Sagicor Group Jamaica (XJAM:SJ) LT-Debt-to-Total-Asset: 0.04 (As of Dec. 2025)

What is Sagicor Group Jamaica LT-Debt-to-Total-Asset?

Sagicor Group Jamaica XJAM:SJ +1.63% 59 LT-Debt-to-Total-Asset is 0.04 as of Dec. 2025. GuruFocus rates XJAM:SJ with a GF Score™ of 59/100 and a GF Value™ of JMD48.66 (Modestly Undervalued).

LT Debt to Total Assets is a measurement representing the percentage of a corporation's assets that are financed with loans and financial obligations lasting more than one year. The ratio provides a general measure of the financial position of a company, including its ability to meet financial requirements for outstanding loans. It is calculated as a company's Long-Term Debt & Capital Lease Obligationdivide by its Total Assets. Sagicor Group Jamaica's long-term debt to total assests ratio for the quarter that ended in Dec. 2025 was 0.04.

Sagicor Group Jamaica's long-term debt to total assets ratio increased from Dec. 2024 (0.03) to Dec. 2025 (0.04). It may suggest that Sagicor Group Jamaica is progressively becoming more dependent on debt to grow their business.

Sagicor Group Jamaica (XJAM:SJ) LT-Debt-to-Total-Asset Explanation

LT Debt to Total Asset is a measurement representing the percentage of a corporation's assets that are financed with loans and financial obligations lasting more than one year. The ratio provides a general measure of the financial position of a company, including its ability to meet financial requirements for outstanding loans. A year-over-year decrease in this metric would suggest the company is progressively becoming less dependent on debt to grow their business.

Sagicor Group Jamaica LT-Debt-to-Total-Asset Related Terms

Sagicor Group Jamaica LT-Debt-to-Total-Asset Historical Data

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The historical data trend for Sagicor Group Jamaica's LT-Debt-to-Total-Asset 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 LT-Debt-to-Total-Asset Chart

Sagicor Group Jamaica Annual Data

Trend

Dec16

Dec17

Dec18

Dec19

Dec20

Dec21

Dec22

Dec23

Dec24

Dec25

LT-Debt-to-Total-Asset

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0.02

0.04

0.03

0.04

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
LT-Debt-to-Total-Asset	Get a 7-Day Free Trial															0.03	0.01	0.01	0.01	0.04

59GF Score

Sagicor Group Jamaica Ltd XJAM:SJ

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Sagicor Group Jamaica LT-Debt-to-Total-Asset Calculation

Sagicor Group Jamaica's Long-Term Debt to Total Asset Ratio for the fiscal year that ended in Dec. 2025 is calculated as

LT Debt to Total Assets (A: Dec. 2025 )	=	Long-Term Debt & Capital Lease Obligation (A: Dec. 2025 )	/	Total Assets (A: Dec. 2025 )
	=	24330.057	/	703596.778
	=	0.03

Sagicor Group Jamaica's Long-Term Debt to Total Asset Ratio for the quarter that ended in Dec. 2025 is calculated as

LT Debt to Total Assets (Q: Dec. 2025 )	=	Long-Term Debt & Capital Lease Obligation (Q: Dec. 2025 )	/	Total Assets (Q: Dec. 2025 )
	=	24330.057	/	703596.778
	=	0.03

Frequently Asked Questions Learn more about LT-Debt-to-Total-Asset →

What does a LT-Debt-to-Total-Asset of 0.04 mean?

Sagicor Group Jamaica (XJAM:SJ) has a LT-Debt-to-Total-Asset of 0.04 as of Dec. 2025. Long-term Debt to Total Asset ratio is the ratio of total long-term debt to total assets. View historical data on Sagicor Group Jamaica and its competitors.

Is Sagicor Group Jamaica's LT-Debt-to-Total-Asset too high?

Sagicor Group Jamaica's current LT-Debt-to-Total-Asset is 0.04. 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 LT-Debt-to-Total-Asset compare to AFL and MET?

Sagicor Group Jamaica's LT-Debt-to-Total-Asset of 0.04 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 LT-Debt-to-Total-Asset for an Insurance company?

A good LT-Debt-to-Total-Asset depends on the Insurance industry context. However, LT-Debt-to-Total-Asset 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 LT-Debt-to-Total-Asset mean?

A high LT-Debt-to-Total-Asset can signal that a stock is expensive relative to its fundamentals. Long-term Debt to Total Asset ratio is the ratio of total long-term debt to total assets. View historical data on Sagicor Group Jamaica and its competitors. Sagicor Group Jamaica's current LT-Debt-to-Total-Asset is 0.04. 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 JMD48.66, compared to a current price of JMD39.85 — trading 18.1% below its estimated fair value. The current LT-Debt-to-Total-Asset is 0.04. 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 LT-Debt-to-Total-Asset calculated?

LT-Debt-to-Total-Asset is calculated from a company's financial statements. For Sagicor Group Jamaica (XJAM:SJ), the current LT-Debt-to-Total-Asset is 0.04 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 JMD39.85 is trading 18.1% below its estimated GF Value™ of JMD48.66. GuruFocus considers Sagicor Group Jamaica to be Modestly Undervalued.

Key valuation signals for XJAM:SJ:

LT-Debt-to-Total-Asset: 0.04
GF Value™: JMD48.66 vs. price of JMD39.85 (18.1% 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

Industry Financial Services Insurance

Comparable Companies SHSE:601628 SHSE:601318 HKSE:01299 TSX:MFC AFL TPE:2881 TSX:GWO BOM:543526 MET XKRX:032830 TPE:2882 TSE:8750 TSX:POW SHSE:601601 PRU LSE:PRU SHSE:601336 BOM:540719 TPE:2883 UNM

Address 28 - 48 Barbados Avenue, R. Danny Williams Building, Kingston, JAM, 5

Website https://www.sagicor.com

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

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

JMD39.85

Price

JMD48.66

GF Value

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