Sagicor Group Jamaica (XJAM:SJ) Cyclically Adjusted Book per Share: JMD25.62 (As of Dec. 2025)


XJAM:SJ Sagicor Group Jamaica Ltd XJAM:SJ
62 GF Score
Price JMD39.70
GF Value JMD48.61
Valuation Modestly Undervalued
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What is Sagicor Group Jamaica Cyclically Adjusted Book per Share?

Sagicor Group Jamaica XJAM:SJ +1.64% 62 Cyclically Adjusted Book per Share is JMD25.62 as of Dec. 2025. GuruFocus rates XJAM:SJ with a GF Score™ of 62/100 and a GF Value™ of JMD48.61 (Modestly Undervalued).

E10 is a concept invented by Prof. Robert Shiller, who uses E10 for his Shiller PE Ratio calculation. E10 is the average of the inflation adjusted earnings of a company over the past 10 years. The similar calculation is applied by GuruFocus to calculate the Cyclically Adjusted Book per Share and the Cyclically Adjusted PB Ratio. The Cyclically Adjusted Book per Share is the average of the inflation adjusted Book Value per Share of a company over the past 10 years.

Sagicor Group Jamaica's adjusted book value per share for the three months ended in Dec. 2025 was JMD29.496. Add all the adjusted book value per share for the past 10 years together and divide the count will get our Cyclically Adjusted Book per Share, which is JMD25.62 for the trailing ten years ended in Dec. 2025.

During the past 12 months, Sagicor Group Jamaica's average Cyclically Adjusted Book Growth Rate was 8.30% per year. Please click Growth Rate Calculation Example (GuruFocus) to see how GuruFocus calculates Wal-Mart Stores Inc (WMT)'s revenue growth rate. You can apply the same method to get the Cyclically Adjusted Book Growth Rate using Cyclically Adjusted Book per Share data.

As of today (2026-07-08), Sagicor Group Jamaica's current stock price is JMD39.70. Sagicor Group Jamaica's Cyclically Adjusted Book per Share for the quarter that ended in Dec. 2025 was JMD25.62. Sagicor Group Jamaica's Cyclically Adjusted PB Ratio of today is 1.55.

During the past 13 years, the highest Cyclically Adjusted PB Ratio of Sagicor Group Jamaica was 2.03. The lowest was 1.48. And the median was 1.67.


Sagicor Group Jamaica  (XJAM:SJ) Cyclically Adjusted Book per Share Explanation

If a company grows much fast than inflation, Cyclically Adjusted Book per Share may underestimate the company's equity. Cyclically Adjusted PB Ratio can seem to be too high even the actual PB Ratio is low.

For the Cyclically Adjusted PB Ratio, the book value of the past 10 years are inflation-adjusted and averaged. The result is used for P/B calculation. Since it looks at the average over the last 10 years, the Cyclically Adjusted PB Ratio is also called CAPB Ratio.

The Shiller PE Ratio was first used by professor Robert Shiller. He uses E10 for his Shiller PE Ratio calculation. E10 is the average of the inflation adjusted earnings per share of a company over the past 10 years. The similar calculation is applied by GuruFocus to calculate the Cyclically Adjusted PB Ratio. The Cyclically Adjusted Book per Share is the average of the inflation adjusted book value per share of a company over the past 10 years.

Sagicor Group Jamaica's Cyclically Adjusted PB Ratio of today is calculated as

Cyclically Adjusted PB Ratio=Share Price/Cyclically Adjusted Book per Share
=39.70/25.62
=1.55

* For Operating Data section: All numbers are indicated by the unit behind each term and all currency related amount are in USD.
* For other sections: All numbers are in millions except for per share data, ratio, and percentage. All currency related amount are indicated in the company's associated stock exchange currency.

During the past 13 years, the highest Cyclically Adjusted PB Ratio of Sagicor Group Jamaica was 2.03. The lowest was 1.48. And the median was 1.67.


Be Aware

Cyclically Adjusted PB Ratio works better for cyclical companies. It gives you a better idea on the company's real book value.


Sagicor Group Jamaica Cyclically Adjusted Book per Share Related Terms


Sagicor Group Jamaica Cyclically Adjusted Book per Share Historical Data

* Premium members only.

The historical data trend for Sagicor Group Jamaica's Cyclically Adjusted Book per Share can be seen below:

* For Operating Data section: All numbers are indicated by the unit behind each term and all currency related amount are in USD.
* For other sections: All numbers are in millions except for per share data, ratio, and percentage. All currency related amount are indicated in the company's associated stock exchange currency.

