SAGA Stock Overview
Saga plc provides general insurance, package and cruise holidays, and personal finance products and services in the United Kingdom.
No risks detected for SAGA from our risk checks.
Price History & Performance
|Historical stock prices|
|Current Share Price||UK£1.89|
|52 Week High||UK£4.62|
|52 Week Low||UK£1.82|
|1 Month Change||-10.63%|
|3 Month Change||-17.13%|
|1 Year Change||-56.96%|
|3 Year Change||-68.31%|
|5 Year Change||-93.98%|
|Change since IPO||-93.19%|
Recent News & Updates
|SAGA||GB Insurance||GB Market|
Return vs Industry: SAGA underperformed the UK Insurance industry which returned -24.1% over the past year.
Return vs Market: SAGA underperformed the UK Market which returned -10.4% over the past year.
|SAGA Average Weekly Movement||6.2%|
|Insurance Industry Average Movement||4.1%|
|Market Average Movement||5.5%|
|10% most volatile stocks in GB Market||10.8%|
|10% least volatile stocks in GB Market||2.8%|
Stable Share Price: SAGA is not significantly more volatile than the rest of UK stocks over the past 3 months, typically moving +/- 6% a week.
Volatility Over Time: SAGA's weekly volatility (6%) has been stable over the past year.
About the Company
Saga plc provides general insurance, package and cruise holidays, and personal finance products and services in the United Kingdom. The company operates in three segments: Insurance, Travel, and Other Businesses and Central Costs. It offers car, home, health, travel, landlord, boat, motorhome, caravan, pet, personal accident, breakdown cover, building, content, renter, holiday, and holiday home insurance.
Saga Fundamentals Summary
|SAGA fundamental statistics|
Is SAGA overvalued?See Fair Value and valuation analysis
Earnings & Revenue
|SAGA income statement (TTM)|
|Cost of Revenue||UK£143.30m|
Last Reported Earnings
Jan 31, 2022
Next Earnings Date
Sep 27, 2022
|Earnings per share (EPS)||-0.20|
|Net Profit Margin||-7.42%|
How did SAGA perform over the long term?See historical performance and comparison
Is SAGA undervalued compared to its fair value, analyst forecasts and its price relative to the market?
Valuation Score 2/6
Price-To-Book vs Peers
Price-To-Book vs Industry
Price-To-Book vs Fair Ratio
Below Fair Value
Significantly Below Fair Value
Key Valuation Metric
Which metric is best to use when looking at relative valuation for SAGA?
Other financial metrics that can be useful for relative valuation.
|What is SAGA's n/a Ratio?|
Price to Book Ratio vs Peers
How does SAGA's PB Ratio compare to its peers?
|SAGA PB Ratio vs Peers|
|Company||PB||Estimated Growth||Market Cap|
Price-To-Book vs Peers: SAGA is good value based on its Price-To-Book Ratio (0.4x) compared to the peer average (1.1x).
Price to Earnings Ratio vs Industry
How does SAGA's PE Ratio compare vs other companies in the U.K. Insurance Industry?
Price-To-Book vs Industry: SAGA is good value based on its Price-To-Book Ratio (0.4x) compared to the UK Insurance industry average (1x)
Price to Book Ratio vs Fair Ratio
What is SAGA's PB Ratio compared to its Fair PB Ratio? This is the expected PB Ratio taking into account the company's forecast earnings growth, profit margins and other risk factors.
|Current PB Ratio||0.4x|
|Fair PB Ratio||n/a|
Price-To-Book vs Fair Ratio: Insufficient data to calculate SAGA's Price-To-Book Fair Ratio for valuation analysis.
Share Price vs Fair Value
What is the Fair Price of SAGA when looking at its future cash flows? For this estimate we use a Discounted Cash Flow model.
Below Fair Value: Insufficient data to calculate SAGA's fair value for valuation analysis.
Significantly Below Fair Value: Insufficient data to calculate SAGA's fair value for valuation analysis.
Price to Earnings Growth Ratio
PEG Ratio: Insufficient data to calculate SAGA's PEG Ratio to determine if it is good value.
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How is Saga forecast to perform in the next 1 to 3 years based on estimates from 4 analysts?
Future Growth Score4/6
Future Growth Score 4/6
Earnings vs Savings Rate
Earnings vs Market
High Growth Earnings
Revenue vs Market
High Growth Revenue
Forecasted annual earnings growth
Earnings and Revenue Growth Forecasts
Analyst Future Growth Forecasts
Earnings vs Savings Rate: SAGA is forecast to become profitable over the next 3 years, which is considered faster growth than the savings rate (0.9%).
Earnings vs Market: SAGA is forecast to become profitable over the next 3 years, which is considered above average market growth.
High Growth Earnings: SAGA is expected to become profitable in the next 3 years.
