SAGA - Ticker AI Digest

Saga plc
634.80 | Today 2.39%
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SAGA Data 2026-04-21 Preview Mode
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Results 1
SAGA 06:01
Saga plc
Preliminary results for the year ended 31 Jan 2026
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**Summary**
Saga plc, a UK-based specialist in products and services for people over 50, reported its unaudited preliminary results for the year ended 31 January 2026. The company highlighted a transformational year with strong financial performance, exceeding guidance across its Travel and Insurance businesses. Key financial highlights include
**Revenue Growth** Underlying revenue increased by 11% to £654.6 million, with a 12% rise in total revenue to £660.0 million.
**Profitability** Underlying Profit Before Tax rose by 19% to £44.2 million, and Trading EBITDA increased by 16% to £134.9 million.
**Debt Reduction** Net Debt significantly decreased by 16% to £499.5 million, and the Leverage Ratio improved to 3.7x from 4.4x.
**Strategic Progress** Saga made substantial progress in simplifying its business model, including refinancing corporate debt, selling the Insurance Underwriting business, and launching partnerships with Ageas and NatWest Boxed.
The companys Travel segment saw strong customer demand, with an 11% increase in underlying revenue to £504.1 million and a 37% rise in Underlying Profit Before Tax to £87.2 million. The Insurance Broking segment also performed well, with a 17% increase in Underlying Profit Before Tax to £16.9 million, driven by policy growth and the successful launch of the Ageas partnership.
Saga reaffirmed its medium-term targets, aiming for at least £100.0 million in annual Underlying Profit Before Tax and a Leverage Ratio below 2.0x by January 2030. The company expressed confidence in its growth prospects, supported by strong forward bookings in Travel and the continued integration of strategic partnerships.
Here is the comparison of financials and debt year on year presented as an HTML table:
MetricYear Ended 31 Jan 2026Year Ended 31 Jan 2025Change
Underlying Revenue (£m)654.6588.611%
Revenue (£m)660.0588.312%
Trading EBITDA (£m)134.9116.016%
Net finance costs (£m)(43.1)(26.7)(61%)
Underlying Profit Before Tax (£m)44.237.219%
Profit/(loss) before tax (£m)2.1(160.2)101%
Available Operating Cash Flow (£m)205.9109.688%
Net Debt (£m)499.5592.816%
Leverage Ratio (x)3.74.40.7x
### Key Observations: - **Revenue Growth**: Underlying Revenue and Revenue both increased by 11% and 12%, respectively, driven by strength across Travel and Insurance. - **Profitability**: Underlying Profit Before Tax increased by 19%, while the reported profit before tax swung from a loss of £160.2m to a profit of £2.1m. - **Cash Flow**: Available Operating Cash Flow nearly doubled, reflecting strong operational performance. - **Debt Reduction**: Net Debt decreased by 16%, and the Leverage Ratio improved from 4.4x to 3.7x, indicating a stronger financial position.
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All Market News (Last 30 Days) 2
SAGA 06:01
Saga plc
Preliminary results for the year ended 31 Jan 2026
AI Expand: Explanation + Tables
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**Summary**
Saga plc, a UK-based specialist in products and services for people over 50, reported its unaudited preliminary results for the year ended 31 January 2026. The company highlighted a transformational year with strong financial performance, exceeding guidance across its Travel and Insurance businesses. Key financial highlights include
**Revenue Growth** Underlying revenue increased by 11% to £654.6 million, with a 12% rise in total revenue to £660.0 million.
**Profitability** Underlying Profit Before Tax rose by 19% to £44.2 million, and Trading EBITDA increased by 16% to £134.9 million.
**Debt Reduction** Net Debt significantly decreased by 16% to £499.5 million, and the Leverage Ratio improved to 3.7x from 4.4x.
**Strategic Progress** Saga made substantial progress in simplifying its business model, including refinancing corporate debt, selling the Insurance Underwriting business, and launching partnerships with Ageas and NatWest Boxed.
The companys Travel segment saw strong customer demand, with an 11% increase in underlying revenue to £504.1 million and a 37% rise in Underlying Profit Before Tax to £87.2 million. The Insurance Broking segment also performed well, with a 17% increase in Underlying Profit Before Tax to £16.9 million, driven by policy growth and the successful launch of the Ageas partnership.
Saga reaffirmed its medium-term targets, aiming for at least £100.0 million in annual Underlying Profit Before Tax and a Leverage Ratio below 2.0x by January 2030. The company expressed confidence in its growth prospects, supported by strong forward bookings in Travel and the continued integration of strategic partnerships.
Here is the comparison of financials and debt year on year presented as an HTML table:
MetricYear Ended 31 Jan 2026Year Ended 31 Jan 2025Change
Underlying Revenue (£m)654.6588.611%
Revenue (£m)660.0588.312%
Trading EBITDA (£m)134.9116.016%
Net finance costs (£m)(43.1)(26.7)(61%)
Underlying Profit Before Tax (£m)44.237.219%
Profit/(loss) before tax (£m)2.1(160.2)101%
Available Operating Cash Flow (£m)205.9109.688%
Net Debt (£m)499.5592.816%
Leverage Ratio (x)3.74.40.7x
### Key Observations: - **Revenue Growth**: Underlying Revenue and Revenue both increased by 11% and 12%, respectively, driven by strength across Travel and Insurance. - **Profitability**: Underlying Profit Before Tax increased by 19%, while the reported profit before tax swung from a loss of £160.2m to a profit of £2.1m. - **Cash Flow**: Available Operating Cash Flow nearly doubled, reflecting strong operational performance. - **Debt Reduction**: Net Debt decreased by 16%, and the Leverage Ratio improved from 4.4x to 3.7x, indicating a stronger financial position.
SAGA 13:00
Saga plc
Committee Changes

