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Saga plc

Financial Services GB SAGA

524.75GBX
30.75(6.22%)

Last update at 2026-03-10T15:45:00Z

Day Range

496.50530.00
LowHigh

52 Week Range

102.20198.40
LowHigh

Fundamentals

  • Previous Close 494.00
  • Market Cap190.86M
  • Volume228685
  • P/E Ratio-
  • Dividend Yield-%
  • EBITDA79.60M
  • Revenue TTM624.30M
  • Revenue Per Share TTM4.47
  • Gross Profit TTM 275.90M
  • Diluted EPS TTM-0.45

Source: TradingView
The charts and visual representations are sourced from TradingView through embedded widgets. For any issues with chart display, please visit the TradingView website

Analyst Recommendations

Financials

Income Statement

Balance Sheet

Change in Cash

Total Operating Cash

Dividends Paid

Breakdown 2023-01-31 2022-01-31 2021-01-31 2020-01-31 2019-01-31
Type yearly yearly yearly yearly yearly
Date 2023-01-31 2022-01-31 2021-01-31 2020-01-31 2019-01-31
Income before tax -254.20000M -23.50000M -61.20000M -300.90000M -134.60000M
Minority interest - - - - -
Net income -259.20000M -28.00000M -67.80000M -312.80000M -162.00000M
Selling general administrative 216.90M 212.80M 224.20M 59.30M 61.10M
Selling and marketing expenses 53.50M 49.60M 41.40M 69.30M 65.30M
Gross profit 273.90M 233.90M 237.40M 371.40M 435.80M
Reconciled depreciation 311.50M 42.80M 87.40M 451.80M 354.70M
Ebit -212.10000M 10.20M -49.40000M -257.00000M -122.90000M
Ebitda 99.40M 53.00M 38.00M 194.80M 231.80M
Depreciation and amortization 311.50M 42.80M 87.40M 451.80M 354.70M
Non operating income net other - - - - -
Operating income -212.10000M 21.10M 34.50M 125.60M 189.50M
Other operating expenses 524.10M 356.10M 324.40M 671.70M 652.00M
Interest expense 42.20M 40.80M 30.20M 20.70M 11.70M
Tax provision 5.00M 4.50M 6.60M 11.90M 27.40M
Interest income 1.50M 4.40M 1.70M 5.70M 4.80M
Net interest income -40.70000M -40.80000M -28.50000M -14.90000M -6.90000M
Extraordinary items - - - - -
Non recurring - - - - -
Other items - - - - -
Income tax expense 5.00M 4.50M 6.60M 11.90M 27.40M
Total revenue 581.10M 377.20M 337.60M 797.30M 841.50M
Total operating expenses 216.90M 212.80M 224.20M 245.80M 246.30M
Cost of revenue 307.20M 143.30M 100.20M 425.90M 405.70M
Total other income expense net -254.20000M -23.50000M -61.20000M -300.90000M -324.10000M
Discontinued operations - - - - -
Net income from continuing ops -259.20000M -28.00000M -67.80000M -312.80000M -162.00000M
Net income applicable to common shares -259.20000M -28.00000M -67.80000M -312.80000M -162.20000M
Preferred stock and other adjustments - - - - -
Breakdown 2023-01-31 2022-01-31 2021-01-31 2020-01-31 2019-01-31
Type yearly yearly yearly yearly yearly
Date 2023-01-31 2022-01-31 2021-01-31 2020-01-31 2019-01-31
Total assets 1977.70M 2302.40M 2212.70M 2094.80M 2312.80M
Intangible assets 51.30M 47.10M 56.60M 57.10M 62.80M
Earning assets - - - - -
Other current assets 210.10M 210.10M 225.50M 242.80M 216.60M
Total liab 1608.20M 1649.50M 1532.00M 1506.60M 1338.10M
Total stockholder equity 369.50M 652.90M 680.70M 588.20M 964.30M
Deferred long term liab 2.50M 2.60M 2.90M 2.60M 4.50M
Other current liab 122.20M 170.30M 138.10M 213.40M 188.10M
Common stock 21.10M 21.10M 21.00M 11.20M 11.20M
Capital stock 21.10M 21.10M 21.00M 11.20M 11.20M
Retained earnings -293.50000M -22.40000M 0.20M 65.40M 404.80M
Other liab 21.60M 128.20M 27.30M 16.30M 31.60M
Good will 449.60M 718.60M 718.60M 778.40M 1175.00M
Other assets 273.00M 308.20M 39.60M 73.90M 88.70M
Cash 176.50M 226.90M 101.60M 97.90M 122.90M
