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Saga plc

Financial Services GB SAGA

526.0GBX
-12.0(2.23%)

Last update at 2026-06-03T15:39:00Z

Day Range

520.00541.00
LowHigh

52 Week Range

129.79590.00
LowHigh

Fundamentals

  • Previous Close 538.00
  • Market Cap767.28M
  • Volume340480
  • P/E Ratio-
  • Dividend Yield-%
  • EBITDA86.50M
  • Revenue TTM621.20M
  • Revenue Per Share TTM4.40
  • Gross Profit TTM 300.70M
  • Diluted EPS TTM-0.4

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 2025-01-31 2024-01-31 2023-01-31 2022-01-31 2021-01-31
Type yearly yearly yearly yearly yearly
Date 2025-01-31 2024-01-31 2023-01-31 2022-01-31 2021-01-31
Income before tax -160.20000M -129.00000M -254.20000M -23.50000M -61.20000M
Minority interest - - - - -
Net income -164.90000M -113.00000M -259.20000M -28.00000M -67.80000M
Selling general administrative 227.60M 235.30M 216.90M 212.80M 224.20M
Selling and marketing expenses - 228.10M 53.50M 49.60M 41.40M
Gross profit 279.50M 262.60M 273.90M 233.90M 237.40M
Reconciled depreciation 206.60M 152.30M 311.50M 42.80M 87.40M
Ebit -109.70000M -84.60000M -212.10000M 10.20M -49.40000M
Ebitda -40.50000M 67.70M 99.40M 53.00M 38.00M
Depreciation and amortization 69.20M 152.30M 311.50M 42.80M 87.40M
Non operating income net other - - - - -
Operating income 45.90M -24.50000M -212.10000M 21.10M 34.50M
Other operating expenses 542.40M 541.80M 524.10M 356.10M 324.40M
Interest expense 50.50M 44.40M 42.20M 40.80M 30.20M
Tax provision 18.50M -16.00000M 5.00M 4.50M 6.60M
Interest income 6.10M 11.90M 1.50M 4.40M 1.70M
Net interest income -50.50000M -46.00000M -40.70000M -40.80000M -28.50000M
Extraordinary items - - - - -
Non recurring - - - - -
Other items - - - - -
Income tax expense 18.50M -16.00000M 5.00M 4.50M 6.60M
Total revenue 588.30M 564.60M 581.10M 377.20M 337.60M
Total operating expenses 233.60M 239.80M 216.90M 212.80M 224.20M
Cost of revenue 308.80M 302.00M 307.20M 143.30M 100.20M
Total other income expense net -206.10000M -104.50000M -254.20000M -23.50000M -61.20000M
Discontinued operations - - - - -
Net income from continuing ops -178.70000M -113.00000M -259.20000M -28.00000M -67.80000M
Net income applicable to common shares - - -259.20000M -28.00000M -67.80000M
Preferred stock and other adjustments - - - - -
Breakdown 2025-01-31 2024-01-31 2023-01-31 2022-01-31 2021-01-31
Type yearly yearly yearly yearly yearly
Date 2025-01-31 2024-01-31 2023-01-31 2022-01-31 2021-01-31
Total assets 1588.30M 1882.80M 1977.70M 2302.40M 2212.70M
Intangible assets 34.30M 60.70M 51.30M 47.10M 56.60M
Earning assets - - - - -
Other current assets 445.70M 212.20M 210.10M 210.10M 225.50M
Total liab 1530.60M 1659.30M 1608.20M 1649.50M 1532.00M
Total stockholder equity 57.70M 223.50M 369.50M 652.90M 680.70M
Deferred long term liab - - 2.50M 2.60M 2.90M
Other current liab 523.70M 211.00M 122.20M 170.30M 138.10M
Common stock 21.50M 21.30M 21.10M 21.10M 21.00M
Capital stock 21.50M 21.30M 21.10M 21.10M 21.00M
Retained earnings -620.20000M -452.50000M -293.50000M -22.40000M 0.20M
Other liab - - 21.60M 128.20M 27.30M
Good will 206.40M 344.70M 449.60M 718.60M 718.60M
Other assets - 173.20M 273.00M 308.20M 39.60M
Cash 129.20M 188.70M 176.50M 226.90M 101.60M
Cash and equivalents - - - - -
Total current liabilities 780.60M 363.00M 324.30M 314.70M 258.80M
Current deferred revenue - 156.10M - -55.70000M -55.90000M
Net debt 560.70M 635.70M 715.10M 705.30M 721.40M
Short term debt 1.60M 1.90M 4.40M 0.40M 1.50M
Short long term debt 1.60M 1.90M 4.40M 0.40M 1.50M
Short long term debt total 689.90M 824.40M 891.60M 932.20M 823.00M
Other stockholder equity 656.40M 647.10M 272.40M 1.30M -21.20000M
Property plant equipment - - 641.70M 682.50M 663.00M
Total current assets 739.70M 458.70M 530.60M 553.30M 435.80M
Long term investments - - - - -
Net tangible assets - - -131.40000M -112.80000M -94.50000M
Short term investments 12.40M 74.10M 62.80M 110.00M 105.20M
Net receivables 144.10M -24.40000M 212.50M 173.80M 156.80M
