How does SGJ's PE Ratio compare to its peers?

SGJ is good value based on its Price-To-Earnings Ratio (7.9x) compared to the peer average (8.2x).

How does SGJ's PE Ratio compare vs other companies in the South American Banks Industry?

SGJ is good value based on its Price-To-Earnings Ratio (7.9x) compared to the South American Banks industry average (8.8x).

What is SGJ's PE Ratio compared to its Fair PE Ratio? This is the expected PE Ratio taking into account the company's forecast earnings growth, profit margins and other risk factors.

Insufficient data to calculate SGJ's Price-To-Earnings Fair Ratio for valuation analysis.

What is the Fair Price of SGJ when looking at its future cash flows? For this estimate we use a Discounted Cash Flow model.

SGJ (JMD47.1) is trading above our estimate of [[fair value]] (JMD7.9)

What is the analyst 12-month forecast and do we have any statistical confidence in the consensus price target?

Insufficient data to show price forecast.

Scotia Group Jamaica (JMSE:SGJ) - Stock Price, News & Analysis

SGJ Stock Overview

Provides various banking and financial products and services in Jamaica. More details

SGJ fundamental analysis
Snowflake Score
Valuation	2/6
Future Growth	0/6
Past Performance	5/6
Financial Health	6/6
Dividends	2/6

Rewards

Price-To-Earnings ratio (7.9x) is below the JM market (16.8x)

Earnings grew by 20.1% over the past year

Risk Analysis

Unstable dividend track record

Scotia Group Jamaica Limited Competitors

NCB Financial Group

JMSE:NCBFG

JA$121.7b

First National Bank of Botswana

BSM:FNBB-EQO

P12.7b

KCB Group

NASE:KCB

KSh125.8b

Kuwait International Bank K.S.C.P

KWSE:KIB

د.ك299.7m

Price History & Performance

Summary of all time highs, changes and price drops for Scotia Group Jamaica
Historical stock prices
Current Share Price	JA$47.10
52 Week High	JA$48.99
52 Week Low	JA$32.26
Beta	-0.075
11 Month Change	7.05%
3 Month Change	7.02%
1 Year Change	38.82%
33 Year Change	36.52%
5 Year Change	-14.36%
Change since IPO	113.12%

Recent updates

Shareholder Returns

	SGJ	JM Banks	JM Market
7D	-3.9%	1.0%	1.3%
1Y	38.8%	9.1%	5.7%

Return vs Industry: SGJ exceeded the JM Banks industry which returned 9.1% over the past year.

Return vs Market: SGJ exceeded the JM Market which returned 5.7% over the past year.

Price Volatility

Is SGJ's price volatile compared to industry and market?
SGJ volatility
SGJ Average Weekly Movement	4.4%
Banks Industry Average Movement	3.4%
Market Average Movement	8.0%
10% most volatile stocks in JM Market	16.4%
10% least volatile stocks in JM Market	4.4%

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

Volatility Over Time: SGJ's weekly volatility (4%) has been stable over the past year.

About the Company

Founded	Employees	CEO	Website
1889	n/a	Audrey Tugwell Henry	jm.scotiabank.com

Scotia Group Jamaica Limited provides various banking and financial products and services in Jamaica. It operates through Retail Banking, Corporate and Commercial Banking, Treasury, Investment Management Services, Insurance Services, and Others segments. The Retail Banking segment offers personal banking services, personal deposit accounts, credit and debit cards, consumer loans, and mortgages.

Scotia Group Jamaica Limited Fundamentals Summary

How do Scotia Group Jamaica's earnings and revenue compare to its market cap?
SGJ fundamental statistics
Market cap	JA$146.56b
Earnings (TTM)	JA$18.66b
Revenue (TTM)	JA$56.97b

7.9x

P/E Ratio

1.1x

P/B Ratio

Is SGJ overvalued?

See Fair Value and valuation analysis

Earnings & Revenue

Key profitability statistics from the latest earnings report (TTM)
SGJ income statement (TTM)
Revenue	JA$56.97b
Cost of Revenue	JA$0
Gross Profit	JA$56.97b
Other Expenses	JA$38.31b
Earnings	JA$18.66b

Last Reported Earnings

Jul 31, 2024

Next Earnings Date

n/a

Earnings per share (EPS)	6.00
Gross Margin	100.00%
Net Profit Margin	32.76%
Debt/Equity Ratio	0%

How did SGJ perform over the long term?

