Saga
Saga plc engages in insurance, travel, personal finance, healthcare, retirement villages, and media businesses in the United Kingdom. The last earnings update was 17 days ago. More info.
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- Saga has significant price volatility in the past 3 months.
SAGA Share Price and Events
7 Day Returns
1 Year Returns
SAGA Shareholder Return
| 7 Day | 30 Day | 90 Day | 1 Year | 3 Year | 5 Year | |
|---|---|---|---|---|---|---|
| Saga (SAGA) | 0.6% | -48.6% | -46.5% | -55.5% | -72% | - |
| GB Insurance | 3.5% | 5.2% | 10.1% | -5% | 14.9% | 23.7% |
| GB Market | 0.6% | 1.9% | 6.9% | 1.1% | 15.6% | 6.2% |
1 Year Return vs Industry and Market
- SAGA underperformed the Insurance industry which returned -5% over the past year.
- SAGA underperformed the Market in United Kingdom of Great Britain and Northern Ireland which returned 1.1% over the past year.
Value
Is Saga undervalued based on future cash flows and its price relative to the stock market?
Value is all about what a company is worth versus what price it is
available for. If you went into a grocery store and all the bananas were on sale
at half price, they could be considered
undervalued.
INTRINSIC VALUE BASED ON FUTURE CASH FLOWS
Here we compare the current
share
price of
Saga
to its discounted cash flow analysis.value.The discounted cash flow value is simply looking at what the company is worth today, based on estimates of how much money it is expected to make in the future.
Below are the data sources, inputs and calculation used to determine the intrinsic value for Saga.
| Data Point | Source | Value |
|---|---|---|
| Valuation Model | Excess Returns Model | |
| Stable EPS |
Median Return on Equity from the past 5 years.
= Stable Book Value * Return on Equity = £1.05 * 12.7% |
£0.13 |
| Book Value of Equity per Share | Weighted future Book Value estimates from 3 analysts. | £1.05 |
| Discount Rate (Cost of Equity) | See below | 8.4% |
| Perpetual Growth Rate | 10-Year GB Government Bond Rate | 1.2% |
An important part of a discounted cash flow is the discount rate, below we explain how it has been calculated.
| Data Point | Calculation/ Source | Result |
|---|---|---|
| Risk-Free Rate | 10-Year GB Govt Bond Rate | 1.2% |
| Equity Risk Premium | S&P Global | 6.7% |
| Insurance Unlevered Beta | Simply Wall St/ S&P Global | 0.72 |
| Re-levered Beta | = Unlevered beta (1 + (1- tax rate) (Debt/Equity))
= 0.724 (1 + (1- 19%) (68.8%)) |
1.086 |
| Levered Beta | Levered Beta limited to 0.8 to 2.0 (practical range for a stable firm) |
1.09 |
| Discount Rate/ Cost of Equity |
= Cost of Equity = Risk Free Rate + (Levered Beta * Equity Risk Premium)
= 1.23% + (1.086 * 6.65%) |
8.45% |
Discounted Cash Flow Calculation for LSE:SAGA using Excess Returns Model Model
The calculations below outline how an intrinsic value for Saga is arrived at using the Excess Return Model. This approach is used for finance firms where free cash flow is difficult to estimate.
In the Excess Return Model the value of a firm can be written as the sum of capital invested currently in the firm and the present value of excess returns that the firm expects to make in the future.
The model is sensitive to the Return on Equity of the company versus the Cost of Equity, how these are calculated is detailed below the main calculation.
Note the calculations below are per share.
See our documentation to learn about this calculation.
| Calculation | Result | |
|---|---|---|
| Excess Returns |
= (Stable Return on equity – Cost of equity) (Book Value of
Equity per share)
= (12.7% – 8.45%) * £1.05) |
£0.04 |
| Terminal Value of Excess Returns |
= Excess Returns / (Cost of Equity -
Expected Growth Rate)
= £0.04 / (8.45% - 1.23%) |
£0.62 |
| Value of Equity |
= Book Value per share + Terminal Value of
Excess Returns
= £1.05 + £0.62 |
£1.67 |
| Calculation | Result | |
|---|---|---|
| Value per share (GBP) | From above. | £1.67 |
| Current discount | Discount to share price of
£0.58
= -1 x (£0.58 - £1.67) / £1.67 |
65.5% |
Learn more about our DCF calculations in Simply Wall St’s analysis model .
Current Discount
Current Discount Checks
- Saga's share price is below the future cash flow value, and at a moderate discount (> 20%).
