Sagicor Financial Company Ltd.

Sagicor Financial Company Ltd.

Financial Services

TSX:SFC.TO · Toronto Stock Exchange

Market Cap $1.12B Beta -0.02 P/E (TTM) 30.4
$8.49 -0.12%

-$0.01 today

52W Low $7.21High $10.53

Vol 0.08M · Avg 0.09M

EPS (TTM) $0.19 Div Yield 4.78%Insurance - Life

Income Statement

Follow revenue through to earnings

Review sales, margins, expenses, and profit trends to see what is actually driving reported earnings over time.

Sagicor Financial Company Ltd.

Stock Ticker Earnings Waterfall

TSX:SFC.TO · Revenue to Net Income

Key Ratios

EPS$0.17
Gross Margin93.6%
Net Margin-0.1%
P/E Ratio-13.2
P/S Ratio1.7

Analysis

$2.3B of revenue converted into $26.1M of net income for the selected period. Gross margin is 93.6% and net margin is -0.1%, showing how much revenue survives after costs and taxes. EPS is $0.17, tying the income statement back to per-share earnings.

Income Statement

Annual data · 5 periods

MetricFY2025FY2024FY2023FY2022FY2021FY2020FY2019FY2018
Revenue
$3.1B
+104.4%
$1.5B
-15.9%
$1.8B
+2107.9%
$80.7M
-96.6%
$2.4B
$809.6M$921.6M$731.2M
Cost of Revenue
$1.5B
+104.7%
$756.4M
+3098.4%
$23.6M
+112.0%
-$196.8M
-113.2%
$1.5B
$725.6M$804.0M$882.4M
Gross Profit
$3.1B
+312.7%
$742.6M
-57.8%
$1.8B
+533.6%
$277.5M
-68.1%
$868.6M
$8.9B$7.6B$6.2B
Gross Margin
100.0%
+50.5pp
49.5%
-49.1pp
98.7%
-245.2pp
343.9%
+307.0pp
36.9%
9.8%28.9%38.3%
Research & Development
$0
$0
$0
$0
$0
$983.2M$1.3B$490.4M
Selling, General & Admin
$331.8M
+11.2%
$298.4M
+3.0%
$289.7M
+10.1%
$263.2M
-24.8%
$349.8M
$620.6M$923.0M-$1.5B
Operating Expenses
$2.9B
+920.6%
$281.9M
-84.1%
$1.8B
+1994.1%
$84.8M
-96.4%
$2.4B
$5.3B$7.0B$8.7B
Depreciation & Amortization
$29.1M
-1.7%
$29.6M
-46.1%
$54.9M
+77.5%
$30.9M
-5.4%
$32.7M
$374.2M$1.2B$631.8M
EBITDA
$427.7M
+18.3%
$361.6M
-56.6%
$834.0M
+4234.9%
-$20.2M
-105.3%
$383.4M
-$15.2B$6.8B$9.3B
EBITDA Margin
14.0%
-10.2pp
24.1%
-22.7pp
46.8%
+71.8pp
-25.0%
-41.3pp
16.3%
5.6%46.3%42.0%
Operating Income
$187.2M
-1.5%
$190.1M
-87.6%
$1.5B
+1461.5%
-$112.4M
-233.1%
$84.5M
$12.3B$14.0B-$15.7B
Operating Margin
6.1%
-6.6pp
12.7%
-73.2pp
85.9%
+225.2pp
-139.3%
-142.9pp
3.6%
16.6%24.1%22.0%
Interest Income
$0
+100.0%
-$90.7M
-75668.3%
$120.0K
+124.8%
-$484.0K
$0
-$1.5B-$1.6B$405.0M
Interest Expense
$211.5M
+49.0%
$141.9M
+34.3%
$105.6M
+72.4%
$61.3M
-28.7%
$86.0M
$1.1B$1.0B$1.2B
Other Income / Expenses
$0
+100.0%
-$1.6B
-82.7%
-$856.9M
-662.4%
-$112.4M
-162.3%
$180.3M
-$1.5B$1.4B$1.2B
Income Before Tax
$187.2M
-1.5%
$190.1M
-71.8%
$673.4M
+699.1%
-$112.4M
-142.5%
$264.7M
$3.3B$4.9B$3.6B
Pre-Tax Margin
6.1%
-6.6pp
12.7%
-25.1pp
37.8%
+177.1pp
-139.3%
-150.5pp
11.2%
20.8%18.7%26.2%
Income Tax Expense
$65.0M
+5.3%
$61.8M
-30.7%
$89.2M
+330.1%
$20.7M
-69.6%
$68.3M
$1.3B-$1.6B$745.2M
Net Income
$68.1M
-30.1%
$97.5M
-81.7%
$532.1M
+423.7%
-$164.4M
-224.0%
$132.6M
$4.9B$4.8B$4.7B
Net Margin
2.2%
-4.3pp
6.5%
-23.4pp
29.9%
+233.6pp
-203.7%
-209.3pp
5.6%
12.4%17.5%22.5%
EPS (Basic)
$1
-28.6%
$1
-81.3%
$4
+425.2%
-$1
-225.0%
$1
$400.8M$703.2M$1.3B
EPS (Diluted)
$0
-27.9%
$1
-81.5%
$4
+419.1%
-$1
-226.4%
$1
$766.2M$609.4M$452.6M
Weighted Avg Shares
$135.7M
-3.1%
$140.1M
-3.4%
$145.0M
+1.4%
$142.9M
-2.7%
$146.8M
$757.8M$925.8M$1.1B
Weighted Avg Shares (Diluted)
$139.9M
-2.6%
$143.6M
-0.9%
$145.0M
+0.1%
$144.8M
-1.3%
$146.8M
$1.2B$924.4M$678.0M

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How much revenue does SFC.TO generate?

Sagicor Financial Company Ltd. (SFC.TO) reported $3.06B of revenue in fiscal 2025.

Is SFC.TO profitable?

Sagicor Financial Company Ltd. (SFC.TO) reported $68.11M of net income, with a net margin of 2.2%.

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