Data sourced from SEC EDGAR filings and third-party price providers. Scores, valuations, and metrics are algorithmic estimates. This is not investment advice. See our Terms and Methodology.
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Data sourced from SEC EDGAR filings and third-party price providers. Scores, valuations, and metrics are algorithmic estimates. This is not investment advice. See our Terms and Methodology.
Saga plc is a diversified financial services company specializing in products and services tailored for individuals aged 50 and older in the United Kingdom. It operates primarily through its Insurance segment, which provides retail motor broking, retail home broking, and related underwriting products and services, generating the majority of its revenue from premiums and broking activities. Complementing this, the Travel segment offers group tours, holiday packages, and cruises designed to meet the preferences of its mature customer base. Additionally, Saga plc delivers a range of lifestyle products and services that enhance the daily experiences of its clientele. All operations are focused within the UK market, serving a dedicated demographic with specialized offerings in insurance and leisure travel. Founded in 1978 and headquartered in London, England, Saga plc plays a distinctive role in the financial services sector by addressing the unique needs of older adults through its integrated business segments.
£6.41
+£0.40 (+6.66%)
Price from 6 days ago
Net margin is thin at 0.55%. This may reflect rising credit costs, rate compression, or operational inefficiency.
Revenue grew 12.2% YoY.
At 267x earnings, the multiple is above the banking sector average. Financials rarely sustain elevated multiples through credit cycles.
267.1x earnings. Above the financial-sector median (~13x). The market is pricing in above-average returns or growth, any credit deterioration would compress the multiple quickly.
Based on TTM earnings · Diluted shares
Profitability & Returns
Revenue (TTM)
£660M
▲ +12.2% YoY
Net Income (TTM)
£4M
▲ +102.2% YoY
Net Margin
0.55%
P/E
267.1x
Balance Sheet
Total Assets
£1.28B
Equity
£70M
Total Debt
£0.00
Cash & Equiv.
£258M
3Y CAGR: -0.2%
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At a P/E of 267.1 and a price-to-free-cash-flow of 9.0, Saga (SAGA.XLON) trades below a two-stage DCF intrinsic value of about £37.58 per share, so at £6.41 the stock looks undervalued (486.3% below estimated intrinsic value). A high multiple is not the same as overvalued: fast-growing, high-quality businesses can deserve a premium. See the general approach in how to tell if a stock is overvalued.
On quality, Saga scores 40/100 on Intrinsiqq's quality scorecard (a mixed business on these measures), weighing growth, margins, returns on capital, share count, and balance-sheet strength. All figures are computed from SEC filings; read the full methodology. This is analysis, not investment advice.
Intrinsiqq's two-stage DCF estimates an intrinsic value of about £37.58 per share for SAGA.XLON, projecting its recent free cash flow forward with a growth rate that fades toward a long-run rate and discounting it back to today. Applying a 25% margin of safety gives a more conservative fair-value entry around £28.18. At today's £6.41, that puts the stock about 486.3% below estimated intrinsic value. The result is sensitive to the growth and discount-rate inputs, so it is best to run conservative, base and optimistic cases. You can adjust all of them yourself with the sliders on the DCF tab.
Saga scores 40 out of 100 on Intrinsiqq's quality score, a weighted blend of 8 metrics each scored 0 to 100, which makes it a mixed business on these measures. Recent fundamentals include a 15.2% operating margin and a 24.6% return on invested capital. The score weighs revenue and free-cash-flow growth, operating margins, return on invested capital, share-count change, and balance-sheet strength, all computed from SEC filings, not opinion. Because valuation only means something relative to quality, the full metric-by-metric breakdown is on the quality scorecard.
That depends on valuation and quality together, not either alone. SAGA.XLON currently trades below its estimated intrinsic value and scores 40/100 on quality (mixed). A cheap price is only a bargain if the business is durable, and a premium can be justified by genuine quality, so the two questions, "is it cheap?" and "is it good?", only make sense side by side. Read the valuation against the quality scorecard, run the DCF on your own assumptions, and decide for yourself. This is analysis from SEC filings, not investment advice.