Sagicor Group Jamaica (XJAM:SJ) Cyclically Adjusted FCF per Share: JMD-2.60 (As of Dec. 2025)

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XJAM:SJ Sagicor Group Jamaica Ltd XJAM:SJ
59 GF Score
Price JMD38.53
GF Value JMD48.93
Valuation Modestly Undervalued
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What is Sagicor Group Jamaica Cyclically Adjusted FCF per Share?

Sagicor Group Jamaica XJAM:SJ -0.90% 59 Cyclically Adjusted FCF per Share is JMD-2.60 as of Dec. 2025. GuruFocus rates XJAM:SJ with a GF Score™ of 59/100 and a GF Value™ of JMD48.93 (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 FCF per Share and the Cyclically Adjusted Price-to-FCF. The Cyclically Adjusted FCF per Share is the average of the inflation adjusted Free Cash Flow per Share of a company over the past 10 years.

Sagicor Group Jamaica's adjusted free cash flow per share for the three months ended in Dec. 2025 was JMD-2.130. Add all the adjusted free cash flow per share for the past 10 years together and divide the count will get our Cyclically Adjusted FCF per Share, which is JMD-2.60 for the trailing ten years ended in Dec. 2025.

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 FCF Growth Rate using Cyclically Adjusted FCF per Share data.

As of today (2026-07-21), Sagicor Group Jamaica's current stock price is JMD38.53. Sagicor Group Jamaica's Cyclically Adjusted FCF per Share for the quarter that ended in Dec. 2025 was JMD-2.60. Sagicor Group Jamaica's Cyclically Adjusted Price-to-FCF of today is .


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

If a company grows much fast than inflation, Cyclically Adjusted FCF per Share may underestimate the company's free cash flow. Cyclically Adjusted Price-to-FCF can seem to be too high even the actual Price-to-Free-Cash-Flow is low.

For the Cyclically Adjusted Price-to-FCF, the free cash flow per share of the past 10 years are inflation-adjusted and averaged. The result is used for P/FCF calculation. Since it looks at the average over the last 10 years, the Cyclically Adjusted Price-to-FCF is also called CAPFCF 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 Price-to-FCF. The Cyclically Adjusted FCF per Share is the average of the inflation adjusted free cash flow per share of a company over the past 10 years.


Be Aware

Cyclically Adjusted Price-to-FCF works better for cyclical companies. It gives you a better idea on the company's real free cash flow value.


Sagicor Group Jamaica Cyclically Adjusted FCF per Share Related Terms


Sagicor Group Jamaica Cyclically Adjusted FCF per Share Historical Data

* Premium members only.

The historical data trend for Sagicor Group Jamaica's Cyclically Adjusted FCF 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 FCF per Share Chart

Sagicor Group Jamaica Annual Data
Trend Dec16 Dec17 Dec18 Dec19 Dec20 Dec21 Dec22 Dec23 Dec24 Dec25
Cyclically Adjusted FCF per Share
Get a 7-Day Free Trial Premium Member Only Premium Member Only 0.00 0.00 -1.00 -0.99 -2.60

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 FCF 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 -0.99 -1.45 -1.99 -2.15 -2.60

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

For the Insurance - Life subindustry, Sagicor Group Jamaica's Cyclically Adjusted Price-to-FCF, along with its competitors' market caps and Cyclically Adjusted Price-to-FCF 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 Price-to-FCF vs Insurance Industry

For the Insurance industry and Financial Services sector, Sagicor Group Jamaica's Cyclically Adjusted Price-to-FCF distribution charts can be found below:

* The bar in red indicates where Sagicor Group Jamaica's Cyclically Adjusted Price-to-FCF falls into.


XJAM:SJ
59GF Score
Sagicor Group Jamaica Ltd XJAM:SJ
Cyclically Adjusted FCF per Share is just one metric. See GF Score™, valuation, warning signs, and more.
View Full Analysis

Sagicor Group Jamaica Cyclically Adjusted FCF 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 FCF per Share and the Cyclically Adjusted Price-to-FCF. The Cyclically Adjusted FCF per Share is the average of the inflation adjusted Free Cash Flow per Share of a company over the past 10 years.

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

Cyclically Adjusted FCF per Share is the average of the inflation adjusted Free Cash Flow 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 FCF per Share of Wal-Mart (WMT) for Dec. 31, 2010, we need to have the inflation data and the free cash flow per share from 2001 through 2010.

We adjusted the 2001 free cash flow per share data with the total inflation from 2001 through 2010 to the equivalent free cash flow in 2010. If the total inflation from 2001 to 2010 is 40%, and Wal-Mart's free cash flow is $1 a share in 2001, then the 2001's equivalent free cash flow in 2010 is $1.4 a share. If Wal-Mart's free cash flow is $1 again in 2002, and the total inflation from 2002 through 2010 is 35%, then the equivalent 2002 free cash flow in 2010 is $1.35. So on and so forth, you get the equivalent free cash flow per share of past 10 years. Then you add them together and divided the sum by the count to get Cyclically Adjusted FCF 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 Free Cash Flow per Share data for the three months ended in Dec. 2025 was:

Adj_FreeCashFlowPerShare= Free Cash Flow per Share /CPI of Dec. 2025 (Change)*Current CPI (Dec. 2025)
=-2.13/324.0540*324.0540
=-2.130

Current CPI (Dec. 2025) = 324.0540.