- Saga's share price is below the future cash flow value, and at a substantial discount (> 40%).
PRICE RELATIVE TO MARKET
We can also value a company based on what the stock market is willing to pay for
it. This is similar to the price of fruit (e.g. Mangoes or Avocados) increasing
when they are out of season, or how much your home is worth.The amount the stock market is willing to pay for Saga's earnings, growth and assets is considered below, and whether this is a fair price.
Price based on past earnings
Are
Saga's earnings available for a low price, and how does
this compare to other companies in the same industry?
| Data Point | Source | Value |
|---|---|---|
| Earnings Per Share * | Company Filings (2019-01-31) in GBP | £-0.14 |
| LSE:SAGA Share Price ** | LSE (2019-04-18) in GBP | £0.58 |
| United Kingdom of Great Britain and Northern Ireland Insurance Industry PE Ratio | Median Figure of 19 Publicly-Listed Insurance Companies | 16.26x |
| United Kingdom of Great Britain and Northern Ireland Market PE Ratio | Median Figure of 797 Publicly-Listed Companies | 16.29x |
* Trailing twelve months (TTM) annual GAAP earnings per share excluding extraordinary items.
** Primary Listing of Saga.
| Calculation | Outcome | |
|---|---|---|
| PE Ratio | = LSE:SAGA Share Price ÷ EPS (both in GBP) = 0.58 ÷ -0.14 |
-3.98x |
Learn more about our ratios and growth rates in Simply Wall St’s analysis model >
- Saga is loss making, we can't compare its value to the GB Insurance industry average.
- Saga is loss making, we can't compare the value of its earnings to the United Kingdom of Great Britain and Northern Ireland market.
Price based on expected Growth
Does
Saga's expected growth come at a high price?
| Data Point | Source | Value |
|---|---|---|
| PE Ratio | See PE Ratio Section | -3.98x |
| Net Income Annual Growth Rate | See Future Growth Section. Line of Best Fit* through Consensus Estimate Earnings of 3 Analysts |
74.9%per year |
| United Kingdom of Great Britain and Northern Ireland Insurance Industry PEG Ratio | Median Figure of 16 Publicly-Listed Insurance Companies | 1.54x |
| United Kingdom of Great Britain and Northern Ireland Market PEG Ratio | Median Figure of 564 Publicly-Listed Companies | 1.48x |
*Line of best fit is calculated by linear regression .
Learn more about our ratios and growth rates in Simply Wall St’s analysis model >
- Unable to calculate PEG ratio for Saga, we can't assess if its growth is good value.
Price based on value of assets
What value do investors place on
Saga's
assets?
| Data Point | Source | Value |
|---|---|---|
| Book Value per Share | Company Filings (2019-01-31) in GBP | £0.86 |
| LSE:SAGA Share Price * | LSE (2019-04-18) in GBP | £0.58 |
| United Kingdom of Great Britain and Northern Ireland Insurance Industry PB Ratio | Median Figure of 24 Publicly-Listed Insurance Companies | 2.12x |
| United Kingdom of Great Britain and Northern Ireland Market PB Ratio | Median Figure of 1,367 Publicly-Listed Companies | 1.51x |
| Calculation | Outcome | |
|---|---|---|
| PB Ratio | = LSE:SAGA Share Price ÷ Book Value per Share (both in GBP) = 0.58 ÷ 0.86 |
0.67x |
* Primary Listing of Saga.
Learn more about our ratios and growth rates in Simply Wall St’s analysis model >
- Saga is good value based on assets compared to the GB Insurance industry average.
Value checks
We assess Saga's value by looking at:- Is the discounted cash flow value less than 20%, or 40% of the share price? (2 checks) ( Click here or on bar chart for details of DCF calculation. )
- Is the PE ratio less than the market average, and/ or less than the Insurance industry average (and greater than 0)? (2 checks)
- Is the PEG ratio within a reasonable range (0 to 1)? (1 check)
- Is the PB ratio less than the Insurance industry average (and greater than 0)? (1 check) Saga has a total score of 3/6, see the detailed checks below.
Note: We use GAAP Earnings per Share in all our calculations including PE and PEG Ratio.
Full details on the Value part of the Simply Wall St company analysis model.
Future Performance
How is Saga expected to perform in the next 1 to 3 years based on estimates from 3 analysts?
The future performance of a company is measured in the same way as past
performance, by looking at estimated
growth
and how much profit it is expected to make.Future estimates come from professional analysts. Just like forecasting the weather, they don’t always get it right!
