SFL Corporation Ltd. (SFL)

NYSE: SFL · Deep Sea Foreign Transportation of Freight · Hamilton, Hm 08, BM · filing with the SEC since 2004

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Grade4.3

◀ Past 6.4● Present 3.9▶ Future 2.9

1 est.

Overview Business Financials Grade Forecast Sentiment Ownership People Filings Patents Chart

The grade of SFL Corporation Ltd.

Nine metrics read from its own filings, by tense

Headline grade

4.3/10

◀ Past6.430% of the headline

● Present3.940% of the headline

▶ Future2.930% of the headline

All three tenses have at least two readings, so the archetype blend applies as printed.

Of the nine metrics, 8 read as filed from the record and 1 is an SI estimate, each with its reasoning, its confidence and what would change it on its card.

◀ Past

What did they actually do?

6.4/1030% of the headline grade · 3 of 3 filed

Surviving crises

as filed

6.1/10

Has it survived what it has been through?

No warning events in its filings since 2017.

weight 33% of this tense · 61st percentile among 44 sector filers · read for itself

From the record

SFL Corporation Ltd.'s filings since 2017 show no warning events in the scan: no bankruptcy or receivership notice, no debt default notice, no exchange listing notice, no restatement warning, no auditor change, no material cyber incident and no late-report notice (its current reports).

A production reading, recomputed from the filings on every data build, read from EDGAR Nov 13, 2026.

Track record

as filed

6.3/10

What has it actually done, year after year?

+6.6% a year over 10 filed years; profitable in 8 of 10.

weight 45% of this tense · 63rd percentile among 42 sector filers · read for its customers

From the record

SFL Corporation Ltd.'s 10 filed years say what it did: revenue went from $413 million in fiscal 2016 to $733 million in fiscal 2025, up 6.6% a year; it rose in 7 of 9 years; the deepest fall was 19% from fiscal 2024 to fiscal 2025; net income was positive in 8 of 10 of those years (its annual reports).

What it rests on

revenue growth over the filed span6.6%bottom 33% of its family
the share of years revenue rosetop 19% of its family
the share of filed years with a profittop 25% of its family
the deepest fall from a revenue peak18.9%top 37% of its family

A production reading, recomputed from the filings on every data build, read from EDGAR Nov 13, 2026.

Shareholder treatment

as filed

6.8/10

How has it treated the people who own it?

Share count shrank 1.1% a year. 42% of cash flow returned. Insiders: 0 sales, 0 purchases.

weight 22% of this tense · 68th percentile among 38 sector filers · read for its shareholders

From the record

Over the 3 fiscal years to 2025-12-31, SFL Corporation Ltd.'s diluted share count shrank about 1.1% a year, and dividends and buybacks returned about 42% of its operating cash flow over 3 years (its filed statements). Its officers and directors filed 0 sales and 0 purchases of their own stock on the open market in the year to 2026-09-30 (their Form 4 filings).

What it rests on

the share count over the yearstop 28% of its family
cash returned against operating cash flowtop 35% of its family

A production reading, recomputed from the filings on every data build, read from EDGAR Nov 13, 2026.

● Present

What are they doing right now?

3.9/1040% of the headline grade · 2 of 3 filed, 1 estimated

Financial health

as filed

1.8/10

Is it financially healthy right now?

ROE -3%: lost 3¢ per shareholder dollar. Leverage 74%: owes 74¢ per asset dollar.

weight 33% of this tense · 18th percentile among 43 sector filers · read for itself

From the record

Return on equity: in the fiscal year ended 2025-12-31, SFL Corporation Ltd. lost about 3 cents for every dollar of shareholders' money. Leverage: it owed about 74 cents per dollar of assets, and net share issuance: its share count grew 2.4% over the year (the filed statements).

What it rests on

what it owes per dollar of assetsbottom 6% of its family
return on equitybottom 15% of its family
the share count against the year beforebottom 33% of its family

A production reading, recomputed from the filings on every data build, read from EDGAR Nov 13, 2026.

Industry position

as filed

4.5/10

How strong is its position in its industry?

bottom 45% of 43 in its family; net margin -3.6%.

weight 45% of this tense · 45th percentile among 43 sector filers · read for its customers

From the record

SFL Corporation Ltd.'s standing among 43 graded names in its industry family: revenue of $733 million in fiscal 2025 ranks in the top 30% by size; a net margin of -3.6% ranks in the bottom 17%; revenue growth of 3% a year over the last 3 filed years ranks in the bottom 46% (its annual reports).

