Sagicor Group Jamaica (XJAM:SJ) Retained Earnings: JMD86,388 Mil (As of Dec. 2025)

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XJAM:SJ Sagicor Group Jamaica Ltd XJAM:SJ
59 GF Score
Price JMD41.01
GF Value JMD49.26
Valuation Modestly Undervalued
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What is Sagicor Group Jamaica Retained Earnings?

Sagicor Group Jamaica XJAM:SJ +5.83% 59 Retained Earnings is JMD86,388 Mil as of Dec. 2025. GuruFocus rates XJAM:SJ with a GF Score™ of 59/100 and a GF Value™ of JMD49.26 (Modestly Undervalued).

Retained earnings is the accumulated portion of net income that is not distributed to shareholders. Sagicor Group Jamaica's retained earnings for the quarter that ended in Dec. 2025 was JMD86,388 Mil.

Sagicor Group Jamaica's quarterly retained earnings increased from Jun. 2025 (JMD82,841 Mil) to Sep. 2025 (JMD83,378 Mil) and increased from Sep. 2025 (JMD83,378 Mil) to Dec. 2025 (JMD86,388 Mil).

Sagicor Group Jamaica's annual retained earnings increased from Dec. 2023 (JMD76,450 Mil) to Dec. 2024 (JMD78,369 Mil) and increased from Dec. 2024 (JMD78,369 Mil) to Dec. 2025 (JMD86,388 Mil).


Sagicor Group Jamaica  (XJAM:SJ) 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 Group Jamaica Retained Earnings Historical Data

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The historical data trend for Sagicor Group Jamaica'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 Group Jamaica Retained Earnings Chart

Sagicor Group Jamaica Annual Data
Trend Dec16 Dec17 Dec18 Dec19 Dec20 Dec21 Dec22 Dec23 Dec24 Dec25
Retained Earnings
Get a 7-Day Free Trial Premium Member Only Premium Member Only 60,089.74 65,270.19 76,450.20 78,369.08 86,387.68

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
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 78,369.08 78,846.37 82,841.27 83,378.05 86,387.68
XJAM:SJ
59GF Score
Sagicor Group Jamaica Ltd XJAM:SJ
Retained Earnings is just one metric. See GF Score™, valuation, warning signs, and more.
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Sagicor Group Jamaica 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 JMD86,388 Mil mean?
Sagicor Group Jamaica (XJAM:SJ) has a Retained Earnings of JMD86,388 Mil as of Dec. 2025. Retained earnings is the amount of net income not issued to shareholders. View historical data on Sagicor Group Jamaica and its competitors.
Is Sagicor Group Jamaica's Retained Earnings too high?
Sagicor Group Jamaica's current Retained Earnings is JMD86,388 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 Retained Earnings compare to AFL and MET?
Sagicor Group Jamaica's Retained Earnings of JMD86,388 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 Group Jamaica and its competitors. Sagicor Group Jamaica's current Retained Earnings is JMD86,388 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 JMD49.26, compared to a current price of JMD41.01 — trading 16.7% below its estimated fair value. The current Retained Earnings is JMD86,388 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 Retained Earnings calculated?
Retained Earnings is calculated from a company's financial statements. For Sagicor Group Jamaica (XJAM:SJ), the current Retained Earnings is JMD86,388 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 JMD41.01 is trading 16.7% below its estimated GF Value™ of JMD49.26. GuruFocus considers Sagicor Group Jamaica to be Modestly Undervalued.

Key valuation signals for XJAM:SJ:

  • Retained Earnings: JMD86,388 Mil
  • GF Value™: JMD49.26 vs. price of JMD41.01 (16.7% 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

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

Retained Earnings is just one metric. See GF Value™, 30-year financials, guru trades, warning signs, and more.

JMD41.01
Price
JMD49.26
GF Value