Sagicor Group Jamaica (XJAM:SJ) Scaled Net Operating Assets: -0.14 (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 Scaled Net Operating Assets?

Sagicor Group Jamaica XJAM:SJ -1.09% 61 Scaled Net Operating Assets is -0.14 as of Dec. 2025. GuruFocus rates XJAM:SJ with a GF Score™ of 61/100 and a GF Value™ of JMD48.52 (Modestly Undervalued).

Scaled Net Operating Assets (SNOA) is calculated as the difference between operating assets and operating liabilities, scaled by lagged total assets.

Sagicor Group Jamaica's operating assets for the quarter that ended in Dec. 2025 was JMD465,446 Mil. Sagicor Group Jamaica's operating liabilities for the quarter that ended in Dec. 2025 was JMD561,125 Mil. Sagicor Group Jamaica's Total Assets for the quarter that ended in Sep. 2025 was JMD675,195 Mil. Therefore, Sagicor Group Jamaica's scaled net operating assets (SNOA) for the quarter that ended in Dec. 2025 was -0.14.

XJAM:SJ
61GF Score
Sagicor Group Jamaica Ltd XJAM:SJ
Scaled Net Operating Assets is just one metric. See GF Score™, valuation, warning signs, and more.
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Sagicor Group Jamaica Scaled Net Operating Assets Calculation

Scaled Net Operating Assets (SNOA) is calculated as the difference between operating assets and operating liabilities, scaled by lagged total assets.

Sagicor Group Jamaica's Scaled Net Operating Assets (SNOA) for the fiscal year that ended in Dec. 2025 is calculated as

Scaled Net Operating Assets (SNOA)(A: Dec. 2025 )
=(Operating Assets (A: Dec. 2025 )-Operating Liabilities (A: Dec. 2025 ))/Total Assets (A: Dec. 2024 )
=(642495.519-561125.275)/597794.69
=0.14

where

Operating Assets(A: Dec. 2025 )
=Total Assets - Balance Sheet Cash And Cash Equivalents
=703596.778 - 61101.259
=642495.519

Operating Liabilities(A: Dec. 2025 )
=Total Liabilities - Long-Term Debt & Capital Lease Obligation - Short-Term Debt & Capital Lease Obligation
=586293.865 - 24330.057 - 838.533
=561125.275

Sagicor Group Jamaica's Scaled Net Operating Assets (SNOA) for the quarter that ended in Dec. 2025 is calculated as

Scaled Net Operating Assets (SNOA)(Q: Dec. 2025 )
=(Operating Assets (Q: Dec. 2025 )-Operating Liabilities (Q: Dec. 2025 ))/Total Assets (Q: Sep. 2025 )
=(465446.012-561125.275)/675195.429
=-0.14

where

Operating Assets(Q: Dec. 2025 )
=Total Assets - Balance Sheet Cash And Cash Equivalents
=703596.778 - 238150.766
=465446.012

Operating Liabilities(Q: Dec. 2025 )
=Total Liabilities - Long-Term Debt & Capital Lease Obligation - Short-Term Debt & Capital Lease Obligation
=586293.865 - 24330.057 - 838.533
=561125.275

* 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 Scaled Net Operating Assets of -0.14 mean?
Sagicor Group Jamaica (XJAM:SJ) has a Scaled Net Operating Assets of -0.14 as of Dec. 2025. Scaled net operating assets equals current-period operating assets less operating liabilities less prior-period total assets. View historical data on Sagicor Group Jamaica and its competitors.
Is Sagicor Group Jamaica's Scaled Net Operating Assets too high?
Sagicor Group Jamaica's current Scaled Net Operating Assets is -0.14. 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 Scaled Net Operating Assets compare to AFL and MET?
Sagicor Group Jamaica's Scaled Net Operating Assets of -0.14 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 Scaled Net Operating Assets for an Insurance company?
A good Scaled Net Operating Assets depends on the Insurance industry context. However, Scaled Net Operating Assets 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 Scaled Net Operating Assets mean?
A high Scaled Net Operating Assets can signal that a stock is expensive relative to its fundamentals. Scaled net operating assets equals current-period operating assets less operating liabilities less prior-period total assets. View historical data on Sagicor Group Jamaica and its competitors. Sagicor Group Jamaica's current Scaled Net Operating Assets is -0.14. 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 Scaled Net Operating Assets is -0.14. 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 Scaled Net Operating Assets calculated?
Scaled Net Operating Assets is calculated from a company's financial statements. For Sagicor Group Jamaica (XJAM:SJ), the current Scaled Net Operating Assets is -0.14 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:

  • Scaled Net Operating Assets: -0.14
  • 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

Scaled Net Operating Assets is just one metric. See GF Value™, 30-year financials, guru trades, warning signs, and more.

JMD39.06
Price
JMD48.52
GF Value