Revenue vs Market: SAGA's revenue (15.1% per year) is forecast to grow faster than the UK market (4.1% per year).
High Growth Revenue: SAGA's revenue (15.1% per year) is forecast to grow slower than 20% per year.
Earnings per Share Growth Forecasts
Future Return on Equity
Future ROE: SAGA's Return on Equity is forecast to be low in 3 years time (9.2%).
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How has Saga performed over the past 5 years?
Past Performance Score0/6
Past Performance Score 0/6
Growing Profit Margin
Earnings vs Industry
Historical annual earnings growth
Earnings and Revenue History
Quality Earnings: SAGA is currently unprofitable.
Growing Profit Margin: SAGA is currently unprofitable.
Past Earnings Growth Analysis
Earnings Trend: SAGA is unprofitable, and losses have increased over the past 5 years at a rate of 37.7% per year.
Accelerating Growth: Unable to compare SAGA's earnings growth over the past year to its 5-year average as it is currently unprofitable
Earnings vs Industry: SAGA is unprofitable, making it difficult to compare its past year earnings growth to the Insurance industry (-10.8%).
Return on Equity
High ROE: SAGA has a negative Return on Equity (-4.29%), as it is currently unprofitable.
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How is Saga's financial position?
Financial Health Score2/6
Financial Health Score 2/6
Short Term Liabilities
Long Term Liabilities
Stable Cash Runway
Forecast Cash Runway
Financial Position Analysis
Short Term Liabilities: SAGA's short term assets (£525.2M) do not cover its short term liabilities (£714.3M).
Long Term Liabilities: SAGA's short term assets (£525.2M) do not cover its long term liabilities (£935.2M).
Debt to Equity History and Analysis
Debt Level: SAGA's net debt to equity ratio (107.8%) is considered high.
Reducing Debt: SAGA's debt to equity ratio has increased from 40.4% to 137.4% over the past 5 years.
Cash Runway Analysis
For companies that have on average been loss making in the past we assess whether they have at least 1 year of cash runway.
Stable Cash Runway: Whilst unprofitable SAGA has sufficient cash runway for more than 3 years if it maintains its current positive free cash flow level.
Forecast Cash Runway: SAGA is unprofitable but has sufficient cash runway for more than 3 years, even with free cash flow being positive and shrinking by 47.6% per year.
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What is Saga current dividend yield, its reliability and sustainability?
Dividend Score 0/6
Future Dividend Coverage
Forecast Dividend Yield
Dividend Yield vs Market
Notable Dividend: Unable to evaluate SAGA's dividend yield against the bottom 25% of dividend payers, as the company has not reported any recent payouts.
High Dividend: Unable to evaluate SAGA's dividend yield against the top 25% of dividend payers, as the company has not reported any recent payouts.
Stability and Growth of Payments
Stable Dividend: Insufficient data to determine if SAGA's dividends per share have been stable in the past.
Growing Dividend: Insufficient data to determine if SAGA's dividend payments have been increasing.
Earnings Payout to Shareholders
Earnings Coverage: SAGA is not paying a notable dividend for the UK market.
Cash Payout to Shareholders
Cash Flow Coverage: Unable to calculate sustainability of dividends as SAGA has not reported any payouts.
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How experienced are the management team and are they aligned to shareholders interests?
Average management tenure
Euan Sutherland (52 yo)
Mr. Euan Angus Sutherland serves as Interim Chief Executive Officer of Saga Insurance at Saga Plc since January 2021. He has been Group Chief Executive Officer and Executive Director at Saga plc since Janu...
CEO Compensation Analysis
Compensation vs Market: Euan's total compensation ($USD1.17M) is about average for companies of similar size in the UK market ($USD1.02M).
Compensation vs Earnings: Euan's compensation has been consistent with company performance over the past year.
Experienced Management: SAGA's management team is not considered experienced ( 1.9 years average tenure), which suggests a new team.
Experienced Board: SAGA's board of directors are considered experienced (3.4 years average tenure).
Who are the major shareholders and have insiders been buying or selling?
Insider Trading Volume
Insider Buying: SAGA insiders have bought more shares than they have sold in the past 3 months.
Recent Insider Transactions
Dilution of Shares: Shareholders have not been meaningfully diluted in the past year.
Saga plc's employee growth, exchange listings and data sources
- Name: Saga plc
- Ticker: SAGA
- Exchange: LSE
- Founded: 1950
- Industry: Multi-line Insurance
- Sector: Insurance
- Implied Market Cap: UK£265.362m
- Shares outstanding: 140.33m
- Website: https://www.saga.co.uk
Number of Employees
- Saga plc
- Enbrook Park
- CT20 3SE
- United Kingdom
Company Analysis and Financial Data Status
|Data||Last Updated (UTC time)|
|Company Analysis||2022/06/24 00:00|
|End of Day Share Price||2022/06/24 00:00|
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 here.