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Sagicor Financial CoSGCFF 73 Debt-to-EBITDA is 7.47 as of Mar. 2026, which is 217% above its 10-year median of 2.36. GuruFocus rates SGCFF with a GF Score™ of 73/100 and a GF Value™ of $6.42 (Fairly Valued). The stock has 6 warning signs investors should review. Among 321 Insurance companies, Sagicor Financial Co ranks worse than 78.5% on this metric.
Debt-to-EBITDA measures a company's ability to pay off its debt.
A high Debt-to-EBITDA ratio generally means that a company may spend more time to paying off its debt. According to Joel Tillinghast's BIG MONEY THINKS SMALL: Biases, Blind Spots, and Smarter Investing, a ratio of Debt-to-EBITDA exceeding four is usually considered scary unless tangible assets cover the debt.
The historical rank and industry rank for Sagicor Financial Co's Debt-to-EBITDA or its related term are showing as below:
SGCFF'
s Debt-to-EBITDA Range Over the Past 10 Years
Min: 1.12 Med: 2.36 Max: 34.31
Current: 2.9
During the past 9 years, the highest Debt-to-EBITDA Ratio of Sagicor Financial Co was 34.31. The lowest was 1.12. And the median was 2.36.
SGCFF's Debt-to-EBITDA is ranked worse than 78.5% of 321
companies
in the Insurance industry
Industry Median: 1.18
vs SGCFF: 2.90
Sagicor Financial Co (OTCPK:SGCFF) Debt-to-EBITDA Explanation
A high Debt-to-EBITDA ratio generally means that a company may spend more time to paying off its debt.
According to Joel Tillinghast's BIG MONEY THINKS SMALL: Biases, Blind Spots, and Smarter Investing, a ratio of Debt-to-EBITDA exceeding four is usually considered scary unless tangible assets cover the debt.
Sagicor Financial Co Debt-to-EBITDA Related Terms
Sagicor Financial Co Debt-to-EBITDA Historical Data
* Premium members only.
The historical data trend for Sagicor Financial Co's Debt-to-EBITDA 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.
For the Insurance - Life subindustry, Sagicor Financial Co's Debt-to-EBITDA, along with its competitors' market caps and Debt-to-EBITDA 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 Financial Co Debt-to-EBITDA vs Insurance Industry
For the Insurance industry and Financial Services sector, Sagicor Financial Co's Debt-to-EBITDA distribution charts can be found below:
* The bar in red indicates where Sagicor Financial Co's Debt-to-EBITDA falls into.
* 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.
In the calculation of annual Debt-to-EBITDA, the EBITDA of the last fiscal year is used. In calculating the annualized quarterly data,
the EBITDA data used here is four times the quarterly (Mar. 2026) EBITDA data.
Sagicor Financial Co (SGCFF) has a Debt-to-EBITDA of 7.47 as of Mar. 2026. Debt-to-EBITDA ratio represents the ratio of total debt to total earnings before interest, taxes, depreciation and amortization. View historical data on Sagicor Financial Co. This is 217% above median its historical median of 2.36. Over the past decade, Sagicor Financial Co's Debt-to-EBITDA has ranged from 1.12 to 34.31. According to the industry distribution chart, Sagicor Financial Co ranks #252 out of 321 companies in the Insurance industry, placing it in the top 78.5%.
Is Sagicor Financial Co's Debt-to-EBITDA too high?
Sagicor Financial Co's current Debt-to-EBITDA of 7.47 is 217% above median its 10-year median of 2.36. Over the past 10 years, this metric has ranged from a low of 1.12 to a high of 34.31. The Insurance industry median Debt-to-EBITDA is 1.18. Sagicor Financial Co's value of 7.47 is 533.1% above this industry median. Based on the distribution chart, Sagicor Financial Co ranks #252 out of 321 companies in the Insurance industry, which is in the bottom quartile relative to peers. Overall, Sagicor Financial Co has a GF Score™ of 73/100 and is considered Fairly Valued, reflecting its overall financial health beyond just this single metric.
How does Sagicor Financial Co's Debt-to-EBITDA compare to AFL and MET?
