View Future GrowthSaga 과거 순이익 실적과거 기준 점검 2/6Saga은 연평균 2.6%의 비율로 수입이 증가해 온 반면, Insurance 산업은 수입이 14.2% 증가했습니다. 매출은 연평균 11.9%의 비율로 증가했습니다. Saga의 자기자본이익률은 5.9%이고 순이익률은 0.6%입니다.핵심 정보2.63%순이익 성장률4.29%주당순이익(EPS) 성장률Insurance 산업 성장률5.90%매출 성장률11.91%자기자본이익률5.88%순이익률0.62%다음 순이익 업데이트30 Sep 2026최근 과거 실적 업데이트Reported Earnings • May 27Full year 2026 earnings released: EPS: UK£0.029 (vs UK£1.27 loss in FY 2025)Full year 2026 results: EPS: UK£0.029 (up from UK£1.27 loss in FY 2025). Revenue: UK£666.1m (up 12% from FY 2025). Net income: UK£4.10m (up UK£182.8m from FY 2025). Profit margin: 0.6% (up from net loss in FY 2025). Revenue is forecast to grow 5.5% p.a. on average during the next 3 years, compared to a 5.7% growth forecast for the Insurance industry in Europe. Over the last 3 years on average, earnings per share has increased by 44% per year but the company’s share price has increased by 71% per year, which means it is tracking significantly ahead of earnings growth.공시 • May 26Saga plc to Report First Half, 2027 Results on Sep 30, 2026Saga plc announced that they will report first half, 2027 results on Sep 30, 2026공시 • Jan 20Saga plc to Report Fiscal Year 2026 Results on Apr 15, 2026Saga plc announced that they will report fiscal year 2026 results on Apr 15, 2026공시 • Jun 24Saga plc to Report First Half, 2026 Results on Sep 24, 2025Saga plc announced that they will report first half, 2026 results on Sep 24, 2025공시 • Jan 30Saga plc to Report Fiscal Year 2025 Results on Apr 09, 2025Saga plc announced that they will report fiscal year 2025 results on Apr 09, 2025Reported Earnings • Oct 13First half 2025 earnings released: UK£0.76 loss per share (vs UK£0.51 loss in 1H 2024)First half 2025 results: UK£0.76 loss per share (further deteriorated from UK£0.51 loss in 1H 2024). Revenue: UK£412.3m (up 16% from 1H 2024). Net loss: UK£106.1m (loss widened 49% from 1H 2024). Revenue is expected to decline by 1.6% p.a. on average during the next 3 years, while revenues in the Insurance industry in Europe are expected to grow by 5.0%. Over the last 3 years on average, earnings per share has fallen by 15% per year but the company’s share price has fallen by 23% per year, which means it is performing significantly worse than earnings.모든 업데이트 보기Recent updatesReported Earnings • May 27Full year 2026 earnings released: EPS: UK£0.029 (vs UK£1.27 loss in FY 2025)Full year 2026 results: EPS: UK£0.029 (up from UK£1.27 loss in FY 2025). Revenue: UK£666.1m (up 12% from FY 2025). Net income: UK£4.10m (up UK£182.8m from FY 2025). Profit margin: 0.6% (up from net loss in FY 2025). Revenue is forecast to grow 5.5% p.a. on average during the next 3 years, compared to a 5.7% growth forecast for the Insurance industry in Europe. Over the last 3 years on average, earnings per share has increased by 44% per year but the company’s share price has increased by 71% per year, which means it is tracking significantly ahead of earnings growth.공시 • May 27Saga plc, Annual General Meeting, Jun 30, 2026Saga plc, Annual General Meeting, Jun 30, 2026. Location: the office of herbert smith freehills kramer, exchange house, primrose street, ec2a 2eg, london United Kingdom공시 • May 26Saga plc to Report First Half, 2027 Results on Sep 30, 2026Saga plc announced that they will report first half, 2027 results on Sep 30, 2026공시 • Mar 23Saga plc Announces Committee ChangesIn accordance with Listing Rule 6.4.6, the Board of Saga plc announced that Gemma Godfrey has been appointed Chair of the Remuneration Committee and the Non-Executive Director nominated as the Board's 'People Champion', with immediate effect. In line with the continued simplification of business model, the decision has been made to disband the Innovation and Enterprise Committee, with immediate effect. Previous members for this committee included Anand Aithal (Chair), Roger De Haan, Gemma Godfrey and Gareth Hoskin. There are no changes to the Audit and Risk, or Nomination, Committees.공시 • Feb 28Julie Hopes Steps Down from Position of Non-Executive Director, Saga Plc, Effective from February 27, 2026Saga plc announced that Julie Hopes, Non-Executive Director since October 1, 2018, is stepping down from the Board with effect from February 27, 2026, to focus on other opportunities. The Board will review the composition of its committees and will announce any changes in due course following Julie Hopes' departure.공시 • Jan 20Saga plc to Report Fiscal Year 2026 Results on Apr 15, 2026Saga plc announced that they will report fiscal year 2026 results on Apr 15, 2026공시 • Jul 10Saga plc Announces Committee ChangesSaga plc announced that, in line with the continued simplification of our business model, the decision has been made to merge the Audit and Risk Committees, with immediate effect. The membership of the combined Audit and Risk Committee will be Gareth Hoskin (Chair), Anand Aithal and Julie Hopes. Gemma Godfrey has stepped down as a member of the Risk Committee. There are no changes to the Innovation and Enterprise, Nomination or Remuneration Committees.공시 • Jun 24Saga plc to Report First Half, 2026 Results on Sep 24, 2025Saga plc announced that they will report first half, 2026 results on Sep 24, 2025공시 • May 20Saga plc, Annual General Meeting, Jun 24, 2025Saga plc, Annual General Meeting, Jun 24, 2025. Location: the office of numis securities limited, 45 gresham street, ec2v 7bf, london United Kingdom공시 • Apr 09Saga plc Announces Board and Committee Change, with Effect from 9 April 2025The Board of Saga announces that Sir Peter Bazalgette, Senior Independent Director, and Steve Kingshott, Executive Director, are stepping down from the Board with effect from 9 April 2025. These changes to the Board follow Saga's successful Insurance agreement with wholly owned UK subsidiaries of Ageas SA/NV, and reflect the Group's newsimplified business model. Sir Peter, who chairs the Nomination Committee, is also a member of the Remuneration Committee. The Company announces that Gareth Hoskin will become Senior Independent Director, Chair of the Nomination Committee and a member of the Remuneration Committee. Julie Hopes will become a member of the Nomination Committee. These changes take effect from 9 April 2025. Following the changes above, the membership of the Nomination and Remuneration Committees will be as follows: Nomination Committee: Gareth Hoskin (Chair), Anand Aithal. Sir Roger De Haan, Gemma Godfrey and Julie Hopes. Remuneration Committee: Julie Hopes (Chair), Gemma Godfrey and Gareth Hoskin. There are no changes to the Audit, Innovation and Enterprise or Risk Committees.공시 • Feb 13Saga plc Announces Executive ChangesSaga plc announced that Steve Kingshott will be standing down from his role as the Chief Executive Officer (CEO) of Insurance, with effect from 12 February 2025, and will be assuming the role of specialist adviser, advising on the delivery and implementation of the 20-year partnership with Ageas for its motor and home Insurance Broking business. The CEO of Insurance role will be filled by Lloyd East, currently Chief Operating Officer of Insurance, subject to regulatory approval. Steve Kingshott will remain an executive director of the company.