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Fundamentals Matrix

Overall Fundamentals
Signal: Pending
Capital Strength
Signal: Pending
Float Liquidity
Signal: Pending
Short Pressure
Signal: Pending
Target Setup
Signal: Pending
Market Profile
Signal: Pending
Market Cap
892.5M
Enterprise Value
-204.0M
Public Float
57.0
Broker Target
725
Shares Out
144.0M
Long Interest
93
Short Interest
7
Exchange
LSE
Currency Code
GBX
ISIN
GB00BMX64W89
Market
LSE - MAIN MARKET
Sector
Travel and Leisure
Float / Shares Ratio
-
Short vs Long Delta
-
EV / Market Cap
-

Financials Matrix

News And Alerts First

The alert tape opens the door for SAGA, and Financial Forecastist sits just below.

No same-day alert has printed on 2026-04-21 yet, but the latest digestion is pinned here first so the forecastist view below still opens with context instead of raw numbers.
Standby Alerts Data 2026-04-21 Forecastist Below
Read the alert tape first, then move into Financial Forecastist below. Use AI Expand on any catalyst card to open the AI explanation and results tables without losing the ticker context.
0 Alerts
Front Of Desk
The live alert stack is quiet right now, but the latest digestion is still parked at the top before the forecastist read below.
13:00 Latest Alert Committee Changes
Overall Stability
Signal: Pending
Profitability
Signal: Pending
Debt & Cash
Signal: Pending
Valuation Risk
Signal: Pending
Forward Expectation
Signal: Pending
Dividend Safety
Signal: Pending
Divi Rate
-
Ex Divi
2019-10-10
Earnings Date
2026-04-15
Net Debt
394.4M
Cash
257.0M
EPS
0.03
Net Income
13.8M
Revenue
660.0M
Enterprise Value
-204.0M
Trailing PE
206.6667
Forward PE
16.6113
Price Sales TTM
1.3399
Price Book MRQ
12.9085
EV Revenue
2.1302
EV EBITDA
12.8395
Financial Forecastist

Mixed financial engine

Revenue is slipping -8.3% against the prior comparable period. Net margin is expanding by 18.8 pts. Net debt is coming down +38.0%.

Revenue -8.3% Net Income -95.2% FCF -17.9% Current Ratio 1.35x Forward Rev 0
Mixed
Quarter Revenue
328.2M
-8.3%
vs prior comparable quarter
Net Margin
-
+18.8 pts
profitability pulse
Free Cash Flow
30.8M
-17.9%
cash conversion
Net Debt / EBITDA
-
-38.0%
lower is cleaner
Revenue Engine

Latest quarter printed 328.2M with the top line cooling off against the last comparable period.

Profit Stack

Net income landed at -3.4M and the margin profile is broadening. That usually tells us whether operating leverage is finally kicking in.

Balance-Sheet Pressure

Cash sits near 257.0M while net debt is 394.4M. The leverage stack is cleaning up.

Quarterly Revenue Runway

Actual revenue bars, consensus revenue where available, plus the terminal model path.

Profit And Cash Conversion

Net income and free cash flow moving together is usually what separates genuine improvement from noise.

Balance-Sheet Pressure

Cash, net debt and liquidity tell us whether the business is strengthening or just surviving.

Annual Power Curve

Longer-cycle revenue and net income help frame whether the company is compounding or rolling over.
Q2 2022
Consensus
377.2M
Revenue Path
0.00
EPS / Earnings
Growth cue -
Q3 2022
Consensus
377.2M
Revenue Path
0.00
EPS / Earnings
Growth cue -
Q2 2024
Consensus
0
Revenue Path
0.00
EPS / Earnings
Growth cue -
Q3 2024
Consensus
0
Revenue Path
0.00
EPS / Earnings
Growth cue -
FY 2027
Consensus
680.9M
Revenue Path
0.38
EPS / Earnings
Growth cue -0.1%
FY 2028
Consensus
719.2M
Revenue Path
0.46
EPS / Earnings
Growth cue +0.2%

