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Sagicor Financial BST:3RQ Stock Report

Last Price

€4.40

Market Cap

€610.6m

7D

0.5%

1Y

3.3%

Updated

31 Jan, 2025

Data

Company Financials +

Sagicor Financial Company Ltd.

BST:3RQ Stock Report

Market Cap: €610.6m

3RQ Stock Overview

Provides insurance products and related financial services in Jamaica, Barbados, Trinidad, Tobago, other Caribbean region, and the United States. More details

3RQ fundamental analysis
Snowflake Score
Valuation6/6
Future Growth0/6
Past Performance4/6
Financial Health2/6
Dividends3/6

Rewards

Trading at 40.6% below our estimate of its fair value

Earnings grew by 347.2% over the past year

Trading at good value compared to peers and industry

Analysts in good agreement that stock price will rise by 37.3%

Risk Analysis

Earnings are forecast to decline by an average of 65.9% per year for the next 3 years

Large one-off items impacting financial results

Dividend of 5.13% is not well covered by free cash flows


My Notes

Capture your thoughts, links and company narrative

Sagicor Financial Company Ltd. Competitors

Wüstenrot & Württembergische

XTRA:WUW

€1.2b

NÜRNBERGER Beteiligungs-AG

XTRA:NBG6

€557.6m

RheinLand Holding

DUSE:RLV

€113.7m

DFV Deutsche Familienversicherung

HMSE:DFV

€85.3m

Price History & Performance

Summary of share price highs, lows and changes for Sagicor Financial
Historical stock prices
Current Share PriceCA$4.40
52 Week HighCA$4.90
52 Week LowCA$3.50
Beta0.23
1 Month Change10.00%
3 Month Change9.45%
1 Year Change3.29%
3 Year Change2.33%
5 Year Change-27.27%
Change since IPO-26.67%

Recent News & Updates

Recent updates

Shareholder Returns

3RQDE InsuranceDE Market
7D0.5%0.8%1.9%
1Y3.3%26.9%15.1%

Return vs Industry: 3RQ underperformed the German Insurance industry which returned 27.9% over the past year.

Return vs Market: 3RQ underperformed the German Market which returned 15.2% over the past year.

Price Volatility

Is 3RQ's price volatile compared to industry and market?
3RQ volatility
3RQ Average Weekly Movement3.2%
Insurance Industry Average Movement3.1%
Market Average Movement4.8%
10% most volatile stocks in DE Market11.2%
10% least volatile stocks in DE Market2.4%

Stable Share Price: 3RQ has not had significant price volatility in the past 3 months compared to the German market.

Volatility Over Time: 3RQ's weekly volatility (3%) has been stable over the past year.

About the Company

FoundedEmployeesCEOWebsite
18405,180Andre Mousseauwww.sagicor.com

Sagicor Financial Company Ltd., together with its subsidiaries, provides insurance products and related financial services in Jamaica, Barbados, Trinidad, Tobago, other Caribbean region, and the United States. It operates through three segments: Sagicor Jamaica, Sagicor Life, and Sagicor Life USA. The company offers life and health insurance products; employee benefits, including group health and group life benefits; and annuities, asset management, and property and casualty insurance.

Sagicor Financial Company Ltd. Fundamentals Summary

How do Sagicor Financial's earnings and revenue compare to its market cap?
3RQ fundamental statistics
Market cap€610.61m
Earnings (TTM)€511.67m
Revenue (TTM)€2.07b

1.2x

P/E Ratio

0.3x

P/S Ratio

Is 3RQ overvalued?

See Fair Value and valuation analysis

Earnings & Revenue

Key profitability statistics from the latest earnings report (TTM)
3RQ income statement (TTM)
RevenueUS$2.14b
Cost of RevenueUS$1.30b
Gross ProfitUS$846.71m
Other ExpensesUS$316.31m
EarningsUS$530.40m

Last Reported Earnings

Sep 30, 2024

Next Earnings Date

n/a

Earnings per share (EPS)3.94
Gross Margin39.48%
Net Profit Margin24.73%
Debt/Equity Ratio202.9%

How did 3RQ perform over the long term?

See historical performance and comparison

Dividends

5.1%

Current Dividend Yield

6%

Payout Ratio

Company Analysis and Financial Data Status

DataLast Updated (UTC time)
Company Analysis2025/01/31 07:00
End of Day Share Price 2025/01/31 00:00
Earnings2024/09/30
Annual Earnings2023/12/31

Data Sources

The data used in our company analysis is from S&P Global Market Intelligence LLC. The following data is used in our analysis model to generate this report. Data is normalised which can introduce a delay from the source being available.

PackageDataTimeframeExample US Source *
Company Financials10 years
  • Income statement
  • Cash flow statement
  • Balance sheet
Analyst Consensus Estimates+3 years
  • Forecast financials
  • Analyst price targets
Market Prices30 years
  • Stock prices
  • Dividends, Splits and Actions
Ownership10 years
  • Top shareholders
  • Insider trading
Management10 years
  • Leadership team
  • Board of directors
Key Developments10 years
  • Company announcements

* example for US securities, for non-US equivalent regulatory forms and sources are used.

Unless specified all financial data is based on a yearly period but updated quarterly. This is known as Trailing Twelve Month (TTM) or Last Twelve Month (LTM) Data. Learn more here.

Analysis Model and Snowflake

Details of the analysis model used to generate this report is available on our Github page, we also have guides on how to use our reports and tutorials on Youtube.

Learn about the world class team who designed and built the Simply Wall St analysis model.

Industry and Sector Metrics

Our industry and section metrics are calculated every 6 hours by Simply Wall St, details of our process are available on .

Analyst Sources

Sagicor Financial Company Ltd. is covered by 4 analysts. 3 of those analysts submitted the estimates of revenue or earnings used as inputs to our report. Analysts submissions are updated throughout the day.

AnalystInstitution
Gabriel DechaineNational Bank Financial
Nicholas JohnsonNumis Securities Ltd.
Darko MihelicRBC Capital Markets