Sagicor Group Jamaica Quarterly Data

Free Cash Flow per Share CPI Adj_FreeCashFlowPerShare
201409 -3.312 238.031 -4.509
201412 3.499 234.812 4.829
201503 -3.403 236.119 -4.670
201506 -0.176 238.638 -0.239
201509 0.446 237.945 0.607
201512 0.164 236.525 0.225
201612 0.000 241.432 0.000
201712 0.000 246.524 0.000
201803 0.698 249.554 0.906
201806 1.589 251.989 2.043
201809 0.311 252.439 0.399
201812 -2.424 251.233 -3.127
201903 1.524 254.202 1.943
201906 0.123 256.143 0.156
201909 1.311 256.759 1.655
201912 -5.938 256.974 -7.488
202003 -0.012 258.115 -0.015
202006 0.264 257.797 0.332
202009 -0.183 260.280 -0.228
202012 1.161 260.474 1.444
202103 -2.378 264.877 -2.909
202106 -1.791 271.696 -2.136
202109 -0.638 274.310 -0.754
202112 5.333 278.802 6.199
202203 -5.715 287.504 -6.442
202206 -0.054 296.311 -0.059
202209 -1.580 296.808 -1.725
202212 -0.217 296.797 -0.237
202303 0.178 301.836 0.191
202306 -0.758 305.109 -0.805
202309 -1.354 307.789 -1.426
202312 1.106 306.746 1.168
202403 -0.806 312.332 -0.836
202406 -0.704 314.175 -0.726
202409 -1.763 315.301 -1.812
202412 1.905 315.605 1.956
202503 -3.572 319.799 -3.620
202506 -3.265 322.561 -3.280
202509 0.459 324.800 0.458
202512 -2.130 324.054 -2.130

Add all the adjusted free cash flow per share together and divide 10 will get our Cyclically Adjusted FCF per Share.

What does a Cyclically Adjusted FCF per Share of JMD-2.60 mean?
Sagicor Group Jamaica (XJAM:SJ) has a Cyclically Adjusted FCF per Share of JMD-2.60 as of Dec. 2025. Cyclically Adjusted FCF per Share represents the company's inflation-adjusted FCF per share over a 10-year period. View historical data on Sagicor Group Jamaica and its competitors.
Is Sagicor Group Jamaica's Cyclically Adjusted FCF per Share too high?
Sagicor Group Jamaica's current Cyclically Adjusted FCF per Share is JMD-2.60. Overall, Sagicor Group Jamaica has a GF Score™ of 59/100 and is considered Modestly Undervalued, reflecting its overall financial health beyond just this single metric.
How does Sagicor Group Jamaica's Cyclically Adjusted FCF per Share compare to AFL and MET?
Sagicor Group Jamaica's Cyclically Adjusted FCF per Share of JMD-2.60 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 FCF per Share for an Insurance company?
A good Cyclically Adjusted FCF per Share depends on the Insurance industry context. However, Cyclically Adjusted FCF 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 FCF per Share mean?
A high Cyclically Adjusted FCF per Share can signal that a stock is expensive relative to its fundamentals. Cyclically Adjusted FCF per Share represents the company's inflation-adjusted FCF per share over a 10-year period. View historical data on Sagicor Group Jamaica and its competitors. Sagicor Group Jamaica's current Cyclically Adjusted FCF per Share is JMD-2.60. 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 JMD48.93, compared to a current price of JMD38.53 — trading 21.3% below its estimated fair value. The current Cyclically Adjusted FCF per Share is JMD-2.60. Sagicor Group Jamaica's overall GF Score™ is 59/100. Investors should evaluate multiple metrics — including profitability, growth, and financial strength — before making a decision.
How is Cyclically Adjusted FCF per Share calculated?
Cyclically Adjusted FCF per Share is calculated from a company's financial statements. For Sagicor Group Jamaica (XJAM:SJ), the current Cyclically Adjusted FCF per Share is JMD-2.60 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 JMD38.53 is trading 21.3% below its estimated GF Value™ of JMD48.93. GuruFocus considers Sagicor Group Jamaica to be Modestly Undervalued.

Key valuation signals for XJAM:SJ:

  • Cyclically Adjusted FCF per Share: JMD-2.60
  • GF Value™: JMD48.93 vs. price of JMD38.53 (21.3% below fair value)
  • GF Score™: 59/100

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.
59GF Score

Get the complete analysis for XJAM:SJ

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

JMD38.53
Price
JMD48.93
GF Value