Sagicor Financial Company (SFC) investor relations material

Executive summary

• Q3 core earnings attributable to shareholders were $38.6 million, up 10% YoY and a 2026 high; reported net loss attributable to shareholders was $22.6 million, mainly from adverse market movements.

• Annualized core ROE was 15.1%; new-business CSM rose 4% YoY to $42.4 million.

Financial highlights

• Q3 net premiums were $584.1 million, down 10% YoY; nine-month net premiums were $1.82 billion, down 8%.

• Nine-month core earnings were $97.7 million versus $110.7 million; reported net income was $29.6 million versus $81.3 million.

• Nine-month insurance revenue increased to $1.17 billion from $1.10 billion, while net investment income declined to $818.9 million from $1.15 billion.

• Q3 core basic EPS was 28.4¢, up 10% YoY; nine-month core basic EPS was 71.9¢, down 12%.

Outlook and guidance

• Core ROE targets are 14% for quarters after the anticipated 2027 Caribbean transaction closing and 15% medium-term; earlier guidance also cited 15% for 2028.

• Caribbean transaction closing is expected in H1 2027, subject to court sanction, final regulatory approvals and customary closing conditions.

• U.S. annuity production is at a ~$1 billion run rate, with potential to reach $1.5 billion over three years, subject to planning and scale-versus-margin considerations.