Scotia Group Jamaica (XJAM:SGJ) Margin of Safety % (DCF FCF Based): -11.05% (As of Jul. 13, 2026)

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XJAM:SGJ Scotia Group Jamaica Ltd XJAM:SGJ
81 GF Score
Price JMD58.18
GF Value JMD57.69
Valuation Fairly Valued
! 4 Warning Signs
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What is Scotia Group Jamaica Margin of Safety % (DCF FCF Based)?

Scotia Group Jamaica XJAM:SGJ -0.51% 81 Margin of Safety % (DCF FCF Based) is -11.05% as of Jul. 13, 2026. GuruFocus rates XJAM:SGJ with a GF Score™ of 81/100 and a GF Value™ of JMD57.69 (Fairly Valued). The stock has 4 warning signs investors should review.

Margin of Safety % (DCF FCF Based) = (Intrinsic Value: DCF (FCF Based) - Current Price) / Intrinsic Value: DCF (FCF Based).

Note: Discounted FCF model is only suitable for predictable companies (Business Predictability Rank higher than 1-Star). If the company's Predictability Rank is 1-Star or Not Rated, result may not be accurate due to the low predictability of business and the data will not be stored into our database.

As of today (2026-07-13), Scotia Group Jamaica's Predictability Rank is 3.5-Stars. Scotia Group Jamaica's intrinsic value calculated from the Discounted FCF model is JMD84.77 and current share price is JMD58.18. Consequently,

Scotia Group Jamaica's Margin of Safety % (DCF FCF Based) using Discounted FCF model is -11.05%.

XJAM:SGJ vs PNC, USB: Margin of Safety % (DCF FCF Based) Comparison

For the Banks - Regional subindustry, Scotia Group Jamaica's Margin of Safety % (DCF FCF Based), along with its competitors' market caps and Margin of Safety % (DCF FCF Based) 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.

Scotia Group Jamaica Margin of Safety % (DCF FCF Based) vs Banks Industry

For the Banks industry and Financial Services sector, Scotia Group Jamaica's Margin of Safety % (DCF FCF Based) distribution charts can be found below:

* The bar in red indicates where Scotia Group Jamaica's Margin of Safety % (DCF FCF Based) falls into.


XJAM:SGJ
81GF Score
Scotia Group Jamaica Ltd XJAM:SGJ
Margin of Safety % (DCF FCF Based) is just one metric. See GF Score™, valuation, warning signs, and more.
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Scotia Group Jamaica Margin of Safety % (DCF FCF Based) Calculation

Scotia Group Jamaica's Margin of Safety % (DCF FCF Based) for today is calculated as

Margin of Safety % (DCF FCF Based)=(Intrinsic Value: DCF (FCF Based)-Current Price)/Intrinsic Value: DCF (FCF Based)
=(52.39-58.18)/52.39
=-11.05 %

* 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.

The intrinsic value is calculated from the Discounted FCF model with default parameters. The calculation method is the same as Discounted Earnings model except free cash flow are used in the calculation instead of earnings per share.

What does a Margin of Safety % (DCF FCF Based) of -11.05% mean?
Scotia Group Jamaica (XJAM:SGJ) has a Margin of Safety % (DCF FCF Based) of -11.05% as of Jul. 13, 2026. Margin of Safety % (DCF FCF Based) is the percent difference between the current price and the intrinsic DCF FCF price. View historical data on Scotia Group Jamaica.
Is Scotia Group Jamaica's Margin of Safety % (DCF FCF Based) too high?
Scotia Group Jamaica's current Margin of Safety % (DCF FCF Based) is -11.05%. Overall, Scotia Group Jamaica has a GF Score™ of 81/100 and is considered Fairly Valued, reflecting its overall financial health beyond just this single metric.
How does Scotia Group Jamaica's Margin of Safety % (DCF FCF Based) compare to PNC and USB?
Scotia Group Jamaica's Margin of Safety % (DCF FCF Based) of -11.05% can be compared against companies in the Banks industry. See the competitive comparison table and distribution chart on this page for a detailed peer-by-peer breakdown.
What is a good Margin of Safety % (DCF FCF Based) for a Banks company?
A good Margin of Safety % (DCF FCF Based) depends on the Banks industry context. However, Margin of Safety % (DCF FCF Based) 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 Margin of Safety % (DCF FCF Based) mean?
A high Margin of Safety % (DCF FCF Based) can signal that a stock is expensive relative to its fundamentals. Margin of Safety % (DCF FCF Based) is the percent difference between the current price and the intrinsic DCF FCF price. View historical data on Scotia Group Jamaica. Scotia Group Jamaica's current Margin of Safety % (DCF FCF Based) is -11.05%. However, context matters — high-growth companies often justify higher valuations. Always evaluate alongside other metrics like GF Score™ and GF Value™.
Is Scotia Group Jamaica stock overvalued right now?
Based on GuruFocus' analysis, Scotia Group Jamaica (XJAM:SGJ) is currently considered Fairly Valued. The stock's GF Value™ is JMD57.69, compared to a current price of JMD58.18 — trading 0.8% above its estimated fair value. The current Margin of Safety % (DCF FCF Based) is -11.05%. Scotia Group Jamaica's overall GF Score™ is 81/100 with 4 warning signs to review. Investors should evaluate multiple metrics — including profitability, growth, and financial strength — before making a decision.
How is Margin of Safety % (DCF FCF Based) calculated?
Margin of Safety % (DCF FCF Based) is calculated from a company's financial statements. For Scotia Group Jamaica (XJAM:SGJ), the current Margin of Safety % (DCF FCF Based) is -11.05% as of Jul. 13, 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 Scotia Group Jamaica (XJAM:SGJ) Overvalued in 2026?

Based on GuruFocus' analysis, Scotia Group Jamaica stock appears to be overvalued. The current stock price of JMD58.18 is trading 0.8% above its estimated GF Value™ of JMD57.69. GuruFocus considers Scotia Group Jamaica to be Fairly Valued.

Key valuation signals for XJAM:SGJ:

  • Margin of Safety % (DCF FCF Based): -11.05%
  • GF Value™: JMD57.69 vs. price of JMD58.18 (0.8% above fair value)
  • GF Score™: 81/100 with 4 warning signs

No single metric tells the full story. See the XJAM:SGJ stock analysis page for a complete view including 30-year financials, guru trades, and insider activity.

Scotia Group Jamaica Business Description

Address Port Royal Streets, P.O. Box 709, Corner Duke, Scotiabank Centre, Kingston, JAM
Scotia Group Jamaica Ltd is a Jamaican financial holding company. It provides a range of financial services through its subsidiaries to personal, commercial, corporate, and government clients across Jamaica. The company has six business segments: Retail, Corporate and Commercial, Treasury, Investment Management Services, Insurance Services, and Others. It generates maximum revenue from the Retail banking segment. The retail banking segment includes personal banking services, personal deposit accounts, credit and debit cards, consumer loans, mortgages, and microfinance.
81GF Score

Get the complete analysis for XJAM:SGJ

Margin of Safety % (DCF FCF Based) is just one metric. See GF Value™, 30-year financials, guru trades, warning signs, and more.

JMD58.18
Price
JMD57.69
GF Value