What it rests on

revenue against the family$733Mtop 30% of its family
net margin-3.6%bottom 17% of its family
three-year revenue growth3.0%bottom 46% of its family

A production reading, recomputed from the filings on every data build, read from EDGAR Nov 13, 2026.

Leadership

SI estimate

5.8/10

What are the people in charge doing?

SI estimate 5.8/10, confidence 20 of 100 (family median).

weight 22% of this tense · 50th percentile among 8 sector filers · read for its shareholders

SI estimate Inferred, not read as filed

Why it is an estimate: It files no Form 8-K (a foreign issuer reports on Form 6-K), so officer and director changes cannot be read there; the record of its people begins on 2026-03-18 (a listing, a merger or a first filing under the rules) and its chief executive and most of the people in charge have filed since then, so the record shows a floor of 8 months and cannot see past it; a floor under five years is not read as years in charge, so the desk assumes the typical reading of its industry family, the median of 8 members with one.
What the record cannot read: It files no Form 8-K (a foreign issuer reports on Form 6-K), so officer and director changes cannot be read there; the record of its people begins on 2026-03-18 (a listing, a merger or a first filing under the rules) and its chief executive and most of the people in charge have filed since then, so the record shows a floor of 8 months and cannot see past it; a floor under five years is not read as years in charge.
How it was reasoned: family median, 8 readings behind it.
Confidence: 20 of 100
What would change it: Its next annual report on file with the inputs replaces this estimate with the filed reading.

From the record

SI estimate, not a filed reading: SFL Corporation Ltd.'s leadership is put at 5.8 of 10 with a confidence of 20 of 100, because it files no Form 8-K (a foreign issuer reports on Form 6-K), so officer and director changes cannot be read there; the record of its people begins on 2026-03-18 (a listing, a merger or a first filing under the rules) and its chief executive and most of the people in charge have filed since then, so the record shows a floor of 8 months and cannot see past it; a floor under five years is not read as years in charge, so the desk assumes the typical reading of its industry family, the median of 8 members with one. Its next annual report on file with the inputs replaces this estimate with the filed reading.

▶ Future

What are they set up to do next?

2.9/1030% of the headline grade · 3 of 3 filed

Room to expand

as filed

3.7/10

How much room does it have to grow?

bottom 37% of 42 in its family for room to expand.

weight 22% of this tense · 37th percentile among 42 sector filers · read for itself

From the record

SFL Corporation Ltd.'s room to grow, from the newest filed statements (fiscal 2025): cash of $151 million against debt of $2.0 billion leaves -49.7% of its assets as net cash, bottom 8% of its family; cash from operations less capital spending is 36.4% of revenue (top 35%) (its annual report).

What it rests on

cash less debt against assets-49.7%bottom 8% of its family
cash from operations less capital spending against revenue36.4%top 35% of its family

A production reading, recomputed from the filings on every data build, read from EDGAR Nov 13, 2026.

Growth drivers

as filed

3.9/10

What could actually drive growth from here?

bottom 39% of 41 in its family for growth drivers.

weight 45% of this tense · 39th percentile among 41 sector filers · read for its customers

From the record

SFL Corporation Ltd.'s growth drivers, from the filed years to fiscal 2025: revenue grew 3% a year over the last three filed years against 6.6% over all 10, slowing (top 38% of its family); the newest year grew -19% (bottom 15%) (its annual reports). SFL Corporation Ltd. tags no split of its revenue by line in the annual report on file, so growth by line cannot be read here; research and capital spending are on the trend.

What it rests on

three-year growth against the whole span-3.6 points a yeartop 38% of its family
the newest year's revenue growth-19.0%bottom 15% of its family

A production reading, recomputed from the filings on every data build, read from EDGAR Nov 13, 2026.

Expectations vs reality

as filed

1.0/10

Did its newest year beat what its own record pointed to?

bottom 10% of 39 in its family for expectations against reality.

weight 33% of this tense · 10th percentile among 39 sector filers · read for its shareholders

From the record

SFL Corporation Ltd.'s newest year against its own record: revenue of $733 million in fiscal 2025 came in 30.2% below the $1.1 billion its prior three years' pace pointed to (bottom 4% of its family); net income of $26 million against a prior three-year average of $139 million (bottom 9%); a net margin of -3.6% against 18.6% before (bottom 17%) (its annual reports).

What it rests on

revenue against the prior three years' pace-30.2%bottom 4% of its family
net income against the prior three years' average-119%bottom 9% of its family
net margin against its prior average-22.2 pointsbottom 17% of its family

A production reading, recomputed from the filings on every data build, read from EDGAR Nov 13, 2026.

The grade is the company against its own industry, from its filings. It is not a view on the share price. How the grade is made

SI Assistanton SFL · research, not advice