A Business at a Glance
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SAGA PLC ORD 15P operates in the Insurance - Diversified industry, Financial Services sector. Full business description from SEC filing not yet available.
| Metric | TTM | FY2025 | FY2024 | FY2023 | FY2022 | FY2021 |
|---|---|---|---|---|---|---|
| Revenue | 777M | 777M | 722M | 828M | 465M | 464M |
| Net Income | -218M | -218M | -145M | -341M | -35M | -93M |
| EPS | $-1.55 | $-1.55 | $-1.03 | $-2.44 | $-0.25 | $-0.92 |
| Free Cash Flow | 149M | 149M | 107M | -17M | 57M | -108M |
| ROIC | -4.8% | -131.3% | -73.0% | -61.2% | 2.9% | -4.9% |
| Gross Margin | 47.5% | 47.5% | 46.5% | 41.3% | 62.0% | 70.3% |
| Debt/Equity | 0.00 | - | - | - | - | - |
| Dividends/Share | $0.00 | - | - | - | - | $0.00 |
| Operating Income | -127M | -127M | -108M | -288M | 21M | -43M |
| Operating Margin | -16.3% | - | - | - | - | - |
| ROE | -285.8% | -120.2% | -39.0% | -54.1% | -4.0% | -10.0% |
| Shares Outstanding | 140M | 140M | 140M | 140M | 139M | 101M |
| Metric | 2021 | 2022 | 2023 | 2024 | 2025 | TTM |
|---|---|---|---|---|---|---|
| Income Statement | ||||||
| Revenue | 464M | 465M | 828M | 722M | 777M | 777M |
| Gross Margin | 70.3% | 62.0% | 41.3% | 46.5% | 47.5% | 47.5% |
| R&D | N/A | N/A | N/A | N/A | N/A | N/A |
| SG&A | -308M | -261M | -227M | -305M | -306M | -306M |
| EBIT | -43M | 21M | -288M | -108M | -127M | -127M |
| Op. Margin | N/A | N/A | N/A | N/A | N/A | -16.3% |
| Net Income | -93M | -35M | -341M | -145M | -218M | -218M |
| Net Margin | -20.1% | -7.4% | -41.1% | -20.0% | -28.0% | -28.0% |
| Non-Recurring | 0 | 0 | 0 | 0 | 0 | 0 |
| Returns on Capital | ||||||
| ROIC | -4.9% | 2.9% | -61.2% | -73.0% | -131.3% | -4.8% |
| ROE | -10.0% | -4.0% | -54.1% | -39.0% | -120.2% | -285.8% |
| ROA | -3.1% | -1.2% | -13.0% | -6.0% | -9.7% | -10.4% |
| Cash Flow | ||||||
| Op. Cash Flow | -108M | 57M | -17M | 107M | 149M | 149M |
| Free Cash Flow | -108M | 57M | -17M | 107M | 149M | 149M |
| Owner Earnings | -111M | 53M | -22M | 103M | 144M | 144M |
| CapEx | 0 | 0 | 0 | 0 | 0 | 0 |
| Maint. CapEx | 0 | 0 | 0 | 0 | 0 | 0 |
| Growth CapEx | N/A | N/A | N/A | N/A | N/A | 0 |
| D&A | 0 | 0 | 0 | 0 | 0 | 0 |
| CapEx/OCF | N/A | N/A | N/A | N/A | N/A | 0.0% |
| Capital Allocation | ||||||
| Dividends Paid | 137K | 0 | 0 | 0 | 0 | 0 |
| Dividend Yield | 0.0% | N/A | N/A | N/A | N/A | N/A |
| Share Buybacks | 0 | 0 | 0 | 2.6M | 0 | 0 |
| Buyback Yield | 0.0% | 0.0% | 0.0% | 1.2% | 0.0% | 0.0% |
| Stock-Based Comp | 3.3M | 4.2M | 4.9M | 4.3M | 5.5M | 5.5M |
| Debt Repayment | 179M | 210M | 58M | 80M | 307M | 307M |
| Balance Sheet | ||||||
| Net Debt | N/A | N/A | N/A | N/A | N/A | -268M |
| Cash & Equiv. | 229M | 315M | 239M | 281M | 268M | 268M |
| Long-Term Debt | N/A | N/A | N/A | N/A | N/A | N/A |
| Debt/Equity | N/A | N/A | N/A | N/A | N/A | 0.00 |
| Interest Coverage | -1.0 | 0.4 | -5.5 | -1.9 | -1.9 | -1.9 |
| Equity | 936M | 803M | 456M | 286M | 76M | 76M |
| Total Assets | 3.0B | 2.8B | 2.4B | 2.4B | 2.1B | 2.1B |
| Total Liabilities | 2.1B | 2.0B | 2.0B | 2.1B | N/A | N/A |
