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Sagicor Financial Co (TSX:SFC) Debt-to-EBITDA : 5.31 (As of Dec. 2024)


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What is Sagicor Financial Co Debt-to-EBITDA?

Debt-to-EBITDA measures a company's ability to pay off its debt.

Sagicor Financial Co's Short-Term Debt & Capital Lease Obligation for the quarter that ended in Dec. 2024 was C$72 Mil. Sagicor Financial Co's Long-Term Debt & Capital Lease Obligation for the quarter that ended in Dec. 2024 was C$1,339 Mil. Sagicor Financial Co's annualized EBITDA for the quarter that ended in Dec. 2024 was C$266 Mil. Sagicor Financial Co's annualized Debt-to-EBITDA for the quarter that ended in Dec. 2024 was 5.31.

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:

TSX:SFC' s Debt-to-EBITDA Range Over the Past 10 Years
Min: -33.1   Med: 1.87   Max: 5.61
Current: 2.86

During the past 8 years, the highest Debt-to-EBITDA Ratio of Sagicor Financial Co was 5.61. The lowest was -33.10. And the median was 1.87.

TSX:SFC's Debt-to-EBITDA is ranked worse than
78.45% of 297 companies
in the Insurance industry
Industry Median: 1.26 vs TSX:SFC: 2.86

Sagicor Financial Co Debt-to-EBITDA Historical Data

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.

* Premium members only.

Sagicor Financial Co Debt-to-EBITDA Chart

Sagicor Financial Co Annual Data
Trend Mar17 Mar18 Mar19 Dec20 Dec21 Dec22 Dec23 Dec24
Debt-to-EBITDA
Get a 7-Day Free Trial 5.61 1.87 -33.10 1.18 2.74

Sagicor Financial Co Quarterly Data
Mar20 Jun20 Sep20 Dec20 Mar21 Jun21 Sep21 Dec21 Mar22 Jun22 Sep22 Dec22 Mar23 Jun23 Sep23 Dec23 Mar24 Jun24 Sep24 Dec24
Debt-to-EBITDA 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 0.41 2.22 5.63 1.54 5.31

Competitive Comparison of Sagicor Financial Co's Debt-to-EBITDA

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's Debt-to-EBITDA Distribution in the 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.


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Sagicor Financial Co Debt-to-EBITDA Calculation

Debt-to-EBITDA measures a company's ability to pay off its debt.

Sagicor Financial Co's Debt-to-EBITDA for the fiscal year that ended in Dec. 2024 is calculated as

Debt-to-EBITDA=Total Debt / EBITDA
=(Short-Term Debt & Capital Lease Obligation + Long-Term Debt & Capital Lease Obligation) / EBITDA
=(71.677 + 1338.897) / 515.189
=2.74

Sagicor Financial Co's annualized Debt-to-EBITDA for the quarter that ended in Dec. 2024 is calculated as

Debt-to-EBITDA=Total Debt / EBITDA
=(Short-Term Debt & Capital Lease Obligation + Long-Term Debt & Capital Lease Obligation) / EBITDA
=(71.677 + 1338.897) / 265.892
=5.31

* 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 (Dec. 2024) EBITDA data.


Sagicor Financial Co  (TSX:SFC) Debt-to-EBITDA Explanation

In the calculation of Debt-to-EBITDA, we use the total of Short-Term Debt & Capital Lease Obligation and Long-Term Debt & Capital Lease Obligation divided by EBITDA. In some calculations, Total Liabilities is used to for calculation.


Be Aware

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

Thank you for viewing the detailed overview of Sagicor Financial Co's Debt-to-EBITDA provided by GuruFocus.com. Please click on the following links to see related term pages.


Sagicor Financial Co Business Description

Traded in Other Exchanges
N/A
Address
Cecil F De Caires Building, Wildey, Saint Michael, BRB, BB15096
Sagicor Financial Co Ltd is a financial services provider in the Caribbean. The firm offers various products and services, including life, health, and general insurance, annuities, pension administration, banking, and investment management. Sagicor operates through the following segments; Sagicor Jamaica, Sagicor Life USA, Sagicor Canada, and Sagicor Life Inc. Geographically, the firm operates in Jamaica, the United States, Canada, Barbados, Trinidad and Tobago, and other countries in the Caribbean. The company derives a majority of its revenue from Canada.
Executives
Dodridge Denton Miller Director, Senior Officer
Andre Guy Mousseau Director or Senior Officer of Insider or Subsidiary (other than in 4,5,6), Senior Officer
Alan Kenneth Ryder Director, Director or Senior Officer of Insider or Subsidiary (other than in 4,5,6)
Gilbert Samuel Palter Director, Director or Senior Officer of Insider or Subsidiary (other than in 4,5,6)

Sagicor Financial Co Headlines

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