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Sagicor Financial Company (SFC) investor relations material
Sagicor Financial Company Q3 2025 earnings summary
Complete event summary combining all related documents: earnings call transcript, report, and slide presentation.Q3 2025 earnings summary14 Nov, 2025
Executive summary
Q3 2025 delivered net income to shareholders of $81.0 million, a significant turnaround from prior losses, with all segments contributing and record book value per share in both USD and CAD.
Core earnings to shareholders reached $35.0 million, up 45% year-over-year, supported by strong core results and improved funding costs.
Canadian business showed outstanding profitability; U.S. business grew assets and maintained strong spreads; Caribbean segments reported strong core profitability.
Effective response to Hurricane Melissa in Jamaica, with minimal expected financial impact and strong business continuity, though ongoing assessment continues.
Quarterly dividend of US 6.75¢ per share declared, with $2.9 million spent on share repurchases in Q3.
Financial highlights
Q3 revenues were $974.1 million, with net premium at $648.8 million and assets under management reaching $24.6 billion.
Book value per share increased to $7.74 (USD) and CAD 10.78, with net CSM to shareholders per share at $8.19.
Core basic EPS was 25.8¢, up 51% year-over-year; net income to shareholders for the year-to-date was $81.3 million, up 80%.
Return on shareholders' equity (annualized) was 31.8% (reported) and 13.7% (core).
Dividend declared per share was $0.0675, with a forward yield of 4.5%.
Outlook and guidance
Core earnings guidance of $120–$130 million for 2025 is more than achievable, with Q4 expected to be slightly lighter due to Jamaica.
Medium-term ROE target of 13%+ already achieved; further upward revision expected in 2026 guidance.
Management expects continued strong performance across segments, but notes uncertainty due to recent hurricane impacts in the Caribbean.
Jamaican business expected to recover strongly in 2026 and beyond, with rebuilding efforts potentially stimulating the economy.
Update on Hurricane Melissa's financial impact
New business CSM decline drivers and outlook
Market experience impact on net income vs. core
Jamaica segment earnings power beyond Q4?
U.S. annuities: CSM vs. investment income shift
What drives future ROE beyond current levels?
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Next Sagicor Financial Company earnings date
Q4 202513 Mar, 2026
Next Sagicor Financial Company earnings date
Q4 202513 Mar, 2026
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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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