Long term debt 662.20M 796.20M 854.60M 896.50M 816.20M
Inventory 8.30M 8.10M 7.00M 6.30M 3.50M
Accounts payable 255.30M 139.30M 197.70M 199.70M 175.10M
Total permanent equity - - - - -
Noncontrolling interest in consolidated entity - - - - -
Temporary equity redeemable noncontrolling interests - - - - -
Accumulated other comprehensive income - 7.60M - - -
Additional paid in capital - - - - -
Common stock total equity - - - - 21.00M
Preferred stock total equity - - - - -
Retained earnings total equity - - - - -
Treasury stock - - - - -
Accumulated amortization - - - - -
Non currrent assets other 12.40M 74.10M 131.60M 176.50M 176.80M
Deferred long term asset charges - - - - -
Non current assets total 848.60M 1250.90M 1447.10M 1749.10M 1776.90M
Capital lease obligations 26.10M 26.30M 32.60M 35.30M 4.40M
Long term debt total - - - - -
Breakdown 2025-01-31 2024-01-31 2023-01-31 2022-01-31 2021-01-31
Type yearly yearly yearly yearly yearly
Date 2025-01-31 2024-01-31 2023-01-31 2022-01-31 2021-01-31
Investments 14.80M 18.00M 4.10M -18.90000M 41.90M
Change to liabilities - - 0.00000M 0.00000M 0.00000M
Total cashflows from investing activities 14.80M 18.00M 4.10M -27.30000M -211.80000M
Net borrowings -137.20000M -62.20000M -54.20000M 76.40M 196.80M
Total cash from financing activities -144.50000M -73.80000M -54.20000M 69.60M 318.00M
Change to operating activities - - -65.70000M 29.30M -66.50000M
Net income -141.10000M -129.00000M -254.20000M -23.50000M -61.20000M
Change in cash -16.50000M 27.90M -64.00000M 88.80M 27.80M
Begin period cash flow 219.60M 191.70M 255.70M 166.90M 139.10M
End period cash flow 203.10M 219.60M 191.70M 255.70M 166.90M
Total cash from operating activities 113.20M 83.70M -13.90000M 46.50M -78.40000M
Issuance of capital stock - - - 0.00000M 150.30M
Depreciation 206.60M 152.30M 311.50M 42.80M 87.40M
Other cashflows from investing activities 0.90M 44.70M - - 73.30M
Dividends paid - - - 0.10M 0.10M
Change to inventory - - - - -
Change to account receivables - - - - -
Sale purchase of stock - - - - -20.30000M
Other cashflows from financing activities -7.30000M -11.60000M -7.80000M 239.60M 318.10M
Change to netincome - - 268.00M 2.00M 26.90M
Capital expenditures 20.10M 26.70M 20.80M 18.90M 285.10M
Change receivables - - - - -
Cash flows other operating - - - - -
Exchange rate changes - - - - -
Cash and cash equivalents changes - - - - -
Change in working capital 27.90M 39.10M -78.50000M 28.30M -88.90000M
Stock based compensation 4.20M 3.40M 3.90M 3.40M 2.40M
Other non cash items 15.60M 17.90M 39.20M 40.20M 24.60M
Free cash flow 93.10M 57.00M -34.70000M 27.60M -363.50000M

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		 -12.0 2.23% 526.00 - 12.92 1.24 11.91 1.96 14.16
AV
Aviva PLC		 -6.0 0.98% 605.00 24.27 12.61 0.67 1.76 0.14
HUW
Helios Underwriting PLC		 - -% 222.50 8.74 5.32 4.49 0.84 0.58

Reports Covered

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Profile

Saga plc, together with its subsidiaries, provides package and cruise holidays, general insurance, and personal finance products and services in the United Kingdom. It operates through three segments: Travel, Insurance, and Other Businesses and Central Costs. The company offers travel, motor, home, private medical, and other insurance products. It also operates and delivers ocean and river cruise holidays, as well as package tour and other holiday products; and provides savings accounts, equity release, legal services, mortgages, and investment products and services. In addition, the company is involved in mailing house; research and insight analysis; provision of insurance broking, repair of automotive vehicles, debt service, motor accident management, and printing and mailing services; Saga Money which offers personal finance products; and Saga Publishing business. The company was founded in 1950 and is headquartered in London, the United Kingdom.

Saga plc

3 Pancras Square, London, United Kingdom, N1C 4AG

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.