Saga plc

DB:65J Stock Report

Market Cap: €934.4m

Saga Past Earnings Performance

Past criteria checks 2/6

Saga's earnings have been declining at an average annual rate of -1.5%, while the Insurance industry saw earnings growing at 11.5% annually. Revenues have been growing at an average rate of 12.5% per year. Saga's return on equity is 5.9%, and it has net margins of 0.6%.

Key information

-1.50%

Earnings growth rate

0.27%

EPS growth rate

Insurance Industry Growth5.90%
Revenue growth rate12.53%
Return on equity5.88%
Net Margin0.62%
Last Earnings Update31 Jan 2026

Recent past performance updates

Recent updates

Revenue & Expenses Breakdown

How Saga makes and spends money. Based on latest reported earnings, on an LTM basis.


Earnings and Revenue History

DB:65J Revenue, expenses and earnings (GBP Millions)
DateRevenueEarningsG+A ExpensesR&D Expenses
31 Jan 2666642550
31 Jul 25621-572370
30 Apr 25608-1182270
31 Jan 25594-1792160
31 Jul 24520-1532240
30 Apr 24546-1302220
31 Jan 24571-1082200
31 Oct 23727-951970
31 Jul 23699-781990
30 Apr 23679-1751880
31 Jan 23659-2731780
31 Oct 22597-2821870
31 Jul 22535-2911960
30 Apr 22456-1602020
31 Jan 22378-282070
31 Oct 21340-211820
31 Jul 21303-141560
30 Apr 21321-411750
31 Jan 21340-681940
31 Oct 20467-2422130
31 Jul 20594-4162330
30 Apr 20696-3642310
31 Jan 20799-3132290
31 Oct 19803-2592300
31 Jul 19807-2052310
30 Apr 19825-1832280
31 Jan 19843-1622250
31 Jul 188641502230
30 Apr 188671482260
31 Jan 188691472280
31 Jul 178821552280
30 Apr 178851562270
31 Jan 178881572250
31 Oct 169111562220
31 Jul 169341552190
30 Apr 169541512110
31 Jan 169741482020
31 Oct 159651431710
31 Jul 159551371400

Quality Earnings: 65J has a large one-off loss of £1.2M impacting its last 12 months of financial results to 31st January, 2026.

Growing Profit Margin: 65J became profitable in the past.


Free Cash Flow vs Earnings Analysis


Past Earnings Growth Analysis

Earnings Trend: 65J has become profitable over the past 5 years, growing earnings by -1.5% per year.

Accelerating Growth: 65J has become profitable in the last year, making the earnings growth rate difficult to compare to its 5-year average.

Earnings vs Industry: 65J has become profitable in the last year, making it difficult to compare its past year earnings growth to the Insurance industry (32.1%).


Return on Equity

High ROE: 65J's Return on Equity (5.9%) is considered low.


Return on Assets


Return on Capital Employed


Discover strong past performing companies

Company Analysis and Financial Data Status

DataLast Updated (UTC time)
Company Analysis2026/05/25 05:32
End of Day Share Price 2026/05/22 00:00
Earnings2026/01/31
Annual Earnings2026/01/31

Data Sources

The data used in our company analysis is from S&P Global Market Intelligence LLC. The following data is used in our analysis model to generate this report. Data is normalised which can introduce a delay from the source being available.

PackageDataTimeframeExample US Source *
Company Financials10 years
  • Income statement
  • Cash flow statement
  • Balance sheet
Analyst Consensus Estimates+3 years
  • Forecast financials
  • Analyst price targets
Market Prices30 years
  • Stock prices
  • Dividends, Splits and Actions
Ownership10 years
  • Top shareholders
  • Insider trading
Management10 years
  • Leadership team
  • Board of directors
Key Developments10 years
  • Company announcements

* Example for US securities, for non-US equivalent regulatory forms and sources are used.

Unless specified all financial data is based on a yearly period but updated quarterly. This is known as Trailing Twelve Month (TTM) or Last Twelve Month (LTM) Data. Learn more.

Analysis Model and Snowflake

Details of the analysis model used to generate this report is available on our Github page, we also have guides on how to use our reports and tutorials on Youtube.

Learn about the world class team who designed and built the Simply Wall St analysis model.

Industry and Sector Metrics

Our industry and section metrics are calculated every 6 hours by Simply Wall St, details of our process are available on Github.

Analyst Sources

Saga plc is covered by 10 analysts. 3 of those analysts submitted the estimates of revenue or earnings used as inputs to our report. Analysts submissions are updated throughout the day.

AnalystInstitution
Thomas SeidlBernstein
Benjamin CohenCanaccord Genuity
Timothy BarrettDeutsche Bank