SFC.TO

Sagicor Financial Company Ltd. [SFC.TO] Stock Forecast

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SFC.TO Stock Summary

Earnings have grown 8.11% per last year.

SFC.TO's dividend payments are well covered by cash flows with cash payout ratio of 8.66%.

Has a high level of debt. Debt-to-Equity ratio of 23.43 is considered high.

Earnings are expected to fall -100% next year

Unstable dividend track record

EPS has been decreasing for the past 3 quarters (Quarter statements)

Profit margins (0.05%) are lower than the previous year (0.07%)

SFC.TO has less than 1 year of cash runway

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SFC.TO Financial details

Company Rating

Strong Buy

Market Cap

699.24M

Income

115.34M

Revenue

2.26B

Book val./share

3.04

Cash/share

2.73

Dividend

0.07

Dividend %

1.98%

Employees

4.55K

Optionable

Shortable

Yes

Earnings

10 Aug 2023

P/E

4.51

Forward P/E

PEG

-1.13

P/S

0.23

P/B

1.22

P/C

1.73

P/FCF

3.99

Quick Ratio

2.02

Current Ratio

2.02

Debt / Equity

23.43

LT Debt / Equity

1.59

EPS (TTM)

0.82

EPS next Y

EPS next Q

EPS this Y

-12.5%

EPS next Y

EPS next 5Y

EPS last 5Y

NAN%

Revenue last 5Y

320%

Revenue Q/Q

-26.51%

EPS Q/Q

-71.65%

SMA20

SMA50

SMA100

Inst Own

Inst Trans

ROA

ROE

13%

ROC

0.03%

Gross Margin

100%

Oper. Margin

12%

Profit Margin

Payout

28%

Shs Outstand

142.7M

Shs Float

139.96M

Target Price

52W Range

4.69-6.75

52W High

-21.5%

52W Low

+17.75%

RSI

Rel Volume

0.28

Avg Volume

27K

Volume

7.46K

Perf Week

-3.88%

Perf Month

-5.8%

Perf Quarter

-15.14%

Perf Half Y

-16.64%

Beta

0.309842

Volatility

0.08%, 0.06%

Prev Close

-4.46%

Price

4.71

Change

-4.85%

SFC.TO Financial Performance

Yearly Fundamentals Overview

Last date of statement is 2022-12-31

Metric	2018-03-31	2019-12-31	2020-12-31	2021-12-31	2022-12-31
Revenue per share	0.16	0	12.89	16.26	17.82
Net income per share	-2.96	0	-0.1	1.36	1.19
Operating cash flow per share	-0.05	0	-0.67	0.86	-1.08
Free cash flow per share	-0.05	0	-0.8	0.76	-1.23
Cash per share	0.13	0	2.44	2.48	2.58
Book value per share	-1.25	0	7.52	7.83	7.59