Earnings growth vs Low Risk Savings
- Saga's earnings growth is expected to exceed the low risk savings rate of 1.2%.
Growth vs Market Checks
- Saga's earnings growth is expected to exceed the United Kingdom of Great Britain and Northern Ireland market average.
- Saga's revenue growth is positive but not above the United Kingdom of Great Britain and Northern Ireland market average.
Annual Growth Rates Comparison
| Data Point | Source | Value (per year) |
|---|---|---|
| LSE:SAGA Future Earnings Growth Rate | Line of Best Fit* through Consensus Estimate Earnings of 3 Analysts | 74.9% |
| LSE:SAGA Future Revenue Growth Rate | Line of Best Fit* through Consensus Estimate Revenue of 3 Analysts | 2.1% |
| United Kingdom of Great Britain and Northern Ireland Insurance Industry Earnings Growth Rate | Market Cap Weighted Average | 11.8% |
| United Kingdom of Great Britain and Northern Ireland Insurance Industry Revenue Growth Rate | Market Cap Weighted Average | 18.3% |
| United Kingdom of Great Britain and Northern Ireland Market Earnings Growth Rate | Market Cap Weighted Average | 11% |
| United Kingdom of Great Britain and Northern Ireland Market Revenue Growth Rate | Market Cap Weighted Average | 4.8% |
*Line of best fit is calculated by linear regression .
Industry and Market average data is calculated daily.
Learn more about our growth rate calculations in Simply Wall St’s analysis model.
Analysts growth expectations
| Data Point | Source | Value |
|---|---|---|
| Past Financials | Company Filings (2 months ago) | See Below |
| Future Estimates | Average of up to 3 Analyst Estimates (S&P Global) | See Below |
| Date (Data in GBP Millions) | Revenue | Cash Flow | Net Income * | Avg. No. Analysts |
|---|---|---|---|---|
| 2022-01-31 | 912 | 192 | 1 | |
| 2021-01-31 | 850 | 167 | 1 | |
| 2020-01-31 | 803 | 139 | 1 |
| Date (Data in GBP Millions) | Revenue | Cash Flow | Net Income * |
|---|---|---|---|
| 2019-01-31 | 843 | 138 | -162 |
| 2018-07-31 | 862 | 120 | 147 |
| 2018-04-30 | 866 | 128 | 146 |
| 2018-01-31 | 869 | 135 | 145 |
| 2017-07-31 | 882 | 144 | 155 |
| 2017-04-30 | 885 | 141 | 156 |
| 2017-01-31 | 888 | 139 | 157 |
| 2016-10-31 | 911 | 137 | 156 |
| 2016-07-31 | 934 | 136 | 155 |
| 2016-04-30 | 954 | 143 | 151 |
*GAAP earnings excluding extraordinary items.
Past and Future Earnings per Share
| Data Point | Source | Value |
|---|---|---|
| Past Financials | Company Filings (2 months ago) | See Below |
| Future Estimates | Average of up to 3 Analyst Estimates (S&P Global) | See Below |
All data from Saga Company Filings, last reported 2 months ago, and in Trailing twelve months (TTM) annual period rather than quarterly.
| Date (Data in GBP Millions) | EPS * | EPS High Estimate | EPS Low Estimate | Avg. No. Analysts |
|---|---|---|---|---|
| 2022-01-31 | 0.13 | 0.17 | 0.10 | 2.00 |
| 2021-01-31 | 0.12 | 0.15 | 0.08 | 2.00 |
| 2020-01-31 | 0.10 | 0.12 | 0.08 | 3.00 |
| Date (Data in GBP Millions) | EPS * |
|---|---|
| 2019-01-31 | -0.14 |
| 2018-07-31 | 0.13 |
| 2018-04-30 | 0.13 |
| 2018-01-31 | 0.13 |
| 2017-07-31 | 0.14 |
| 2017-04-30 | 0.14 |
| 2017-01-31 | 0.14 |
| 2016-10-31 | 0.14 |
| 2016-07-31 | 0.14 |
| 2016-04-30 | 0.14 |
*GAAP earnings excluding extraordinary items.
Future performance checks
We assess Saga's future performance by looking at:- Is the annual earnings growth rate expected to beat the low risk savings rate, plus a premium to keep pace with inflation?