See historical performance and comparison

Dividends

3.0%

Current Dividend Yield

28%

Payout Ratio

SGJ Stock Overview

Rewards

Risk Analysis

Scotia Group Jamaica Limited Competitors

JMSE:NCBFG

JA$121.7b

BSM:FNBB-EQO

P12.7b

NASE:KCB

KSh125.8b

KWSE:KIB

د.ك299.7m

Price History & Performance

Recent News & Updates

Third quarter dividend of JA$0.45 announced

Third quarter 2024 earnings released: EPS: JA$1.75 (vs JA$1.66 in 3Q 2023)

Scotia Group Jamaica Limited Approves Dividend in Respect of the Third Quarter, Payable on October 18, 2024

Second quarter dividend of JA$0.40 announced

Second quarter 2024 earnings released: EPS: JA$1.74 (vs JA$1.35 in 2Q 2023)

Upcoming dividend of JA$0.40 per share

Recent updates

Third quarter dividend of JA$0.45 announced

Third quarter 2024 earnings released: EPS: JA$1.75 (vs JA$1.66 in 3Q 2023)

Scotia Group Jamaica Limited Approves Dividend in Respect of the Third Quarter, Payable on October 18, 2024

Second quarter dividend of JA$0.40 announced

Second quarter 2024 earnings released: EPS: JA$1.74 (vs JA$1.35 in 2Q 2023)

Upcoming dividend of JA$0.40 per share

First quarter dividend of JA$0.40 announced

First quarter 2024 earnings released: EPS: JA$1.00 (vs JA$1.10 in 1Q 2023)

Scotia Group Jamaica Limited Approves Dividend for the First Quarter, Payable on April 17, 2024

Scotia Group Jamaica Limited, Annual General Meeting, Mar 07, 2024

Scotia Group Jamaica Limited and the Bank of Nova Scotia Jamaica Limited Announces Resignation of Dr. William Warren Smith from the Board of Directors

Full year 2023 earnings released: EPS: JA$5.54 (vs JA$3.75 in FY 2022)

Scotia Group Jamaica Limited Approves A Dividend for the Fourth Quarter, Payable on January 19, 2024

Third quarter 2023 earnings released: EPS: JA$1.66 (vs JA$1.18 in 3Q 2022)

Upcoming dividend of JA$0.35 per share at 2.9% yield

Second quarter 2023 earnings released: EPS: JA$1.35 (vs JA$0.83 in 2Q 2022)

Upcoming dividend of JA$0.25 per share at 2.9% yield

High number of new directors

Full year 2022 earnings released: EPS: JA$3.75 (vs JA$2.70 in FY 2021)

Upcoming dividend of JA$0.35 per share

Third quarter 2022 earnings released: EPS: JA$1.29 (vs JA$0.90 in 3Q 2021)

Upcoming dividend of JA$0.35 per share

Second quarter 2022 earnings released: EPS: JA$0.83 (vs JA$0.88 in 2Q 2021)

Full year 2021 earnings: Revenues and EPS in line with analyst expectations

Full year 2021 earnings: Revenues and EPS in line with analyst expectations

Upcoming dividend of JA$0.35 per share

Second quarter 2021 earnings released: EPS JA$0.88 (vs JA$0.72 in 2Q 2020)

Upcoming Dividend of JA$0.40 Per Share

First quarter 2021 earnings released: EPS JA$0.56 (vs JA$0.57 in 1Q 2020)

New 90-day low: JA$41.00

Full year 2020 earnings released: EPS JA$2.91 (vs JA$4.24 in FY 2019)

Scotia Group Jamaica Limited, Annual General Meeting, Mar 12, 2021

Scotia Group Jamaica Limited Appoints Dave Dixon as Director for Sales and Service

Upcoming Dividend of JA$0.45 Per Share

Scotia Group Jamaica Limited Announces Changes to Its Board

Full year 2020 earnings released: EPS JA$2.91

New 90-day low: JA$41.41

Scotia Group Jamaica Limited Announces Board Changes

New 90-day low: JA$44.00

Scotiabank Announces Management Appointments

Upcoming Dividend of JA$0.10 Per Share

Third quarter earnings released

New 90-day high - JA$49.42

Shareholder Returns

Price Volatility

About the Company

Scotia Group Jamaica Limited Fundamentals Summary

7.9x

1.1x

Earnings & Revenue

Dividends

3.0%

28%