SGCFF (Sagicor Financial Co) 3-Year RORE % : -96.48% (As of Mar. 2026)


SGCFF Sagicor Financial Co Ltd SGCFF
73 GF Score
Price $6.00
GF Value $6.04
Valuation Fairly Valued
! 6 Warning Signs
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What is Sagicor Financial Co 3-Year RORE %?

Sagicor Financial Co SGCFF 73 3-Year RORE % is -96.48 as of Mar. 2026. GuruFocus rates SGCFF with a GF Score™ of 73/100 and a GF Value™ of $6.04 (Fairly Valued). The stock has 6 warning signs investors should review. Among 475 Insurance companies, Sagicor Financial Co ranks worse than 90.74% on this metric.

Return on Retained Earnings (RORE) is an indicator of a company's growth potential, it shows how much a company earns by reinvesting its retained earnings, i.e. profits after dividend payments. Sagicor Financial Co's 3-Year RORE % for the quarter that ended in Mar. 2026 was -96.48%.

The industry rank for Sagicor Financial Co's 3-Year RORE % or its related term are showing as below:

SGCFF's 3-Year RORE % is ranked worse than
90.74% of 475 companies
in the Insurance industry
Industry Median: 11.7 vs SGCFF: -96.48

Sagicor Financial Co  (OTCPK:SGCFF) 3-Year RORE % Explanation

Return on Retained Earnings (RORE) is important to investors because it reveals a company's efficiency and growth potential. A higher RORE indicates a higher return. A high RORE indicates that the company should reinvest profits into the business. A lower RORE suggests that the company should distribute profits to shareholders by paying out dividends, since those dollars aren't generating much additional growth for the company.

There are a several different ways to arrive at the Return on Retained Earnings. The simplest way to calculate it is by using published information on Earnings per Share (EPS) and Dividend per Share (DPS) over a selected period. Here, 3-year period is chosen.

Be Aware

Please keep in mind that the RORE is relative to the nature of the business and its competitors. If another company in the same sector is producing a lower return on retained earnings, it doesn’t necessarily mean it’s a bad investment. It may just suggest the company is older and no longer in a high growth stage. At such a stage in the business cycle, it would be expected to see a lower RORE and higher dividend payout.


Sagicor Financial Co 3-Year RORE % Related Terms


Sagicor Financial Co 3-Year RORE % Historical Data

* Premium members only.

The historical data trend for Sagicor Financial Co's 3-Year RORE % 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 3-Year RORE % Chart

Sagicor Financial Co Annual Data
Trend Mar17 Mar18 Mar19 Dec20 Dec21 Dec22 Dec23 Dec24 Dec25
3-Year RORE %
Get a 7-Day Free Trial Premium Member Only 12.36 120.26 100.25 72.87 -78.19

Sagicor Financial Co Quarterly Data
Jun21 Sep21 Dec21 Mar22 Jun22 Sep22 Dec22 Mar23 Jun23 Sep23 Dec23 Mar24 Jun24 Sep24 Dec24 Mar25 Jun25 Sep25 Dec25 Mar26
3-Year RORE % 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 35.91 12.33 2.59 -78.19 -96.48

SGCFF vs AFL, MET, PRU: 3-Year RORE % Comparison

For the Insurance - Life subindustry, Sagicor Financial Co's 3-Year RORE %, along with its competitors' market caps and 3-Year RORE % 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 RORE % vs Insurance Industry

For the Insurance industry and Financial Services sector, Sagicor Financial Co's 3-Year RORE % distribution charts can be found below:

* The bar in red indicates where Sagicor Financial Co's 3-Year RORE % falls into.


SGCFF
73GF Score
Sagicor Financial Co Ltd SGCFF
3-Year RORE % is just one metric. See GF Score™, valuation, warning signs, and more.
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Sagicor Financial Co 3-Year RORE % Calculation

Sagicor Financial Co's 3-Year RORE % for the quarter that ended in Mar. 2026 is calculated as:

3-Year RORE %=( Most Recent EPS (Diluted)- First Period EPS (Diluted) )/( Cumulative EPS (Diluted) for 3-year -Cumulative Dividends per Share for 3-year )
=( 0.174-3.842 )/( 4.557-0.755 )
=-3.668/3.802
=-96.48 %

* 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 3-Year RORE %, the most recent and first period EPS (Diluted) is the trailing twelve months (TTM) data ended in Mar. 2026 and 3-year before.

Frequently Asked Questions Learn more about 3-Year RORE % →
What does a 3-Year RORE % of -96.48 mean?
Sagicor Financial Co (SGCFF) has a 3-Year RORE % of -96.48 as of Mar. 2026. 3-Year RORE % shows how much a company earns by reinvesting its retained earnings in 3-year. View historical data on Sagicor Financial Co and its competitors. According to the industry distribution chart, Sagicor Financial Co ranks #431 out of 475 companies in the Insurance industry, placing it in the top 90.7%.
Is Sagicor Financial Co's 3-Year RORE % too high?
Sagicor Financial Co's current 3-Year RORE % is -96.48. Based on the distribution chart, Sagicor Financial Co ranks #431 out of 475 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 3-Year RORE % compare to AFL and MET?
According to the Insurance industry distribution chart, Sagicor Financial Co ranks #431 out of 475 companies for 3-Year RORE %. This places Sagicor Financial Co in the lower half of its industry. The industry median 3-Year RORE % is 11.70. See the competitive comparison table and distribution chart on this page for a detailed peer-by-peer breakdown.
What is a good 3-Year RORE % for an Insurance company?
The median 3-Year RORE % among Insurance companies is 11.70, based on 475 companies in the industry. Companies in the top quartile (top 25%) have a 3-Year RORE % significantly above this median, while those in the bottom quartile fall well below. However, 3-Year RORE % 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 3-Year RORE % mean?
A high 3-Year RORE % can signal that a stock is expensive relative to its fundamentals. 3-Year RORE % shows how much a company earns by reinvesting its retained earnings in 3-year. View historical data on Sagicor Financial Co and its competitors. For the Insurance industry, the median 3-Year RORE % is 11.70 — values significantly above this may indicate overvaluation, while values below may suggest a bargain or underlying issues. Sagicor Financial Co's current 3-Year RORE % is -96.48. 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 $6.04, compared to a current price of $6.00 — trading 0.7% below its estimated fair value. The current 3-Year RORE % is -96.48. 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 RORE % calculated?
3-Year RORE % is calculated from a company's financial statements. For Sagicor Financial Co (SGCFF), the current 3-Year RORE % is -96.48 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 undervalued. The current stock price of $6.00 is trading 0.7% below its estimated GF Value™ of $6.04. GuruFocus considers Sagicor Financial Co to be Fairly Valued.

Key valuation signals for SGCFF:

  • 3-Year RORE %: -96.48
  • GF Value™: $6.04 vs. price of $6.00 (0.7% below fair value)
  • GF Score™: 73/100 with 6 warning signs

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 Business Description

Other Exchanges SFC:Canada
Address Wildey, Cecil F De Caires Building, Saint Michael, BRB, BB15096
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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3-Year RORE % is just one metric. See GF Value™, 30-year financials, guru trades, warning signs, and more.

$6.00
Price
$6.04
GF Value