# Saga plc (SAGA.L) fundamentals

Data as of 2026-09-08. LSE, United Kingdom. Sector: Financial Services / Insurance. Price 623p, market value 905 millionp.

## Valuation
- **P/E (trailing): 207.5×** (5-yr avg 5543.7×, 3-yr avg 5543.7×). Saga plc trades at 207.5× trailing earnings, well below its own five-year average of 5543.7×: cheap by its own standards. The Financial Services median in the September 2026 study was 13.1×. Forward P/E is 12.0×, lower than trailing, so analysts expect earnings to grow.
- **PEG: 0.11**. A PEG of 0.11 means the P/E is low relative to expected earnings growth: the market is not paying much for that growth.
- **Price / sales: 0.7×**. Each dollar of revenue is priced at 0.7×, a low multiple typical of thin-margin businesses or out-of-favour stocks.
- **Price / book: 12.9×**. The shares trade at 12.9× book value; most of the value is in earnings power and intangibles rather than the balance sheet.
- **EV / EBITDA: 22.0×**. Enterprise value is 22.0× operating earnings before depreciation, the multiple that ignores how the company is financed; above 20× is demanding.
- **Free-cash-flow yield: 19.5%** (5-yr avg 0.2%). Free cash flow equals 19.5% of the market value, above its five-year average of 0.2%, so the shares are cheaper on cash than they have usually been. Above 5% is generally attractive.
- **Earnings yield: 0.5%**. The inverse of the P/E: 0.5% of the price is earned each year.

## Profitability
- **Gross margin: 47.9%**. Saga plc keeps 47.9% of revenue after the direct cost of what it sells.
- **Operating margin: 12.8%**. 12.8% of revenue is left after running the business.
- **Net margin: 2.1%**. 2.1% of each dollar of sales reaches the bottom line.
- **Return on equity: 19.8%**. 19.8% on shareholders' equity is solid.
- **Return on invested capital: 34.4%**. Return on all capital, debt included, is 34.4%: comfortably above what that capital costs.
- **Return on assets: -13.7%**. Each dollar of assets produces -13.7% of profit; low single digits are normal for banks and insurers.

## Growth
- **Revenue growth (1 yr): 12.2%** (3-yr 4.3%/yr, 5-yr 14.3%/yr). Revenue grew 12.2% over the last year, against 14.3% a year compounded over five years.
- **EPS growth (1 yr): 108.0%**. Earnings per share rose 108.0%, faster than revenue, so margins expanded or the share count shrank.

## Financial health
- **Piotroski F-score: 7/9**. 7 of 9 fundamental checks pass: strong and improving financials.
- **Cash and short-term investments: 258 millionp**. Leverage ratios are shown differently for banks and insurers, whose balance sheets are built on deposits and reserves; use return on equity and the regulatory capital in the filings instead.

## Dividends
- **Dividend: none**. Saga plc does not currently pay a dividend.

## Price and momentum
- **Total return (1 yr): 211.3%** (YTD 62.6%, 3-mo 17.2%). The shares are up 211.3% over twelve months including dividends.
- **From 52-week high: -16.7%** (222.5% above the low). Trading 17% below its 52-week high.
- **200-day average: above**. The price sits above its 200-day moving average, the usual definition of an uptrend.
- **RSI (14-day): 40**. An RSI of 40 is neutral.
- **Beta (1 yr): 1.57** (volatility 51%). Beta of 1.57 against the FTSE All-Share: the shares move much more than the market.

Live score and charts: https://foliofundamentals.com/analyzer?s=SAGA.L · Page: https://foliofundamentals.com/stocks/saga.l

Not investment advice.