Sagicor Group Jamaica (XJAM:SJ) ROE % Adjusted to Book Value: 7.80% (As of Dec. 2025)


XJAM:SJ Sagicor Group Jamaica Ltd XJAM:SJ
61 GF Score
Price JMD39.06
GF Value JMD48.52
Valuation Modestly Undervalued
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What is Sagicor Group Jamaica ROE % Adjusted to Book Value?

Sagicor Group Jamaica XJAM:SJ -1.09% 61 ROE % Adjusted to Book Value is 7.80% as of Dec. 2025. GuruFocus rates XJAM:SJ with a GF Score™ of 61/100 and a GF Value™ of JMD48.52 (Modestly Undervalued).

Sagicor Group Jamaica's ROE % for the quarter that ended in Dec. 2025 was 10.53%. Sagicor Group Jamaica's PB Ratio for the quarter that ended in Dec. 2025 was 1.35. Sagicor Group Jamaica's ROE % Adjusted to Book Value for the quarter that ended in Dec. 2025 was 7.80%.


Sagicor Group Jamaica ROE % Adjusted to Book Value Related Terms


Sagicor Group Jamaica ROE % Adjusted to Book Value Historical Data

* Premium members only.

The historical data trend for Sagicor Group Jamaica's ROE % Adjusted to Book Value 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 ROE % Adjusted to Book Value Chart

Sagicor Group Jamaica Annual Data
Trend Dec16 Dec17 Dec18 Dec19 Dec20 Dec21 Dec22 Dec23 Dec24 Dec25
ROE % Adjusted to Book Value
Get a 7-Day Free Trial Premium Member Only Premium Member Only 7.22 4.26 8.38 6.14 11.07

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
ROE % Adjusted to Book Value 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 6.89 9.50 11.91 11.19 7.80

XJAM:SJ vs AFL, MET, PRU: ROE % Adjusted to Book Value Comparison

For the Insurance - Life subindustry, Sagicor Group Jamaica's ROE % Adjusted to Book Value, along with its competitors' market caps and ROE % Adjusted to Book Value 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 Group Jamaica ROE % Adjusted to Book Value vs Insurance Industry

For the Insurance industry and Financial Services sector, Sagicor Group Jamaica's ROE % Adjusted to Book Value distribution charts can be found below:

* The bar in red indicates where Sagicor Group Jamaica's ROE % Adjusted to Book Value falls into.


XJAM:SJ
61GF Score
Sagicor Group Jamaica Ltd XJAM:SJ
ROE % Adjusted to Book Value is just one metric. See GF Score™, valuation, warning signs, and more.
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Sagicor Group Jamaica ROE % Adjusted to Book Value Calculation

Sagicor Group Jamaica's ROE % Adjusted to Book Value for the fiscal year that ended in Dec. 2025 is calculated as

ROE % Adjusted to Book Value=ROE % / PB Ratio
=14.94% / 1.35
=11.07%

Sagicor Group Jamaica's ROE % Adjusted to Book Value for the quarter that ended in Dec. 2025 is calculated as

ROE % Adjusted to Book Value=ROE % / PB Ratio
=10.53% / 1.35
=7.80%

* 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.

What does a ROE % Adjusted to Book Value of 7.80% mean?
Sagicor Group Jamaica (XJAM:SJ) has a ROE % Adjusted to Book Value of 7.80% as of Dec. 2025. Return on equity adjusted to book is the ratio of return on equity to price-book ratio. View historical data on Sagicor Group Jamaica and its competitors.
Is Sagicor Group Jamaica's ROE % Adjusted to Book Value too high?
Sagicor Group Jamaica's current ROE % Adjusted to Book Value is 7.80%. Overall, Sagicor Group Jamaica has a GF Score™ of 61/100 and is considered Modestly Undervalued, reflecting its overall financial health beyond just this single metric.
How does Sagicor Group Jamaica's ROE % Adjusted to Book Value compare to AFL and MET?
Sagicor Group Jamaica's ROE % Adjusted to Book Value of 7.80% 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 ROE % Adjusted to Book Value for an Insurance company?
A good ROE % Adjusted to Book Value depends on the Insurance industry context. However, ROE % Adjusted to Book Value 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 ROE % Adjusted to Book Value mean?
A high ROE % Adjusted to Book Value can signal that a stock is expensive relative to its fundamentals. Return on equity adjusted to book is the ratio of return on equity to price-book ratio. View historical data on Sagicor Group Jamaica and its competitors. Sagicor Group Jamaica's current ROE % Adjusted to Book Value is 7.80%. 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 JMD48.52, compared to a current price of JMD39.06 — trading 19.5% below its estimated fair value. The current ROE % Adjusted to Book Value is 7.80%. Sagicor Group Jamaica's overall GF Score™ is 61/100. Investors should evaluate multiple metrics — including profitability, growth, and financial strength — before making a decision.
How is ROE % Adjusted to Book Value calculated?
ROE % Adjusted to Book Value is calculated from a company's financial statements. For Sagicor Group Jamaica (XJAM:SJ), the current ROE % Adjusted to Book Value is 7.80% 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 JMD39.06 is trading 19.5% below its estimated GF Value™ of JMD48.52. GuruFocus considers Sagicor Group Jamaica to be Modestly Undervalued.

Key valuation signals for XJAM:SJ:

  • ROE % Adjusted to Book Value: 7.80%
  • GF Value™: JMD48.52 vs. price of JMD39.06 (19.5% below fair value)
  • GF Score™: 61/100

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.
61GF Score

Get the complete analysis for XJAM:SJ

ROE % Adjusted to Book Value is just one metric. See GF Value™, 30-year financials, guru trades, warning signs, and more.

JMD39.06
Price
JMD48.52
GF Value