Sagicor Group Jamaica Cyclically Adjusted Book per Share Chart

Sagicor Group Jamaica Annual Data
Trend Dec16 Dec17 Dec18 Dec19 Dec20 Dec21 Dec22 Dec23 Dec24 Dec25
Cyclically Adjusted Book per Share
Get a 7-Day Free Trial Premium Member Only Premium Member Only 0.00 0.00 22.02 23.66 25.62

Sagicor Group Jamaica Quarterly Data
Mar21 Jun21 Sep21 Dec21 Mar22 Jun22 Sep22 Dec22 Mar23 Jun23 Sep23 Dec23 Mar24 Jun24 Sep24 Dec24 Mar25 Jun25 Sep25 Dec25
Cyclically Adjusted Book per Share Get a 7-Day Free Trial Premium Member Only Premium Member Only Premium Member Only Premium Member Only Premium Member Only Premium Member Only Premium Member Only Premium Member Only Premium Member Only Premium Member Only Premium Member Only Premium Member Only 23.66 24.05 24.67 25.28 25.62

XJAM:SJ vs AFL, MET, PRU: Cyclically Adjusted Book per Share Comparison

For the Insurance - Life subindustry, Sagicor Group Jamaica's Cyclically Adjusted PB Ratio, along with its competitors' market caps and Cyclically Adjusted PB Ratio data, can be viewed below:

* Competitive companies are chosen from companies within the same industry, with headquarter located in same country, with closest market capitalization; x-axis shows the market cap, and y-axis shows the term value; the bigger the dot, the larger the market cap. Note that "N/A" values will not show up in the chart.


Sagicor Group Jamaica Cyclically Adjusted PB Ratio vs Insurance Industry

For the Insurance industry and Financial Services sector, Sagicor Group Jamaica's Cyclically Adjusted PB Ratio distribution charts can be found below:

* The bar in red indicates where Sagicor Group Jamaica's Cyclically Adjusted PB Ratio falls into.


XJAM:SJ
62GF Score
Sagicor Group Jamaica Ltd XJAM:SJ
Cyclically Adjusted Book per Share is just one metric. See GF Score™, valuation, warning signs, and more.
View Full Analysis

Sagicor Group Jamaica Cyclically Adjusted Book per Share Calculation

E10 is a concept invented by Prof. Robert Shiller, who uses E10 for his Shiller PE Ratio calculation. E10 is the average of the inflation adjusted earnings of a company over the past 10 years. The similar calculation is applied by GuruFocus to calculate the Cyclically Adjusted Book per Share and the Cyclically Adjusted PB Ratio. The Cyclically Adjusted Book per Share is the average of the inflation adjusted Book Value per Share of a company over the past 10 years.

What is Cyclically Adjusted Book per Share? How do we calculate Cyclically Adjusted Book per Share?

Cyclically Adjusted Book per Share is the average of the inflation adjusted Book Value per Share of a company over the past 10 years. Let's use an example to explain.

If we want to calculate the Cyclically Adjusted Book per Share of Wal-Mart (WMT) for Dec. 31, 2010, we need to have the inflation data and the book value per share from 2001 through 2010.

We adjusted the 2001 book value per share data with the total inflation from 2001 through 2010 to the equivalent book value in 2010. If the total inflation from 2001 to 2010 is 40%, and Wal-Mart's book value is $1 a share in 2001, then the 2001's equivalent book value in 2010 is $1.4 a share. If Wal-Mart's book value is $1 again in 2002, and the total inflation from 2002 through 2010 is 35%, then the equivalent 2002 book value in 2010 is $1.35. So on and so forth, you get the equivalent book value per share of past 10 years. Then you add them together and divided the sum by the count to get Cyclically Adjusted Book per Share.

Please note that we use the CPI data of the country/region where the company is headquartered. If the CPI data for that country/region is not available, then we will use the CPI data of the United States as default.

For example, Sagicor Group Jamaica's adjusted Book Value per Share data for the three months ended in Dec. 2025 was:

Adj_Book= Book Value per Share /CPI of Dec. 2025 (Change)*Current CPI (Dec. 2025)
=29.496/324.0540*324.0540
=29.496

Current CPI (Dec. 2025) = 324.0540.

Sagicor Group Jamaica Quarterly Data

Book Value per Share CPI Adj_Book
201409 10.747 238.031 14.631
201412 11.795 234.812 16.278
201503 11.687 236.119 16.039
201506 12.174 238.638 16.531
201509 11.266 237.945 15.343
201512 11.924 236.525 16.337
201612 14.534 241.432 19.508
201712 17.636 246.524 23.182
201803 0.000 249.554 0.000
201806 0.000 251.989 0.000
201809 0.000 252.439 0.000
201812 19.074 251.233 24.603
201903 20.395 254.202 25.999
201906 21.244 256.143 26.876
201909 22.657 256.759 28.595
201912 23.393 256.974 29.499
202003 22.327 258.115 28.031
202006 24.029 257.797 30.205
202009 0.000 260.280 0.000
202012 27.262 260.474 33.916
202103 27.142 264.877 33.206
202106 27.355 271.696 32.627
202109 29.316 274.310 34.632
202112 21.925 278.802 25.484
202203 28.074 287.504 31.643
202206 26.799 296.311 29.308
202209 27.169 296.808 29.663
202212 21.425 296.797 23.393
202303 21.404 301.836 22.980
202306 22.353 305.109 23.741
202309 22.775 307.789 23.979
202312 25.488 306.746 26.926
202403 24.761 312.332 25.690
202406 25.187 314.175 25.979
202409 26.257 315.301 26.986
202412 26.184 315.605 26.885
202503 26.716 319.799 27.071
202506 28.263 322.561 28.394
202509 28.896 324.800 28.830
202512 29.496 324.054 29.496

Add all the adjusted book value per share together and divide the count will get our Cyclically Adjusted Book per Share.

