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Net Income is the net profit that a company earns after deducting all costs and losses including cost of goods, SGA, DDA, interest expenses, non-recurring items and tax. Sagicor Group Jamaica's Net Income for the
three
months ended in Dec. 2025 was JMD2,997 Mil. Its Net Income for the trailing twelve months (TTM) ended in Dec. 2025 was JMD16,222 Mil.
Sagicor Group Jamaica (XJAM:SJ) Net Income Explanation
Net Income is the most widely cited number in reporting a company's profitability. It is linked to the most popular earnings-per-share (EPS) number through:
Sagicor Group Jamaica's Earnings per Share (Diluted) (EPS) for the quarter that ended in Dec. 2025 is calculated as
* 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.
Although Net Income and Earnings-per-Share (EPS) are the most widely used parameter in measuring a company's profitability and valuation, it is the least reliable. The reason is that reported earnings can be manipulated easily by adjusting any numbers such as Depreciation, Depletion and Amotorization and non-recurring items.
EPS is most useful for companies that have:
A predictable business
Consistent accounting methods
And few restructurings
The dividend paid to preferred stocks needs to be subtracted from the total net income in the calculation of EPS because common stock holders are not entitled to that part of the net income.
Be Aware
Warren Buffett looks for consistency and upward long term trend. Because of share repurchase it is possible for net earnings trend to differ from EPS trend. He preferred Net Income over EPS. The companies with durable competitive advantage companies report higher % net earnings to total revenues.
Important: If a company is showing net earnings history greater than 20% on total revenues, it is probably benefiting from a long term competitive advantage.
If net earnings is less than 10%, likely to be in a highly competitive business.
* 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.
Net Income is the net profit that a company earns after deducting all costs and losses including cost of goods, SGA, DDA, interest expenses, non-recurring items and tax.
Net Income 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 JMD16,222 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 Net Income of JMD16,222 Mil as of Dec. 2025. Net Income is the total earnings after all operating expenses, interest and taxes. View historical data on Sagicor Group Jamaica and its competitors.
Is Sagicor Group Jamaica's Net Income too high?
Sagicor Group Jamaica's current Net Income is JMD16,222 Mil. 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 Net Income compare to MET and AFL?
Sagicor Group Jamaica's Net Income of JMD16,222 Mil 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 Net Income for an Insurance company?
A good Net Income depends on the Insurance industry context. However, Net Income 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 Net Income mean?
A high Net Income can signal that a stock is expensive relative to its fundamentals. Net Income is the total earnings after all operating expenses, interest and taxes. View historical data on Sagicor Group Jamaica and its competitors. Sagicor Group Jamaica's current Net Income is JMD16,222 Mil. 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 JMD49.94, compared to a current price of JMD40.33 — trading 19.2% below its estimated fair value. The current Net Income is JMD16,222 Mil. 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 Net Income calculated?
Net Income is calculated from a company's financial statements. For Sagicor Group Jamaica (XJAM:SJ), the current Net Income is JMD16,222 Mil 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 JMD40.33 is trading 19.2% below its estimated GF Value™ of JMD49.94.
GuruFocus considers Sagicor Group Jamaica to be Modestly Undervalued.
Key valuation signals for XJAM:SJ:
Net Income: JMD16,222 Mil
GF Value™: JMD49.94 vs. price of JMD40.33 (19.2% 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
Net Income is just one metric. See GF Value™, 30-year financials, guru trades, warning signs, and more.
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