Sagicor Financial Co Ltd is a financial services provider in the Caribbean. The firm offers various products and services, including life, health, and general insurance, annuities, pension administration, banking, and investment management. Sagicor operates through the following segments; Sagicor Jamaica, Sagicor Life USA, Sagicor Canada, and Sagicor Life. Geographically, the firm operates in Jamaica, the United States, Canada, Barbados, Trinidad and Tobago, and other countries in the Caribbean. The company derives a majority of its revenue from Canada.

Financial Strength

4/10

Name	Current	Vs Industry
Cash-To-Debt	0.5
Equity-to-Asset	0.04
Debt-to-Equity	1.01
Debt-to-EBITDA	1.18
Interest Coverage	7.34
Piotroski F-Score	5/9	0 1 2 3 4 5 6 7 8 9
Beneish M-Score	3.58	Manipulator Not Manipulator
WACC vs ROIC		WACC ROIC

Growth Rank

2/10

	Name	Current	Vs Industry		Vs History
	3-Year EBITDA Growth Rate	80.6
	3-Year EPS without NRI Growth Rate	95.6
	3-Year FCF Growth Rate	15
	3-Year Book Growth Rate	-1.7

Momentum Rank

1/10

	Name	Current	Vs Industry		Vs History
	5-Day RSI	57.44
	9-Day RSI	50.31
	14-Day RSI	49.29
	6-1 Month Momentum %	26.09
	12-1 Month Momentum %	45

Liquidity Ratio

	Name	Current	Vs Industry		Vs History

Dividend & Buy Back

	Name	Current	Vs Industry		Vs History
	Dividend Yield %	4.51
	Dividend Payout Ratio	0.06
	3-Year Dividend Growth Rate	1.6
	Forward Dividend Yield %	4.77
	5-Year Yield-on-Cost %	4.59
	3-Year Average Share Buyback Ratio	1.2
	Shareholder Yield %	-6.06

Profitability Rank

5/10

	Name	Current	Vs Industry		Vs History
	Net Margin %	27.77
	FCF Margin %	-3.56
	ROE %	96.75
	ROA %	4.02
	ROIC %	5.38
	Years of Profitability over Past 10-Year	2

GF Value Rank

8/10

	Name	Current	Vs Industry		Vs History
	PE Ratio	1.34
	Forward PE Ratio	6.14
	PE Ratio without NRI	1.34
	Price-to-Owner-Earnings	5.51
	PS Ratio	0.37
	PB Ratio	0.71
	Price-to-Tangible-Book	0.82
	EV-to-EBIT	1.59
	EV-to-EBITDA	1.49
	EV-to-Revenue	0.65
	EV-to-Forward-Revenue	0.28
	EV-to-FCF	-17.62
	Price-to-Projected-FCF	1.81
	Price-to-Graham-Number	0.23
	Earnings Yield (Greenblatt) %	63.42
	FCF Yield %	-9.42

GF Value: C$10.44

TSX:SFC

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