SGCFF (Sagicor Financial Co) Retained Earnings: $392 Mil (As of Mar. 2026)


SGCFF Sagicor Financial Co Ltd SGCFF
71 GF Score
Price $6.00
GF Value $6.42
Valuation Fairly Valued
! 6 Warning Signs
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What is Sagicor Financial Co Retained Earnings?

Sagicor Financial Co SGCFF 71 Retained Earnings is $392 Mil as of Mar. 2026. GuruFocus rates SGCFF with a GF Score™ of 71/100 and a GF Value™ of $6.42 (Fairly Valued). The stock has 6 warning signs investors should review.

Retained earnings is the accumulated portion of net income that is not distributed to shareholders. Sagicor Financial Co's retained earnings for the quarter that ended in Mar. 2026 was $392 Mil.

Sagicor Financial Co's quarterly retained earnings declined from Sep. 2025 ($467 Mil) to Dec. 2025 ($438 Mil) and declined from Dec. 2025 ($438 Mil) to Mar. 2026 ($392 Mil).

Sagicor Financial Co's annual retained earnings increased from Dec. 2023 ($318 Mil) to Dec. 2024 ($418 Mil) and increased from Dec. 2024 ($418 Mil) to Dec. 2025 ($438 Mil).


Sagicor Financial Co  (OTCPK:SGCFF) Retained Earnings Explanation

Historically profitable companies sometimes have negative retained earnings. This is because they have cumulatively paid out more to shareholders than they reported in profits.

For example, in 2011, Microsoft had negative retained earnings. This does not mean the company lost more money than it made over the years. It just means it paid out more money than it earned.

If a company has negative retained earnings, investors should check the 10-year financial results. They should not assume that negative retained earnings prove a company has generally lost money in the past.

Of course, many companies with negative retained earnings have indeed lost money in the past.

Retained Earnings: Warren Buffett's Secret.

One of the most important indicators of durable competitive advantage. Net earnings can be paid out as dividends, used to buy back shares or retained for growth.

If the company loses more than it has accumulated, retained earnings is negative.

If a company isn't adding to its retained earnings, it isn't growing its net worth.

Rate of growth of retained earnings is good indicator whether it's benefiting from a competitive advantage.

Microsoft is negative because it chose to buyback stock and pay dividends.

The more earnings retained, the faster it grows and increases growth rate for future earnings.


Sagicor Financial Co Retained Earnings Historical Data

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The historical data trend for Sagicor Financial Co's Retained Earnings 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 Financial Co Retained Earnings Chart

Sagicor Financial Co Annual Data
Trend Mar17 Mar18 Mar19 Dec20 Dec21 Dec22 Dec23 Dec24 Dec25
Retained Earnings
Get a 7-Day Free Trial Premium Member Only -3.03 -191.22 317.91 418.44 437.73

Sagicor Financial Co Quarterly Data
Jun21 Sep21 Dec21 Mar22 Jun22 Sep22 Dec22 Mar23 Jun23 Sep23 Dec23 Mar24 Jun24 Sep24 Dec24 Mar25 Jun25 Sep25 Dec25 Mar26
Retained Earnings Get a 7-Day Free Trial Premium Member Only Premium Member Only Premium Member Only Premium Member Only Premium Member Only Premium Member Only Premium Member Only Premium Member Only Premium Member Only Premium Member Only Premium Member Only Premium Member Only 414.19 396.18 466.66 437.73 392.31
SGCFF
71GF Score
Sagicor Financial Co Ltd SGCFF
Retained Earnings is just one metric. See GF Score™, valuation, warning signs, and more.
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Sagicor Financial Co Retained Earnings Calculation

Retained Earnings is the accumulated portion of net income that is not distributed to shareholders. Because the net income was not distributed to shareholders, shareholders' equity is increased by the same amount.

Of course, if a company loses, it is called retained losses, or accumulated losses.

Frequently Asked Questions Learn more about Retained Earnings →
What does a Retained Earnings of $392 Mil mean?
Sagicor Financial Co (SGCFF) has a Retained Earnings of $392 Mil as of Mar. 2026. Retained earnings is the amount of net income not issued to shareholders. View historical data on Sagicor Financial Co and its competitors.
Is Sagicor Financial Co's Retained Earnings too high?
Sagicor Financial Co's current Retained Earnings is $392 Mil. 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 Retained Earnings compare to AFL and MET?
Sagicor Financial Co's Retained Earnings of $392 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 Retained Earnings for an Insurance company?
A good Retained Earnings depends on the Insurance industry context. However, Retained Earnings 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 Retained Earnings mean?
A high Retained Earnings can signal that a stock is expensive relative to its fundamentals. Retained earnings is the amount of net income not issued to shareholders. View historical data on Sagicor Financial Co and its competitors. Sagicor Financial Co's current Retained Earnings is $392 Mil. 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 $6.42, compared to a current price of $6.00 — trading 6.5% below its estimated fair value. The current Retained Earnings is $392 Mil. 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 Retained Earnings calculated?
Retained Earnings is calculated from a company's financial statements. For Sagicor Financial Co (SGCFF), the current Retained Earnings is $392 Mil 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 undervalued. The current stock price of $6.00 is trading 6.5% below its estimated GF Value™ of $6.42. GuruFocus considers Sagicor Financial Co to be Fairly Valued.

Key valuation signals for SGCFF:

  • Retained Earnings: $392 Mil
  • GF Value™: $6.42 vs. price of $6.00 (6.5% below fair value)
  • GF Score™: 71/100 with 6 warning signs

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 Business Description

Other Exchanges SFC:Canada
Address Wildey, Cecil F De Caires Building, Saint Michael, BRB, BB15096
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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Retained Earnings is just one metric. See GF Value™, 30-year financials, guru trades, warning signs, and more.

$6.00
Price
$6.42
GF Value