Toronto and Barbados (March 11, 2026) – Sagicor Financial Company Ltd. (TSX: SFC), a leading financial services provider in Canada, the United States, and the Caribbean, today announced its results for the fourth quarter and full year ended December 31, 2025. All figures are in US$ unless otherwise stated.

Highlights

• Core earnings to shareholders⁽¹⁾ of $142.3 million for 2025 increased 57% Y/Y
• Core basic earnings per share⁽¹⁾ (EPS) of 104.9¢ for 2025 increased 62% Y/Y
• Core return on shareholders’ equity⁽¹⁾ of 14.2% for 2025
• Net income to shareholders of $66.9 million for 2025
• Total comprehensive income to shareholders of $109.7 million for 2025
• New business CSM⁽¹⁾ of $167.2 million for 2025
• Shareholders’ equity of $1.0 billion, with book value per share of US$7.65 or C$10.49
• Shareholders’ equity plus net CSM to shareholders⁽¹⁾ of $2.2 billion, or US$15.95 or C$21.87 per share
• Group LICAT⁽¹⁾ ratio of 136%

• Financial leverage ratio⁽¹⁾ of 26.9%

• Increase of 11% in quarterly dividend to US 7.5¢ per share to be paid during the second quarter of 2026 (US 30.0¢ annualized dividend)

Andre Mousseau, President and Chief Executive Officer, said:

“We are pleased to conclude an exceptional 2025 reporting year with another solid quarter of core earnings to shareholders.⁽¹⁾ Our full year core earnings to shareholders⁽¹⁾ of $142 million reflected achievement of our medium-term targets amplified by approximately $15 million of positive gains from core insurance experience and gains from short-term business.”

“In Q4 we made significant progress on our strategic initiatives, highlighted by the announcement of a definitive agreement to merge our two Caribbean operating segments under a single publicly-listed entity to be named Sagicor Group Caribbean Limited. We believe this combination will allow us to execute a robust digital transformation of these segments. This transformation, combined with continued organic growth of our North American segments, is informing our new guidance of 14% core ROE⁽¹⁾ in 2027 and 15% core ROE⁽¹⁾ in 2028.”

“We are also pleased to reward our shareholders with a dividend increase to US 30.0¢ annualized. This is the third consecutive Q4 report in which we increased our dividend.”

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