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Sagicor Financial CoSGCFF +2.05%71 Graham Number is $5.07 as of Mar. 2026, which is 745% above its 10-year median of 0.60. GuruFocus rates SGCFF with a GF Score™ of 71/100 and a GF Value™ of $6.00 (Fairly Valued). The stock has 6 warning signs investors should review. Among 424 Insurance companies, Sagicor Financial Co ranks worse than 68.4% on this metric.
Graham Number is a figure that measures a stock's fundamental value by taking into account the company's earnings per share and book value per share. The Graham number is the upper bound of the price range that a defensive investor should pay for the stock. According to the theory, any stock price below the Graham number is considered undervalued, and thus worth investing in.
As of today (2026-07-16), the stock price of Sagicor Financial Co is $6.08. Sagicor Financial Co's graham number for the quarter that ended in Mar. 2026 was $5.07. Therefore, Sagicor Financial Co's Price to Graham Number ratio for today is 1.20.
The historical rank and industry rank for Sagicor Financial Co's Graham Number or its related term are showing as below:
SGCFF'
s Price-to-Graham-Number Range Over the Past 10 Years
Min: 0.39 Med: 0.6 Max: 1.89
Current: 1.24
During the past 9 years, the highest Price to Graham Number ratio of Sagicor Financial Co was 1.89. The lowest was 0.39. And the median was 0.60.
SGCFF's Price-to-Graham-Number is ranked worse than 68.4% of 424
companies
in the Insurance industry
Industry Median: 0.925
vs SGCFF: 1.24
Graham Number is a combination of asset valuation and earnings power valuation. It is a very conservative way of valuing a stock.
Sagicor Financial Co (OTCPK:SGCFF) Graham Number Explanation
Ben Graham actually did not publish a formula like this. But he wrote in The Intelligent Investor (1948 version) regarding to the criteria for purchases:
Current price should not be more than 15 times average earnings of the past three years.
Current price should not be more than 1.5 times the book value last reported. However, a multiplier of earnings below 15 could justify a correspondingly higher multiplier of assets. As a rule of thumb we suggest that the product of the multiplier times the ratio of price to book value should not exceed 22.5. (This figure corresponds to 15 times earnings and 1.5 times book value. It would admit an issue selling at only 9 times earnings and 2.5 times asset value, etc.)
Unlike valuation methods such as DCF or Discounted Earnings, the Graham number does not take growth into the valuation. Unlike the valuation methods based on book value alone, it takes into account the earnings power. Therefore, the Graham Number is a combination of asset valuation and earnings power valuation.
In general, the Graham number is a very conservative way of valuing a stock. It cannot be applied to companies with negative book values.
Sagicor Financial Co's Price to Graham number Ratio for today is calculated as
Price to Graham number
=
Share Price (Today)
/
Graham number (Q: Mar. 2026 )
=
6.08
/
5.07
=
1.20
* 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.
Be Aware
Please keep these in mind:
1. Graham Number does not take growth into account. Therefore it underestimates the values of the companies that have good earnings growth. We feel that if the earnings per share grows more than 10% a year, Graham Number underestimates the value.
2. Graham Number punishes the companies that have temporarily low earnings. Therefore, an average of earnings makes more sense in the calculation of Graham Number.
3. Graham Numbers underestimates companies that are light with book.
Sagicor Financial Co Graham Number Related Terms
Sagicor Financial Co Graham Number Historical Data
* Premium members only.
The historical data trend for Sagicor Financial Co's Graham Number 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 Price-to-Graham-Number, along with its competitors' market caps and Price-to-Graham-Number 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 Price-to-Graham-Number vs Insurance Industry
For the Insurance industry and Financial Services sector, Sagicor Financial Co's Price-to-Graham-Number distribution charts can be found below:
* The bar in red indicates where Sagicor Financial Co's Price-to-Graham-Number 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.
Sagicor Financial Co (SGCFF) has a Graham Number of $5.07 as of Mar. 2026. The Graham Number values a company based on its per-share earnings and book value. View historical data on Sagicor Financial Co and its competitors. This is 745% above median its historical median of 0.60. Over the past decade, Sagicor Financial Co's Graham Number has ranged from 0.39 to 1.89. According to the industry distribution chart, Sagicor Financial Co ranks #290 out of 424 companies in the Insurance industry, placing it in the top 68.4%.
Is Sagicor Financial Co's Graham Number too high?
Sagicor Financial Co's current Graham Number of $5.07 is 745% above median its 10-year median of 0.60. Over the past 10 years, this metric has ranged from a low of 0.39 to a high of 1.89. The Insurance industry median Graham Number is 0.93. Sagicor Financial Co's value of $5.07 is 448.1% above this industry median. Based on the distribution chart, Sagicor Financial Co ranks #290 out of 424 companies in the Insurance industry, which is below the industry midpoint. Overall, Sagicor Financial Co has a GF Score™ of 71/100 and is considered Fairly Valued, reflecting its overall financial health beyond just this single metric.
How does Sagicor Financial Co's Graham Number compare to AFL and MET?
According to the Insurance industry distribution chart, Sagicor Financial Co ranks #290 out of 424 companies for Graham Number. This places Sagicor Financial Co in the lower half of its industry. The industry median Graham Number is 0.93. Sagicor Financial Co's value of $5.07 is 448.1% above this benchmark. Historically, Sagicor Financial Co's own Graham Number has ranged from 0.39 to 1.89 over the past decade. While the company's 10-year median is 0.60 vs. the industry median of 0.93, 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 Graham Number for an Insurance company?
The median Graham Number among Insurance companies is 0.93, based on 424 companies in the industry. Companies in the top quartile (top 25%) have a Graham Number significantly above this median, while those in the bottom quartile fall well below. However, Graham Number should not be evaluated in isolation — investors should consider it alongside profitability, growth, and financial strength metrics. Sagicor Financial Co's current Graham Number of $5.07 is 448.1% 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 Graham Number mean?
A high Graham Number can signal that a stock is expensive relative to its fundamentals. The Graham Number values a company based on its per-share earnings and book value. View historical data on Sagicor Financial Co and its competitors. For the Insurance industry, the median Graham Number is 0.93 — values significantly above this may indicate overvaluation, while values below may suggest a bargain or underlying issues. Sagicor Financial Co's current Graham Number is $5.07, which is 745% above median its own 10-year median of 0.60. 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 $6.00, compared to a current price of $6.08 — trading 1.3% above its estimated fair value. The current Graham Number is $5.07, which is 745% above median its 10-year median of 0.60 and 448.1% above the Insurance industry median of 0.93. Sagicor Financial Co's overall GF Score™ is 71/100 with 6 warning signs to review. Investors should evaluate multiple metrics — including profitability, growth, and financial strength — before making a decision.
How is Graham Number calculated?
Graham Number is calculated from a company's financial statements. For Sagicor Financial Co (SGCFF), the current Graham Number is $5.07 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 overvalued.
The current stock price of $6.08 is trading 1.3% above its estimated GF Value™ of $6.00.
GuruFocus considers Sagicor Financial Co to be Fairly Valued.
Key valuation signals for SGCFF:
Graham Number: $5.07 (745% above median its 10-year median of 0.60)
GF Value™: $6.00 vs. price of $6.08 (1.3% above fair value)
Industry Position: 448.1% above the Insurance median (#290 of 424)
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.
71GF Score
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