Market Cap
UK£551.2m
Last Updated
2019/10/19 21:22 UTC
Data Sources
Company Financials +
Executive Summary
Saga plc engages in insurance, travel, personal finance, healthcare, retirement villages, and media businesses in the United Kingdom.
Snowflake
Fundamentals
Reasonable growth potential and fair value.
Share Price & News
How has Saga's share price performed over time and what events caused price changes?
Latest Share Price and Events
Market Performance
7 Day Return
5.1%
SAGA
0.9%
GB Insurance
-0.4%
GB Market
1 Year Return
-62.4%
SAGA
2.7%
GB Insurance
2.9%
GB Market
Return vs Industry: SAGA underperformed the UK Insurance industry which returned 2.7% over the past year.
Return vs Market: SAGA underperformed the UK Market which returned 2.9% over the past year.
Shareholder returns
| SAGA | Industry | Market | |
|---|---|---|---|
| 7 Day | 5.1% | 0.9% | -0.4% |
| 30 Day | -6.8% | 2.7% | -1.4% |
| 90 Day | 4.3% | -6.1% | -2.1% |
| 1 Year | -60.6%-62.4% | 7.8%2.7% | 7.9%2.9% |
| 3 Year | -71.4%-75.6% | 23.5%6.2% | 18.0%3.6% |
| 5 Year | -59.1%-67.4% | 39.3%9.9% | 35.8%6.4% |
Price Volatility Vs. Market
How volatile is Saga's share price compared to the market and industry in the last 5 years?
Simply Wall St News
4 weeks ago | Simply Wall St
Is Saga plc's (LON:SAGA) CEO Overpaid Relative To Its Peers?2 months ago | Simply Wall St
Should You Buy Saga plc (LON:SAGA) For Its 9.8% Dividend?3 months ago | Simply Wall St
Investors Who Bought Saga (LON:SAGA) Shares Three Years Ago Are Now Down 80%Valuation
Is Saga undervalued compared to its fair value and its price relative to the market?
47.0%
Undervalued compared to fair value
Share Price vs. Fair Value
Undervalued: SAGA (£0.49) is trading below our estimate of fair value (£0.93)
Significantly Undervalued: SAGA is trading below fair value by more than 20%.
Price To Earnings Ratio
PE vs Industry: SAGA is unprofitable, so we can't compare its PE Ratio to the Insurance industry average.
PE vs Market: SAGA is unprofitable, so we can't compare its PE Ratio to the UK market.
Price to Earnings Growth Ratio
Low PEG Ratio: Insufficient data to calculate SAGA's PEG Ratio to determine if it is good value.
Price to Book Ratio
PB vs Industry: SAGA is good value based on its PB Ratio (0.6x) compared to the GB Insurance industry average (2x).
Next Steps
Future Growth
How is Saga forecast to perform in the next 1 to 3 years based on estimates from 5 analysts?
28.8%
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 (1.2%).
Earnings vs Market: SAGA is forecast to become profitable over the next 3 year, which is considered above average market growth.
High Growth Earnings: SAGA's loss is forecast to worsen by 0% next year.
Revenue vs Market: SAGA's revenue (6% per year) is forecast to grow faster than the UK market (3.9% per year).
High Growth Revenue: SAGA's revenue (6% per year) is forecast to grow slower than 20% per year.
Earnings per Share Growth Forecasts
Future Return on Equity
High Future ROE: SAGA's Return on Equity is forecast to be low in 3 years time (10%).
Next Steps
Past Performance
How has Saga performed over the past 5 years?
-32.9%
Historical annual earnings growth
Earnings and Revenue History
Past Earnings Growth Analysis
Earnings Trend: SAGA is unprofitable, and losses have increased over the past 5 years at a rate of -32.9% 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 (15.2%).
Return on Equity
High ROE: SAGA has a negative Return on Equity (-20.71%), as it is currently unprofitable.
Return on Assets
ROA vs Industry: SAGA is currently unprofitable, so its Return on Assets is negative.
