Stock SJ SAGICOR GROUP JAMAICA LIMITED
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Financials Sagicor Group Jamaica Limited

Equities

SJ

JME201300139

Life & Health Insurance

End-of-day quote JAMAICA STOCK EXCHANGE
Other stock markets
 06:00:00 2024-04-25 pm EDT 		5-day change 1st Jan Change
40.01 JMD -3.36% Intraday chart for Sagicor Group Jamaica Limited -2.75% -19.17%
Mar. 27 Sagicor Group Jamaica Limited Declarers 1st Interim Dividend, Payable on May 8, 2024 CI
Mar. 01 Sagicor Group Jamaica Limited Reports Earnings Results for the Full Year Ended December 31, 2023 CI

Valuation

Fiscal Period: December 2018 2019 2020 2021 2022 2023
Capitalization 1 151,489 304,005 195,037 226,335 230,052 193,009
Enterprise Value (EV) 1 222,714 382,316 269,375 286,780 315,203 265,747
P/E ratio 10.7 x 19.5 x 14.2 x 13 x 14.1 x 13.5 x
Yield 3.08% 1.85% 1.7% 3.75% 2.14% 2.96%
Capitalization / Revenue 1.99 x 3.12 x 2.28 x 2.13 x 2.22 x 2.04 x
EV / Revenue 2.92 x 3.92 x 3.15 x 2.7 x 3.04 x 2.81 x
EV / EBITDA 9.82 x 14.1 x 11.6 x 9.61 x 10.8 x 9.36 x
EV / FCF 6.8 x 17.7 x 13.9 x 8.61 x 8.19 x -598 x
FCF Yield 14.7% 5.66% 7.19% 11.6% 12.2% -0.17%
Price to Book 2.04 x 3.33 x 1.83 x 1.97 x 2.03 x 1.94 x
Nbr of stocks (in thousands) 3,884,326 3,897,503 3,900,732 3,902,322 3,899,180 3,899,180
Reference price 2 39.00 78.00 50.00 58.00 59.00 49.50
Announcement Date 4/11/19 3/20/20 6/21/21 5/2/22 3/1/23 3/1/24
1JMD in Million2JMD
Estimates

Income Statement Evolution (Annual data)

Fiscal Period: December 2018 2019 2020 2021 2022 2023
Net sales 1 76,232 97,490 85,512 106,214 103,734 94,449
EBITDA 1 22,678 27,067 23,293 29,836 29,079 28,401
EBIT 1 21,718 25,466 21,520 28,096 27,488 27,386
Operating Margin 28.49% 26.12% 25.17% 26.45% 26.5% 29%
Earnings before Tax (EBT) 1 18,048 20,718 10,178 24,093 21,931 19,062
Net income 1 14,232 15,650 13,780 17,395 16,379 14,368
Net margin 18.67% 16.05% 16.11% 16.38% 15.79% 15.21%
EPS 2 3.650 4.010 3.530 4.460 4.190 3.670
Free Cash Flow 1 32,747 21,635 19,374 33,319 38,481 -444.2
FCF margin 42.96% 22.19% 22.66% 31.37% 37.1% -0.47%
FCF Conversion (EBITDA) 144.4% 79.93% 83.18% 111.67% 132.33% -
FCF Conversion (Net income) 230.09% 138.24% 140.59% 191.54% 234.95% -
Dividend per Share 2 1.200 1.440 0.8500 2.172 1.260 1.465
Announcement Date 4/11/19 3/20/20 6/21/21 5/2/22 3/1/23 3/1/24
1JMD in Million2JMD
Estimates

Balance Sheet Analysis

Fiscal Period: December 2018 2019 2020 2021 2022 2023
Net Debt 1 71,225 78,310 74,339 60,445 85,152 72,738
Net Cash position 1 - - - - - -
Leverage (Debt/EBITDA) 3.141 x 2.893 x 3.191 x 2.026 x 2.928 x 2.561 x
Free Cash Flow 1 32,747 21,635 19,374 33,319 38,481 -444
ROE (net income / shareholders' equity) 16.3% 13.9% 3.62% 13.5% 13.2% 14%
ROA (Net income/ Total Assets) 3.64% 3.73% 2.83% 3.45% 3.28% 3.12%
Assets 1 391,171 419,939 487,035 504,566 499,166 459,983
Book Value Per Share 2 19.10 23.40 27.30 29.40 29.10 25.50
Cash Flow per Share 2 3.610 3.690 6.670 10.40 6.490 10.40
Capex 1 588 172 1,042 509 928 592
Capex / Sales 0.77% 0.18% 1.22% 0.48% 0.89% 0.63%
Announcement Date 4/11/19 3/20/20 6/21/21 5/2/22 3/1/23 3/1/24
1JMD in Million2JMD
Estimates

EPS & Dividend

Year-on-year evolution of the PER

Change in Enterprise Value/EBITDA

Sector Other Life & Health Insurance

1st Jan change Capi.
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