공시 • Jan 30Saga plc to Report Fiscal Year 2025 Results on Apr 09, 2025Saga plc announced that they will report fiscal year 2025 results on Apr 09, 2025Reported Earnings • Oct 13First half 2025 earnings released: UK£0.76 loss per share (vs UK£0.51 loss in 1H 2024)First half 2025 results: UK£0.76 loss per share (further deteriorated from UK£0.51 loss in 1H 2024). Revenue: UK£412.3m (up 16% from 1H 2024). Net loss: UK£106.1m (loss widened 49% from 1H 2024). Revenue is expected to decline by 1.6% p.a. on average during the next 3 years, while revenues in the Insurance industry in Europe are expected to grow by 5.0%. Over the last 3 years on average, earnings per share has fallen by 15% per year but the company’s share price has fallen by 23% per year, which means it is performing significantly worse than earnings.공시 • Oct 11Saga plc to Report First Half, 2025 Results on Oct 11, 2024Saga plc announced that they will report first half, 2025 results on Oct 11, 2024New Risk • Apr 30New minor risk - Shareholder dilutionThe company's shareholders have been diluted in the past year. Increase in shares outstanding: 2.2% This is considered a minor risk. Shareholder dilution occurs when there is an increase in the number of shares on issue that is not proportionally distributed between all shareholders. Often due to the company raising equity capital or some options being converted into stock. All else being equal, if there are more shares outstanding then each existing share will be entitled to a lower proportion of the company's total earnings, thus reducing earnings per share (EPS). While dilution might not always result in lower EPS (like if the company is using the capital to fund an EPS accretive acquisition) in a lot cases it does, along with lower dividends per share and less voting power at shareholder meetings. This is currently the only risk that has been identified for the company.Reported Earnings • Apr 21Full year 2024 earnings released: UK£0.81 loss per share (vs UK£1.86 loss in FY 2023)Full year 2024 results: UK£0.81 loss per share (improved from UK£1.86 loss in FY 2023). Revenue: UK£754.9m (up 29% from FY 2023). Net loss: UK£113.0m (loss narrowed 56% from FY 2023). Revenue is forecast to grow 4.6% p.a. on average during the next 2 years, compared to a 11% growth forecast for the Insurance industry in Germany. Over the last 3 years on average, earnings per share has fallen by 26% per year but the company’s share price has fallen by 34% per year, which means it is performing significantly worse than earnings.공시 • Apr 19+ 1 more updateSaga plc, Annual General Meeting, Jun 25, 2024Saga plc, Annual General Meeting, Jun 25, 2024.New Risk • Apr 14New minor risk - Financial data availabilityThe company's latest financial reports are more than 6 months old. Last reported fiscal period ended July 2023. This is considered a minor risk. If the company has not reported its earnings on time, it may have been delayed due to audit problems or it may be finding it difficult to reconcile its accounts. Currently, the following risks have been identified for the company: Minor Risks Latest financial reports are more than 6 months old (reported July 2023 fiscal period end). Share price has been volatile over the past 3 months (7.2% average weekly change).공시 • Jan 30Saga plc Provides Earnings Guidance for the Year 2023/2024Saga plc provided earnings guidance for the year 2023/2024. For the year, the Group is expected to report revenue growth of between 10% to 15%.공시 • Dec 22Saga plc Announces Directorate ChangeThe Board of Saga announced that Eva Eisenschimmel, Non-Executive Director since 1 January 2019, is stepping down from the Board to allow her to completely focus on her executive role. Eva, who chairs the Remuneration Committee, is also a member of the Nomination Committee and the Board's People Champion, responsible for workforce engagement andensuring that colleague views and opinions are communicated to the Board.She will leave the Board with effect from31 December 2023. The Company announced that Julie Hopes will become Chair of the Remuneration Committee and the Board's nominated People Champion. Anand Aithal, Gemma Godfrey and Gareth Hoskin will become members of the Nomination Committee. These changes take effect from 31 December 2023. Following the changes above, the membership of the Company's Committees will be as follows: Audit Committee: Gareth Hoskin (Chair), Anand Aithal and Julie Hopes, Nomination Committee: Sir Peter Bazalgette (Chair), Ana.공시 • Nov 29+ 1 more updateSaga plc Announces CEO ChangesSaga plc announced that, after four years with the business, Euan Sutherland will be standing down as Group Chief Executive Officer. Following a thorough internal and external process, the Board announced that he would be replaced by Mike Hazell, currently Group Chief Financial Officer. Mike, in turn, will be succeeded by Mark Watkins, currently Group Chief Corporate Development Officer. Euan informed the Board of Saga earlier this year that he believed the time was right time for him to stand down, allowing for the appointment of a new CEO to take Saga onto the next phase of its development. After joining Saga in January 2020, Euan stabilised the business, launched a new strategy and significantly strengthened the leadership team. He steered Saga through the COVID-19 pandemic and oversaw detailed work to strengthen the brand and identify new income streams. Mike, who joined Saga on 9 October 2023, has more than 25 years of multi-sector experience in a variety of executive roles. Most recently Interim CFO at The Co-op Group, he was previously Joint Chief Executive Officer of Debenhams, the retail chain and had held senior roles at BSkyB and Pfizer. Mark, a chartered accountant, has held a series of senior roles across finance, strategy and investor relations in a 20-year career at companies including Saga, Intertek, Secure Energy Services, Bovis Homes and Deloitte. Mike and Mark, who have been working closely together since Mike's arrival at Saga, will assume their new roles with immediate effect; Euan will stay on until 31 January 2024 to support in the transition to new leadership. The effective date of resignation of Euan Sutherland as a statutory director is confirmed as 28 November 2023.Reported Earnings • Sep 28First half 2024 earnings released: UK£0.51 loss per share (vs UK£1.91 loss in 1H 2023)First half 2024 results: UK£0.51 loss per share (improved from UK£1.91 loss in 1H 2023). Revenue: UK£355.0m (up 13% from 1H 2023). Net loss: UK£71.0m (loss narrowed 73% from 1H 2023). Over the last 3 years on average, earnings per share has increased by 35% per year but the company’s share price has fallen by 6% per year, which means it is significantly lagging earnings.공시 • Sep 27+ 1 more updateSaga plc Provides Revenue Guidance for the Full Year 2023Saga plc provided revenue guidance for the full year 2023. For the period, the company expected to achieve significant double-digit growth in revenue compared with prior year.New Risk • Aug 10New minor risk - Share price stabilityThe company's share price has been volatile over the past 3 months. It is more volatile than 75% of German stocks, typically moving 6.7% a week. This is considered a minor risk. Share price volatility indicates the stock is highly sensitive to market conditions or economic conditions rather than being sensitive to its own business performance, which may also be inconsistent. It also increases the risk of potential losses in the short term as the stock tends to have larger drops in price more frequently than other stocks. This is currently the only risk that has been identified for the company.