Cash and equivalents - - - - -
Total current liabilities 324.30M 314.70M 258.80M 364.80M 372.30M
Current deferred revenue - -55.70000M -55.90000M 20.10M -
Net debt 715.10M 705.30M 721.40M 564.50M 322.00M
Short term debt 4.40M 0.40M 1.50M 9.50M 2.70M
Short long term debt 4.40M 0.40M 1.50M 9.50M 2.70M
Short long term debt total 891.60M 932.20M 823.00M 662.40M 444.90M
Other stockholder equity 272.40M 1.30M -21.20000M -76.60000M 672.70M
Property plant equipment 641.70M 682.50M 663.00M 450.70M 204.00M
Total current assets 530.60M 553.30M 435.80M 669.30M 693.00M
Long term investments - - - - -
Net tangible assets -131.40000M -112.80000M -94.50000M -247.30000M -276.90000M
Short term investments 62.80M 110.00M 105.20M 323.20M 349.50M
Net receivables 212.50M 173.80M 156.80M 155.00M 157.10M
Long term debt 854.60M 896.50M 816.20M 624.30M 439.20M
Inventory 7.00M 6.30M 3.50M 5.40M 4.00M
Accounts payable 197.70M 199.70M 175.10M 121.80M 150.80M
Total permanent equity - - - - -
Noncontrolling interest in consolidated entity - - - - -
Temporary equity redeemable noncontrolling interests - - - - -
Accumulated other comprehensive income - - - -176.20000M -124.40000M
Additional paid in capital - - - - -
Common stock total equity - - 21.00M 11.20M 11.20M
Preferred stock total equity - - - - -
Retained earnings total equity - - - - -
Treasury stock - - - - -
Accumulated amortization - - - - -
Non currrent assets other 131.60M 176.50M 176.80M 386.40M 478.70M
Deferred long term asset charges - - - - -
Non current assets total 1447.10M 1749.10M 1776.90M 1425.50M 1619.80M
Capital lease obligations 32.60M 35.30M 4.40M 28.60M 3.00M
Long term debt total - - - - -
Breakdown 2023-01-31 2022-01-31 2021-01-31 2020-01-31 2019-01-31
Type yearly yearly yearly yearly yearly
Date 2023-01-31 2022-01-31 2021-01-31 2020-01-31 2019-01-31
Investments 4.10M -18.90000M 41.90M 32.80M -36.90000M
Change to liabilities 0.00000M 0.00000M 0.00000M 0.00000M 0.00000M
Total cashflows from investing activities 4.10M -27.30000M -211.80000M -256.20000M -99.80000M
Net borrowings -54.20000M 76.40M 196.80M 179.80M -17.30000M
Total cash from financing activities -54.20000M 69.60M 318.00M 146.10M -107.90000M
Change to operating activities -65.70000M 29.30M -66.50000M -37.80000M -44.50000M
Net income -254.20000M -23.50000M -61.20000M -300.90000M -162.00000M
Change in cash -64.00000M 88.80M 27.80M -18.20000M -69.70000M
Begin period cash flow 255.70M 166.90M 139.10M 157.30M 227.00M
End period cash flow 191.70M 255.70M 166.90M 139.10M 157.30M
Total cash from operating activities -13.90000M 46.50M -78.40000M 91.90M 138.00M
Issuance of capital stock - 0.00000M 150.30M - 0.00000M
Depreciation 311.50M 42.80M 87.40M 451.80M 354.70M
Other cashflows from investing activities - - 73.30M 39.10M -36.80000M
Dividends paid - 0.10M 0.10M 25.80M 100.90M
Change to inventory - - - - -
Change to account receivables - - - - -
Sale purchase of stock - - -20.30000M - -
Other cashflows from financing activities -7.80000M 239.60M 318.10M 256.10M 56.00M
Change to netincome 268.00M 2.00M 26.90M 389.90M 304.00M
Capital expenditures 20.80M 18.90M 285.10M 295.30M 63.00M
Change receivables - - - - -
Cash flows other operating - - - - -
Exchange rate changes - - - - -
Cash and cash equivalents changes - - - - -
Change in working capital -78.50000M 28.30M -88.90000M -37.80000M -44.50000M
Stock based compensation 3.90M 3.40M 2.40M 2.10M 3.60M
Other non cash items 39.20M 40.20M 24.60M 20.50M -13.80000M
Free cash flow -34.70000M 27.60M -363.50000M -203.40000M 75.00M

