19.0%** (YTD 1.2%, 3-mo 16.1%). The shares are up 19.0% over twelve months including dividends.
- **From 52-week high: -11.0%** (20.1% above the low). Trading 11% below its 52-week high.
- **200-day average: above**. The price sits above its 200-day moving average, the usual definition of an uptrend.
- **RSI (14-day): 63**. An RSI of 63 is neutral.
- **Beta (1 yr): 0.50** (volatility 28%). Beta of 0.50 against the S&P/TSX Composite: the shares move much less than the market.

Live score and charts: https://foliofundamentals.com/analyzer?s=SFC.TO · Page: https://foliofundamentals.com/stocks/sfc.to

Not investment advice.