What does a Cyclically Adjusted Book per Share of JMD25.62 mean?
Sagicor Group Jamaica (XJAM:SJ) has a Cyclically Adjusted Book per Share of JMD25.62 as of Dec. 2025. Cyclically adjusted book value per share represents the company's inflation-adjusted book value per share over a 10-year period. View historical data on Sagicor Group Jamaica and its competitors.
Is Sagicor Group Jamaica's Cyclically Adjusted Book per Share too high?
Sagicor Group Jamaica's current Cyclically Adjusted Book per Share is JMD25.62. Overall, Sagicor Group Jamaica has a GF Score™ of 62/100 and is considered Modestly Undervalued, reflecting its overall financial health beyond just this single metric.
How does Sagicor Group Jamaica's Cyclically Adjusted Book per Share compare to AFL and MET?
Sagicor Group Jamaica's Cyclically Adjusted Book per Share of JMD25.62 can be compared against companies in the Insurance industry. See the competitive comparison table and distribution chart on this page for a detailed peer-by-peer breakdown.
What is a good Cyclically Adjusted Book per Share for an Insurance company?
A good Cyclically Adjusted Book per Share depends on the Insurance industry context. However, Cyclically Adjusted Book per Share should not be evaluated in isolation — investors should consider it alongside profitability, growth, and financial strength metrics. Use the industry distribution chart on this page to see where any company falls relative to its peers.
What does a high Cyclically Adjusted Book per Share mean?
A high Cyclically Adjusted Book per Share can signal that a stock is expensive relative to its fundamentals. Cyclically adjusted book value per share represents the company's inflation-adjusted book value per share over a 10-year period. View historical data on Sagicor Group Jamaica and its competitors. Sagicor Group Jamaica's current Cyclically Adjusted Book per Share is JMD25.62. However, context matters — high-growth companies often justify higher valuations. Always evaluate alongside other metrics like GF Score™ and GF Value™.
Is Sagicor Group Jamaica stock overvalued right now?
Based on GuruFocus' analysis, Sagicor Group Jamaica (XJAM:SJ) is currently considered Modestly Undervalued. The stock's GF Value™ is JMD48.61, compared to a current price of JMD39.70 — trading 18.3% below its estimated fair value. The current Cyclically Adjusted Book per Share is JMD25.62. Sagicor Group Jamaica's overall GF Score™ is 62/100. Investors should evaluate multiple metrics — including profitability, growth, and financial strength — before making a decision.
How is Cyclically Adjusted Book per Share calculated?
Cyclically Adjusted Book per Share is calculated from a company's financial statements. For Sagicor Group Jamaica (XJAM:SJ), the current Cyclically Adjusted Book per Share is JMD25.62 as of Dec. 2025. GuruFocus calculates this using data sourced from SEC filings and annual reports. See the calculation section and 30-year financial data on this page for the full breakdown.

Is Sagicor Group Jamaica (XJAM:SJ) Overvalued in 2026?

Based on GuruFocus' analysis, Sagicor Group Jamaica stock appears to be undervalued. The current stock price of JMD39.70 is trading 18.3% below its estimated GF Value™ of JMD48.61. GuruFocus considers Sagicor Group Jamaica to be Modestly Undervalued.

Key valuation signals for XJAM:SJ:

  • Cyclically Adjusted Book per Share: JMD25.62
  • GF Value™: JMD48.61 vs. price of JMD39.70 (18.3% below fair value)
  • GF Score™: 62/100

No single metric tells the full story. See the XJAM:SJ stock analysis page for a complete view including 30-year financials, guru trades, and insider activity.


Sagicor Group Jamaica Business Description

Address 28 - 48 Barbados Avenue, R. Danny Williams Building, Kingston, JAM, 5
Sagicor Group Jamaica Ltd is a financial services company. The company's business segment includes Sagicor Life, Sagicor Jamaica, Sagicor Life USA, and Sagicor Canada. It generates revenue largely from the Sagicor Jamaica segment. Individual Insurance provides individual clients with life and health insurance policies, individual annuities, investment products, living benefits, and other insurance-related solutions through various products. Geographically, it derives a majority of its revenue from Jamaica.
62GF Score

Get the complete analysis for XJAM:SJ

Cyclically Adjusted Book per Share is just one metric. See GF Value™, 30-year financials, guru trades, warning signs, and more.

JMD39.70
Price
JMD48.61
GF Value