Sagicor Group Jamaica (XJAM:SJ) E10: JMD4.01 (As of Dec. 2025)


XJAM:SJ Sagicor Group Jamaica Ltd XJAM:SJ
62 GF Score
Price JMD38.78
GF Value JMD48.32
Valuation Modestly Undervalued
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What is Sagicor Group Jamaica E10?

Sagicor Group Jamaica XJAM:SJ -0.44% 62 E10 is JMD4.01 as of Dec. 2025. GuruFocus rates XJAM:SJ with a GF Score™ of 62/100 and a GF Value™ of JMD48.32 (Modestly Undervalued).

E10 is a concept invented by Prof. Robert Shiller, who uses E10 for his Shiller P/E calculation. E10 is the average of the inflation adjusted earnings of a company over the past 10 years.

Sagicor Group Jamaica's adjusted earnings per share data for the three months ended in Dec. 2025 was JMD0.768. Add all the adjusted EPS for the past 10 years together and divide 10 will get our e10, which is JMD4.01 for the trailing ten years ended in Dec. 2025.

During the past 12 months, Sagicor Group Jamaica's average E10 Growth Rate was 7.20% 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 E10 growth rate using E10 data.

As of today (2026-06-29), Sagicor Group Jamaica's current stock price is JMD38.78. Sagicor Group Jamaica's E10 for the quarter that ended in Dec. 2025 was JMD4.01. Sagicor Group Jamaica's Shiller PE Ratio of today is 9.67.

During the past 13 years, the highest Shiller PE Ratio of Sagicor Group Jamaica was 12.20. The lowest was 9.47. And the median was 10.56.


Sagicor Group Jamaica  (XJAM:SJ) E10 Explanation

If a company grows much fast than inflation, E10 may underestimate the company's earnings power. Shiller PE Ratio can seem to be too high even the actual P/E is low.

For the Shiller P/E, the earnings of the past 10 years are inflation-adjusted and averaged. The result is used for P/E calculation. Since it looks at the average over the last 10 years, the Shiller P/E is also called PE10.

The Shiller P/E was first used by professor Robert Shiller to measure the valuation of the overall market. The same calculation is applied here to individual companies.

Sagicor Group Jamaica's Shiller P/E Ratio of today is calculated as

Shiller PE Ratio=Share Price/E10
=38.78/4.01
=9.67

* 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 Shiller P/E Ratio of Sagicor Group Jamaica was 12.20. The lowest was 9.47. And the median was 10.56.


Be Aware

Shiller PE Ratio works better for cyclical companies. It gives you a better idea on the company's real earnings power.


Sagicor Group Jamaica E10 Related Terms


Sagicor Group Jamaica E10 Historical Data

* Premium members only.

The historical data trend for Sagicor Group Jamaica's E10 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 E10 Chart

Sagicor Group Jamaica Annual Data
Trend Dec16 Dec17 Dec18 Dec19 Dec20 Dec21 Dec22 Dec23 Dec24 Dec25
E10
Get a 7-Day Free Trial Premium Member Only Premium Member Only 0.00 0.00 3.66 3.74 4.01

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
E10 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 3.74 3.83 3.90 4.01 4.01

XJAM:SJ vs AFL, MET, PRU: E10 Comparison

For the Insurance - Life subindustry, Sagicor Group Jamaica's Shiller PE Ratio, along with its competitors' market caps and Shiller PE 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 Shiller PE Ratio vs Insurance Industry

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

* The bar in red indicates where Sagicor Group Jamaica's Shiller PE Ratio falls into.


XJAM:SJ
62GF Score
Sagicor Group Jamaica Ltd XJAM:SJ
E10 is just one metric. See GF Score™, valuation, warning signs, and more.
View Full Analysis

Sagicor Group Jamaica E10 Calculation

E10 is a concept invented by Prof. Robert Shiller, who uses E10 for his Shiller P/E calculation. When we calculate the today's Shiller P/E ratio of a stock, we use today's price divided by E10.

What is E10? How do we calculate E10?

E10 is the average of the inflation adjusted earnings of a company over the past 10 years. Let's use an example to explain.

If we want to calculate the E10 of Wal-Mart (WMT) for Dec. 31, 2010, we need to have the inflation data and the earnings from 2001 through 2010.