- Is the annual earnings growth rate expected to beat the average growth rate in earnings of the United Kingdom of Great Britain and Northern Ireland market? (1 check)
- Is the annual revenue growth rate expected to beat the average growth rate in revenue of the United Kingdom of Great Britain and Northern Ireland market? (1 check)
- Is the annual earnings growth rate expected to be above 20%? (1 check)
- Is the annual revenue growth rate expected to be above 20%? (1 check)
- Is the Return on Equity in 3 years expected to be over 20%? (1 check)
Saga has a total score of 3/6, see the detailed checks below.
Note 1: We use GAAP Net Income Excluding Exceptional Items for our Earnings in all our calculations.
Full details on the Future part of the Simply Wall St company analysis model.
Past Performance
How has Saga performed over the past 5 years?
The past performance of a company can be measured by how much
growth
it has experienced and how much profit it makes relative to the funds and assets
it has available.
Past earnings growth
Past Earnings growth analysis
- Saga does not make a profit and their year on year earnings growth rate was negative over the past 5 years.
- Unable to compare Saga's 1-year earnings growth to the 5-year average as it is not currently profitable.
- Unable to compare Saga's 1-year growth to the GB Insurance industry average as it is not currently profitable.
Earnings and Revenue History
All data from Saga Company Filings, last reported 2 months ago, and in Trailing twelve months (TTM) annual period rather than quarterly.
| Date (Data in GBP Millions) | Revenue | Net Income * | G+A Expenses | R&D Expenses |
|---|---|---|---|---|
| 2019-01-31 | 843.20 | -162.00 | 246.20 | |
| 2018-07-31 | 862.30 | 147.40 | 219.10 | |
| 2018-04-30 | 865.65 | 146.25 | 222.25 | |
| 2018-01-31 | 869.00 | 145.10 | 225.40 | |
| 2017-07-31 | 882.40 | 155.00 | 227.80 | |
| 2017-04-30 | 885.00 | 156.15 | 226.50 | |
| 2017-01-31 | 887.60 | 157.30 | 225.20 | |
| 2016-10-31 | 910.60 | 156.00 | 222.05 | |
| 2016-07-31 | 933.60 | 154.70 | 218.90 | |
| 2016-04-30 | 953.90 | 151.25 | 210.55 | |
| 2016-01-31 | 974.20 | 147.80 | 202.20 | |
| 2015-10-31 | 964.75 | 142.50 | 171.10 | |
| 2015-07-31 | 955.30 | 137.20 | 140.00 | |
| 2015-04-30 | 936.30 | 111.60 | 156.75 | |
| 2015-01-31 | 917.30 | 86.00 | 173.50 | |
| 2014-07-31 | 762.70 | 88.40 | 153.10 | |
| 2014-04-30 | 859.70 | 107.60 | 154.55 | |
| 2014-01-31 | 956.70 | 126.80 | 156.00 | |
| 2013-01-31 | 1,329.30 | 113.10 | 252.00 |
*GAAP earnings excluding extraordinary items.
Performance last year
We want to ensure a company is making the most of what it has available. This is
done by comparing the return (profit) to a company's available
funds,
assets
and
capital.
- It is difficult to establish if Saga has efficiently used shareholders’ funds last year (Return on Equity greater than 20%) as it is loss-making.
- It is difficult to establish if Saga has efficiently used its assets last year compared to the GB Insurance industry average (Return on Assets) as it is loss-making.
- It is difficult to establish if Saga improved its use of capital last year versus 3 years ago (Return on Capital Employed) as it is currently loss-making.
Past performance checks
We assess Saga's performance over the past 5 years by checking for:- Has earnings increased in past 5 years? (1 check)
- Has the earnings growth in the last year exceeded that of the Insurance industry? (1 check)
- Is the recent earnings growth over the last year higher than the average annual growth over the past 5 years? (1 check)
- Is the Return on Equity (ROE) higher than 20%? (1 check)
- Is the Return on Assets (ROA) above industry average? (1 check)
- Has the Return on Capital Employed (ROCE) increased from 3 years ago? (1 check)
Saga has a total score of 0/6, see the detailed checks below.
Note: We use GAAP Net Income excluding extraordinary items in all our calculations.
Full details on the Past part of the Simply Wall St company analysis model.
Health
How is Saga's financial health and their level of debt?
A company's financial position is much like your own financial position,
it includes everything you own
(assets)
and owe
(liabilities).The boxes below represent the relative size of what makes up Saga's finances.
The net worth of a company is the difference between its assets and liabilities.
- Saga is able to meet its short term (1 year) commitments with its holdings of cash and other short term assets.
- Saga's cash and other short term assets cover its long term commitments.
Balance sheet
Assets
Liabilities and shares
- Low level of unsold assets.