| Intangibles | N/A | 58M | N/A | 78M | 45M | 45M |
| Retained Earnings | 275K | -30M | -387M | -579M | -819M | -819M |
| Working Capital | N/A | N/A | N/A | N/A | N/A | N/A |
| Current Assets | N/A | N/A | N/A | N/A | N/A | N/A |
| Current Liabilities | N/A | N/A | N/A | N/A | N/A | N/A |
| Per Share Data | ||||||
| EPS | -0.92 | -0.25 | -2.44 | -1.03 | -1.55 | -1.55 |
| Owner EPS | -1.10 | 0.38 | -0.16 | 0.73 | 1.02 | 1.02 |
| Book Value | 9.25 | 5.76 | 3.27 | 2.04 | 0.54 | 0.54 |
| Cash Flow/Share | -1.06 | 0.41 | -0.12 | 0.77 | 1.06 | -1.55 |
| Dividends/Share | 0.00 | N/A | N/A | N/A | N/A | 0.00 |
| Shares Out. | 101.2M | 139.3M | 139.6M | 139.9M | 140.5M | 140.5M |
| Valuation | ||||||
| P/E Ratio | -4.0 | -6.1 | -0.7 | -1.5 | -3.3 | -3.7 |
| P/FCF | N/A | 3.7 | N/A | 2.0 | 4.8 | 5.3 |
| EV/EBIT | N/A | N/A | N/A | N/A | N/A | N/A |
| Price/Book | 0.4 | 0.3 | 0.5 | 0.8 | 9.5 | 10.5 |
| Price/Sales | 0.8 | 0.5 | 0.3 | 0.3 | 0.9 | 1.0 |
| FCF Yield | -28.6% | 27.1% | -7.2% | 49.1% | 20.7% | 18.7% |
| Market Cap | 377M | 212M | 239M | 218M | 721M | 799M |
| Avg. Price | 4.68 | 2.34 | 1.66 | 1.51 | 2.49 | 5.69 |
| Year-End Price | 3.72 | 1.52 | 1.71 | 1.56 | 5.13 | 5.69 |
SAGA PLC ORD 15P passes 3 of 9 quality checks, indicating weak fundamentals.
On a free-cash-flow basis, the stock trades at 5.3x vs a median of 3.7x. The company's 5-year average gross margin is 53.5%. At current prices, the estimated annualized return to fair value is +20.2%.
SAGA PLC ORD 15P (SAGA-L) has a 5-year average return on invested capital (ROIC) of -53.5%. This is below average and may indicate limited pricing power.
SAGA PLC ORD 15P (SAGA-L) has a market capitalization of $799M. It is classified as a small-cap stock.
SAGA PLC ORD 15P (SAGA-L) does not currently pay a regular dividend.
SAGA PLC ORD 15P (SAGA-L) operates in the Insurance - Diversified industry, within the Financial Services sector.
SAGA PLC ORD 15P (SAGA-L) reported annual revenue of $777 million in its most recent fiscal year, based on SEC EDGAR filings.
SAGA PLC ORD 15P (SAGA-L) has a net profit margin of -28.0%. The company is currently unprofitable.
SAGA PLC ORD 15P (SAGA-L) generated $149 million in free cash flow in its most recent fiscal year. Positive free cash flow supports dividends, buybacks, and debt reduction.
SAGA PLC ORD 15P (SAGA-L) reported earnings per share (EPS) of $-1.55 in its most recent fiscal year.
SAGA PLC ORD 15P (SAGA-L) has a return on equity (ROE) of -120.2%. A negative ROE may indicate losses or negative equity.
SAGA PLC ORD 15P (SAGA-L) has a 5-year average gross margin of 53.5%. This high margin suggests strong pricing power and a potential competitive moat.
The Ledger Terminal provides 5 years of financial data for SAGA PLC ORD 15P (SAGA-L), sourced directly from SEC EDGAR filings. This includes income statements, balance sheets, cash flow statements, and key financial ratios.
SAGA PLC ORD 15P (SAGA-L) has a book value per share of $0.54, based on its most recent annual SEC filing.
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