We adjusted the earnings of 2001 earnings data with the total inflation from 2001 through 2010 to the equivalent earnings in 2010. If the total inflation from 2001 to 2010 is 40%, and Wal-Mart earned $1 a share in 2001, then the 2001's equivalent earnings in 2010 is $1.4 a share. If Wal-Mart earns $1 again in 2002, and the total inflation from 2002 through 2010 is 35%, then the equivalent 2002 earnings in 2010 is $1.35. So on and so forth, you get the equivalent earnings of past 10 years. Then you add them together and divided the sum by 10 to get E10.

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 earnings per share data for the three months ended in Dec. 2025 was:

Adj_EPS= Earnings per Share (Diluted) /CPI of Dec. 2025 (Change)*Current CPI (Dec. 2025)
=0.768/324.0540*324.0540
=0.768

Current CPI (Dec. 2025) = 324.0540.

Sagicor Group Jamaica Quarterly Data

per share eps CPI Adj_EPS
201409 0.320 238.031 0.436
201412 1.150 234.812 1.587
201503 0.350 236.119 0.480
201506 0.610 238.638 0.828
201509 0.530 237.945 0.722
201512 1.020 236.525 1.397
201612 0.000 241.432 0.000
201712 0.000 246.524 0.000
201803 0.680 249.554 0.883
201806 0.680 251.989 0.874
201809 0.910 252.439 1.168
201812 1.380 251.233 1.780
201903 0.690 254.202 0.880
201906 0.950 256.143 1.202
201909 1.150 256.759 1.451
201912 1.220 256.974 1.538
202003 0.480 258.115 0.603
202006 0.630 257.797 0.792
202009 1.530 260.280 1.905
202012 0.880 260.474 1.095
202103 0.750 264.877 0.918
202106 0.500 271.696 0.596
202109 2.100 274.310 2.481
202112 1.120 278.802 1.302
202203 -0.198 287.504 -0.223
202206 1.068 296.311 1.168
202209 -1.006 296.808 -1.098
202212 2.580 296.797 2.817
202303 0.559 301.836 0.600
202306 0.876 305.109 0.930
202309 1.140 307.789 1.200
202312 1.090 306.746 1.152
202403 0.260 312.332 0.270
202406 0.760 314.175 0.784
202409 0.670 315.301 0.689
202412 0.673 315.605 0.691
202503 1.020 319.799 1.034
202506 1.220 322.561 1.226
202509 1.150 324.800 1.147
202512 0.768 324.054 0.768

Add all the adjusted EPS together and divide 10 will get our e10.

Frequently Asked Questions Learn more about E10 →
What does a E10 of JMD4.01 mean?
Sagicor Group Jamaica (XJAM:SJ) has a E10 of JMD4.01 as of Dec. 2025. E10 represents the company's inflation-adjusted earnings per share over a 10-year period. View historical data on Sagicor Group Jamaica and its competitors.
Is Sagicor Group Jamaica's E10 too high?
Sagicor Group Jamaica's current E10 is JMD4.01. 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 E10 compare to AFL and MET?
Sagicor Group Jamaica's E10 of JMD4.01 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 E10 for an Insurance company?
A good E10 depends on the Insurance industry context. However, E10 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 E10 mean?
A high E10 can signal that a stock is expensive relative to its fundamentals. E10 represents the company's inflation-adjusted earnings per share over a 10-year period. View historical data on Sagicor Group Jamaica and its competitors. Sagicor Group Jamaica's current E10 is JMD4.01. 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 JMD48.32, compared to a current price of JMD38.78 — trading 19.7% below its estimated fair value. The current E10 is JMD4.01. 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 E10 calculated?
E10 is calculated from a company's financial statements. For Sagicor Group Jamaica (XJAM:SJ), the current E10 is JMD4.01 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 JMD38.78 is trading 19.7% below its estimated GF Value™ of JMD48.32. GuruFocus considers Sagicor Group Jamaica to be Modestly Undervalued.

Key valuation signals for XJAM:SJ:

  • E10: JMD4.01
  • GF Value™: JMD48.32 vs. price of JMD38.78 (19.7% 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

E10 is just one metric. See GF Value™, 30-year financials, guru trades, warning signs, and more.

JMD38.78
Price
JMD48.32
GF Value