Tangible book value per share	-1.25	0	10.57	10.88	9.78
Share holders equity per share	-1.25	0	7.52	7.83	7.59
Interest debt per share	-1.89	0	6.41	8.65	8.37
Market cap	92.38M	0	742.93M	717.01M	577.01M
Enterprise value	90.85M	287.01M	1.24B	1.52B	1.3B
P/E ratio	-2.63	0	-49.1	3.65	3.4
Price to sales ratio	47.41	0	0.39	0.3	0.23
POCF ratio	-158.09	0	-7.5	5.74	-3.73
PFCF ratio	-158.09	0	-6.3	6.52	-3.27
P/B Ratio	-6.25	0	0.67	0.63	0.53
PTB ratio	-6.25	0	0.67	0.63	0.53
EV to sales	46.63	0.15	0.65	0.65	0.51
Enterprise value over EBITDA	-4.18	1.23	7.48	4.77	3.83
EV to operating cash flow	-155.47	6.92	-12.55	12.2	-8.44
EV to free cash flow	-155.47	9.81	-10.55	13.86	-7.4
Earnings yield	-0.38	0	-0.02	0.27	0.29
Free cash flow yield	-0.01	0	-0.16	0.15	-0.31
Debt to equity	-22.34	6.04	6.85	7.68	8.54
Debt to assets	1.05	0.8	0.82	0.84	0.86
Net debt to EBITDA	0.07	1.23	3.01	2.52	2.14
Current ratio	1.83	1.37	1.74	1.55	1.6
Interest coverage	0.75	2.07	1.47	3.33	3.08
Income quality	0.04	0.25	-3.59	0.47	-0.59
Dividend Yield	0	0	0.04	0.05	0.06
Payout ratio	0	0.14	-2.2	0.17	0.19
Sales general and administrative to revenue	0.73	0.2	0.18	0.15	0.15
Research and developement to revenue	0	0	0	0	0
Intangibles to total assets	0	0.01	0.01	0.01	0.01
Capex to operating cash flow	0	-0.29	0.19	-0.12	0.14
Capex to revenue	0	-0.01	-0.01	-0.01	-0.01
Capex to depreciation	0	-0.34	-0.48	-0.46	-0.7
Stock based compensation to revenue	0	0	0	0	0
Graham number	9.11	0	4.16	15.46	14.24
ROIC	-0.13	0.02	-0.01	0.02	0.02
Return on tangible assets	-0.11	0.01	0	0.02	0.02
Graham Net	-27.69	0	-48.59	-57.09	-61.5
Working capital	696.54K	97.58M	190.45M	165.71M	190.38M
Tangible asset value	-14.77M	1.64B	1.56B	1.58B	1.4B
Net current asset value	-328.39M	-6.62B	-7.16B	-8.24B	-8.75B
Invested capital	0	0.48	0.77	1.03	1.01
Average receivables	0	43.18M	86.64M	97.07M	124.69M
Average payables	293K	115.59M	238.76M	269.68M	301.62M
Average inventory	0	0	0	0	0
Days sales outstanding	0	16.84	16.65	16.61	20.38
Days payables outstanding	0	0	0	0	0
Days of inventory on hand	0	0	0	0	0
Receivables turnover	0	21.68	21.92	21.97	17.91
Payables turnover	0	0	0	0	0
Inventory turnover	0	0	0	0	0
ROE	2.38	0.09	-0.01	0.17	0.16
Capex per share	0	0	-0.13	-0.1	-0.15

