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EV-to-FCF is calculated as enterprise value divided by its free cash flow. As of today, Sagicor Group Jamaica's Enterprise Value is JMD119,102 Mil.
Sagicor Group Jamaica's Free Cash Flow for the trailing twelve months (TTM) ended in Dec. 2025 was JMD-33,160 Mil. Therefore, Sagicor Group Jamaica's EV-to-FCF for today is -3.59.
The historical rank and industry rank for Sagicor Group Jamaica's EV-to-FCF or its related term are showing as below:
XJAM:SJ'
s EV-to-FCF Range Over the Past 10 Years
Min: -162.28 Med: -12.64 Max: 385.37
Current: -3.59
During the past 13 years, the highest EV-to-FCF of Sagicor Group Jamaica was 385.37. The lowest was -162.28. And the median was -12.64.
XJAM:SJ's EV-to-FCF is ranked worse than 100% of 395
companies
in the Insurance industry
Industry Median: 9.94
vs XJAM:SJ: -3.59
EV-to-FCF is a valuation multiple that allows analysts and investors to compare stocks, preferably in the same sector or industry. This important multiple is often used in conjunction with, or as an alternative to, the PE Ratio (TTM) to determine the fair market value of a company.
Sagicor Group Jamaica (XJAM:SJ) EV-to-FCF Explanation
EV-to-FCF is a valuation multiple that allows analysts and investors to compare stocks, preferably in the same sector or industry. This important multiple is often used in conjunction with, or as an alternative to, the PE Ratio (TTM) to determine the fair market value of a company.
Sagicor Group Jamaica's PE Ratio (TTM) for today is calculated as:
Sagicor Group Jamaica's share price for today is JMD39.17.
Sagicor Group Jamaica's Earnings per Share (Diluted) for the trailing twelve months (TTM) ended in Dec. 2025 adds up the quarterly data reported by the company within the most recent 12 months, which was JMD4.158.
* 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.
Enterprise Value is used because it is a more complete measure in reflecting how much an investor pays when buying a company. Free Cash Flow is an important financial metric because it represents the actual amount of cash at a company's disposal. Companies with a low EV-to-FCF ratio, combined with a strong balance sheet are generally considered as undervalued.
* 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 Group Jamaica's EV-to-FCF, along with its competitors' market caps and EV-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 EV-to-FCF vs Insurance Industry
For the Insurance industry and Financial Services sector, Sagicor Group Jamaica's EV-to-FCF distribution charts can be found below:
* The bar in red indicates where Sagicor Group Jamaica's EV-to-FCF falls into.
Sagicor Group Jamaica's current Enterprise Value is JMD119,102 Mil.
Sagicor Group Jamaica's Free Cash Flow for the trailing twelve months (TTM) ended in Dec. 2025 adds up the quarterly data reported by the company within the most recent 12 months, which was JMD-33,160 Mil.
* 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 (XJAM:SJ) has a EV-to-FCF of -3.59 as of Jul. 14, 2026. EV to FCF ratio is the company's enterprise value divided by free cash flow. View historical data on Sagicor Group Jamaica and its competitors. According to the industry distribution chart, Sagicor Group Jamaica ranks #999999 out of 395 companies in the Insurance industry.
Is Sagicor Group Jamaica's EV-to-FCF too high?
Sagicor Group Jamaica's current EV-to-FCF is -3.59. Based on the distribution chart, Sagicor Group Jamaica ranks #999999 out of 395 companies in the Insurance industry, which is in the bottom quartile relative to peers. 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 EV-to-FCF compare to AFL and MET?
According to the Insurance industry distribution chart, Sagicor Group Jamaica ranks #999999 out of 395 companies for EV-to-FCF. This places Sagicor Group Jamaica in the lower half of its industry. The industry median EV-to-FCF is 9.94. See the competitive comparison table and distribution chart on this page for a detailed peer-by-peer breakdown.
What is a good EV-to-FCF for an Insurance company?
The median EV-to-FCF among Insurance companies is 9.94, based on 395 companies in the industry. Companies in the top quartile (top 25%) have a EV-to-FCF significantly above this median, while those in the bottom quartile fall well below. However, EV-to-FCF 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 EV-to-FCF mean?
A high EV-to-FCF can signal that a stock is expensive relative to its fundamentals. EV to FCF ratio is the company's enterprise value divided by free cash flow. View historical data on Sagicor Group Jamaica and its competitors. For the Insurance industry, the median EV-to-FCF is 9.94 — values significantly above this may indicate overvaluation, while values below may suggest a bargain or underlying issues. Sagicor Group Jamaica's current EV-to-FCF is -3.59. 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 JMD48.73, compared to a current price of JMD39.17 — trading 19.6% below its estimated fair value. The current EV-to-FCF is -3.59. 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 EV-to-FCF calculated?
EV-to-FCF is calculated from a company's financial statements. For Sagicor Group Jamaica (XJAM:SJ), the current EV-to-FCF is -3.59 as of Jul. 14, 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 Group Jamaica (XJAM:SJ) Overvalued in 2026?
Based on GuruFocus' analysis, Sagicor Group Jamaica stock appears to be undervalued.
The current stock price of JMD39.17 is trading 19.6% below its estimated GF Value™ of JMD48.73.
GuruFocus considers Sagicor Group Jamaica to be Modestly Undervalued.
Key valuation signals for XJAM:SJ:
EV-to-FCF: -3.59
GF Value™: JMD48.73 vs. price of JMD39.17 (19.6% below fair value)
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 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
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