Sagicor Financial Company

SFC.TO

Insurance - Diversified · Financial Services

Price

C$8.77

+0.41 (+4.90%)

Market Cap

C$1.19B

Exchange

Toronto Stock Exchange

Winston Score

Winston is curious

A decent business — some strong pillars, some weaker.

Data as of Aug 23, 2026 · filings through Jun 30, 2026

How the score breaks down

Quality

Good

Growth

Good

Cash Flow

Exceptional

Stability

Mixed

Valuation

Strong

Dividends

Exceptional

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Share count falling — buybacks

−4.6% over 4y

The company has reduced its share count over this period, returning value to shareholders through buybacks.

Diluted shares outstanding: 146.8M (2021) → 139.9M (2025)

Winston Score History

The full picture

Sagicor Financial Company is an insurance and financial services company based in the Caribbean. It sells life insurance, health insurance, annuities, and pension products to individuals and businesses. Sagicor is one of the oldest and largest financial services groups in the Caribbean region, with roots going back over 175 years.

The company earns money through insurance premiums, investment income, and fees from managing pension and annuity products. It operates mainly across the Caribbean, including Jamaica, Barbados, and Trinidad, and also has a presence in the United States through its life insurance segment. Its long history and established brand give it a strong foothold in markets where competition from global insurers is limited. The main risk the company faces is its concentration in small Caribbean economies, which are vulnerable to natural disasters, currency fluctuations, and slow economic growth.

Growth Profile

For growth stock investors

When traditional metrics don't capture the full picture, these are the signals growth stock investors use instead.

Revenue Growth

+283.9% YoY

YoY Growth Rate

Revenue accelerating

EPS Growth

>+1,000% YoY

YoY Growth Rate

EPS growth accelerating

R&D Spend

$0/ year

0.0% of revenue

Below sector average (7%)

Research and development spending

Insider Activity

33.3%ownership

→ Flat

Insider ownership roughly steady over the past year

Cash Position

Cash flow positive

$22.0B cash & investments

Quarterly Free Cash Flow

↑ Burn rate improving

Company generates more cash than it spends — no dilution risk from fundraising

Revenue accelerating

Sagicor Financial Company grew revenue 284% year-over-year and the growth rate is speeding up. That's the kind of momentum growth investors look for — the question is whether margins can follow.

The Winston Score above measures business quality today. Growth stocks often score lower because they invest in the future rather than maximising current profits. These metrics show what matters most for evaluating that future.

Score breakdown

Every number that matters to educated investors.

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Quality

Profit per sale

Gross Margin

78.4%

Premium pricing power — 78.4% gross margin

Profit after running costs

Operating Margin

9.6%

Modest — 9.6% operating margin

Return on the money invested

ROCE

11.1%

Below par — 11.1% return on capital

ROIC between 5% and 15%. They earn 5 to 15 cents back per year on every dollar invested.

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Growth

Sales growth

Sales YoY

+117.2%

Fast-growing sales (+117.2% YoY)

Profit growth

EPS YoY

+8.6%

Earnings growing (+8.6% YoY)

Single-digit earnings growth — steady but not exciting.

How steady the profit is

EPS Consistency

4/8 quarters

Earnings inconsistent quarter-to-quarter

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Cash Flow

Profit that turns into cash

Cash Conversion

910%

Turns 910% of profit into real cash

Spare cash per sale

FCF Margin

32.8%

Converts sales into free cash efficiently (32.8%)

Free cash flow margin above 20%. Out of every $100 in sales, more than $20 is real cash they keep.

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Stability

What it owes vs what it owns

Debt / Equity

0.98

Moderate — manageable debt (0.98)

Covers its interest

Interest Cover

1.07x

Dangerous — barely covers interest (1.1x)

Interest coverage between 1 and 3. Profits cover interest, but with little room to spare.

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Valuation

Price vs profit

P/E Ratio (TTM)

7.4x

Attractive valuation — P/E 7.4

P/E under 10. The price tag is small relative to last year's profit.

Cheaper or dearer next year

P/E vs Forward

+0.4

GROWING

Earnings roughly flat

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Dividends

Dividend

Dividend Yield

4.75%

Healthy income — 4.75% yield

Generous yield. Worth checking whether the payout is sustainable.

Dividend record

Dividend Growth

+10.9%

Dividend growing fast (10.9% YoY)

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