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Earnings

Sagicor Financial Reports Third Quarter 2025 Results

By The Northwire Desk — AI Analysis Nov 13, 2025 · 07:00 SFC · 8.2 SAGICOR FINANCIAL COMPANY LTD.
SFC · Price

Executive Summary

  • Sagicor Financial reported strong Q3 2025 results, with core earnings to shareholders of $35.0 M and net income of $81.0 M, both up significantly year‑over‑year.
  • Core basic EPS rose 51% YoY to 25.8¢, while the dividend was increased to US 6.75¢ per share (annualized 27.0¢).
  • All four operating segments posted earnings growth, led by Sagicor Canada (+37% core earnings) and Sagicor Jamaica (+90% core earnings).

Key Details

  • Core Earnings (to shareholders): $35.0 M (↑45% YoY)
  • Net Income (to shareholders): $81.0 M (↑37% YoY)
  • Core Basic EPS: 25.8¢ (↑51% YoY)
  • Core ROE (annualised): 13.7% (up 3.3 pts YoY)
  • Shareholders’ Equity: $1,049.2 M; Book value per share US$7.74 (C$10.78)
  • Group LICAT Ratio: 141% (unchanged QoQ)
  • Financial Leverage Ratio: 26.6% (down 0.5 pts QoQ)

Segment Highlights

Segment Core Earnings Q3 2025 YoY Δ Net Income Q3 2025 YoY Δ
Sagicor Canada $26.7 M +37% $53.0 M –15%
Sagicor Life USA $10.1 M –30% $21.3 M >100%
Sagicor Jamaica $11.6 M +90% $13.9 M +67%
Sagicor Life $8.7 M +23% $13.0 M –8%
  • Revenues (total): $974.1 M, down 14% YoY; Insurance revenue $366.2 M, down 1% YoY.
  • New Business CSM: $40.6 M (↓9% YoY); segment‑level: Canada $10.2 M, Life USA $8.5 M, Jamaica $13.2 M, Life $8.7 M.

Dividend & Share Repurchase

  • Board declared a quarterly dividend of US 6.75¢ per share, payable 16 Dec 2025 (record date 25 Nov 2025).
  • Normal Course Issuer Bid: repurchased 512,500 shares for approx. US$2.9 M; post‑repurchase outstanding shares = 135,506,869.

Subsequent Event

  • Hurricane Melissa (28 Oct 2025) impacted Caribbean operations; potential increase in P&C claims and credit losses noted, but no material financial impact quantified yet.

Conference Call

  • Analyst call scheduled for 14 Nov 2025 at 10:00 a.m. EST (details provided).

Notable Quotes

“We are pleased to report another strong quarter… our significantly higher net income reflects core strength plus a reversal of market‑driven volatility observed in previous quarters.” – Andre Mousseau, President & CEO.

Read the original news release →

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