Saga plc provides general insurance, package and cruise holidays, and personal finance products and services in the United Kingdom. More Details
High growth potential and overvalued.
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 is not significantly more volatile than the rest of UK stocks over the past 3 months, typically moving +/- 7% a week.
Volatility Over Time: SAGA's weekly volatility has decreased from 12% to 7% over the past year.
7 Day Return
1 Year Return
Return vs Industry: SAGA exceeded the UK Insurance industry which returned 23.1% over the past year.
Return vs Market: SAGA exceeded the UK Market which returned 16% over the past year.
Long-Term 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
1 week ago | Simply Wall StCould The Saga plc (LON:SAGA) Ownership Structure Tell Us Something Useful?
1 month ago | Simply Wall StSaga plc (LON:SAGA) Could Be Less Than A Year Away From Profitability
6 months ago | Simply Wall StSaga's (LON:SAGA) Stock Price Has Reduced 92% In The Past Five Years
Is Saga undervalued compared to its fair value and its price relative to the market?
Price to Book (PB) ratio
Share Price vs. Fair Value
Below Fair Value: Insufficient data to calculate SAGA's fair value to establish if it is undervalued.
Significantly Below Fair Value: Insufficient data to calculate SAGA's fair value to establish if it is undervalued.
Price To Earnings Ratio
PE vs Industry: SAGA is unprofitable, so we can't compare its PE Ratio to the UK 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 (0.9x) compared to the GB Insurance industry average (1.3x).
How is Saga forecast to perform in the next 1 to 3 years based on estimates from 3 analysts?
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's is expected to become profitable in the next 3 years.
Revenue vs Market: SAGA's revenue (27.2% per year) is forecast to grow faster than the UK market (5.3% per year).
High Growth Revenue: SAGA's revenue (27.2% per year) is forecast to grow faster 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 (11.4%).
How has Saga performed over the past 5 years?
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 57.5% 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 (-20.7%).
Return on Equity
High ROE: SAGA has a negative Return on Equity (-9.96%), as it is currently unprofitable.
How is Saga's financial position?
Financial Position Analysis
Short Term Liabilities: SAGA's short term assets (£719.8M) exceed its short term liabilities (£685.5M).
Long Term Liabilities: SAGA's short term assets (£719.8M) do not cover its long term liabilities (£846.5M).
Debt to Equity History and Analysis
Debt Level: SAGA's debt to equity ratio (120.3%) is considered high.
Reducing Debt: SAGA's debt to equity ratio has increased from 51.9% to 120.3% 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: SAGA has less than a year of cash runway based on its current free cash flow.
Forecast Cash Runway: SAGA has less than a year of cash runway if free cash flow continues to reduce at historical rates of 54.1% each year
What is Saga current dividend yield, its reliability and sustainability?
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.
How experienced are the management team and are they aligned to shareholders interests?
Average management tenure
Euan Sutherland (51 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 ($USD2.92M) is above average for companies of similar size in the UK market ($USD964.62K).
Compensation vs Earnings: Euan's compensation has increased whilst the company is unprofitable.
Experienced Management: SAGA's management team is not considered experienced ( 1.7 years average tenure), which suggests a new team.
Experienced Board: SAGA's board of directors are not considered experienced ( 2.4 years average tenure), which suggests a new board.
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 been substantially diluted in the past year, with total shares outstanding growing by 87.3%.
Saga plc's company bio, employee growth, exchange listings and data sources
- Name: Saga plc
- Ticker: SAGA
- Exchange: LSE
- Founded: 1950
- Industry: Multi-line Insurance
- Sector: Insurance
- Market Cap: UK£588.954m
- Shares outstanding: 140.09m
- Website: https://www.saga.co.uk
Number of Employees
- Saga plc
- Enbrook Park
- CT20 3SE
- United Kingdom
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||2021/06/20 19:44|
|End of Day Share Price||2021/06/18 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.