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About The Company

CEO

Mr. Euan Sutherland

Market Cap

160.55 Million GBp

Sector

Financial Services

Website

https://www.saga.co.uk

Description

Saga plc provides general insurance, package and cruise holidays, and personal finance products and services in the United Kingdom.

Read More

Overview

Value

1

Growth

20

Health

58

Management

42

Analyst Opinion

71

Total

38

All Scores Out Of 100

Best Features

  • Earnings growth has improved recently
  • Liked by analysts
  • Has high dividend yeild
  • Low preportion of income is paid as dividend

Risk Factors

  • Overvalued on cashflow basis
  • Income is not covering expenditure and investment
  • Earnings are negative
  • There is a history of diluting shareholders
  • 0
  • No margin of safety at their current market price
  • Poor earnings and cashflow growth

Market Peers

SAGA.L

Key Figures

PE Ratio (TTM)

N/A

Margin Of Safety (DCF)

-96.46%

Revenue Growth (5 Year Average)

N/A

Ratings Consensus

Buy

Share Buybacks

-0.02%

Dividend Yeild (TTM)

0.29%

Valuation

Value Score

1

  • Estimated intrinsic-value of 3.85 GBp is lower than current price ( 114.40 GBp)
  • Free-cashflow-yeild of -0.87% is worse than the market average (4.7%)
  • Margin-of-safety of -96.46% is worse than the market average (17.95%)

Desired Margin Of Safety

0%

Tip: Set your desired Margin Of Safety

Free Cash Flow Type

Annual Cashflow Growth

0%

Discount Rate

0%

Buy Target: N/A

Current Price: 109 GBp

Negative Cashflows: Cashflow can become negative due to operating losses, investing activities or financing activites. Negative cashflow makes it dificult to use a discounted free cashflow model to assess intrinsic value.

How Does This Work?

Show Advanced Options

This calculator helps investors estimate the Intrinsic Value of a company based on the current value of future cash flows. To use the tool, simply input a desired Margin Of Safety, which is an additional discount applied to the present value of the expected future cash flows. The tool calculates the present value using a discount rate that reflects the risk and time value of money, and provides an estimated target price for the company based on the selected margin of safety. The calculator defaults to using 5 Year Free Cash Flow Growth % and a discount rate based on the US 10-year treasury bond coupon rate. Use our performance analyser to get a feel the impact this has on longterm investment returns and discover a margin of safety you are comfortable with. This can be a useful tool for investors looking to make informed decisions about whether to buy or sell shares of a particular company.

Price/Earnings

N/Ax

Free Cashflow Yeild

-0.87%

PE/Earnings Growth

N/A

Price/Book

4140.23x

Growth

Growth Score

20

  • Earnings growth has improved this year
  • Free Cashflow growth has improved this year
  • 5 Year Average Revenue growth of N/A is lower than the market average (10.97%)
  • Revenue growth has slowed this year
  • 5 Year Average Earnings growth of N/A is lower than the market average (14.48%)
  • 5 Year Average Free Cashflow growth of N/A is lower than the market average (12.35%)

Revenue Growth

N/A

Earnings Growth

N/A

Cashflow Growth

N/A

Health

Health Score

58

  • Assets cover liabilities
  • Cashflow is negative
  • 0
  • Has a high level of debt
  • Requires debt for normal operation to be sustainable
  • Debt repayments significantly impact cashflow

Altman Z Score

N/A

Piostroski Score

6.00

Debt/Equity

1.23x

Current Assets/Liabilities

2.53x

Free Cashflow/Total Debt

N/Ax

Debt/Capital

1.03x

Dividend

Secure Dividend Score

42

  • At risk of being unsafe
  • Long term dividend payout ratio of -0.80% is considered good
  • Payout ratio (TTM) of -16.20% is lower than the average (40%)
  • Dividends have shown growth over the last 5 years
  • Spending a lower percentage of their income on dividends than last 5 years
  • Dividend yeild of 0.29% is less than the market average (1.85%)

Dividend Yeild

0.29%

Dividend Growth

N/A

Payout Ratio (Earnings)

-16.20%

Payout Ratio (Cashflow)

-33.31%

Management

Management Score

42

  • Has issued new shares to finance growth when share price is high
  • Return-on-capital-employed of 7.00% is lower than the market average (10%)
  • Has a history of diluting shareholders to finance activity
  • Return-on-equity of -2403.26% is lower than the market average (15%)

Average Buybacks/Dilution

-0.02%

Recent Buybacks/Dilution

N/A

5 Year Price Volitility

65.52%

Return On Assets

-681.54%

Return On Capital Employed

7.00%

Return On Equity

-2403.26%

Return On Free Cashflow

26296.43%

Return On Investments

-226639.54%

Analysts

Analyst Opinion

71

  • Ratings consensus is Buy

SEC Filings

Find yearly (10-K), quaterly (10-Q) and disclosure (8-K) report here, on the Securities and Exchange Commission's EDGAR database. If reading through reports isn't your cup of tea, don't worry. We've made it easy for you by summarizing all the important bits.

Other Information

Company Name

Saga plc

Currency

GBp

Beta

2.278823

Vol Avg

697941

Ceo

Mr. Euan Sutherland

Cik

Cusip

G7770H108

Exchange

London Stock Exchange

Full Time Employees

3899

Industry

Insurance—Diversified

Sector

Financial Services

Ipo Date

2014-05-23

Address

Enbrook Park, Sandgate High Street

City

Folkestone

State

KENT

Country

GB

Zip

CT20 3SE

Phone

44130377111

All financial data provided by FMP

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