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Saga plc (SAGA.L)

GBp545.00 +2.00 (+0.37%)
GB LSE Financial Services Insurance - Diversified
Address Enbrook Park CT20 3SE
Folkestone, GB
CEO Michael Robert Hazell
Website saga.co.uk
IPO 2014-05-23
ISIN GB00BMX64W89

Explore sections of this company profile

Also trades on London Stock Exchange · SAGA.L (GBp) Other OTC · SGPLF (USD)
Description

Saga plc is a United Kingdom-based company that delivers a broad spectrum of services, encompassing general insurance, holiday packages, cruises, and various personal finance offerings. Operating through its Insurance, Travel, and Other Businesses and Central Costs segments, the company caters to diverse needs. Its extensive insurance portfolio includes coverage for vehicles (cars, motorhomes, boats, caravans), homes (building, content, renter, landlord), health, travel, pets, and personal accident, alongside breakdown cover and holiday home policies. Beyond insurance, Saga organizes and operates comprehensive package tours and sea voyages. In the realm of personal finance, it provides expert advice on equity release and care funding, offers savings accounts, credit cards, and wealth management solutions, in addition to share dealing and ISA services. The company's wider activities also involve mailing house services, administering retirement benefit schemes, publishing the "Saga Magazine," and performing automotive repairs. Founded in 1950 and headquartered in Folkestone, the company adopted the name Saga plc in May 2014, having previously been known as Saga Limited.

Market Cap & Enterprise Value
Merger & Acquisition History

No mergers or acquisitions recorded for this company.

Technical Outlook
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Signal Summary Loading…
Indicator 1D1W2W3W1M
Each column is computed on that timeframe's candles (1D = daily, 1W ≈ weekly, 1M ≈ monthly), not on the same last day. ▲ bullish · ▼ bearish · — neutral. The Net row counts signals per column; hover any cell (or the indicator name) to see the exact rule behind it.
Day Score & sub-scores
Statistical fingerprint & regime detail
Conditional historical analysis
Customize analysis (advanced)
Indicative levels generated algorithmically. Not financial advice.
Risk Profile
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Price Chart
Averages
Trend
Price
Levels
Draw
GBp545.00 +2.00 (+0.37%)
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Volume Profile
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Liquidity & share structure
Average Volume
707.2K
Beta
2.02
Float Shares
83.18M
Free Float %
57.2%
Price Performance
1D5D1M3M6M YTD1Y3Y5Y10YMax
+2.30% +4.71% -1.87% +5.47% +114.87% +47.64% +299.72% +417.92% +48.28% -80.32% -77.13%
Rolling Volatility
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Drawdown
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Relative Strength
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Monthly Returns Heatmap
From To
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Annual Monthly Returns
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Daily Returns Distribution
vs.
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Revenue flow

Revenue by geography

Revenue by segment

From To

Revenue composition

From To

By product

By geography

Financial Statements

Income Statement

Balance Sheet

Cash Flow Statement

Key Metrics

Financial Ratios

Employees

Financial Growth (CAGR)

Market Data

Price Targets & DCF
Current price
545.00
DCF (Levered) 432.14 -20.7%

DCF figures are point estimates: small changes in growth or discount-rate assumptions move them materially. Read them as a reference, not a precise target.

Ratings Trend (MoM) 100% Bullish
Rating 2026-05 Change
Strong Buy 0 0
Buy 3 0
Hold 0 0
Sell 0 0
Strong Sell 0 0
Quality scores
Altman Z-Score
0.70
Distress
Piotroski F-Score
6 / 9
Average
MOAT Score
1 / 10
No MOAT
Composite Rating
C-
Overall Score
1 / 5
Low
DCF Score
4 / 5
High
ROE Score
1 / 5
Low
ROA Score
1 / 5
Low
D/E Score
1 / 5
Low
P/E Score
1 / 5
Low
P/Book Score
1 / 5
Low
Operational MOAT
✗ Below peers
  • ✓
    Revenue growth Insurance - Diversified: +15.2%
    +12.2% Q1'26: -16.9% (vs Q1'24)
  • ✓
    EPS growth Insurance - Diversified: +25.3%
    +108.0% ★ Q1'26: +84.6% (vs Q1'24)
  • ✓
    FCF margin FCF growth · Insurance - Diversified: +30.2%
    +9.1% Q1'26: +15.8% (vs Q1'24)
  • ✗
    EBIT margin Insurance - Diversified: +13.5%
    +9.9% Q1'26: +8.1% (vs Q1'24)
  • ✗
    ROIC Insurance - Diversified: +4.2%
    +14.1% ★ Q1'26: +23.2% (vs Q1'24)
  • ✗
    Share dilution Insurance - Diversified: +0.0%
    +4.7% Q1'26: +3.4% (vs Q1'24)
  • ✗
    Debt / EBITDA Net debt/EBITDA · Insurance - Diversified: -0.05×
    6.23× Q1'26: 3.40× (vs Q1'24)
Valuation Multiples From To
Price Forecast (3Y) From To
Model
Adjust
P/E
Theoretical Return — If Invested Today

