Sagicor Financial Company Ltd.
Sagicor Financial Company Ltd. Fundamental Analysis
Sagicor Financial Company Ltd. (SFC.TO) shows weak financial fundamentals with a PE ratio of 31.69, profit margin of 1.16%, and ROE of 2.58%. The company generates $2.3B in annual revenue with weak year-over-year growth of 1.04%.
Key Strengths
Areas of Concern
The stock receives a Fundamental Health Score of 41.4/100 based on profitability, valuation, growth, and balance sheet metrics. The D grade reflects weak fundamentals and significant financial concerns.
Fundamental Health Score
We analyze SFC.TO's fundamental strength across five key dimensions:
Efficiency Score
WeakSFC.TO struggles to generate sufficient returns from assets.
Valuation Score
ModerateSFC.TO shows balanced valuation metrics.
Growth Score
WeakSFC.TO faces weak or negative growth trends.
Financial Health Score
WeakSFC.TO carries high financial risk with limited liquidity.
Profitability Score
ModerateSFC.TO maintains healthy but balanced margins.
Key Financial Metrics
Is SFC.TO Expensive or Cheap?
P/E Ratio
SFC.TO trades at 31.69 times earnings. This suggests a premium valuation.
PEG Ratio
When adjusting for growth, SFC.TO's PEG of -0.66 indicates potential undervaluation.
Price to Book
The market values Sagicor Financial Company Ltd. at 0.85 times its book value. This may indicate undervaluation.
EV/EBITDA
Enterprise value stands at 0.72 times EBITDA. This is generally considered low.
How Well Does SFC.TO Make Money?
Net Profit Margin
For every $100 in sales, Sagicor Financial Company Ltd. keeps $1.16 as profit after all expenses.
Operating Margin
Core operations generate 5.59 in profit for every $100 in revenue, before interest and taxes.
ROE
Management delivers $2.58 in profit for every $100 of shareholder equity.
ROA
Sagicor Financial Company Ltd. generates $0.10 in profit for every $100 in assets, demonstrating efficient asset deployment.
Following the Money - Real Cash Generation
Operating Cash Flow
Sagicor Financial Company Ltd. generates strong operating cash flow of $816.05M, reflecting robust business health.
Free Cash Flow
Sagicor Financial Company Ltd. generates strong free cash flow of $803.80M, providing ample flexibility for dividends, buybacks, or growth.
FCF Per Share
Each share generates $5.90 in free cash annually.
FCF Yield
SFC.TO converts 95.90% of its market value into free cash.
Financial Ratios Analysis
Valuation Ratios
P/E Ratio
Price to earnings ratio
31.69
vs 25 benchmark
PEG Ratio
Price/earnings to growth ratio
-0.66
vs 25 benchmark
P/B Ratio
Price to book value ratio
0.85
vs 25 benchmark
P/S Ratio
Price to sales ratio
0.37
vs 25 benchmark
Financial Health
Debt/Equity
Total debt to shareholders' equity
1.09
vs 25 benchmark
Current Ratio
Current assets to current liabilities
0.00
vs 25 benchmark
Efficiency Ratios
ROE
Return on equity percentage
0.03
vs 25 benchmark
ROA
Return on assets percentage
0.001
vs 25 benchmark
ROCE
Return on capital employed
0.005
vs 25 benchmark
How SFC.TO Stacks Against Its Sector Peers
| Metric | SFC.TO Value | Sector Average | Performance |
|---|---|---|---|
| P/E Ratio | 31.69 | 19.14 | Worse (Expensive) |
| ROE | 2.58% | 804.00% | Weak |
| Net Margin | 1.16% | -7764.00% (disorted) | Weak |
| Debt/Equity | 1.09 | 2.41 | Strong (Low Leverage) |
| Current Ratio | 0.00 | 561.20 | Weak Liquidity |
| ROA | 0.10% | -21170.00% (disorted) | Weak |
SFC.TO outperforms its industry in 1 out of 6 key metrics, but lagging in P/E Ratio.
Historical Growth Performance
5-Year Growth Trajectory
This section reviews Sagicor Financial Company Ltd.'s 5-year compound annual growth rate (CAGR) and compares its performance against the typical investment style of its industry.
Revenue CAGR
75.28%
Industry Style: Value, Dividend, Cyclical
High GrowthEPS CAGR
3404.45%
Industry Style: Value, Dividend, Cyclical
High GrowthFCF CAGR
1776.01%
Industry Style: Value, Dividend, Cyclical
High Growth