According to the Insurance industry distribution chart, Sagicor Financial Co ranks #252 out of 321 companies for Debt-to-EBITDA. This places Sagicor Financial Co in the lower half of its industry. The industry median Debt-to-EBITDA is 1.18. Sagicor Financial Co's value of 7.47 is 533.1% above this benchmark. Historically, Sagicor Financial Co's own Debt-to-EBITDA has ranged from 1.12 to 34.31 over the past decade. While the company's 10-year median is 2.36 vs. the industry median of 1.18, Sagicor Financial Co has consistently been above the industry average. See the competitive comparison table and distribution chart on this page for a detailed peer-by-peer breakdown.
What is a good Debt-to-EBITDA for an Insurance company?
The median Debt-to-EBITDA among Insurance companies is 1.18, based on 321 companies in the industry. Companies in the top quartile (top 25%) have a Debt-to-EBITDA significantly above this median, while those in the bottom quartile fall well below. However, Debt-to-EBITDA should not be evaluated in isolation — investors should consider it alongside profitability, growth, and financial strength metrics. Sagicor Financial Co's current Debt-to-EBITDA of 7.47 is 533.1% above the industry median. Use the industry distribution chart on this page to see where any company falls relative to its peers.
What does a high Debt-to-EBITDA mean?
A high Debt-to-EBITDA can signal that a stock is expensive relative to its fundamentals. Debt-to-EBITDA ratio represents the ratio of total debt to total earnings before interest, taxes, depreciation and amortization. View historical data on Sagicor Financial Co. For the Insurance industry, the median Debt-to-EBITDA is 1.18 — values significantly above this may indicate overvaluation, while values below may suggest a bargain or underlying issues. Sagicor Financial Co's current Debt-to-EBITDA is 7.47, which is 217% above median its own 10-year median of 2.36. However, context matters — high-growth companies often justify higher valuations. Always evaluate alongside other metrics like GF Score™ and GF Value™.
Is Sagicor Financial Co stock overvalued right now?
Based on GuruFocus' analysis, Sagicor Financial Co (SGCFF) is currently considered Fairly Valued. The stock's GF Value™ is $6.42, compared to a current price of $6.05 — trading 5.8% below its estimated fair value. The current Debt-to-EBITDA is 7.47, which is 217% above median its 10-year median of 2.36 and 533.1% above the Insurance industry median of 1.18. Sagicor Financial Co's overall GF Score™ is 73/100 with 6 warning signs to review. Investors should evaluate multiple metrics — including profitability, growth, and financial strength — before making a decision.
How is Debt-to-EBITDA calculated?
Debt-to-EBITDA is calculated from a company's financial statements. For Sagicor Financial Co (SGCFF), the current Debt-to-EBITDA is 7.47 as of Mar. 2026. 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 Financial Co (SGCFF) Overvalued in 2026?
Based on GuruFocus' analysis, Sagicor Financial Co stock appears to be undervalued.
The current stock price of $6.05 is trading 5.8% below its estimated GF Value™ of $6.42.
GuruFocus considers Sagicor Financial Co to be Fairly Valued.
Key valuation signals for SGCFF:
Debt-to-EBITDA: 7.47 (217% above median its 10-year median of 2.36)
GF Value™: $6.42 vs. price of $6.05 (5.8% below fair value)
Industry Position: 533.1% above the Insurance median (#252 of 321)
No single metric tells the full story. See the SGCFF stock analysis page for a complete view including 30-year financials, guru trades, and insider activity.
Sagicor Financial Co Ltd is a financial services provider based in the Caribbean. Along with its subsidiaries, the company offers life and health insurance products, annuities and pension administration services, banking and investment management services, and also underwrites property and casualty insurance. The group's reportable operating segments are: Sagicor Canada, Sagicor Life USA, Sagicor Jamaica, and Sagicor Life. Maximum revenue is generated from the Sagicor Canada segment, which engages in individual life insurance, annuities, segregated funds, and accident and sickness insurance business throughout Canada. Geographically, the group generates maximum revenue from its business in Canada, followed by the USA, Jamaica, and Other Caribbean markets.
73GF Score
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Debt-to-EBITDA is just one metric. See GF Value™, 30-year financials, guru trades, warning signs, and more.
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