Return on Capital Employed
ROCE Improving: SAGA is currently unprofitable, so its Return on Capital Employed is negative.
Next Steps
Financial Health
How is Saga's financial position? (This company is analysed differently as a bank or financial institution)
Financial Position Analysis
Debt to Equity History and Analysis
Balance Sheet
Inventory Level: SAGA has a low level of unsold assets or inventory.
Debt Coverage by Assets: SAGA's debt is covered by short term assets (assets are 1.240830x debt).
Financial Institutions Analysis
Asset Level: SAGA's level of assets compared to its equity is low.
Allowance for Bad Loans: Insufficient data to determine if SAGA has a sufficient allowance for bad loans.
Low Risk Liabilities: SAGA reports no customer deposits, loans are made up entirely of externally borrowed funds.
Loan Level: Insufficient data to determine if SAGA has an acceptable proportion of non-loan assets held.
Low Risk Deposits: SAGA has advanced significantly more loans than the customer deposits it holds.
Level of Bad Loans: Insufficient data to determine if SAGA has an appropriate level of bad loans.
Next Steps
Dividend
What is Saga's current dividend yield, its reliability and sustainability?
8.13%
Current Dividend Yield
Dividend Yield vs Market
Current dividend yield vs market & industry
Stability and Growth of Payments
Notable Dividend: SAGA's dividend (8.13%) is higher than the bottom 25% of dividend payers in the UK market (2.01%).
High Dividend: SAGA's dividend (8.13%) is in the top 25% of dividend payers in the UK market (5.36%)
Stable Dividend: SAGA has been paying a dividend for less than 10 years and during this time payments have been volatile.
Growing Dividend: SAGA has only been paying a dividend for 4 years, and since then payments have fallen.
Current Payout to Shareholders
Dividend Coverage: SAGA is paying a dividend but the company is unprofitable.
Future Payout to Shareholders
Future Dividend Coverage: SAGA's dividends in 3 years are forecast to be well covered by earnings (46.3% payout ratio).
Next Steps
Management
What is the CEO of Saga's salary, the management and board of directors tenure and is there insider trading?
1.8yrs
Average management tenure
CEO
Lance H. Batchelor (55yo)
5.5yrs
Tenure
UK£1,191,743
Compensation
Mr. Lance H. L. Batchelor has been the Group Chief Executive Officer at Saga Group Limited, Saga plc since March 2014. Mr. Batchelor joined Saga in March 2014. He served as the Chief Executive Officer at D ...
CEO Compensation Analysis
Compensation vs. Market: Lance H.'s total compensation ($USD1.53M) is about average for companies of similar size in the UK market ($USD1.18M).
Compensation vs Earnings: Lance H.'s compensation has increased whilst the company is unprofitable.
Management Age and Tenure
1.8yrs
Average Tenure
Experienced Management: SAGA's management team is not considered experienced ( 1.8 years average tenure), which suggests a new team.
Board Age and Tenure
1.4yrs
Average Tenure
59yo
Average Age
Experienced Board: SAGA's board of directors are not considered experienced ( 1.4 years average tenure), which suggests a new board.
Insider Trading
Insider Buying: SAGA insiders have bought more shares than they have sold in the past 3 months.
