Market Cap
UK£168.6m
Last Updated
2020/08/14 10:21 UTC
Data Sources
Company Financials +
Executive Summary
Saga plc provides general insurance, package and cruise holidays, and personal finance products and services in the United Kingdom.
Rewards
Risk Analysis
Snowflake Analysis
Fair value with moderate growth potential.
Share Price & News
How has Saga's share price performed over time and what events caused price changes?
Latest Share Price and Events
Stable Share Price: SAGA's share price has been volatile over the past 3 months.
Market Performance
7 Day Return
0.9%
SAGA
3.1%
GB Insurance
2.8%
GB Market
1 Year Return
-64.0%
SAGA
-7.7%
GB Insurance
-7.7%
GB Market
Return vs Industry: SAGA underperformed the UK Insurance industry which returned -7.7% over the past year.
Return vs Market: SAGA underperformed the UK Market which returned -7.7% over the past year.
Shareholder returns
| SAGA | Industry | Market | |
|---|---|---|---|
| 7 Day | 0.9% | 3.1% | 2.8% |
| 30 Day | -7.2% | 4.0% | 2.2% |
| 90 Day | 0.9% | 22.4% | 9.2% |
| 1 Year | -62.9%-64.0% | 1.5%-7.7% | -4.0%-7.7% |
| 3 Year | -91.3%-92.4% | -10.4%-26.6% | -3.4%-15.0% |
| 5 Year | -91.0%-92.7% | 12.4%-16.7% | 20.4%-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
What You Need To Know About Saga plc's (LON:SAGA) Investor Composition6 months ago | Simply Wall St
Looking For Steady Income For Your Dividend Portfolio? Is Saga plc (LON:SAGA) A Good Fit?8 months ago | Simply Wall St
Have Insiders Been Buying Saga plc (LON:SAGA) Shares This Year?Valuation
Is Saga undervalued compared to its fair value and its price relative to the market?
>50%
Undervalued compared to fair value
Share Price vs. Fair Value
Below Fair Value: SAGA (£0.15) is trading below our estimate of fair value (£0.5)
Significantly Below Fair Value: 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 GB 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
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 (0.3x) compared to the GB Insurance industry average (1.2x).
Next Steps
Future Growth
How is Saga forecast to perform in the next 1 to 3 years based on estimates from 4 analysts?
113.0%
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 years, which is considered above average market growth.
High Growth Earnings: SAGA's is expected to become profitable in the next 3 years.
Revenue vs Market: SAGA's revenue (3.1% per year) is forecast to grow slower than the UK market (5.6% per year).
High Growth Revenue: SAGA's revenue (3.1% 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 (10.9%).
Next Steps
Past Performance
How has Saga performed over the past 5 years?
-48.9%
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 48.9% 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 (5.3%).
Return on Equity
High ROE: SAGA has a negative Return on Equity (-53.18%), as it is currently unprofitable.
Next Steps
Financial Health
How is Saga's financial position?
Financial Position Analysis
Short Term Liabilities: SAGA's short term assets (£720.1M) do not cover its short term liabilities (£847.2M).
Long Term Liabilities: SAGA's short term assets (£720.1M) exceed its long term liabilities (£659.4M).
Debt to Equity History and Analysis
Debt Level: SAGA's debt to equity ratio (107.8%) is considered high.
Reducing Debt: SAGA's debt to equity ratio has increased from 70.5% to 107.8% over the past 5 years.
Debt Coverage: SAGA's debt is not well covered by operating cash flow (14.5%).
Interest Coverage: SAGA is unprofitable, therefore interest payments are not well covered by earnings.
Balance Sheet
Next Steps
Dividend
What is Saga current dividend yield, its reliability and sustainability?
8.66%
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.
Current Payout to Shareholders
Dividend Coverage: SAGA is not paying a notable dividend for the UK market.
Future Payout to Shareholders
Future Dividend Coverage: No need to calculate the sustainability of SAGA's dividend in 3 years as they are not forecast to pay a notable one for the UK market.
Next Steps
Management
How experienced are the management team and are they aligned to shareholders interests?
0.7yrs
Average management tenure
CEO
Euan Sutherland (51 yo)
0.58
Tenure
UK£838,394
Compensation
Mr. Euan Angus Sutherland has been Group Chief Executive Officer and Executive Director at Saga plc since January 6, 2020. He serves as the Chairman of B&Q plc. He has been an Independent Non-Executive Dir ...
CEO Compensation Analysis
Compensation vs Market: Euan's total compensation ($USD1.10M) is above average for companies of similar size in the UK market ($USD692.13K).
Compensation vs Earnings: Insufficient data to compare Euan's compensation with company performance.
Leadership Team
| Name | Position | Tenure | Compensation | Ownership |
|---|---|---|---|---|
| Group CEO & Director | 0.58yr | UK£838.39k | 0.023% £ 38.2k | |
| Group CFO & Executive Director | 1.58yrs | UK£741.49k | 0.013% £ 21.5k | |
| CEO of Insurance & Director | 0.58yr | UK£392.30k | 0.0085% £ 14.3k | |
| Director of Investor Relations | no data | no data | no data | |
| Chief Risk & Compliance Officer | no data | no data | no data | |
| Chief People Officer | 0.83yr | no data | no data | |
| Chief Risk Officer | no data | no data | no data | |
| Group Chief Customer Officer | 1.75yrs | no data | no data | |
| Head of Internal Audit | no data | no data | no data | |
| Chief Strategy Officer | 0.42yr | no data | no data | |
| Group Company Secretary | no data | no data | no data |
0.7yrs
Average Tenure
51yo
Average Age
Experienced Management: SAGA's management team is not considered experienced ( 0.7 years average tenure), which suggests a new team.
Board Members
| Name | Position | Tenure | Compensation | Ownership |
|---|---|---|---|---|
| Group CEO & Director | 0.58yr | UK£838.39k | 0.023% £ 38.2k | |
| Group CFO & Executive Director | 1.58yrs | UK£741.49k | 0.013% £ 21.5k | |
| CEO of Insurance & Director | 0.58yr | UK£392.30k | 0.0085% £ 14.3k | |
| Independent Non-Executive Director | 6.25yrs | UK£73.67k | 0.0039% £ 6.6k | |
| Independent Non Executive Chairman | 2.25yrs | UK£325.00k | 0.023% £ 39.1k | |
| Independent Non-Executive Director | 1.42yrs | UK£106.20k | 0.012% £ 20.3k | |
| Senior Independent Non Executive Director | 3.42yrs | UK£93.67k | 0.0026% £ 4.4k | |
| Independent Non-Executive Director | 1.58yrs | UK£63.67k | 0.0037% £ 6.2k | |
| Independent Non-Executive Director | 1.83yrs | UK£125.79k | 0.0038% £ 6.4k |
1.6yrs
Average Tenure
58yo
Average Age
Experienced Board: SAGA's board of directors are not considered experienced ( 1.6 years average tenure), which suggests a new board.
Ownership
Who are the major shareholders and have insiders been buying or selling?
Insider Trading Volume
Insider Buying: Insufficient data to determine if insiders have bought more shares than they have sold in the past 3 months.
Recent Insider Transactions
Ownership Breakdown
Dilution of Shares: Shareholders have not been meaningfully diluted in the past year.
Top Shareholders
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£168.608m
- 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 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 Busi ...
Company Analysis and Financial Data Status
| Data | Last Updated (UTC time) |
|---|---|
| Company Analysis | 2020/08/14 10:21 |
| End of Day Share Price | 2020/08/13 00:00 |
| Earnings | 2020/01/31 |
| Annual Earnings | 2020/01/31 |
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.