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Sagicor Financial CoSTU:3RQ 77 ROE % is 34.43% as of Jun. 2026, which is 305% above its 10-year median of 8.50. GuruFocus rates STU:3RQ with a GF Score™ of 77/100. The stock has 4 warning signs investors should review. Among 497 Insurance companies, Sagicor Financial Co ranks worse than 50.7% on this metric.
ROE % measures the rate of return on the ownership interest (shareholder's equity) of the common stock owners. It measures a firm's efficiency at generating profits from every unit of shareholders' equity (also known as net assets or assets minus liabilities). ROE % shows how well a company uses investment funds to generate earnings growth. ROE %s between 15% and 20% are considered desirable.
The factors that affect a company's ROE % can be illustrated with the three-step DuPont Analysis:
Note:
The net income data used here is four times the quarterly (Jun. 2026) net income data. The Revenue data used here is four times the quarterly (Jun. 2026) revenue data. The same rule applies to Pre-Tax Income and Operating Income.
* In the five-step DuPont Analysis, Operating Income is only available for non-financial companies. Thus, for Insurance companies, we use EBIT as a substitution of Operating Income. For Banks, both Operating Income and EBIT is unavailable. Thus we combined Interest Burden and Operating Margin % into Pretax Margin %, and the DuPont Analysis is divided into four components instead.
* 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.
Be Aware
Net Income is used.
Because a company can increase its ROE % by having more financial leverage, it is important to watch the equity multiplier when investing in high ROE % companies. Like ROA %, ROE % 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 ROE %s can be extremely high.
* 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.
For the Insurance - Life subindustry, Sagicor Financial Co's ROE %, along with its competitors' market caps and ROE % 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 ROE % vs Insurance Industry
For the Insurance industry and Financial Services sector, Sagicor Financial Co's ROE % distribution charts can be found below:
* The bar in red indicates where Sagicor Financial Co's ROE % 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 ROE %, the net income of the last fiscal year and the average total shareholder equity over the fiscal year are used. In calculating the quarterly data,
the net income data used here is four times the quarterly (Jun. 2026) net income data.
ROE % is displayed in the 30-year financial page.
Sagicor Financial Co (STU:3RQ) has a ROE % of 34.43% as of Jun. 2026. Return on equity is the ratio of current-period net income to average two-period total equity. View historical data on Sagicor Financial Co and its competitors. This is 305% above median its historical median of 8.50. According to the industry distribution chart, Sagicor Financial Co ranks #252 out of 497 companies in the Insurance industry, placing it in the top 50.7%.
Is Sagicor Financial Co's ROE % too high?
Sagicor Financial Co's current ROE % of 34.43% is 305% above median its 10-year median of 8.50. The Insurance industry median ROE % is 11.93. Sagicor Financial Co's value of 34.43% is 188.6% above this industry median. Based on the distribution chart, Sagicor Financial Co ranks #252 out of 497 companies in the Insurance industry, which is below the industry midpoint. Overall, Sagicor Financial Co has a GF Score™ of 77/100, reflecting its overall financial health beyond just this single metric.
How does Sagicor Financial Co's ROE % compare to MET and AFL?
According to the Insurance industry distribution chart, Sagicor Financial Co ranks #252 out of 497 companies for ROE %. This places Sagicor Financial Co in the lower half of its industry. The industry median ROE % is 11.93. Sagicor Financial Co's value of 34.43% is 188.6% above this benchmark. While the company's 10-year median is 8.50 vs. the industry median of 11.93, Sagicor Financial Co has consistently been above the industry average. See the competitive comparison table and distribution chart on this page for a detailed peer-by-peer breakdown.
What is a good ROE % for an Insurance company?
The median ROE % among Insurance companies is 11.93, based on 497 companies in the industry. Companies in the top quartile (top 25%) have a ROE % significantly above this median, while those in the bottom quartile fall well below. However, ROE % should not be evaluated in isolation — investors should consider it alongside profitability, growth, and financial strength metrics. Sagicor Financial Co's current ROE % of 34.43% is 188.6% above the industry median. Use the industry distribution chart on this page to see where any company falls relative to its peers.
What does a high ROE % mean?
A high ROE % can signal that a stock is expensive relative to its fundamentals. Return on equity is the ratio of current-period net income to average two-period total equity. View historical data on Sagicor Financial Co and its competitors. For the Insurance industry, the median ROE % is 11.93 — values significantly above this may indicate overvaluation, while values below may suggest a bargain or underlying issues. Sagicor Financial Co's current ROE % is 34.43%, which is 305% above median its own 10-year median of 8.50. 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?
Sagicor Financial Co (STU:3RQ) has a current ROE % of 34.43%. The current ROE % is 34.43%, which is 305% above median its 10-year median of 8.50 and 188.6% above the Insurance industry median of 11.93. Sagicor Financial Co's overall GF Score™ is 77/100 with 4 warning signs to review. Investors should evaluate multiple metrics — including profitability, growth, and financial strength — before making a decision.
How is ROE % calculated?
ROE % is calculated from a company's financial statements. For Sagicor Financial Co (STU:3RQ), the current ROE % is 34.43% as of Jun. 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.
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.
77GF Score
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