* These projections are based on analyst consensus estimates and user-defined valuation multiples. This table is for informational purposes only and does not constitute a recommendation to buy or sell any security. Past performance is not indicative of future results.

DCF Interactive Model (UFCF)
Projection years:
Market assumptions
▶ WACC components (optional)
Ke (Cost of Equity) = Rf + β (2.02) × ERP
WACC = 57% × Ke + 43% × Kd (10.1%) × (1−t)

Modifying these values recalculates WACC automatically.

Business assumptions
—
Current price: 545.00
Enterprise Value: — Equity Value: — Terminal Value: — TV as % of EV: —

Base values reflect the latest available data for this company and market conditions.

Consensus Estimates
Metric Jan 2015
actual 		Jan 2016
actual 		Jan 2017
actual 		Jan 2018
actual 		Jan 2019
actual 		Jan 2020
actual 		Jan 2021
actual 		Jan 2022
actual 		Jan 2023
actual 		Jan 2024
actual 		Jan 2025
actual 		Jan 2026
3 Rev. Ana.
2 EPS Ana. 		Jan 2027
3 Rev. Ana.
2 EPS Ana. 		Jan 2028
3 Rev. Ana.
2 EPS Ana. 		Jan 2029
3 Rev. Ana.
2 EPS Ana. 		Jan 2030
1 Rev. Ana.
1 EPS Ana.
Revenue
900.50M
est: 1.05B (-14.0%)
974.20M
est: 979.18M (-0.5%)
887.60M
est: 963.14M (-7.8%)
869.30M
est: 949.82M (-8.5%)
843.20M
est: 725.65M (+16.2%)
797.30M
est: 773.45M (+3.1%)
337.60M
est: 330.04M (+2.3%)
377.20M
est: 354.46M (+6.4%)
581.10M
est: 543.00M (+7.0%)
564.60M
est: 811.70M (-30.4%)
588.30M
est: 687.49M (-14.4%)
677.27M
656.52M – 713.56M
-1.5% YoY
676.87M
660.87M – 695.42M
-0.1% YoY
712.43M
693.58M – 744.59M
+5.3% YoY
754.97M
753.68M – 756.25M
+6.0% YoY
865.90M
844.17M – 897.51M
+14.7% YoY
EBITDA
178.50M
est: -32.63M (+647.1%)
235.70M
est: -54.37M (+533.5%)
252.20M
est: 208.27M (+21.1%)
239.80M
est: 214.54M (+11.8%)
-71.20M
est: 202.30M (-135.2%)
-228.00M
est: 213.91M (-206.6%)
-2.00M
est: 95.93M (-102.1%)
46.80M
est: 125.61M (-62.7%)
-188.90M
est: 140.02M (-234.9%)
67.70M
est: 1.36M (+4,865.9%)
-40.50M
est: 1.15M (-3,607.5%)
1.14M
1.10M – 1.20M
-1.5% YoY
1.14M
1.11M – 1.17M
-0.1% YoY
1.20M
1.16M – 1.25M
+5.3% YoY
1.27M
1.27M – 1.27M
+6.0% YoY
1.45M
1.42M – 1.51M
+14.7% YoY
EBIT
136.30M
est: -164.57M (+182.8%)
198.20M
est: 95.77M (+107.0%)
211.10M
est: 177.71M (+18.8%)
201.20M
est: 178.26M (+12.9%)
-122.20M
est: 172.79M (-170.7%)
-280.20M
est: -124.80M (-124.5%)
-31.00M
est: -191.29M (+83.8%)
14.60M
est: -250.48M (+105.8%)
-230.50M
est: -279.20M (+17.4%)
-84.60M
est: -96.69M (+12.5%)
-109.70M
est: -81.90M (-33.9%)
-80.68M
-85.00M – -78.21M
+1.5% YoY
-80.63M
-82.84M – -78.73M
+0.1% YoY
-84.87M
-88.70M – -82.62M
-5.3% YoY
-89.94M
-90.09M – -89.78M
-6.0% YoY
-103.15M
-106.92M – -100.56M
-14.7% YoY
Net Income
-134.20M
est: 199.18M (-167.4%)
140.90M
est: -112.94M (+224.8%)
