Return-on-Tangible-Equity is calculated as Net Income divided by its average total shareholder tangible equity. Total shareholder tangible equity equals to Total Stockholders Equity minus Intangible Assets. Sagicor Financial Co's annualized net income for the quarter that ended in Mar. 2026 was $-138 Mil. Sagicor Financial Co's average shareholder tangible equity for the quarter that ended in Mar. 2026 was $925 Mil. Therefore, Sagicor Financial Co's annualized Return-on-Tangible-Equity for the quarter that ended in Mar. 2026 was -14.89%.
The historical rank and industry rank for Sagicor Financial Co's Return-on-Tangible-Equity or its related term are showing as below:
SGCFF'
s Return-on-Tangible-Equity Range Over the Past 10 Years
Min: -37.94 Med: 9.35 Max: 88.22
Current: 2.84
During the past 9 years, Sagicor Financial Co's highest Return-on-Tangible-Equity was 88.22%. The lowest was -37.94%. And the median was 9.35%.
SGCFF's Return-on-Tangible-Equity is ranked worse than 87.4% of 500
companies
in the Insurance industry
Industry Median: 13.515
vs SGCFF: 2.84
Sagicor Financial Co (OTCPK:SGCFF) Return-on-Tangible-Equity Explanation
Return-on-Tangible-Equity measures the rate of return on the ownership interest (shareholder's tangible equity) of the common stock owners. It measures a firm's efficiency at generating profits from every unit of shareholders' tangible equity (shareholders equity minus intangibles). Return-on-Tangible-Equity shows how well a company uses investment funds to generate earnings growth. Return-on-Tangible-Equitys between 15% and 20% are considered desirable.
Be Aware
Net Income is used.
Because a company can increase its Return-on-Tangible-Equity by having more financial leverage, it is important to watch the leverage ratio when investing in high Return-on-Tangible-Equity companies. Like Return-on-Tangible-Asset, Return-on-Tangible-Equity is calculated with only 12 months data. Fluctuations in company's earnings or business cycles can affect the ratio drastically. It is important to look at the ratio from a long term perspective.
Asset light businesses require very few assets to generate very high earnings. Their Return-on-Tangible-Equitys can be extremely high.
Sagicor Financial Co Return-on-Tangible-Equity Related Terms
Sagicor Financial Co Return-on-Tangible-Equity Historical Data
* Premium members only.
The historical data trend for Sagicor Financial Co's Return-on-Tangible-Equity 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 Return-on-Tangible-Equity Chart
SGCFF vs AFL, MET, PRU: Return-on-Tangible-Equity Comparison
For the Insurance - Life subindustry, Sagicor Financial Co's Return-on-Tangible-Equity, along with its competitors' market caps and Return-on-Tangible-Equity 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.
Sagicor Financial Co Return-on-Tangible-Equity vs Insurance Industry
For the Insurance industry and Financial Services sector, Sagicor Financial Co's Return-on-Tangible-Equity distribution charts can be found below:
* The bar in red indicates where Sagicor Financial Co's Return-on-Tangible-Equity falls into.
* 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.
In the calculation of annual Return-on-Tangible-Equity, the net income of the last fiscal year and the average total shareholder tangible equity over the fiscal year are used. In calculating the quarterly data,
the net income data used here is four times the quarterly (Mar. 2026) net income data.
Return-on-Tangible-Equity is displayed in the 10-year financial page.
What does a Return-on-Tangible-Equity of -14.89% mean?
Sagicor Financial Co (SGCFF) has a Return-on-Tangible-Equity of -14.89% as of Mar. 2026. Return on tangible equity is the ratio of current-period net income to average two-period tangible equity. View historical data on Sagicor Financial Co and its competitors. According to the industry distribution chart, Sagicor Financial Co ranks #437 out of 500 companies in the Insurance industry, placing it in the top 87.4%.
Is Sagicor Financial Co's Return-on-Tangible-Equity too high?
Sagicor Financial Co's current Return-on-Tangible-Equity is -14.89%. Based on the distribution chart, Sagicor Financial Co ranks #437 out of 500 companies in the Insurance industry, which is in the bottom quartile relative to peers. Overall, Sagicor Financial Co has a GF Score™ of 73/100 and is considered Fairly Valued, reflecting its overall financial health beyond just this single metric.
How does Sagicor Financial Co's Return-on-Tangible-Equity compare to AFL and MET?
According to the Insurance industry distribution chart, Sagicor Financial Co ranks #437 out of 500 companies for Return-on-Tangible-Equity. This places Sagicor Financial Co in the lower half of its industry. The industry median Return-on-Tangible-Equity is 13.52. See the competitive comparison table and distribution chart on this page for a detailed peer-by-peer breakdown.
What is a good Return-on-Tangible-Equity for an Insurance company?
The median Return-on-Tangible-Equity among Insurance companies is 13.52, based on 500 companies in the industry. Companies in the top quartile (top 25%) have a Return-on-Tangible-Equity significantly above this median, while those in the bottom quartile fall well below. However, Return-on-Tangible-Equity 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 Return-on-Tangible-Equity mean?
A high Return-on-Tangible-Equity can signal that a stock is expensive relative to its fundamentals. Return on tangible equity is the ratio of current-period net income to average two-period tangible equity. View historical data on Sagicor Financial Co and its competitors. For the Insurance industry, the median Return-on-Tangible-Equity is 13.52 — values significantly above this may indicate overvaluation, while values below may suggest a bargain or underlying issues. Sagicor Financial Co's current Return-on-Tangible-Equity is -14.89%. 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 $5.97, compared to a current price of $6.00 — trading 0.5% above its estimated fair value. The current Return-on-Tangible-Equity is -14.89%. Sagicor Financial Co's overall GF Score™ is 73/100 with 6 warning signs to review. Investors should evaluate multiple metrics — including profitability, growth, and financial strength — before making a decision.
How is Return-on-Tangible-Equity calculated?
Return-on-Tangible-Equity is calculated from a company's financial statements. For Sagicor Financial Co (SGCFF), the current Return-on-Tangible-Equity is -14.89% 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 overvalued.
The current stock price of $6.00 is trading 0.5% above its estimated GF Value™ of $5.97.
GuruFocus considers Sagicor Financial Co to be Fairly Valued.
Key valuation signals for SGCFF:
Return-on-Tangible-Equity: -14.89%
GF Value™: $5.97 vs. price of $6.00 (0.5% above fair value)
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 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.
73GF Score
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Return-on-Tangible-Equity is just one metric. See GF Value™, 30-year financials, guru trades, warning signs, and more.
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