공시 • Feb 11Saga in Exclusive Discussions Regarding a Potential Sale of the Underwriting Arm of Its Insurance Business to OpenSaga plc (LSE:SAGA) said on February 10, 2023 that it was in exclusive discussions regarding a potential sale of the underwriting arm of its insurance business to Australian insurance group Open. Saga’s statement comes after Sky News reported on February 9, 2023 that the holiday group was in talks to sell its Acromas Insurance Company Limited. Saga has flagged pressure on the business and said last month that it was in talks to sell the underwriting unit of the insurance division to help pay down debt. Saga did not immediately respond to a Reuters request on the value of the proposed sale.공시 • Jan 24Saga plc to Report Fiscal Year 2023 Results on Apr 04, 2023Saga plc announced that they will report fiscal year 2023 results on Apr 04, 2023공시 • Jan 23Saga in Discussions with Regard to a Possible Disposal of AICLSaga plc (LSE:SAGA) (Saga or the Group) noted recent media coverage about the potential sale of Acromas Insurance Company limited (AICL) and confirmed that it is in discussions with regard to a possible disposal of this business. The Board has looked at the opportunities to optimise Saga's operational and strategic position in the insurance market, in line with the evolution to a capital-light business model and the stated objective to reduce debt. It has concluded that a potential disposal of its Underwriting business is consistent with Group strategy and would crystalise value and enhance long-term returns for shareholders. AICL currently underwrites approximately 25-30% of Saga's insurance business. Discussions are ongoing and there can be no certainty that any transaction will occur. Any disposal of AICL would require regulatory and shareholder approvals. A further announcement will be made in due course.공시 • Dec 15Saga Announces the Appointment of Steve Kingshott to the BoardSaga announced the appointment of Steve Kingshott, the CEO of Saga Insurance, to the Board. Steve, who joined Saga in November 2021,is responsible for driving Saga's insurance strategy, optimising sales, delivering excellent customer service and broadening the range of new products. He will join the Board with effect from 3 January 2023.공시 • Nov 18Saga plc Announces Establishment of New CommitteePursuant to Listing Rule 9.6.11, Saga plc announced that the Board has established an Innovation and Enterprise Committee which will be chaired by Anand Aithal. The Innovation and Enterprise Committee's membership will include Sir Roger De Haan, Sir Peter Bazalgette, Gemma Godfrey and Gareth Hoskin. In addition, the Board has reviewed the membership of its existing Committees. With immediate effect, the membership of the Committees of the Board will be as follows:· Remuneration Committee- Eva Eisenschimmel (Chair), Sir Peter Bazalgette, Gemma Godfrey, Julie Hopes. Nomination Committee- Sir Peter Bazalgette (Chair), Sir Roger De Haan, Eva Eisenschimmel. Audit Committee- Gareth Hoskin (Chair), Anand Aithal, Julie Hopes. Risk Committee- Julie Hopes (Chair), Gemma Godfrey, Gareth Hoskin.Board Change • Nov 16High number of new directorsThere are 5 new directors who have joined the board in the last 3 years. Independent Non-Executive Director Gemma Godfrey was the last director to join the board, commencing their role in 2022. The company’s lack of board continuity is considered a risk according to the Simply Wall St Risk Model.Board Change • Nov 01High number of new directorsThere are 5 new directors who have joined the board in the last 3 years. Independent Non-Executive Director Gemma Godfrey was the last director to join the board, commencing their role in 2022. The company’s lack of board continuity is considered a risk according to the Simply Wall St Risk Model.Board Change • Oct 02High number of new directorsThere are 5 new directors who have joined the board in the last 3 years. Independent Non-Executive Director Baz Bazalgette was the last director to join the board, commencing their role in 2022. The company’s lack of board continuity is considered a risk according to the Simply Wall St Risk Model.Reported Earnings • Sep 28First half 2023 earnings released: UK£1.89 loss per share (vs UK£0.022 loss in 1H 2022)First half 2023 results: UK£1.89 loss per share (further deteriorated from UK£0.022 loss in 1H 2022). Revenue: UK£259.0m (up 65% from 1H 2022). Net loss: UK£263.1m (loss widened UK£260.0m from 1H 2022). Revenue is forecast to grow 9.7% p.a. on average during the next 3 years, compared to a 5.5% growth forecast for the Insurance industry in Germany. Over the last 3 years on average, earnings per share has increased by 60% per year but the company’s share price has fallen by 44% per year, which means it is significantly lagging earnings.공시 • Aug 23Saga Announces Directorate ChangeSaga announced three senior appointments to support the Group's growth strategy and positioning as the superbrand for older people in the UK. Anand Aithalwill join the Board as an Independent Non-Executive Director on 1 September 2022. Anand has extensive non-executive experience from fintech, insurance broking, asset management and accountancy. He also brings an entrepreneurial perspective, having co-founded his own data analytics business. Prior to this, he was a Managing Director at Goldman Sachs. Additionally, Anand is currently Lead Non-Executive Board Member for the UK Cabinet Office. Further to the announcement on 5 July 2022 of the creation of the new role of Chief Data Officer, Saga confirms that Michael O'Donohue has been appointed to the Executive team. He will be focused on realising the potential in the way Saga uses customer insight to enhance its commercial value. Michael joins from Camelot, the operator of the National Lottery, where he is currently Chief Data Officer. He has also held senior positions with Centrica and Tesco, having previously been a consultant with McKinsey and Company. Michael will join Saga on 3 October 2022.공시 • Jul 05Saga Announces Directorate ChangesSaga announced five senior appointments as it reshapes its leadership to support delivery of the strategy to accelerate growth and position Saga as the superbrand for older people in the UK. The Board of Saga has appointed two new non-executive directors to widen the skill set as the business is reshaped towards a greater focus on marketing, content and distribution. Sir Peter Bazalgette, currently Chair of ITV plc and LoveCrafts and a non-executive director of Edge Performance VCT plc, will join the Board and become the Senior Independent Non-Executive Director (SID). Sir Peter, the Co-Chair of the Creative Industries Council, brings a wealth of experience from the media and wider creative industries, including with Endemol, the BBC, YouGov and Channel Four. Sir Peter will Chair the Nomination Committee. Gemma Godfrey, a founder of two digital businesses and a Non-Executive Director of Oberon Investments Group plc and Vivopower International plc, will join the Board as a Non-Executive Director. Gemma, who was a boardroom adviser to Arnold Schwarzenegger on The Apprentice USA and is a business and