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Sagicor Financial Company (SFC) investor relations material
Sagicor Financial Company 2025 Scotiabank Financials Summit summary
Complete event summary combining all related documents: earnings call transcript, report, and slide presentation.2025 Scotiabank Financials Summit summary4 Sep, 2025
Business overview and strategy
Operates as a life insurance holding company with a $24B balance sheet, focusing on Canada, the U.S., and the Caribbean.
U.S. annuity business is the primary growth engine, benefiting from demographic trends and high demand for retirement products.
Canadian and Caribbean segments provide stable profitability, with growth driven by margin expansion and operational improvements.
Strategy centers on improving ROE through operational initiatives and capital allocation, reinvesting mature market profits into U.S. growth.
Plans to review and potentially raise the 13%+ ROE target in the next annual cycle, aiming for sustained long-term improvement.
Market dynamics and competitive positioning
U.S. annuity market offers generational growth due to retiring baby boomers seeking guaranteed income products.
Differentiates in the U.S. by focusing on service to independent marketing organizations, enabling strong distribution relationships.
Caribbean business holds dominant market share, serving as a reliable source of capital for reinvestment.
Canadian business targets the middle market, leveraging a niche abandoned by larger competitors.
Regulatory environments across 20 jurisdictions are closely monitored, with increased oversight seen as both a challenge and a competitive moat.
Financial performance and capital management
Recent quarters have exceeded the 13% ROE target, with plans to reassess targets for 2026 and beyond.
$300–$400M in deployable capital available for high-return growth initiatives, with a high threshold for M&A.
Ongoing share buybacks reflect a view that shares are undervalued, with a focus on maximizing shareholder value.
IFRS 17 accounting changes have increased volatility between core and reported earnings, but core net income remains the preferred metric.
Conservative capitalization now, with a focus on either deploying excess capital or returning it to shareholders.
Detail US annuity distribution strategy
Outline non-US ROE improvement initiatives
What M&A return threshold is required?
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Next Sagicor Financial Company earnings date
Q3 202517 Nov, 2025
Next Sagicor Financial Company earnings date
Q3 202517 Nov, 2025
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Frequently asked questions
Sagicor Financial Company Ltd., with a heritage dating back to 1840, is a premier provider of financial services in the Caribbean, with expanding operations in Canada and the United States. The company's comprehensive suite of products and services includes life, health, and general insurance, alongside banking, pensions, annuities, investment management, and real estate offerings. Sagicor operates across various segments, including Sagicor Life USA, Sagicor Jamaica, and Sagicor Life, serving customers in Canada, the United States, Jamaica, Trinidad & Tobago, Barbados, and other Caribbean nations. The company is headquartered in St Michael, Barbados, and its shares are listed on the Toronto Stock Exchange.
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