Quarterly Fundamentals Overview

Last date of statement is 2023-03-31 for Q1

Metric	2022-03-31	2022-06-30	2022-09-30	2022-12-31	2023-03-31
Revenue per share	4.76	4.72	4.61	3.73	2.78
Net income per share	0.39	0.25	0.27	0.23	0.07
Operating cash flow per share	-1.87	0.95	-0.9	0.74	0.29
Free cash flow per share	-1.89	0.89	-0.93	0.7	0.27
Cash per share	2.81	2.87	35.29	2.58	2.73
Book value per share	7.86	7.5	7.25	7.59	3.04
Tangible book value per share	11.54	10.9	9.99	9.78	5.24
Share holders equity per share	7.86	7.5	7.25	7.59	3.04
Interest debt per share	5.17	5.17	4.9	7.86	5.04
Market cap	744.06M	715.88M	621.35M	577.01M	505.04M
Enterprise value	1.06B	1.02B	957.8M	1.3B	800.61M
P/E ratio	3.33	5.1	4.01	4.46	13.75
Price to sales ratio	1.09	1.06	0.94	1.08	1.29
POCF ratio	-2.78	5.28	-4.85	5.46	12.34
PFCF ratio	-2.75	5.64	-4.7	5.78	13.4
P/B Ratio	0.66	0.67	0.6	0.53	1.18
PTB ratio	0.66	0.67	0.6	0.53	1.18
EV to sales	1.56	1.51	1.46	2.45	2.04
Enterprise value over EBITDA	11.65	9.96	11.25	21.08	17.63
EV to operating cash flow	-3.96	7.52	-7.47	12.35	19.56
EV to free cash flow	-3.91	8.03	-7.24	13.06	21.24
Earnings yield	0.08	0.05	0.06	0.06	0.02
Free cash flow yield	-0.36	0.18	-0.21	0.17	0.07
Debt to equity	7.87	8.44	8.81	8.54	23.43
Debt to assets	0.84	0.85	0.86	0.86	0.93
Net debt to EBITDA	3.46	2.97	3.95	11.76	6.51
Current ratio	1.45	1.55	17.58	1.6	2.02
Interest coverage	3.71	3.78	2.95	2.04	1.31
Income quality	-3.57	1.76	-1.99	2.27	2.41
Dividend Yield	0	0.02	0.01	0.01	0
Payout ratio	0	0.46	0.21	0.25	0
Sales general and administrative to revenue	0.13	0.16	0.15	0.18	0.16
Research and developement to revenue	0	0	0	0	0
Intangibles to total assets	0.01	0.01	0.01	0.01	0.01
Capex to operating cash flow	0.01	-0.06	0.03	-0.05	-0.08
Capex to revenue	0	-0.01	-0.01	-0.01	-0.01
Capex to depreciation	-0.43	-1.06	-0.53	-0.79	-0.53
Stock based compensation to revenue	0	0	0	0	0
Graham number	8.31	6.44	6.65	6.22	2.11
ROIC	0.01	0.01	0	0	0
Return on tangible assets	0.01	0	0	0	0
Graham Net	-58.77	-60.03	-28.16	-61.5	-67.8
Working capital	141.68M	170.85M	4.82B	190.38M	261.27M
Tangible asset value	1.57B	1.44B	1.32B	1.4B	634.77M
Net current asset value	-8.4B	-8.56B	-4B	-8.75B	-9.52B
Invested capital	0.64	0.67	0.65	1.01	1.59
Average receivables	81.8M	63.16M	72.81M	108.93M	137.65M
Average payables	300M	303.82M	290.61M	295.96M	283.65M
Average inventory	0	0	0	0	0
Days sales outstanding	7.45	9.33	10.36	23.99	30.57
Days payables outstanding	0	0	0	0	0
Days of inventory on hand	0	0	0	0	0
Receivables turnover	12.08	9.64	8.69	3.75	2.94
Payables turnover	0	0	0	0	0
Inventory turnover	0	0	0	0	0
ROE	0.05	0.03	0.04	0.03	0.02
Capex per share	-0.02	-0.06	-0.03	-0.04	-0.02

SFC.TO Dividend History

SFC.TO Frequently Asked Questions

What is Sagicor Financial Company Ltd. stock symbol ?

Sagicor Financial Company Ltd. is a BB stock and trading under the symbol SFC.TO

What is Sagicor Financial Company Ltd. stock quote today ?

Sagicor Financial Company Ltd. stock price is $4.71 today.

Is Sagicor Financial Company Ltd. stock public?

Yes, Sagicor Financial Company Ltd. is a publicly traded company.

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Company Profile

Volume Average 27K
Market Capitalization 699.24M
Employee 4.55K
CEO Mr. Andre Mousseau
Headquarters St Michael,BB
IPO Date 2019-12-09
Website https://www.sagicor.com

Sagicor Financial Company Ltd., together with its subsidiaries, provides insurance products and related financial services in the Caribbean and the United States. It operates through three segments: Sagicor Jamaica, Sagicor Life, and Sagicor USA. The company offers life and health insurance, employee benefits, including group health and group life benefits; and annuities, asset management, and property and casualty insurance. It also provides banking products and services, such as deposits, secured loans, and debit and credit cards. In addition, the company offers pension administration services; commercial banking services, including lending, accepting deposits, trading foreign exchange, and corporate secretarial services. Sagicor Financial Company Ltd. was founded in 1840 and is headquartered in St. Michael, Barbados.