157.30M
est: 142.11M (+10.7%)
137.50M
est: 144.84M (-5.1%)
-162.20M
est: 133.15M (-221.8%)
-312.80M
est: -150.21M (-108.2%)
-67.80M
est: -198.85M (+65.9%)
-28.00M
est: -260.38M (+89.2%)
-259.20M
est: -63.90M (-305.6%)
-113.00M
est: -156.77M (+27.9%)
-164.90M
est: 43.64M (-477.8%)
51.93M
42.66M – 61.19M
+19.0% YoY
56.15M
53.16M – 59.15M
+8.1% YoY
65.90M
61.00M – 70.81M
+17.4% YoY
82.03M
81.38M – 86.05M
+24.5% YoY
95.76M
92.64M – 100.31M
+16.7% YoY
SGA
85.30M
est: 454.13M (-81.2%)
96.00M
est: 179.93M (-46.6%)
113.70M
est: 202.63M (-43.9%)
118.30M
est: 206.90M (-42.8%)
125.60M
est: 214.91M (-41.6%)
129.90M
est: 204.73M (-36.5%)
103.20M
est: 141.77M (-27.2%)
115.70M
est: 185.63M (-37.7%)
202.90M
est: 206.92M (-1.9%)
463.40M
est: 364.95M (+27.0%)
227.60M
est: 324.42M (-29.8%)
304.51M
295.18M – 320.83M
-6.1% YoY
304.33M
297.14M – 312.67M
-0.1% YoY
320.32M
311.84M – 334.78M
+5.3% YoY
339.45M
338.87M – 340.02M
+6.0% YoY
389.32M
379.55M – 403.54M
+14.7% YoY
EPS
-1.83
est: 1.42 (-229.1%)
2.00
est: 1.80 (+11.0%)
2.12
est: 1.89 (+12.5%)
1.97
est: 1.81 (+8.9%)
-2.17
est: 1.80 (-220.8%)
-3.82
est: 1.07 (-456.6%)
-0.67
est: -0.03 (-2,160.1%)
-0.20
est: -0.09 (-115.8%)
-1.86
est: 0.12 (-1,656.5%)
-0.81
est: -1.06 (+23.4%)
-1.17
est: 0.29 (-497.3%)
0.35
0.29 – 0.42
+17.2% YoY
0.38
0.36 – 0.40
+10.7% YoY
0.46
0.41 – 0.48
+19.9% YoY
0.57
0.55 – 0.58
+24.2% YoY
0.65
0.63 – 0.68
+14.4% YoY
Historical Ratings (3M)
Date Rating Overall DCF ROE ROA D/E P/E P/B
2026-05-29 C- 1/5 4/5 1/5 1/5 1/5 1/5 1/5
2026-05-28 C- 1/5 4/5 1/5 1/5 1/5 1/5 1/5
2026-05-27 C- 1/5 4/5 1/5 1/5 1/5 1/5 1/5
2026-05-26 C- 1/5 4/5 1/5 1/5 1/5 1/5 1/5
2026-05-22 C- 1/5 4/5 1/5 1/5 1/5 1/5 1/5
2026-05-21 C- 1/5 4/5 1/5 1/5 1/5 1/5 1/5
2026-05-20 C- 1/5 4/5 1/5 1/5 1/5 1/5 1/5
2026-05-19 C- 1/5 4/5 1/5 1/5 1/5 1/5 1/5
2026-05-18 C- 1/5 4/5 1/5 1/5 1/5 1/5 1/5
2026-05-15 C- 1/5 3/5 1/5 1/5 1/5 1/5 1/5
2026-05-14 C- 1/5 3/5 1/5 1/5 1/5 1/5 1/5
2026-05-13 C- 1/5 3/5 1/5 1/5 1/5 1/5 1/5
2026-05-12 C- 1/5 3/5 1/5 1/5 1/5 1/5 1/5
2026-05-11 C- 1/5 3/5 1/5 1/5 1/5 1/5 1/5
2026-05-08 C- 1/5 3/5 1/5 1/5 1/5 1/5 1/5
2026-05-07 C- 1/5 3/5 1/5 1/5 1/5 1/5 1/5
2026-05-06 C- 1/5 3/5 1/5 1/5 1/5 1/5 1/5
2026-05-05 C- 1/5 3/5 1/5 1/5 1/5 1/5 1/5
2026-05-01 C- 1/5 3/5 1/5 1/5 1/5 1/5 1/5
2026-04-30 C- 1/5 3/5 1/5 1/5 1/5 1/5 1/5
2026-04-29 C- 1/5 3/5 1/5 1/5 1/5 1/5 1/5
2026-04-28 C- 1/5 3/5 1/5 1/5 1/5 1/5 1/5
2026-04-27 C- 1/5 3/5 1/5 1/5 1/5 1/5 1/5
2026-04-24 C- 1/5 3/5 1/5 1/5 1/5 1/5 1/5
2026-04-23 C- 1/5 4/5 1/5 1/5 1/5 1/5 1/5
2026-04-22 C- 1/5 4/5 1/5 1/5 1/5 1/5 1/5
2026-04-21 C- 1/5 4/5 1/5 1/5 1/5 1/5 1/5
2026-04-20 C- 1/5 4/5 1/5 1/5 1/5 1/5 1/5
2026-04-17 C- 1/5 4/5 1/5 1/5 1/5 1/5 1/5
2026-04-16 D+ 1/5 1/5 1/5 1/5 1/5 1/5 1/5