- Debt is covered by short term assets, assets are 1.8x debt.
Historical Debt
Nearly all companies have debt. Debt in itself isn’t
bad,
however if the debt is too high, or the company can’t afford to pay the interest
on its debts this may have impacts in the future.The graphic below shows equity (available funds) and debt, we ideally want to see the red area (debt) decreasing.
If there is any debt we look at the companies capability to repay it, and whether the level has increased over the past 5 years.
All data from Saga Company Filings, last reported 2 months ago.
| Date (Data in GBP Millions) | Total Equity | Total Debt | Cash & Short Term Investments |
|---|---|---|---|
| 2019-01-31 | 964.30 | 444.90 | 57.60 |
| 2018-07-31 | 1,268.10 | 454.90 | 29.30 |
| 2018-04-30 | 1,268.10 | 454.90 | 29.30 |
| 2018-01-31 | 1,223.50 | 455.80 | 36.30 |
| 2017-07-31 | 1,221.00 | 485.50 | 51.40 |
| 2017-04-30 | 1,221.00 | 485.50 | 51.40 |
| 2017-01-31 | 1,195.20 | 487.50 | 53.60 |
| 2016-10-31 | 1,195.20 | 487.50 | 53.60 |
| 2016-07-31 | 1,126.60 | 557.10 | 275.30 |
| 2016-04-30 | 1,126.60 | 557.10 | 275.30 |
| 2016-01-31 | 1,088.20 | 567.80 | 152.50 |
| 2015-10-31 | 1,088.20 | 567.80 | 152.50 |
| 2015-07-31 | 1,024.30 | 568.10 | 169.30 |
| 2015-04-30 | 1,024.30 | 568.10 | 169.30 |
| 2015-01-31 | 984.10 | 698.00 | 216.30 |
| 2014-07-31 | 1,163.10 | 693.20 | 172.20 |
| 2014-04-30 | 1,163.10 | 693.20 | 172.20 |
| 2014-01-31 | 1,119.80 | 1,790.30 | 218.10 |
| 2013-01-31 | 1,045.10 | 2,957.20 | 566.40 |
- Saga's level of debt (46.1%) compared to net worth is high (greater than 40%).
- The level of debt compared to net worth has been reduced over the past 5 years (158.7% vs 46.1% today).
- Debt is well covered by operating cash flow (31%, greater than 20% of total debt).
- Saga is making a loss, therefore interest payments are not well covered by earnings.
Financial health checks
We assess Saga's financial health by checking for:- Are short term assets greater than short term liabilities? (1 check)
- Are short term assets greater than long term liabilities? (1 check)
- Has the debt to equity ratio increased in the past 5 years? (1 check)
- Is the debt to equity ratio over 40%? (1 check)
- Is the debt covered by operating cash flow? (1 check)
- Are earnings greater than 5x the interest on debt (if company pays interest at all)? (1 check) Saga has a total score of 4/6, see the detailed checks below.
- Does cash and short term investments cover stable operating expenses (recurring G&A and R&D) for more than 3 years? (1 check)
- Does cash and short term investments cover growing operating expenses (recurring G&A and R&D) for more than 3 years? (1 check)
Full details on the Health part of the Simply Wall St company analysis model.
Dividends
What is Saga's current dividend yield, its reliability and sustainability?
Dividends are regular cash payments to you from the company, similar to a
bank paying you interest on a savings account.
Annual Dividend Income
If you bought
£2,000 of
Saga
shares you are expected to receive
£139
in your first year as a dividend.
Dividend Amount
- Saga's pays a higher dividend yield than the bottom 25% of dividend payers in United Kingdom of Great Britain and Northern Ireland (2.01%).
- Saga's dividend is above the markets top 25% of dividend payers in United Kingdom of Great Britain and Northern Ireland (5.19%).
Upcoming dividend payment
Purchase Saga before the 'Buy Limit' to receive their next dividend payment.