money expert on ITV's Good Morning Britain and Sky News, will also chair the separate Saga Personal Finance Limited Board, subject to the necessary regulatory approval. Both will join the Board on 1 September 2022, following which Saga will review the membership of Board committees. Orna NiChionna, the current SID, who has served on the Saga Board since May 2014, will step down from the Board on 30 September 2022. Her roles as Senior Independent Non-Executive Director and Chair of the Nomination Committee will move to Sir Peter at that time. Separately, Saga has appointed a Chief Data Officer, focused on bringing to life and enhancing the way it uses customer insight to drive commercial value. This individual, who currently leads the data functions at a major consumer-facing business, will join Saga in the autumn, with further details to be announced nearer the time.Reported Earnings • Jun 02Full year 2022 earnings released: UK£0.20 loss per share (vs UK£0.67 loss in FY 2021)Full year 2022 results: UK£0.20 loss per share (up from UK£0.67 loss in FY 2021). Revenue: UK£377.5m (up 11% from FY 2021). Net loss: UK£28.0m (loss narrowed 59% from FY 2021). Combined ratio: 40.3% (up from 26.1% in FY 2021). Over the next year, revenue is forecast to grow 59%, compared to a 22% growth forecast for the insurance industry in Germany. Over the last 3 years on average, earnings per share has increased by 51% per year but the company’s share price has fallen by 26% per year, which means it is significantly lagging earnings.공시 • May 31+ 1 more updateSaga plc to Report First Half, 2023 Results on Sep 27, 2022Saga plc announced that they will report first half, 2023 results on Sep 27, 2022Recent Insider Transactions • Apr 02Non-Executive Chairman recently bought €58k worth of stockOn the 30th of March, Roger De Haan bought around 21k shares on-market at roughly €2.79 per share. This was the largest purchase by an insider in the last 3 months. Roger has been a buyer over the last 12 months, purchasing a net total of €1.2m worth in shares.Breakeven Date Change • Jan 31Forecast breakeven date pushed back to 2023The 3 analysts covering Saga previously expected the company to break even in 2022. New consensus forecast suggests the company will make a profit of UK£69.4m in 2023. Average annual earnings growth of 61% is required to achieve expected profit on schedule.Recent Insider Transactions • Nov 18Non-Executive Chairman recently bought €1.2m worth of stockOn the 16th of November, Roger De Haan bought around 341k shares on-market at roughly €3.47 per share. This was the largest purchase by an insider in the last 3 months. This was Roger's only on-market trade for the last 12 months.Reported Earnings • Sep 24First half 2022 earnings released: UK£0.022 loss per share (vs UK£0.70 loss in 1H 2021)The company reported a decent first half result with reduced losses and improved control over expenses, although revenues were weaker. First half 2022 results: Revenue: UK£156.8m (down 19% from 1H 2021). Net loss: UK£3.10m (loss narrowed 95% from 1H 2021). Over the last 3 years on average, earnings per share has fallen by 5% per year but the company’s share price has fallen by 43% per year, which means it is performing significantly worse than earnings.Breakeven Date Change • Sep 23Forecast to breakeven in 2022The 3 analysts covering Saga expect the company to break even for the first time. New consensus forecast suggests the company will make a profit of UK£19.4m in 2022. Earnings growth of 77% is required to achieve expected profit on schedule.Reported Earnings • May 16Full year 2021 earnings released: UK£0.67 loss per share (vs UK£4.19 loss in FY 2020)The company reported a decent full year result with reduced losses and improved control over expenses, although revenues were weaker. Full year 2021 results: Revenue: UK£340.0m (down 57% from FY 2020). Net loss: UK£67.8m (loss narrowed 78% from FY 2020). Combined ratio: 26.1% (down from 47.0% in FY 2020). Over the last 3 years on average, the company's share price growth rate has exceeded its earnings growth rate by 26 percentage points per year, which is a significant difference in performance.Recent Insider Transactions • May 08Group CEO recently bought €229k worth of stockOn the 5th of May, Euan Sutherland bought around 51k shares on-market at roughly €4.48 per share. This was the largest purchase by an insider in the last 3 months. Euan has been a buyer over the last 12 months, purchasing a net total of €248k worth in shares.Reported Earnings • Apr 09Full year 2021 earnings released: UK£0.67 loss per share (vs UK£4.19 loss in FY 2020)The company reported a decent full year result with reduced losses and improved control over expenses, although revenues were weaker. Full year 2021 results: Revenue: UK£338.3m (down 58% from FY 2020). Net loss: UK£67.8m (loss narrowed 78% from FY 2020). Over the last 3 years on average, the company's share price growth rate has exceeded its earnings growth rate by 25 percentage points per year, which is a significant difference in performance.공시 • Mar 06Saga plc to Report Q4, 2021 Results on Apr 07, 2021Saga plc announced that they will report Q4, 2021 results on Apr 07, 2021Is New 90 Day High Low • Feb 23New 90-day high: €4.03The company is up 22% from its price of €3.30 on 25 November 2020. The German market is up 9.0% over the last 90 days, indicating the company outperformed over that time. It also outperformed the Insurance industry, which is down 1.0% over the same period.공시 • Jan 28+ 4 more updatesSaga plc(LSE:SAGA) dropped from FTSE 350 Index (GBP)Saga plc(LSE:SAGA) dropped from FTSE 350 Index (GBP)Is New 90 Day High Low • Jan 23New 90-day high: €3.40The company is up 100% from its price of €1.70 on 23 October 2020. The German market is up 12% over the last 90 days, indicating the company outperformed over that time. It also outperformed the Insurance industry, which is up 14% over the same period.공시 • Jan 05Saga plc Announces Directorate ChangeSaga plc announced that Cheryl Agius has informed the Board of her intention to step down from her role as Chief Executive Officer of Saga Insurance and as an Executive Director of Saga plc with immediate effect for personal reasons. Euan Sutherland, Group CEO of Saga plc, assumes the responsibilities of Interim CEO of Saga Insurance until a suitable replacement is appointed, supported by the Executive Leadership Team and the senior management of the Insurance business. The search for a successor has commenced and this process is expected to take several months to complete.공시 • Dec 06Saga plc Announces Directorate Changes with Effect from 31 December 2020Saga plc confirmed that Gareth Williams, Non-Executive Director and member of the Audit, Nomination, Remuneration and Risk Committees, will step down from the Board on 31 December 2020. Effective from the same date, the company announced that Julie Hopes will become Chair of the Risk Committee and a member of the Audit Committee.Recent Insider Transactions • Oct 09Insider recently bought €43m worth of stockOn the 5th of October, Roger De Haan bought around 328m shares on-market at roughly €0.13 per share. This was the largest purchase by an insider in the last 3 months. Insiders have collectively bought €44m more in shares than they have sold in the last 12 months.