Owner Earnings

Owner's Earnings (history) From To
Owner alignment
Owner's Earnings TTM
76.93M
OE per share TTM
0.57
Owner's Yield
9.18%
Maintenance CapEx ratio
—
Maint CapEx / Avg PPE
109.0%

Ownership Overview

Ownership breakdown

Ownership breakdown not available.

At a glance
Institutional holders
—
Total invested
—
Insider transactions (90d)
0
Beneficial owners (>5%)
0
Beneficial owners (>5%)

No beneficial ownership filings recorded.

Institutional Activity (13F)

Institutional ownership trend

Institutional history not available.

Top institutional holders

Top holders not available.

ETF Ownership

Top ETFs holding this stock Held by 33 ETFs in our universe
# ETF Weight Est. AUM exposure TER
1 Amundi Prime UK Mid & Small Cap UCITS ETF DR - GBP (D) PRUK.L 0.28% 1.21M 0.05%
2 Invesco FTSE 250 UCITS ETF S250.L 0.19% 67.2K 0.12%
3 Xtrackers FTSE 250 UCITS ETF 1D XMCX.L 0.18% 71.0K 0.15%
4 iShares FTSE 250 UCITS ETF MIDD.L 0.18% 1.55M 0.40%
5 HSBC FTSE 250 UCITS ETF HMCX.L 0.18% 121.1K 0.09%
6 Vanguard FTSE 250 UCITS ETF VMIG.MI 0.17% 4.50M 0.10%
7 Vanguard FTSE 250 UCITS ETF (GBP) Distributing VMID.DE 0.17% 4.50M 0.10%
8 iShares MSCI United Kingdom Small-Cap ETF EWUS 0.16% 66.3K 0.59%
9 iShares MSCI UK Small Cap UCITS ETF CUKS.L 0.16% 206.8K 0.58%
10 iShares Ageing Population UCITS ETF AGED.L 0.07% 604.7K 0.40%

Insider Activity

Insider Activity — Latest Quarter

No insider activity available.

Insider buys vs sells (history)

Insider history not available.

Recent insider transactions

No recent insider transactions.

Executive team

Top executives
EBIT / Employee
17.7K
Shares Outstanding
145.39M

Executive compensation

Executive compensation (annual)

Executive compensation not available.

CEO compensation breakdown

No CEO compensation history available.

Proxy statements

Proxy statements (DEF 14A)

No proxy statements available for this company yet.

Recent SEC filings

Recent SEC filings

No SEC filings available for this company yet.

Executive team

NameTitleCompensationGender
Michael Robert Hazell Group Chief Executive Officer & Director 2M male
Mark Watkins Group Chief Financial Officer & Director 966.7K male
Lynn Fournier Head of Internal Audit — —
Michael O'Donohue Chief Data Officer — male
Nigel Blanks Chief Executive Officer of Saga Travel Group — male
Roisin Mackenzie Chief People Officer — female
Sharnj Sandhu Interim Director of Investor Relations & Treasury — —
David Palmer Chief Information Officer — male
Victoria Haynes Group Company Secretary — female
Lloyd James East Chief Executive Officer of Saga Insurance — male
ESG Score History

No data available for this company.

Senate Trading Activity

No Senate trading activity found for this company.

House Trading Activity

No House trading activity found for this company.

Market share among peers
Peer comparison — filtered group (TTM)
Your opinion

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Dividend yield history

Dividend history

Earnings history

Earnings reports

Stock splits

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