Saga plc (65J) Stock Price & Analysis
65J Stock Chart & Stats
- Day’s Range
- EUR 10.74 - EUR 10.74
- 52-Week Range
- EUR 2.76 - EUR 10.74
- Previous Close
- EUR 10.72
- Volume
- N/A
- Average Volume (3M)
- 182
- Market Cap
- EUR 1.49B
- Enterprise Value
- EUR 1.30B
- Total Cash (Recent Filing)
- EUR 314.50M
- Total Debt (Recent Filing)
- EUR 621.40M
- Price to Earnings (P/E)
- 55.1
- Beta
- 0.76
- Next Earnings
- Apr 07, 2027 (Est.)
- EPS Estimate
- N/A
- Next Dividend Ex-Date
- N/A
- Dividend Yield
- N/A
Bulls Say, Bears Say
Bulls Say
Revenue Growth
The strong multi-year revenue increase indicates recovering demand and improved commercial traction across Saga’s operations. Sustained top-line expansion can support greater operating scale, strengthen customer reach, and provide a broader base for rebuilding consistent profitability over the next several quarters.
Cash Generation
Improved cash conversion is a meaningful fundamental strength because it gives Saga internally generated funds to support operations and debt servicing. The recent positive trend is more durable than accounting profit alone, although earlier volatility means continued cash generation remains important.
Focused Customer Model
A defined over-50s customer focus provides a coherent platform across travel and insurance, while repeat purchasing and cross-selling can improve customer lifetime value. Direct online and call-centre distribution also gives Saga established routes to monetise its brand and customer relationships.
Bears Say
High Leverage
The highly leveraged capital structure leaves Saga with limited balance-sheet flexibility despite its recent cash improvement. High debt relative to thin equity increases sensitivity to earnings weakness and refinancing requirements, potentially restricting investment, resilience, and strategic choices over the next several quarters.
Profit Volatility
The return to profit is encouraging, but the preceding years of substantial losses show that earnings have not yet demonstrated consistent resilience. Continued volatility can make planning and capital allocation harder, while modest current net income leaves less protection if operating conditions weaken.
Insurance Partner Reliance
Using external underwriters and partners means Saga monetises its brand and distribution without controlling every element of insurance economics. This structure can make results dependent on partner arrangements, underwriting terms, and policy performance, which may limit direct control over segment profitability.
Saga plc News
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Saga plc Stock Smart Score
Company Description
Saga plc
Saga plc is a United Kingdom-based company that delivers a broad spectrum of services, encompassing general insurance, holiday packages, cruises, and various personal finance offerings. Operating through its Insurance, Travel, and Other Businesses and Central Costs segments, the company caters to diverse needs. Its extensive insurance portfolio includes coverage for vehicles (cars, motorhomes, boats, caravans), homes (building, content, renter, landlord), health, travel, pets, and personal accident, alongside breakdown cover and holiday home policies. Beyond insurance, Saga organizes and operates comprehensive package tours and sea voyages. In the realm of personal finance, it provides expert advice on equity release and care funding, offers savings accounts, credit cards, and wealth management solutions, in addition to share dealing and ISA services. The company's wider activities also involve mailing house services, administering retirement benefit schemes, publishing the "Saga Magazine," and performing automotive repairs. Founded in 1950 and headquartered in Folkestone, the company adopted the name Saga plc in May 2014, having previously been known as Saga Limited.
- Sector
- Consumercyclical
- Industry
- Travel Services
- CEO
- Michael Robert Hazell
- Employees
- 2,936
- Website
- www.saga.co.uk
- Address
- 3 Pancras Square, London, GL, N1C 4AG, GB
Saga plc (65J) Earnings & Revenues
65J Earnings Call
Earnings Call SentimentPositive
Saga delivered a strong first half with significant revenue growth and debt reduction, particularly excelling in its travel and insurance broking segments. The strategic moves, including the sale of the underwriting business and upcoming partnerships, position Saga for future growth. However, challenges remain in the home insurance segment and the impact of higher finance costs. Overall, the positive aspects significantly outweigh the negatives.
View all DE:65J earnings summaries65J Stock 12 Month Forecast
Average Price Target
Technical Analysis
Overall Consensus
| Indicator | Bullish | Neutral | Bearish |
|---|---|---|---|
| Overall Consensus | 15 | 1 | 5 |
| Technical Analysis | 3 | 1 | 5 |
| Moving Averages | 12 | 0 | 0 |