공시 • Sep 10Saga plc to Report First Half, 2021 Results on Sep 10, 2020Saga plc announced that they will report first half, 2021 results on Sep 10, 2020매출 및 비용 세부 내역Saga가 돈을 벌고 사용하는 방법. 최근 발표된 LTM 실적 기준.순이익 및 매출 추이DB:65J 매출, 비용 및 순이익 (GBP Millions)날짜매출순이익일반관리비연구개발비31 Jan 266664220031 Oct 25644-27228031 Jul 25621-57237030 Apr 25608-118227031 Jan 25594-179216031 Jul 24520-153224030 Apr 24546-130222031 Jan 24571-108220031 Oct 23727-95197031 Jul 23699-78199030 Apr 23679-175188031 Jan 23659-273178031 Oct 22597-282187031 Jul 22535-291196030 Apr 22456-160202031 Jan 22378-28207031 Oct 21340-21182031 Jul 21303-14156030 Apr 21321-41175031 Jan 21340-68194031 Oct 20467-242213031 Jul 20594-416233030 Apr 20696-364231031 Jan 20799-313229031 Oct 19803-259230031 Jul 19807-205231030 Apr 19825-183228031 Jan 19843-162225031 Jul 18864150223030 Apr 18867148226031 Jan 18869147228031 Jul 17882155228030 Apr 17885156227031 Jan 17888157225031 Oct 16911156222031 Jul 16934155219030 Apr 16954151211031 Jan 16974148202031 Oct 15965143171031 Jul 159551371400양질의 수익: 65J는 £35.9M 규모의 큰 일회성 손실이 있어 31st January, 2026까지 지난 12개월 재무 결과에 영향을 미쳤습니다.이익 마진 증가: 65J는 과거에 흑자전환했습니다.잉여현금흐름 대비 순이익 분석과거 순이익 성장 분석수익추이: 65J는 지난 5년 동안 흑자전환하며 연평균 2.6%의 수익 성장을 기록했습니다.성장 가속화: 65J는 지난해 흑자전환하여 5년 평균과 수익 성장률을 비교하기 어렵습니다.수익 대 산업: 65J는 지난해 흑자전환하여 지난 해 수익 성장률을 Insurance 업계(32.1%)와 비교하기 어렵습니다.자기자본이익률높은 ROE: 65J의 자본 수익률(5.9%)은 낮음으로 평가됩니다.총자산이익률투하자본수익률우수한 과거 실적 기업을 찾아보세요7D1Y7D1Y7D1YInsurance 산업에서 과거 실적이 우수한 기업.View Financial Health기업 분석 및 재무 데이터 상태데이터최종 업데이트 (UTC 시간)기업 분석2026/06/14 09:33종가2026/06/12 00:00수익2026/01/31연간 수익2026/01/31데이터 소스당사의 기업 분석에 사용되는 데이터는 S&P Global Market Intelligence LLC에서 제공됩니다. 아래 데이터는 이 보고서를 생성하기 위해 분석 모델에서 사용됩니다. 데이터는 정규화되므로 소스가 제공된 후 지연이 발생할 수 있습니다.패키지데이터기간미국 소스 예시 *기업 재무제표10년손익계산서현금흐름표대차대조표SEC 양식 10-KSEC 양식 10-Q분석가 컨센서스 추정치+3년재무 예측분석가 목표주가분석가 리서치 보고서Blue Matrix시장 가격30년주가배당, 분할 및 기타 조치ICE 시장 데이터SEC 양식 S-1지분 구조10년주요 주주내부자 거래SEC 양식 4SEC 양식 13D경영진10년리더십 팀이사회SEC 양식 10-KSEC 양식 DEF 14A주요 개발10년회사 공시SEC 양식 8-K* 미국 증권에 대한 예시이며, 비(非)미국 증권에는 해당 국가의 규제 서식 및 자료원을 사용합니다.별도로 명시되지 않는 한 모든 재무 데이터는 연간 기간을 기준으로 하지만 분기별로 업데이트됩니다. 이를 TTM(최근 12개월) 또는 LTM(지난 12개월) 데이터라고 합니다. 자세히 알아보기.분석 모델 및 스노우플레이크이 보고서를 생성하는 데 사용된 분석 모델에 대한 자세한 내용은 당사의 Github 페이지에서 확인하실 수 있습니다. 또한 보고서 활용 방법에 대한 가이드와 YouTube 튜토리얼도 제공합니다.Simply Wall St 분석 모델을 설계하고 구축한 세계적 수준의 팀에 대해 알아보세요.산업 및 섹터 지표산업 및 섹터 지표는 Simply Wall St가 6시간마다 계산하며, 프로세스에 대한 자세한 내용은 Github에서 확인할 수 있습니다.분석가 소스Saga plc는 10명의 분석가가 다루고 있습니다. 이 중 3명의 분석가가 우리 보고서에 입력 데이터로 사용되는 매출 또는 수익 추정치를 제출했습니다. 분석가의 제출 자료는 하루 종일 업데이트됩니다.분석가기관Thomas SeidlBernsteinBenjamin CohenCanaccord GenuityTimothy BarrettDeutsche Bank7명의 분석가 더 보기
Reported Earnings • May 27Full year 2026 earnings released: EPS: UK£0.029 (vs UK£1.27 loss in FY 2025)Full year 2026 results: EPS: UK£0.029 (up from UK£1.27 loss in FY 2025). Revenue: UK£666.1m (up 12% from FY 2025). Net income: UK£4.10m (up UK£182.8m from FY 2025). Profit margin: 0.6% (up from net loss in FY 2025). Revenue is forecast to grow 5.5% p.a. on average during the next 3 years, compared to a 5.7% growth forecast for the Insurance industry in Europe. Over the last 3 years on average, earnings per share has increased by 44% per year but the company’s share price has increased by 71% per year, which means it is tracking significantly ahead of earnings growth.
공시 • May 26Saga plc to Report First Half, 2027 Results on Sep 30, 2026Saga plc announced that they will report first half, 2027 results on Sep 30, 2026
공시 • Jan 20Saga plc to Report Fiscal Year 2026 Results on Apr 15, 2026Saga plc announced that they will report fiscal year 2026 results on Apr 15, 2026
공시 • Jun 24Saga plc to Report First Half, 2026 Results on Sep 24, 2025Saga plc announced that they will report first half, 2026 results on Sep 24, 2025
공시 • Jan 30Saga plc to Report Fiscal Year 2025 Results on Apr 09, 2025Saga plc announced that they will report fiscal year 2025 results on Apr 09, 2025
Reported Earnings • Oct 13First half 2025 earnings released: UK£0.76 loss per share (vs UK£0.51 loss in 1H 2024)First half 2025 results: UK£0.76 loss per share (further deteriorated from UK£0.51 loss in 1H 2024). Revenue: UK£412.3m (up 16% from 1H 2024). Net loss: UK£106.1m (loss widened 49% from 1H 2024). Revenue is expected to decline by 1.6% p.a. on average during the next 3 years, while revenues in the Insurance industry in Europe are expected to grow by 5.0%. Over the last 3 years on average, earnings per share has fallen by 15% per year but the company’s share price has fallen by 23% per year, which means it is performing significantly worse than earnings.
Reported Earnings • May 27Full year 2026 earnings released: EPS: UK£0.029 (vs UK£1.27 loss in FY 2025)Full year 2026 results: EPS: UK£0.029 (up from UK£1.27 loss in FY 2025). Revenue: UK£666.1m (up 12% from FY 2025). Net income: UK£4.10m (up UK£182.8m from FY 2025). Profit margin: 0.6% (up from net loss in FY 2025). Revenue is forecast to grow 5.5% p.a. on average during the next 3 years, compared to a 5.7% growth forecast for the Insurance industry in Europe. Over the last 3 years on average, earnings per share has increased by 44% per year but the company’s share price has increased by 71% per year, which means it is tracking significantly ahead of earnings growth.
공시 • May 27Saga plc, Annual General Meeting, Jun 30, 2026Saga plc, Annual General Meeting, Jun 30, 2026. Location: the office of herbert smith freehills kramer, exchange house, primrose street, ec2a 2eg, london United Kingdom
공시 • May 26Saga plc to Report First Half, 2027 Results on Sep 30, 2026Saga plc announced that they will report first half, 2027 results on Sep 30, 2026
공시 • Mar 23Saga plc Announces Committee ChangesIn accordance with Listing Rule 6.4.6, the Board of Saga plc announced that Gemma Godfrey has been appointed Chair of the Remuneration Committee and the Non-Executive Director nominated as the Board's 'People Champion', with immediate effect. In line with the continued simplification of business model, the decision has been made to disband the Innovation and Enterprise Committee, with immediate effect. Previous members for this committee included Anand Aithal (Chair), Roger De Haan, Gemma Godfrey and Gareth Hoskin. There are no changes to the Audit and Risk, or Nomination, Committees.
공시 • Feb 28Julie Hopes Steps Down from Position of Non-Executive Director, Saga Plc, Effective from February 27, 2026Saga plc announced that Julie Hopes, Non-Executive Director since October 1, 2018, is stepping down from the Board with effect from February 27, 2026, to focus on other opportunities. The Board will review the composition of its committees and will announce any changes in due course following Julie Hopes' departure.
공시 • Jan 20Saga plc to Report Fiscal Year 2026 Results on Apr 15, 2026Saga plc announced that they will report fiscal year 2026 results on Apr 15, 2026
공시 • Jul 10Saga plc Announces Committee ChangesSaga plc announced that, in line with the continued simplification of our business model, the decision has been made to merge the Audit and Risk Committees, with immediate effect. The membership of the combined Audit and Risk Committee will be Gareth Hoskin (Chair), Anand Aithal and Julie Hopes. Gemma Godfrey has stepped down as a member of the Risk Committee. There are no changes to the Innovation and Enterprise, Nomination or Remuneration Committees.
