Sagicor Financial CoSGCFF 73 3-Year ROIIC % is 1.81 as of Dec. 2025, which is 65% above its 10-year median of 1.10. GuruFocus rates SGCFF with a GF Score™ of 73/100 and a GF Value™ of $6.00 (Fairly Valued). The stock has 6 warning signs investors should review. Among 335 Insurance companies, Sagicor Financial Co ranks worse than 66.57% on this metric.
3-Year Return on Invested Incremental Capital (3-Year ROIIC %) measures the change in earnings as a percentage of change in investment over 3-year.
Sagicor Financial Co's 3-Year ROIIC % for the quarter that ended in Dec. 2025 was 1.81%. High ROIIC is generally an indication that your business is capital efficient or has a higher operating leverage.
The industry rank for Sagicor Financial Co's 3-Year ROIIC % or its related term are showing as below:
SGCFF's 3-Year ROIIC % is ranked worse than 66.57% of 335
companies
in the Insurance industry
Industry Median: 5.2
vs SGCFF: 1.81
Sagicor Financial Co (OTCPK:SGCFF) 3-Year ROIIC % Explanation
Return on Incremental Invested Capital (ROIIC) is an extension of Return on Investment Capital (ROIC). ROIC % tells investors how efficiently that profitability is earned per dollar of company capital. ROIIC narrows the focus even further and shows how profitable each additional unit of capital investment could be. ROIIC % is a more powerful metric than ROIC because it measures how much money the company can generate going forward on future capital investments.
High ROIIC is generally an indication that your business is capital efficient or has a higher operating leverage.
Be Aware
It's important to keep in mind that when tracking ROIIC, the metric is better suited to forecasting the trend of future returns rather than measuring current return on investment.
Sagicor Financial Co 3-Year ROIIC % Related Terms
Sagicor Financial Co 3-Year ROIIC % Historical Data
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The historical data trend for Sagicor Financial Co's 3-Year ROIIC % 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.
For the Insurance - Life subindustry, Sagicor Financial Co's 3-Year ROIIC %, along with its competitors' market caps and 3-Year ROIIC % 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 3-Year ROIIC % vs Insurance Industry
For the Insurance industry and Financial Services sector, Sagicor Financial Co's 3-Year ROIIC % distribution charts can be found below:
* The bar in red indicates where Sagicor Financial Co's 3-Year ROIIC % 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.
** Annual data of NOPAT and Invested Capital was used to calculate 3-Year ROIIC %.
*** Please be aware that the ROIIC (Return on Invested Capital) calculations are based on company-level data using the primary share class. The calculated data provided is for demonstration purposes and may slightly differ from the results displayed in the title due to potential variations caused by currency exchange rate differences throughout the year.
Sagicor Financial Co (SGCFF) has a 3-Year ROIIC % of 1.81 as of Dec. 2025. 3-Year ROIIC % measures the change in earnings as a percentage of change in investment over 3-year. View historical data on Sagicor Financial Co and its competitors. This is 65% above median its historical median of 1.10. According to the industry distribution chart, Sagicor Financial Co ranks #223 out of 335 companies in the Insurance industry, placing it in the top 66.6%.
Is Sagicor Financial Co's 3-Year ROIIC % too high?
Sagicor Financial Co's current 3-Year ROIIC % of 1.81 is 65% above median its 10-year median of 1.10. The Insurance industry median 3-Year ROIIC % is 5.20. Sagicor Financial Co's value of 1.81 is 65.2% below this industry median. Based on the distribution chart, Sagicor Financial Co ranks #223 out of 335 companies in the Insurance industry, which is below the industry midpoint. 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 3-Year ROIIC % compare to AFL and MET?
According to the Insurance industry distribution chart, Sagicor Financial Co ranks #223 out of 335 companies for 3-Year ROIIC %. This places Sagicor Financial Co in the lower half of its industry. The industry median 3-Year ROIIC % is 5.20. Sagicor Financial Co's value of 1.81 is 65.2% below this benchmark. While the company's 10-year median is 1.10 vs. the industry median of 5.20, Sagicor Financial Co has consistently been below 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 3-Year ROIIC % for an Insurance company?
The median 3-Year ROIIC % among Insurance companies is 5.20, based on 335 companies in the industry. Companies in the top quartile (top 25%) have a 3-Year ROIIC % significantly above this median, while those in the bottom quartile fall well below. However, 3-Year ROIIC % should not be evaluated in isolation — investors should consider it alongside profitability, growth, and financial strength metrics. Sagicor Financial Co's current 3-Year ROIIC % of 1.81 is 65.2% below 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 3-Year ROIIC % mean?
A high 3-Year ROIIC % can signal that a stock is expensive relative to its fundamentals. 3-Year ROIIC % measures the change in earnings as a percentage of change in investment over 3-year. View historical data on Sagicor Financial Co and its competitors. For the Insurance industry, the median 3-Year ROIIC % is 5.20 — values significantly above this may indicate overvaluation, while values below may suggest a bargain or underlying issues. Sagicor Financial Co's current 3-Year ROIIC % is 1.81, which is 65% above median its own 10-year median of 1.10. 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 $6.00, compared to a current price of $6.00 — trading right at its estimated fair value. The current 3-Year ROIIC % is 1.81, which is 65% above median its 10-year median of 1.10 and 65.2% below the Insurance industry median of 5.20. 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 3-Year ROIIC % calculated?
3-Year ROIIC % is calculated from a company's financial statements. For Sagicor Financial Co (SGCFF), the current 3-Year ROIIC % is 1.81 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 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 0% below its estimated GF Value™ of $6.00.
GuruFocus considers Sagicor Financial Co to be Fairly Valued.
Key valuation signals for SGCFF:
3-Year ROIIC %: 1.81 (65% above median its 10-year median of 1.10)
GF Value™: $6.00 vs. price of $6.00 (0% below fair value)
Industry Position: 65.2% below the Insurance median (#223 of 335)
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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