Sagicor Financial Company (SFC) investor relations material

Company overview and market position

• Leading provider of insurance and financial services with operations in 19 countries across North America and the Caribbean.

• Core offerings include life and health insurance, annuities, pensions, property and casualty insurance, and related financial products.

• Holds top market positions: 1st or 2nd in universal life in Canada, 1st in life, health, and pensions in Jamaica, Barbados, and Eastern Caribbean.

• Balance sheet is 75% weighted to Canada and the US, providing stability and growth opportunities.

• Total assets reached US $25.1 billion as of Q4 2025.

Growth strategy and business initiatives

• Focused on expanding ROE through organic growth, margin expansion, and regional integration.

• Accelerating growth in the US annuities platform, targeting US $10 billion in assets over three years.

• Margin expansion in Canada by optimizing the investment portfolio and aligning with modern portfolio theory.

• Creating a unified Caribbean entity to drive digital transformation and operational efficiency.

• Each growth lever expected to add 1–2% to core ROE over the next 3–5 years.

Financial performance and shareholder returns

• Total assets grew by over 185% since 2019 TSX listing; comparable earnings up over 225%.

• Over $275 million returned to shareholders via dividends and share repurchases since listing.

• Quarterly dividend increased by 11% in March 2026, with a forward yield of 4.6%.

• Share price return of +88% and total shareholder return of +107% since ivari acquisition.

• Attractive valuation: trades at 0.9x book and 6.5x 2026E P/E, well below Canadian peers.