공시 • Jun 24Saga plc to Report First Half, 2026 Results on Sep 24, 2025Saga plc announced that they will report first half, 2026 results on Sep 24, 2025
공시 • May 20Saga plc, Annual General Meeting, Jun 24, 2025Saga plc, Annual General Meeting, Jun 24, 2025. Location: the office of numis securities limited, 45 gresham street, ec2v 7bf, london United Kingdom
공시 • Apr 09Saga plc Announces Board and Committee Change, with Effect from 9 April 2025The Board of Saga announces that Sir Peter Bazalgette, Senior Independent Director, and Steve Kingshott, Executive Director, are stepping down from the Board with effect from 9 April 2025. These changes to the Board follow Saga's successful Insurance agreement with wholly owned UK subsidiaries of Ageas SA/NV, and reflect the Group's newsimplified business model. Sir Peter, who chairs the Nomination Committee, is also a member of the Remuneration Committee. The Company announces that Gareth Hoskin will become Senior Independent Director, Chair of the Nomination Committee and a member of the Remuneration Committee. Julie Hopes will become a member of the Nomination Committee. These changes take effect from 9 April 2025. Following the changes above, the membership of the Nomination and Remuneration Committees will be as follows: Nomination Committee: Gareth Hoskin (Chair), Anand Aithal. Sir Roger De Haan, Gemma Godfrey and Julie Hopes. Remuneration Committee: Julie Hopes (Chair), Gemma Godfrey and Gareth Hoskin. There are no changes to the Audit, Innovation and Enterprise or Risk Committees.
공시 • Feb 13Saga plc Announces Executive ChangesSaga plc announced that Steve Kingshott will be standing down from his role as the Chief Executive Officer (CEO) of Insurance, with effect from 12 February 2025, and will be assuming the role of specialist adviser, advising on the delivery and implementation of the 20-year partnership with Ageas for its motor and home Insurance Broking business. The CEO of Insurance role will be filled by Lloyd East, currently Chief Operating Officer of Insurance, subject to regulatory approval. Steve Kingshott will remain an executive director of the company.
공시 • Jan 30Saga plc to Report Fiscal Year 2025 Results on Apr 09, 2025Saga plc announced that they will report fiscal year 2025 results on Apr 09, 2025
Reported Earnings • Oct 13First half 2025 earnings released: UK£0.76 loss per share (vs UK£0.51 loss in 1H 2024)First half 2025 results: UK£0.76 loss per share (further deteriorated from UK£0.51 loss in 1H 2024). Revenue: UK£412.3m (up 16% from 1H 2024). Net loss: UK£106.1m (loss widened 49% from 1H 2024). Revenue is expected to decline by 1.6% p.a. on average during the next 3 years, while revenues in the Insurance industry in Europe are expected to grow by 5.0%. Over the last 3 years on average, earnings per share has fallen by 15% per year but the company’s share price has fallen by 23% per year, which means it is performing significantly worse than earnings.
공시 • Oct 11Saga plc to Report First Half, 2025 Results on Oct 11, 2024Saga plc announced that they will report first half, 2025 results on Oct 11, 2024
New Risk • Apr 30New minor risk - Shareholder dilutionThe company's shareholders have been diluted in the past year. Increase in shares outstanding: 2.2% This is considered a minor risk. Shareholder dilution occurs when there is an increase in the number of shares on issue that is not proportionally distributed between all shareholders. Often due to the company raising equity capital or some options being converted into stock. All else being equal, if there are more shares outstanding then each existing share will be entitled to a lower proportion of the company's total earnings, thus reducing earnings per share (EPS). While dilution might not always result in lower EPS (like if the company is using the capital to fund an EPS accretive acquisition) in a lot cases it does, along with lower dividends per share and less voting power at shareholder meetings. This is currently the only risk that has been identified for the company.
Reported Earnings • Apr 21Full year 2024 earnings released: UK£0.81 loss per share (vs UK£1.86 loss in FY 2023)Full year 2024 results: UK£0.81 loss per share (improved from UK£1.86 loss in FY 2023). Revenue: UK£754.9m (up 29% from FY 2023). Net loss: UK£113.0m (loss narrowed 56% from FY 2023). Revenue is forecast to grow 4.6% p.a. on average during the next 2 years, compared to a 11% growth forecast for the Insurance industry in Germany. Over the last 3 years on average, earnings per share has fallen by 26% per year but the company’s share price has fallen by 34% per year, which means it is performing significantly worse than earnings.
공시 • Apr 19+ 1 more updateSaga plc, Annual General Meeting, Jun 25, 2024Saga plc, Annual General Meeting, Jun 25, 2024.
New Risk • Apr 14New minor risk - Financial data availabilityThe company's latest financial reports are more than 6 months old. Last reported fiscal period ended July 2023. This is considered a minor risk. If the company has not reported its earnings on time, it may have been delayed due to audit problems or it may be finding it difficult to reconcile its accounts. Currently, the following risks have been identified for the company: Minor Risks Latest financial reports are more than 6 months old (reported July 2023 fiscal period end). Share price has been volatile over the past 3 months (7.2% average weekly change).
공시 • Jan 30Saga plc Provides Earnings Guidance for the Year 2023/2024Saga plc provided earnings guidance for the year 2023/2024. For the year, the Group is expected to report revenue growth of between 10% to 15%.
공시 • Dec 22Saga plc Announces Directorate ChangeThe Board of Saga announced that Eva Eisenschimmel, Non-Executive Director since 1 January 2019, is stepping down from the Board to allow her to completely focus on her executive role. Eva, who chairs the Remuneration Committee, is also a member of the Nomination Committee and the Board's People Champion, responsible for workforce engagement andensuring that colleague views and opinions are communicated to the Board.She will leave the Board with effect from31 December 2023. The Company announced that Julie Hopes will become Chair of the Remuneration Committee and the Board's nominated People Champion. Anand Aithal, Gemma Godfrey and Gareth Hoskin will become members of the Nomination Committee. These changes take effect from 31 December 2023. Following the changes above, the membership of the Company's Committees will be as follows: Audit Committee: Gareth Hoskin (Chair), Anand Aithal and Julie Hopes, Nomination Committee: Sir Peter Bazalgette (Chair), Ana.
공시 • Nov 29+ 1 more updateSaga plc Announces CEO ChangesSaga plc announced that, after four years with the business, Euan Sutherland will be standing down as Group Chief Executive Officer. Following a thorough internal and external process, the Board announced that he would be replaced by Mike Hazell, currently Group Chief Financial Officer. Mike, in turn, will be succeeded by Mark Watkins, currently Group Chief Corporate Development Officer. Euan informed the Board of Saga earlier this year that he believed the time was right time for him to stand down, allowing for the appointment of a new CEO to take Saga onto the next phase of its development. After joining Saga in January 2020, Euan stabilised the business, launched a new strategy and significantly strengthened the leadership team. He steered Saga through the COVID-19 pandemic and oversaw detailed work to strengthen the brand and identify new income streams. Mike, who joined Saga on 9 October 2023, has more than 25 years of multi-sector experience in a variety of executive roles. Most recently Interim CFO at The Co-op Group, he was previously Joint Chief Executive Officer of Debenhams, the retail chain and had held senior roles at BSkyB and Pfizer. Mark, a chartered accountant, has held a series of senior roles across finance, strategy and investor relations in a 20-year career at companies including Saga, Intertek, Secure Energy Services, Bovis Homes and Deloitte. Mike and Mark, who have been working closely together since Mike's arrival at Saga, will assume their new roles with immediate effect; Euan will stay on until 31 January 2024 to support in the transition to new leadership. The effective date of resignation of Euan Sutherland as a statutory director is confirmed as 28 November 2023.