Recent Insider Transactions
| Entity | Individual |
| Role | Chief Executive Officer Group CEO & Director |
| Shares | 344 |
| Max Price | UK£0.44 |
| Entity | Individual |
| Role | Chief Executive Officer Group CEO & Director |
| Shares | 2,640 |
| Max Price | UK£0.57 |
| Entity | Individual |
| Role | Member of the Board of Directors Independent Non-Executive Director |
| Shares | 16,852 |
| Max Price | UK£0.59 |
| Entity | Individual |
| Role | Chairman of the Board Independent Chairman |
| Shares | 30,000 |
| Max Price | UK£0.57 |
| Entity | Individual |
| Role | Member of the Board of Directors Independent Non-Executive Director |
| Shares | 11,384 |
| Max Price | UK£0.57 |
| Entity | Individual |
| Role | Chairman of the Board Independent Chairman |
| Shares | 30,000 |
| Max Price | UK£1.10 |
Ownership Breakdown
Management Team
Lance H. Batchelor (55yo)
Group CEO & Director
- Tenure: 5.5yrs
- Compensation: UK£1.19m
Gary Duggan
Chief Executive of Insurance Broking
- Tenure: 1.8yrs
Robin Shaw
Chief Executive Officer of Travels
- Tenure: 1.8yrs
Vicki Haynes
Company Secretary
- Tenure: 0yrs
Andy Bulgin
Chief Risk Officer
- Tenure: 0yrs
Helen Webb
Chief Risk & Compliance Officer
- Tenure: 0yrs
Mark Watkins
Director of Investor Relations
- Tenure: 0yrs
Jane Storm
Chief People Officer
- Tenure: 0yrs
Stuart Beamish
Group Chief Customer Officer
- Tenure: 0.9yrs
James Quin (50yo)
Group CFO & Executive Director
- Tenure: 0.8yrs
- Compensation: UK£401.86k
Board Members
Gareth Williams (66yo)
Independent Non-Executive Director
- Tenure: 5.4yrs
- Compensation: UK£73.67k
Patrick Henry O'Sullivan (70yo)
Independent Chairman
- Tenure: 1.4yrs
- Compensation: UK£243.75k
Gareth Hoskin (59yo)
Independent Non-Executive Director
- Tenure: 0.6yrs
Orna Ni-Chionna (63yo)
Senior Independent Non Executive Director
- Tenure: 2.6yrs
- Compensation: UK£96.71k
Ray King (65yo)
Independent Non-Executive Director
- Tenure: 5.4yrs
- Compensation: UK£73.67k
Lance H. Batchelor (55yo)
Group CEO & Director
- Tenure: 5.5yrs
- Compensation: UK£1.19m
Eva Eisenschimmel (57yo)
Non-Executive Director
- Tenure: 0.8yrs
- Compensation: UK£5.31k
Julie Hopes (51yo)
Independent Non-Executive Director
- Tenure: 1yrs
- Compensation: UK£36.22k
James Quin (50yo)
Group CFO & Executive Director
- Tenure: 0.8yrs
- Compensation: UK£401.86k
Company Information
Saga plc's company bio, employee growth, exchange listings and data sources
Key Information
- Name: Saga plc
- Ticker: SAGA
- Exchange: LSE
- Founded: 1950
- Industry: Multi-line Insurance
- Sector: Insurance
- Market Cap: UK£551.248m
- Shares outstanding: 1.12b
- Website: https://www.saga.co.uk
Number of Employees
Location
- Saga plc
- Enbrook Park
- Sandgate
- Folkestone
- Kent
- CT20 3SE
- United Kingdom
Listings
| Ticker | Exchange | Primary Security | Security Type | Country | Currency | Listed on |
|---|---|---|---|---|---|---|
| SAGA | LSE (London Stock Exchange) | Yes | Ordinary Shares | GB | GBP | May 2014 |
| 2S8 | DB (Deutsche Boerse AG) | Yes | Ordinary Shares | DE | EUR | May 2014 |
| SAGAL | BATS-CHIXE (BATS 'Chi-X Europe') | Yes | Ordinary Shares | GB | GBP | May 2014 |
| SGPL.F | OTCPK (Pink Sheets LLC) | Yes | Ordinary Shares | US | USD | May 2014 |
Biography
Saga plc engages in insurance, travel, personal finance, healthcare, retirement villages, and media businesses in the United Kingdom. The company operates in three segments: Insurance, Travel, and Emerging ...
Company Analysis and Financial Data Status
| Data | Last Updated (UTC time) |
|---|---|
| Company Analysis | 2019/10/19 21:22 |
| End of Day Share Price | 2019/10/18 00:00 |
| Earnings | 2019/07/31 |
| Annual Earnings | 2019/01/31 |
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.