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.
Sabre Insurance Group plc is a public limited company specializing in motor insurance, primarily serving the United Kingdom market. Founded in 1982, it focuses on underwriting general insurance for motor vehicles, including private car, commercial vehicle, taxi, van, and motorbike policies. The company distributes products through a diversified multi-channel strategy, encompassing insurance brokers and direct sales via well-known brands such as Go Girl, Insure2Drive, and Drive Smart, targeting niche segments often overlooked by larger insurers. Headquartered in Dorking, Surrey, Sabre Insurance Group plc reported revenue of £248.1 million and operating income of £48.6 million for the year ending December 31, 2024, reflecting strong growth in a cyclical financial services sector. With approximately 158 employees, it maintains a lean operation while delivering consistent dividends, including interim, final, and special payouts totaling around 13.00p for 2024. As a premium-listed entity, it plays a key role in the insurance industry by providing accessible coverage to diverse customer bases, from individual drivers to commercial operators, contributing to market competition and innovation in non-standard motor risks.
£1.84
+£0.03 (+1.44%)
EOD Jul 3, 2026
Revenue declined 8.1% YoY. The question is whether this is cyclical or a structural shift.
Even for strong businesses, today's 12x P/E means the stock needs to keep delivering. There's no margin of safety if growth disappoints.
12.0x earnings, 12.4x FCF. The multiple is below average. Either the market is pricing in deterioration you should investigate, or there's genuine value here.
Based on TTM earnings · Diluted shares
Profitability & Returns
Revenue (TTM)
£201M
▼ -8.1% YoY
Net Income (TTM)
£38M
▲ +5.4% YoY
Op. Margin
—
ROIC
—
Cash Flow & Balance Sheet
FCF (TTM)
£37M
▲ +66.0% YoY
Op. Cash Flow (TTM)
£54M
▲ +9.4% YoY
Net Debt
-£351M
Net Cash Position
Cash & Equiv.
£351M
3Y CAGR: +8.5%
3Y CAGR: +23.7%
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At a P/E of 12.0 and a price-to-free-cash-flow of 12.4, Sabre Insurance Group (SBRE.XLON) trades below a two-stage DCF intrinsic value of about £4.00 per share, so at £1.84 the stock looks undervalued (117.7% 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, Sabre Insurance Group scores 66/100 on Intrinsiqq's quality scorecard (a solid business on these measures), weighing growth, margins, returns on capital, share count, and balance-sheet strength. It currently yields about 8.0%; see dividend safety for coverage and history. 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 £4.00 per share for SBRE.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 £3.00. At today's £1.84, that puts the stock about 117.7% 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.
Sabre Insurance Group scores 66 out of 100 on Intrinsiqq's quality score, a weighted blend of 6 metrics each scored 0 to 100, which makes it a solid business on these measures. 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.
Yes, Sabre Insurance Group pays a regular dividend of about £0.15 per share per year (typically in quarterly installments), a yield of roughly 8.0% at the current price. That is a payout ratio of about 95.8% of earnings, so the dividend is stretched at this level. A low headline yield is not the same as a weak dividend: what matters is how well earnings and free cash flow cover the payout and whether it is growing, not the percentage alone. For SBRE.XLON's full payout history, growth streak and dividend-safety score, see the dividends tab.
That depends on valuation and quality together, not either alone. SBRE.XLON currently trades below its estimated intrinsic value and scores 66/100 on quality (solid). It also yields about 8.0%. 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.