Reported Earnings • Sep 28First half 2024 earnings released: UK£0.51 loss per share (vs UK£1.91 loss in 1H 2023)First half 2024 results: UK£0.51 loss per share (improved from UK£1.91 loss in 1H 2023). Revenue: UK£355.0m (up 13% from 1H 2023). Net loss: UK£71.0m (loss narrowed 73% from 1H 2023). Over the last 3 years on average, earnings per share has increased by 35% per year but the company’s share price has fallen by 6% per year, which means it is significantly lagging earnings.
공시 • Sep 27+ 1 more updateSaga plc Provides Revenue Guidance for the Full Year 2023Saga plc provided revenue guidance for the full year 2023. For the period, the company expected to achieve significant double-digit growth in revenue compared with prior year.
New Risk • Aug 10New minor risk - Share price stabilityThe company's share price has been volatile over the past 3 months. It is more volatile than 75% of German stocks, typically moving 6.7% a week. This is considered a minor risk. Share price volatility indicates the stock is highly sensitive to market conditions or economic conditions rather than being sensitive to its own business performance, which may also be inconsistent. It also increases the risk of potential losses in the short term as the stock tends to have larger drops in price more frequently than other stocks. This is currently the only risk that has been identified for the company.
공시 • Feb 11Saga in Exclusive Discussions Regarding a Potential Sale of the Underwriting Arm of Its Insurance Business to OpenSaga plc (LSE:SAGA) said on February 10, 2023 that it was in exclusive discussions regarding a potential sale of the underwriting arm of its insurance business to Australian insurance group Open. Saga’s statement comes after Sky News reported on February 9, 2023 that the holiday group was in talks to sell its Acromas Insurance Company Limited. Saga has flagged pressure on the business and said last month that it was in talks to sell the underwriting unit of the insurance division to help pay down debt. Saga did not immediately respond to a Reuters request on the value of the proposed sale.
공시 • Jan 24Saga plc to Report Fiscal Year 2023 Results on Apr 04, 2023Saga plc announced that they will report fiscal year 2023 results on Apr 04, 2023
공시 • Jan 23Saga in Discussions with Regard to a Possible Disposal of AICLSaga plc (LSE:SAGA) (Saga or the Group) noted recent media coverage about the potential sale of Acromas Insurance Company limited (AICL) and confirmed that it is in discussions with regard to a possible disposal of this business. The Board has looked at the opportunities to optimise Saga's operational and strategic position in the insurance market, in line with the evolution to a capital-light business model and the stated objective to reduce debt. It has concluded that a potential disposal of its Underwriting business is consistent with Group strategy and would crystalise value and enhance long-term returns for shareholders. AICL currently underwrites approximately 25-30% of Saga's insurance business. Discussions are ongoing and there can be no certainty that any transaction will occur. Any disposal of AICL would require regulatory and shareholder approvals. A further announcement will be made in due course.
공시 • Dec 15Saga Announces the Appointment of Steve Kingshott to the BoardSaga announced the appointment of Steve Kingshott, the CEO of Saga Insurance, to the Board. Steve, who joined Saga in November 2021,is responsible for driving Saga's insurance strategy, optimising sales, delivering excellent customer service and broadening the range of new products. He will join the Board with effect from 3 January 2023.
공시 • Nov 18Saga plc Announces Establishment of New CommitteePursuant to Listing Rule 9.6.11, Saga plc announced that the Board has established an Innovation and Enterprise Committee which will be chaired by Anand Aithal. The Innovation and Enterprise Committee's membership will include Sir Roger De Haan, Sir Peter Bazalgette, Gemma Godfrey and Gareth Hoskin. In addition, the Board has reviewed the membership of its existing Committees. With immediate effect, the membership of the Committees of the Board will be as follows:· Remuneration Committee- Eva Eisenschimmel (Chair), Sir Peter Bazalgette, Gemma Godfrey, Julie Hopes. Nomination Committee- Sir Peter Bazalgette (Chair), Sir Roger De Haan, Eva Eisenschimmel. Audit Committee- Gareth Hoskin (Chair), Anand Aithal, Julie Hopes. Risk Committee- Julie Hopes (Chair), Gemma Godfrey, Gareth Hoskin.
Board Change • Nov 16High number of new directorsThere are 5 new directors who have joined the board in the last 3 years. Independent Non-Executive Director Gemma Godfrey was the last director to join the board, commencing their role in 2022. The company’s lack of board continuity is considered a risk according to the Simply Wall St Risk Model.
Board Change • Nov 01High number of new directorsThere are 5 new directors who have joined the board in the last 3 years. Independent Non-Executive Director Gemma Godfrey was the last director to join the board, commencing their role in 2022. The company’s lack of board continuity is considered a risk according to the Simply Wall St Risk Model.
Board Change • Oct 02High number of new directorsThere are 5 new directors who have joined the board in the last 3 years. Independent Non-Executive Director Baz Bazalgette was the last director to join the board, commencing their role in 2022. The company’s lack of board continuity is considered a risk according to the Simply Wall St Risk Model.
Reported Earnings • Sep 28First half 2023 earnings released: UK£1.89 loss per share (vs UK£0.022 loss in 1H 2022)First half 2023 results: UK£1.89 loss per share (further deteriorated from UK£0.022 loss in 1H 2022). Revenue: UK£259.0m (up 65% from 1H 2022). Net loss: UK£263.1m (loss widened UK£260.0m from 1H 2022). Revenue is forecast to grow 9.7% p.a. on average during the next 3 years, compared to a 5.5% growth forecast for the Insurance industry in Germany. Over the last 3 years on average, earnings per share has increased by 60% per year but the company’s share price has fallen by 44% per year, which means it is significantly lagging earnings.
공시 • Aug 23Saga Announces Directorate ChangeSaga announced three senior appointments to support the Group's growth strategy and positioning as the superbrand for older people in the UK. Anand Aithalwill join the Board as an Independent Non-Executive Director on 1 September 2022. Anand has extensive non-executive experience from fintech, insurance broking, asset management and accountancy. He also brings an entrepreneurial perspective, having co-founded his own data analytics business. Prior to this, he was a Managing Director at Goldman Sachs. Additionally, Anand is currently Lead Non-Executive Board Member for the UK Cabinet Office. Further to the announcement on 5 July 2022 of the creation of the new role of Chief Data Officer, Saga confirms that Michael O'Donohue has been appointed to the Executive team. He will be focused on realising the potential in the way Saga uses customer insight to enhance its commercial value. Michael joins from Camelot, the operator of the National Lottery, where he is currently Chief Data Officer. He has also held senior positions with Centrica and Tesco, having previously been a consultant with McKinsey and Company. Michael will join Saga on 3 October 2022.
