Reported Earnings • May 28
Full 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 7.9% growth forecast for the Insurance industry in the United Kingdom. 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 72% per year, which means it is tracking significantly ahead of earnings growth. Announcement • May 27
Saga plc, Annual General Meeting, Jun 30, 2026 Saga plc, Annual General Meeting, Jun 30, 2026. Location: the office of herbert smith freehills kramer, exchange house, primrose street, ec2a 2eg, london United Kingdom Announcement • May 26
Saga plc to Report First Half, 2027 Results on Sep 30, 2026 Saga plc announced that they will report first half, 2027 results on Sep 30, 2026 Announcement • Mar 23
Saga plc Announces Committee Changes In 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. Announcement • Feb 28
Julie Hopes Steps Down from Position of Non-Executive Director, Saga Plc, Effective from February 27, 2026 Saga 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. Announcement • Jan 20
Saga plc to Report Fiscal Year 2026 Results on Apr 15, 2026 Saga plc announced that they will report fiscal year 2026 results on Apr 15, 2026 Announcement • Jul 10
Saga plc Announces Committee Changes Saga 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. Announcement • Jun 24
Saga plc to Report First Half, 2026 Results on Sep 24, 2025 Saga plc announced that they will report first half, 2026 results on Sep 24, 2025 Announcement • May 20
Saga plc, Annual General Meeting, Jun 24, 2025 Saga plc, Annual General Meeting, Jun 24, 2025. Location: the office of numis securities limited, 45 gresham street, ec2v 7bf, london United Kingdom Announcement • Apr 09
Saga plc Announces Board and Committee Change, with Effect from 9 April 2025 The 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. Announcement • Feb 13
Saga plc Announces Executive Changes Saga 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. Announcement • Jan 30
Saga plc to Report Fiscal Year 2025 Results on Apr 09, 2025 Saga plc announced that they will report fiscal year 2025 results on Apr 09, 2025 Announcement • Oct 11
Saga plc to Report First Half, 2025 Results on Oct 11, 2024 Saga plc announced that they will report first half, 2025 results on Oct 11, 2024 New Risk • Apr 30
New minor risk - Shareholder dilution The 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 21
Full 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 7.7% growth forecast for the Insurance industry in the United Kingdom. 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 33% per year, which means it is performing significantly worse than earnings. New Risk • Apr 14
New minor risk - Financial data availability The 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 (7.4% average weekly change). Announcement • Jan 30
Saga plc Provides Earnings Guidance for the Year 2023/2024 Saga 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%. Announcement • Dec 22
Saga plc Announces Directorate Change The 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. New Risk • Oct 22
New minor risk - Share price stability The company's share price has been volatile over the past 3 months. It is more volatile than 75% of British stocks, typically moving 7.1% 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. Reported Earnings • Sep 28
First 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 14% per year, which means it is significantly lagging earnings. Reported Earnings • Apr 21
Full year 2023 earnings released: UK£1.86 loss per share (vs UK£0.20 loss in FY 2022) Full year 2023 results: UK£1.86 loss per share (further deteriorated from UK£0.20 loss in FY 2022). Revenue: UK£584.0m (up 55% from FY 2022). Net loss: UK£259.2m (loss widened UK£231.2m from FY 2022). Combined ratio: 79.5% (up from 40.3% in FY 2022). Revenue is forecast to grow 5.7% p.a. on average during the next 3 years, compared to a 42% growth forecast for the Insurance industry in the United Kingdom. Over the last 3 years on average, earnings per share has increased by 53% per year but the company’s share price has fallen by 19% per year, which means it is significantly lagging earnings. Announcement • Jan 24
Saga plc to Report Fiscal Year 2023 Results on Apr 04, 2023 Saga plc announced that they will report fiscal year 2023 results on Apr 04, 2023 Announcement • Jan 23
Saga in Discussions with Regard to a Possible Disposal of AICL Saga 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. Board Change • Nov 16
High number of new directors There 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 01
High number of new directors There 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 02
High number of new directors There 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 28
First 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 29% growth forecast for the Insurance industry in the United Kingdom. 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 49% per year, which means it is significantly lagging earnings. Reported Earnings • Jun 02
Full 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 138% growth forecast for the insurance industry in the United Kingdom. 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 29% per year, which means it is significantly lagging earnings. Breakeven Date Change • Jan 31
Forecast breakeven date pushed back to 2023 The 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 60% is required to achieve expected profit on schedule. Recent Insider Transactions • Nov 19
Non-Executive Chairman recently bought UK£1m worth of stock On the 16th of November, Roger De Haan bought around 341k shares on-market at roughly UK£2.93 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. Breakeven Date Change • Nov 19
Forecast to breakeven in 2022 The 4 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£9.08m in 2022. Earnings growth of 90% is required to achieve expected profit on schedule. Reported Earnings • May 16
Full 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. Reported Earnings • Apr 09
Full 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 26 percentage points per year, which is a significant difference in performance. Is New 90 Day High Low • Feb 25
New 90-day high: UK£3.76 The company is up 38% from its price of UK£2.73 on 26 November 2020. The British market is up 6.0% over the last 90 days, indicating the company outperformed over that time. It also outperformed the Insurance industry, which is up 7.0% over the same period. 
