Sagicor Group Jamaica (XJAM:SJ) Debt-to-EBITDA : N/A (As of Dec. 2025)

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XJAM:SJ Sagicor Group Jamaica Ltd XJAM:SJ
59 GF Score
Price JMD41.46
GF Value JMD49.53
Valuation Modestly Undervalued
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What is Sagicor Group Jamaica Debt-to-EBITDA?

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

Sagicor Group Jamaica's Short-Term Debt & Capital Lease Obligation for the quarter that ended in Dec. 2025 was JMD839 Mil. Sagicor Group Jamaica's Long-Term Debt & Capital Lease Obligation for the quarter that ended in Dec. 2025 was JMD24,330 Mil. Sagicor Group Jamaica's annualized EBITDA for the quarter that ended in Dec. 2025 was JMD0 Mil.

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 Group Jamaica's Debt-to-EBITDA or its related term are showing as below:

During the past 13 years, the highest Debt-to-EBITDA Ratio of Sagicor Group Jamaica was 2.08. The lowest was 0.99. And the median was 1.44.

XJAM:SJ's Debt-to-EBITDA is not ranked *
in the Insurance industry.
Industry Median: 1.19
* Ranked among companies with meaningful Debt-to-EBITDA only.

Sagicor Group Jamaica  (XJAM:SJ) 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 Group Jamaica Debt-to-EBITDA Related Terms

Sagicor Group Jamaica Debt-to-EBITDA Historical Data

* Premium members only.

The historical data trend for Sagicor Group Jamaica'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.

Sagicor Group Jamaica Debt-to-EBITDA Chart

Sagicor Group Jamaica Annual Data
Trend Dec16 Dec17 Dec18 Dec19 Dec20 Dec21 Dec22 Dec23 Dec24 Dec25
Debt-to-EBITDA
Get a 7-Day Free Trial Premium Member Only Premium Member Only N/A N/A N/A N/A N/A

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
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 N/A N/A N/A N/A N/A

XJAM:SJ vs AFL, MET, PRU: Debt-to-EBITDA Comparison

For the Insurance - Life subindustry, Sagicor Group Jamaica'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 Group Jamaica Debt-to-EBITDA vs Insurance Industry

For the Insurance industry and Financial Services sector, Sagicor Group Jamaica's Debt-to-EBITDA distribution charts can be found below:

* The bar in red indicates where Sagicor Group Jamaica's Debt-to-EBITDA falls into.


XJAM:SJ
59GF Score
Sagicor Group Jamaica Ltd XJAM:SJ
Debt-to-EBITDA is just one metric. See GF Score™, valuation, warning signs, and more.
View Full Analysis

Sagicor Group Jamaica Debt-to-EBITDA Calculation

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

Sagicor Group Jamaica's Debt-to-EBITDA for the fiscal year that ended in Dec. 2025 is calculated as

Debt-to-EBITDA=Total Debt / EBITDA
=(Short-Term Debt & Capital Lease Obligation + Long-Term Debt & Capital Lease Obligation) / EBITDA
=(838.533 + 24330.057) / N/A
=N/A

Sagicor Group Jamaica's annualized Debt-to-EBITDA for the quarter that ended in Dec. 2025 is calculated as

Debt-to-EBITDA=Total Debt / EBITDA
=(Short-Term Debt & Capital Lease Obligation + Long-Term Debt & Capital Lease Obligation) / EBITDA
=(838.533 + 24330.057) / 0
=N/A

* 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. 2025) EBITDA data.

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 JMD41.46 is trading 16.3% below its estimated GF Value™ of JMD49.53. GuruFocus considers Sagicor Group Jamaica to be Modestly Undervalued.

Key valuation signals for XJAM:SJ:

  • Debt-to-EBITDA: N/A
  • GF Value™: JMD49.53 vs. price of JMD41.46 (16.3% 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

Debt-to-EBITDA is just one metric. See GF Value™, 30-year financials, guru trades, warning signs, and more.

JMD41.46
Price
JMD49.53
GF Value