Annualized Historical and Future Dividends
It is important to see if the dividend for a company is stable, and not
wildly increasing/decreasing each year. This graph shows you the historical rate
to count toward your assessment of the stock.We also check to see if the dividend has increased in the past 10 years.
| Data Point | Source | Value |
|---|---|---|
| Past Annualized Dividend Yield | S&P Global Market Data | See Below |
| Past Dividends per Share | Company Filings/ Annualized Dividend Payments | See Below |
| Future Dividends per Share Estimates | Average of up to 3 Analyst Estimates (S&P Global) | See Below |
| United Kingdom of Great Britain and Northern Ireland Insurance Industry Average Dividend Yield | Market Cap Weighted Average of 21 Stocks | 4.5% |
| United Kingdom of Great Britain and Northern Ireland Market Average Dividend Yield | Market Cap Weighted Average of 706 Stocks | 4.2% |
| United Kingdom of Great Britain and Northern Ireland Minimum Threshold Dividend Yield | 10th Percentile | 1% |
| United Kingdom of Great Britain and Northern Ireland Bottom 25% Dividend Yield | 25th Percentile | 2% |
| United Kingdom of Great Britain and Northern Ireland Top 25% Dividend Yield | 75th Percentile | 5.2% |
Industry and Market average data is calculated daily.
Note all dividend per share amounts are annualized and not quarterly or other period.
| Date (Data in £) | Dividend per Share (annual) | Avg. No. Analysts |
|---|---|---|
| 2022-01-31 | 0.07 | 3.00 |
| 2021-01-31 | 0.06 | 3.00 |
| 2020-01-31 | 0.06 | 3.00 |
| Date (Data in £) | Dividend per share (annual) | Avg. Yield (%) |
|---|---|---|
| 2019-04-04 | 0.040 | 6.749 |
| 2018-09-27 | 0.090 | 7.920 |
| 2018-05-11 | 0.090 | 7.178 |
| 2018-04-12 | 0.090 | 6.826 |
| 2017-06-22 | 0.085 | 5.522 |
| 2016-09-23 | 0.077 | 3.885 |
| 2016-06-21 | 0.100 | 4.779 |
| 2015-09-30 | 0.044 | 2.204 |
| 2015-06-24 | 0.041 | 1.952 |
| 2015-04-30 | 0.060 | 2.881 |
| 2015-04-29 | 0.060 | 3.144 |
Learn more about our ratios and growth rates in Simply Wall St’s analysis model >
- Saga has been paying a dividend for less than 10 years and during this time payments have been volatile (annual drop of over 20%).
- Saga has only been paying a dividend for 4 years, and since then dividends per share have fallen.
Income/ dividend checks
We assess Saga's dividend by checking for:- Firstly is the company paying a notable dividend (greater than 1%) - if not then the rest of the checks are ignored.
- Is current dividend yield above the bottom 25% of dividend payers? (1 check)
- Is current dividend yield above the top 25% of dividend payers? (1 check)
- Have they paid a dividend for 10 years, and during this period has the dividend been volatile (drop of more than 25%)? (1 check)
- If they have paid a dividend for 10 years has it increased in this time? (1 check)
- How sustainable is the dividend, can Saga afford to pay it from its earnings today and in 3 years (Payout ratio less than 90%)? (2 checks) Saga has a total score of 3/6, see the detailed checks below.
Full details on the Dividends part of the Simply Wall St company analysis model.
Management
CEO
| COMPENSATION | £1,058,869 |
| AGE | 54 |
| TENURE AS CEO | 5.1 years |
CEO Bio
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 Domino's Pizza Group plc from December 12, 2011 to March 16, 2014 and served as its Deputy Chief Executive Officer from June 27, 2011 to December 12, 2011. Mr. Batchelor served as Marketing Director of UK at Tesco PLC since August 6, 2007. He served as Chief Executive Officer of Tesco Mobile Limited (alternate name, Tesco Telecom) from September 2008 to February 2011 and oversaw the development and commercial success across all parts of its business. He served as Global Director of Vodafone 'Live'. He also served as Marketing Director Vodafone U.K. From 2000 to 2002 he worked for Amazon.com, where he served as Chief Marketing Officer and general manager. He spent 8 years in senior marketing roles at Procter & Gamble, both in the UK and the USA. Mr. Batchelor started his career with The Royal Navy where he served as a Submarine Warfare Officer. He is also a Vice Patron of the Royal Navy & Royal Marines Charity. He has been a Director of Saga plc since April 2014. He is a Trustee of The National Gallery and White Ensign Association. He served as an Executive Director of Domino's Pizza Group plc (alternate name, Domino's Pizza UK & Ireland plc) from July 13, 2010 to March 16, 2014. He served as a Non-Executive Director of HiWave Technologies PLC since October 20, 2004. He completed his MBA at Harvard Business School.
CEO Compensation
- Lance H.'s compensation has been consistent with company performance over the past year.
- Lance H.'s remuneration is about average for companies of similar size in United Kingdom of Great Britain and Northern Ireland.
Management Team Tenure
Average tenure and age of the Saga management team in years:
- The average tenure for the Saga management team is less than 2 years, this suggests a new team.