Peer Comparison

Sector: Financial Services Industry: Insurance - Diversified

Company Change (GBX) Price (GBX) Trailing PE (x) Forward PE (x) Price Sales TTM (x) Price to Book Value (x) Enterprise Value to Revenue (x) Enterprise Value to EBITDA (x)
SAGA
Saga plc		 30.75 6.22% 524.75 - 4.62 0.32 0.70 1.38 10.51
AV
Aviva PLC		 17.00 2.78% 629.20 30.34 12.12 0.84 2.46 0.18

Reports Covered

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Profile

Saga plc provides package and cruise holidays, general insurance, and personal finance products and services in the United Kingdom. The company operates through three segments: Cruise and Travel, Insurance, and Other Businesses and Central Costs. It offers car, home, travel, health, landlord, motorhome, caravan, and pet insurance products. The company also operates and delivers ocean and river cruise holidays, as well as package tour and other holiday products; and provides equity release and care funding advice, savings accounts, wealth management, debt, administrative, and motor accident management services. In addition, it offers mailing house services; and publishes Saga Magazine, as well as repairs automotive vehicles. The company was formerly known as Saga Limited and changed its name to Saga plc in May 2014. The company was founded in 1950 and is headquartered in London, the United Kingdom.

Saga plc

Enbrook Park, Folkestone, United Kingdom, CT20 3SE

Key Executives

Name Title Year Born
Mr. Euan Angus Sutherland Group CEO, Interim CEO of Saga Insurance & Director 1969
Mr. James Barrington Quin Group CFO & Exec. Director 1969
Emily Roalfe Head of Investor Relations NA
Ms. Jane Storm Chief People Officer NA
Mr. Stuart Beamish Chief Customer Officer NA
Lynn Fournier Head of Internal Audit NA
Mr. Stephen Mitchell Kingshott Chief Exec. Officer of Insurance 1963
Ms. Paula Elizabeth Kerrigan Chief Strategy & Innovation Officer 1972
Mr. Michael O'Donohue Chief Data Officer NA
Victoria Haynes Group Company Sec. NA

Disclaimer - This information, including any data, is sourced from Unicorn Data Services SAS, trading as EOD Historical Data (“EODHD”) on an ‘as is’ basis, using their API. We cannot guarantee the completeness or validity of the information and data provided on this page, as well as via the API. In some cases, the data may include analyst ratings or recommendations sourced through the EODHD API, which are intended solely for general information purposes.
This information does not consider your personal objectives, financial situation, or needs. Kalkine is not liable for any errors or omissions in the information provided or for any actions taken in reliance on it. You should seek advice from a financial adviser, stockbroker or other professional adviser (including taxation and legal advice) as necessary before acting on this information.