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Saga

LSE:SAGA · GB00BMX64W89
InsuranceMedium

360

9
EV / EBIT43
Price / Owner Earnings1
Owner Earnings Yield76
Dividend Yield1
Price/Sales47
EV / Gross Profit55
Price/Book7
Returns on capital17
Profit margins57
Cash Conversion100
Accruals97
Owner Earnings Margin10
Sales growth12
Profit Growth43
Long-Term EPS Growth92
Reinvestment86
Price momentum100
Debt load5
Debt serviceability19
Liquidity22
Analyst ratings100
Opinion Changes50
Price Target Upside72
Market mood29
Value Creation16/20strong value creator
  • Creates more value than its capital costs
  • Owner earnings growing
  • Owner earnings per share growing
  • Reinvests at strong returns
  • Solid earnings base

What this means

Saga generates returns well above its cost of capital, the foundation of durable shareholder value.

Profile

CountryUK
IndustryInsurance
SizeMedium
TypePublic Company
ExchangeLSE
Founded2013
Employees1,028
Websitecorporate.saga.co.uk
ISINGB00BMX64W89
Last UpdateApr 2, 2026
Indices
FTSE 250 (United Kingdom)FTSE 350 (United Kingdom)FTSE All Shares (United Kingdom)
Themes
Business TravelInsurtechOnline Analysis and ReferenceInsurance

Description

Saga plc provides package and cruise holidays, general insurance, and personal finance products and services. Business Segments The company operates through business segments: cruise and travel, insurance, money, publishing. Cruise and Travel Segm…

Analysis

Story stock

Saga plc is a story stock: the narrative is ambitious and the price reflects it, but the underlying numbers are weak.

The price is expensive. You pay 68.2× its owner earnings: the cash an owner could take out each year, which is in the historically expensive zone. At today's price, the market is assuming roughly 23% yearly growth; analysts expect 18%. The gap between price and consensus is worth watching: demanding expectations.

The trajectory is weak and the balance sheet is stretched. The company scores 16/20 on our value-creation score: strong value creator. Analysts lean positive.

What to watch: Some accounting patterns deserve a closer look. As always: this describes the company's numbers; it is not a recommendation.

360° rank · history

1007550250
25
2023202420252026

All-time high

57

Jan 2023

All-time low

19

Jan 2025

Average rank

32

across all years

Detailed & Historical Ranks

Deep dive into 15 detailed ranks and 3 years of history.

Current202520242023
Price/Sales
47
93
86
67
Price/Earnings
36
100
95
93
Price/Book
7
47
93
86
Dividend Yield
1
1
1
1
Value (overall)
9
61
75
69

Cells are coloured by rank band (red weak → green strong). Sentiment & 360° history begins 2023.

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Make Sense of the Ranks

Every rank runs 1–100 against true peers. Higher is always better.

360° View
1 · Watch OutGood· 100
Value
1 · ExpensiveGood Value· 100
Quality
1 · Weak FundamentalsHigh Quality· 100
Growth
1 · Tough TimesHigh Growth· 100
Safety
1 · High LeverageWell-Financed· 100
Sentiment
1 · SkepticismPositive· 100
Learn More →