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
 03:30:00 26/06/2024 am IST 		5-day change 1st Jan Change
41 JMD +1.23% Intraday chart for Sagicor Group Jamaica Limited +2.50% -17.17%
27/03 Sagicor Group Jamaica Limited Declarers 1st Interim Dividend, Payable on May 8, 2024 CI
01/03 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 1,51,489 3,04,005 1,95,037 2,26,335 2,30,052 1,93,009
Enterprise Value (EV) 1 2,22,714 3,82,316 2,69,375 2,86,780 3,15,203 2,65,747
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) 38,84,326 38,97,503 39,00,732 39,02,322 38,99,180 38,99,180
Reference price 2 39.00 78.00 50.00 58.00 59.00 49.50
Announcement Date 11/04/19 20/03/20 21/06/21 02/05/22 01/03/23 01/03/24
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 1,06,214 1,03,734 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 11/04/19 20/03/20 21/06/21 02/05/22 01/03/23 01/03/24
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 3,91,171 4,19,939 4,87,035 5,04,566 4,99,166 4,59,983
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 11/04/19 20/03/20 21/06/21 02/05/22 01/03/23 01/03/24
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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