Quarterly Statement Tape

Last 6 Quarters
Period Revenue Net Income FCF Net Debt
Q1 2026 - - - 394.4M
Q3 2025 328.2M -3.4M 30.8M 463.8M
Q1 2025 183.5M -58.8M 60.2M 560.7M
Q3 2024 404.8M -106.1M 32.9M 618.6M
Q1 2024 399.4M -42.0M 19.5M 635.7M
Q3 2023 358.1M -71.0M 37.5M 656.5M

Annual Financial Power

Last 5 Years
Period Revenue Net Income EBITDA FCF
FY 2026 660.0M 13.8M 104.5M 100.9M
FY 2025 588.3M -164.9M -40.5M 93.1M
FY 2024 564.6M -113.0M 67.7M 57.0M
FY 2023 581.1M -259.2M -188.9M -34.7M
FY 2022 377.2M -28.0M 46.8M 27.6M

Structure DNA

Market Structure DNA

Income Anchor profile with trend broken

Price is -12.9% through the 52-week range, -88.1% vs 50DMA and -81.9% vs 200DMA. 60.1% of the register is locked by institutions and insiders, leaving 39.9% free float. Capital rhythm reads semi-annual with forward yield near 0.0% and payout around 0.0%.

Trend broken Institutional gravity Reliable income rhythm As Of 2026-04-19
Income Anchor
Structure Score
47.6 / 100
Income Anchor
Trend Stack
-88.1% / -81.9%
vs 50DMA / 200DMA
52W Position
-12.9%
auction position inside the yearly range
Ownership Lock
60.1%
23.0% institutions | 37.1% insiders
Pressure Pocket
79.0% short float
Short ratio 0.0x | monthly -
Capital Rhythm
Semi-Annual
Yield 0.0% | payout 0.0%
Trend Runway

Implied spot is 62.50 with the stock -88.1% vs 50DMA and -81.9% vs 200DMA. The tape is sitting -12.9% through the 52-week range, which frames the regime as trend broken.

Ownership Register

Institutions hold about 23.0% and insiders about 37.1%, locking roughly 60.1% of the register and leaving 39.9% in free float. That reads as institutional gravity.

Pressure Pocket

Short pressure is running near 79.0% of float with short ratio 0.0x and monthly change -. That gives us a read on whether the tape is clean, crowded, or coiled.

Capital Rhythm

Dividend cadence reads semi-annual with 2 event(s) in the last full year, a five-year average of 2.0, and stability score 100.0/100. Forward yield sits near 0.0% while payout is around 0.0%.

Structure Score

One-glance gauge for the current market-structure regime.

Pillar Radar

Trend, ownership, pressure, and capital rhythm mapped on one wheel.

Position And Float Balance

Shows whether the stock is extended, tightly held, or carrying capital-return support.

Dividend Cadence Tape

Historical dividend-event counts help reveal how dependable the income rhythm has been.

Dividend Cadence Ledger

Semi-Annual
Year Dividend Count Context
2019 2 Full year
2018 2 Full year
2017 2 Full year
2016 2 Full year
2015 2 Full year

Structure Facts

Live Snapshot
Implied Spot
62.50
derived from market cap / shares
52W High
652.92
upper auction edge
52W Low
129.79
lower auction edge
Beta
1.96
volatility character
Shares Out
144.0M
fully diluted count
Shares Float
82.1M
tradable register
Shares Short
0
borrowed stock
Short Ratio
0.0x
days-to-cover style read
Ex-Dividend
2019-10-10
-2383 day(s) to ex-date
Dividend Pay
-
payment date not supplied
Last Split
1:15
2020-10-13

Capital Radar

Capital Regime
—
Building signal blend...
Smart Money Tilt
—
Public vs institutions
Target Conviction
—
Broker coverage pulse
Insider Pressure
—
Director + TR1 flow
Last Held Position
143955485
Public Hands
57.04
Institutions
-
Institutions As Of
-
Avg Broker Target
442.5
Upside Vs Price
-30.29%
Purchase Director Dealing
3
Sale Director Dealing
0
Purchase TR1
0
Sale TR1
0
Broker Coverage Rows
2
Institution Holders Tracked
0
Public Vs Institutional Ownership (3D)
Top Institution Holders (Latest Per Holder)
Director Dealing Sentiment Flow
Broker Target Bias
Signal: Pending
Capital Momentum Matrix
Broker Targets Vs Price
Aggregated Institution Weight By Holder

Short Data - Last 30 Days

Nexus Pulse Engine

Overall Buy/Sell/Hold
Signal: Pending
Technical Composite
Signal: Pending
Financial Composite
Signal: Pending
Fundamental Composite
Signal: Pending
Short Pressure
Signal: Pending
Momentum Bias
Signal: Pending

Volatility Lab

ATR(14)
Realized Vol (20d)
Volume Spike Z

AI Charts

News And Alerts First

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No same-day headline has printed on 2026-04-21 yet, but the latest digestion is parked at the top before the chart workspace below so users can frame price, AI targets and structure from the latest tape.
Standby Tape Data 2026-04-21 AI Charts Below
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Catalyst Pulse
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13:00 Latest Tape Committee Changes
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