공시 • Jul 05Saga Announces Directorate ChangesSaga announced five senior appointments as it reshapes its leadership to support delivery of the strategy to accelerate growth and position Saga as the superbrand for older people in the UK. The Board of Saga has appointed two new non-executive directors to widen the skill set as the business is reshaped towards a greater focus on marketing, content and distribution. Sir Peter Bazalgette, currently Chair of ITV plc and LoveCrafts and a non-executive director of Edge Performance VCT plc, will join the Board and become the Senior Independent Non-Executive Director (SID). Sir Peter, the Co-Chair of the Creative Industries Council, brings a wealth of experience from the media and wider creative industries, including with Endemol, the BBC, YouGov and Channel Four. Sir Peter will Chair the Nomination Committee. Gemma Godfrey, a founder of two digital businesses and a Non-Executive Director of Oberon Investments Group plc and Vivopower International plc, will join the Board as a Non-Executive Director. Gemma, who was a boardroom adviser to Arnold Schwarzenegger on The Apprentice USA and is a business and money expert on ITV's Good Morning Britain and Sky News, will also chair the separate Saga Personal Finance Limited Board, subject to the necessary regulatory approval. Both will join the Board on 1 September 2022, following which Saga will review the membership of Board committees. Orna NiChionna, the current SID, who has served on the Saga Board since May 2014, will step down from the Board on 30 September 2022. Her roles as Senior Independent Non-Executive Director and Chair of the Nomination Committee will move to Sir Peter at that time. Separately, Saga has appointed a Chief Data Officer, focused on bringing to life and enhancing the way it uses customer insight to drive commercial value. This individual, who currently leads the data functions at a major consumer-facing business, will join Saga in the autumn, with further details to be announced nearer the time.
Reported Earnings • Jun 02Full year 2022 earnings released: UK£0.20 loss per share (vs UK£0.67 loss in FY 2021)Full year 2022 results: UK£0.20 loss per share (up from UK£0.67 loss in FY 2021). Revenue: UK£377.5m (up 11% from FY 2021). Net loss: UK£28.0m (loss narrowed 59% from FY 2021). Combined ratio: 40.3% (up from 26.1% in FY 2021). Over the next year, revenue is forecast to grow 59%, compared to a 22% growth forecast for the insurance industry in Germany. Over the last 3 years on average, earnings per share has increased by 51% per year but the company’s share price has fallen by 26% per year, which means it is significantly lagging earnings.
공시 • May 31+ 1 more updateSaga plc to Report First Half, 2023 Results on Sep 27, 2022Saga plc announced that they will report first half, 2023 results on Sep 27, 2022
Recent Insider Transactions • Apr 02Non-Executive Chairman recently bought €58k worth of stockOn the 30th of March, Roger De Haan bought around 21k shares on-market at roughly €2.79 per share. This was the largest purchase by an insider in the last 3 months. Roger has been a buyer over the last 12 months, purchasing a net total of €1.2m worth in shares.
Breakeven Date Change • Jan 31Forecast breakeven date pushed back to 2023The 3 analysts covering Saga previously expected the company to break even in 2022. New consensus forecast suggests the company will make a profit of UK£69.4m in 2023. Average annual earnings growth of 61% is required to achieve expected profit on schedule.
Recent Insider Transactions • Nov 18Non-Executive Chairman recently bought €1.2m worth of stockOn the 16th of November, Roger De Haan bought around 341k shares on-market at roughly €3.47 per share. This was the largest purchase by an insider in the last 3 months. This was Roger's only on-market trade for the last 12 months.
Reported Earnings • Sep 24First half 2022 earnings released: UK£0.022 loss per share (vs UK£0.70 loss in 1H 2021)The company reported a decent first half result with reduced losses and improved control over expenses, although revenues were weaker. First half 2022 results: Revenue: UK£156.8m (down 19% from 1H 2021). Net loss: UK£3.10m (loss narrowed 95% from 1H 2021). Over the last 3 years on average, earnings per share has fallen by 5% per year but the company’s share price has fallen by 43% per year, which means it is performing significantly worse than earnings.
Breakeven Date Change • Sep 23Forecast to breakeven in 2022The 3 analysts covering Saga expect the company to break even for the first time. New consensus forecast suggests the company will make a profit of UK£19.4m in 2022. Earnings growth of 77% is required to achieve expected profit on schedule.
Reported Earnings • May 16Full year 2021 earnings released: UK£0.67 loss per share (vs UK£4.19 loss in FY 2020)The company reported a decent full year result with reduced losses and improved control over expenses, although revenues were weaker. Full year 2021 results: Revenue: UK£340.0m (down 57% from FY 2020). Net loss: UK£67.8m (loss narrowed 78% from FY 2020). Combined ratio: 26.1% (down from 47.0% in FY 2020). Over the last 3 years on average, the company's share price growth rate has exceeded its earnings growth rate by 26 percentage points per year, which is a significant difference in performance.
Recent Insider Transactions • May 08Group CEO recently bought €229k worth of stockOn the 5th of May, Euan Sutherland bought around 51k shares on-market at roughly €4.48 per share. This was the largest purchase by an insider in the last 3 months. Euan has been a buyer over the last 12 months, purchasing a net total of €248k worth in shares.
Reported Earnings • Apr 09Full year 2021 earnings released: UK£0.67 loss per share (vs UK£4.19 loss in FY 2020)The company reported a decent full year result with reduced losses and improved control over expenses, although revenues were weaker. Full year 2021 results: Revenue: UK£338.3m (down 58% from FY 2020). Net loss: UK£67.8m (loss narrowed 78% from FY 2020). Over the last 3 years on average, the company's share price growth rate has exceeded its earnings growth rate by 25 percentage points per year, which is a significant difference in performance.
공시 • Mar 06Saga plc to Report Q4, 2021 Results on Apr 07, 2021Saga plc announced that they will report Q4, 2021 results on Apr 07, 2021
Is New 90 Day High Low • Feb 23New 90-day high: €4.03The company is up 22% from its price of €3.30 on 25 November 2020. The German market is up 9.0% over the last 90 days, indicating the company outperformed over that time. It also outperformed the Insurance industry, which is down 1.0% over the same period.
공시 • Jan 28+ 4 more updatesSaga plc(LSE:SAGA) dropped from FTSE 350 Index (GBP)Saga plc(LSE:SAGA) dropped from FTSE 350 Index (GBP)
Is New 90 Day High Low • Jan 23New 90-day high: €3.40The company is up 100% from its price of €1.70 on 23 October 2020. The German market is up 12% over the last 90 days, indicating the company outperformed over that time. It also outperformed the Insurance industry, which is up 14% over the same period.
공시 • Jan 05Saga plc Announces Directorate ChangeSaga plc announced that Cheryl Agius has informed the Board of her intention to step down from her role as Chief Executive Officer of Saga Insurance and as an Executive Director of Saga plc with immediate effect for personal reasons. Euan Sutherland, Group CEO of Saga plc, assumes the responsibilities of Interim CEO of Saga Insurance until a suitable replacement is appointed, supported by the Executive Leadership Team and the senior management of the Insurance business. The search for a successor has commenced and this process is expected to take several months to complete.
공시 • Dec 06Saga plc Announces Directorate Changes with Effect from 31 December 2020Saga plc confirmed that Gareth Williams, Non-Executive Director and member of the Audit, Nomination, Remuneration and Risk Committees, will step down from the Board on 31 December 2020. Effective from the same date, the company announced that Julie Hopes will become Chair of the Risk Committee and a member of the Audit Committee.
Recent Insider Transactions • Oct 09Insider recently bought €43m worth of stockOn the 5th of October, Roger De Haan bought around 328m shares on-market at roughly €0.13 per share. This was the largest purchase by an insider in the last 3 months. Insiders have collectively bought €44m more in shares than they have sold in the last 12 months.
공시 • Sep 10Saga plc to Report First Half, 2021 Results on Sep 10, 2020Saga plc announced that they will report first half, 2021 results on Sep 10, 2020