Management Team
Lance H. Batchelor
Group CEO & Director
£1M
54
5.1 yrs
James Quin
Group CFO & Executive Director
49
0.3 yrs
Mark Watkins
Director of Investor Relations
Helen Webb
Chief Risk & Compliance Officer
Karen Caddick
Group Human Resources Director
49
4.3 yrs
Andy Bulgin
Chief Risk Officer
Stuart Beamish
Group Chief Customer Officer
0.4 yrs
Vicki Haynes
Company Secretary
Robin Shaw
Chief Executive Officer of Travels
1.3 yrs
Gary Duggan
Chief Executive of Insurance Broking
1.3 yrs
Board of Directors Tenure
Average tenure and age of the Saga board of directors in years:
- The average tenure for the Saga board of directors is less than 3 years, this suggests a new board.
Board of Directors
Patrick Henry O'Sullivan
Chairman
69
0.9 yrs
Lance H. Batchelor
Group CEO & Director
£1M
54
5.1 yrs
James Quin
Group CFO & Executive Director
49
0.3 yrs
Ray King
Independent Non-Executive Director
£73K
64
4.9 yrs
Orna Ni-Chionna
Senior Independent Non Executive Director
£96K
62
2.1 yrs
Gareth Williams
Independent Non-Executive Director
£73K
65
4.9 yrs
Julie Hopes
Independent Non-Executive Director
50
0.5 yrs
Eva Eisenschimmel
Non-Executive Director
56
0.3 yrs
Gareth Hoskin
Independent Non-Executive Director
58
0.1 yrs
Who owns this company?
Recent Insider Trading
- More shares have been bought than sold by Saga insiders in the past 3 months, but not in substantial volumes.
Recent Insider Transactions
| Announced | Type | Name | Entity | Role | Start | End | Shares | Max Price (£) | Value (£) | |
|---|---|---|---|---|---|---|---|---|---|---|
| 16. Apr 19 | Buy | Patrick Henry O'Sullivan | Individual | 12. Apr 19 | 12. Apr 19 | 30,000 | £0.57 | £17,100 | ||
| 16. Apr 19 | Buy | Gareth Williams | Individual | 12. Apr 19 | 12. Apr 19 | 11,384 | £0.57 | £6,443 | ||
| 27. Nov 18 | Buy | Patrick Henry O'Sullivan | Individual | 23. Nov 18 | 23. Nov 18 | 30,000 | £1.10 | £32,910 | ||
Management checks
We assess Saga's management by checking for:- Is the CEO's compensation unreasonable compared to market cap? (1 check)
- Has the CEO's compensation increased more than 20% whilst the EPS is down more then 20%? (1 check)
- Is the average tenure of the management team less than 2 years? (1 check)
- Is the average tenure of the board of directors team less than 3 years? (1 check) Saga has a total score of 0/6, this is not included on the snowflake, see the detailed checks below.
Note: We use the top 6 management executives and board members in our calculations.
Note 2: Insider trading include any internal stakeholders and these transactions .
Full details on the Management part of the Simply Wall St company analysis model.
News
Simply Wall St News
Should You Buy Saga plc (LON:SAGA) For Its Dividend?
A dividend paying company with growing earnings can be rewarding in the long term. … Yet sometimes, investors buy a stock for its dividend and lose money because the share price falls by more than they earned in dividend payments. … In this case, Saga likely looks attractive to dividend investors, given its 6.9% dividend yield and four-year payment history.
Simply Wall St - – Full articleThe Saga (LON:SAGA) Share Price Is Down 38% So Some Shareholders Are Getting Worried
While not a mind-blowing move, it is good to see that the Saga plc (LON:SAGA) share price has gained 11% in the last three months. … Truth be told the share price declined 38% in three years and that return, Dear Reader, falls short of what you could have got from passive investing with an index fund. … During the unfortunate three years of share price decline, Saga actually saw its earnings per share (EPS) improve by 2.1% per year.
Simply Wall St - – Full articleIs Saga plc's (LON:SAGA) P/E Ratio Really That Good?
This article is written for those who want to get better at using price to earnings ratios (P/E ratios). … Saga has a price to earnings ratio of 9.24, based on the last twelve months. … Price to Earnings Ratio = Price per Share ÷ Earnings per Share (EPS)
Simply Wall St - – Full articleHow Should Investors Feel About Saga plc's (LON:SAGA) CEO Pay?
This analysis aims first to contrast CEO compensation with other companies that have similar market capitalization. … View our latest analysis for Saga. … Batchelor's Compensation Compare With Similar Sized Companies?
Simply Wall St - – Full articleAn Examination Of Saga plc (LON:SAGA)
As an investor, I look for investments which does not compromise one fundamental factor for another. … By this I mean, I look at stocks holistically, from their financial health to their future outlook.
Simply Wall St - – Full articleShould Saga plc (LON:SAGA) Be Part Of Your Portfolio?
A large part of investment returns can be generated by dividend-paying stock given their role in compounding returns over time. … In the last few years Saga plc (LON:SAGA) has paid a dividend to shareholders. … 5 checks you should use to assess a dividend stock
Simply Wall St - – Full articleHave Insiders Been Buying Saga plc (LON:SAGA) Shares?
We've lost count of how many times insiders have accumulated shares in a company that goes on to improve markedly. … So shareholders might well want to know whether insiders have been buying or selling shares in Saga plc (LON:SAGA). … In the last twelve months there was more buying than selling by Saga insiders
Simply Wall St - – Full articleHow Good Is Saga plc (LON:SAGA), When It Comes To ROE?
This article is for those who would like to learn about Return On Equity (ROE). … That means that for every £1 worth of shareholders' equity, it generated £0.12 in profit. … Return on Equity = Net Profit ÷ Shareholders' Equity
Simply Wall St - – Full articleIs Saga plc's (LON:SAGA) PE Ratio A Signal To Buy For Investors?
and want to start learning about core concepts of fundamental analysis on practical examples from today's market. … I will break down what the P/E ratio is, how to interpret it and what to watch out for … Check out our latest analysis for Saga
Simply Wall St - – Full articleSaga plc (LON:SAGA) Will Pay UK£0.03 In Dividends
If you are interested in cashing in on Saga plc's (LON:SAGA) upcoming dividend of UK£0.03 per share, you only have 4 days left to buy the shares before its ex-dividend date, 18 October 2018, in time for dividends payable on the 23 November 2018. … Is this future income stream a compelling catalyst for dividend investors to think about the stock as an investment today? … 5 checks you should do on a dividend stock?
Simply Wall St - – Full articleCompany Info
Description
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 Businesses and Central Costs. It offers car, caravan, motorhome, breakdown cover, home, landlord, holiday home, home emergency, pet, travel, boat, health, personal accident, and life insurance, as well as accidental death benefit products. The company also operates and delivers package tours and cruise holiday products; and provides personal loans, equity release and care funding advice, financial planning, savings accounts, shares ISAs, share dealing nominee and certificated accounts, travel money, credit cards, and wealth management services. In addition, it offers domiciliary care, automotive vehicles repair, and mailing house services; operates retirement villages; and publishes Saga Magazine. The company was formerly known as Saga Limited and changed its name to Saga plc in May 2014. Saga plc was founded in 1950 and is headquartered in Folkestone, the United Kingdom.
Details
| Name: | Saga plc |
| SAGA | |
| Exchange: | LSE |
| Founded: | 1950 |
| £646,653,683 | |
| 1,121,688,956 | |
| Website: | http://www.saga.co.uk |
| Address: |
Saga plc Enbrook Park, Sandgate, Folkestone, Kent, CT20 3SE, United Kingdom |
Listings
| Exchange Symbol | Ticker Symbol | Security | Exchange | Country | Currency | Listed on | |
|---|---|---|---|---|---|---|---|
| LSE | SAGA | Ordinary Shares | London Stock Exchange | GB | GBP | 23. May 2014 | |
| OTCPK | SGPL.F | Ordinary Shares | Pink Sheets LLC | US | USD | 23. May 2014 | |
| DB | 2S8 | Ordinary Shares | Deutsche Boerse AG | DE | EUR | 23. May 2014 | |
| BATS-CHIXE | SAGAL | Ordinary Shares | BATS 'Chi-X Europe' | GB | GBP | 23. May 2014 |
Number of employees
Current staff
Industry
| Multi-line Insurance | |
| Insurance |
Company Analysis and Financial Data Status
| Area | Date (UTC time) |
|---|---|
| Company Analysis updated: | 2019/04/21 21:42 |
| End of day share price update: | 2019/04/18 00:00 |
| Last estimates confirmation: | 2019/04/08 |
| Last earnings filing: | 2019/04/04 |
| Last earnings reported: | 2019/01/31 |
| Last annual earnings reported: | 2019/01/31 |
All dates and times in UTC. All financial data provided by Standard & Poor’s Capital IQ.
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.
