19 October 2026

strategyland.uk

Saga PLC (SAGA)

Rank #170 of 280 - Financials - UK Equities

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Saga PLC

SAGA.L·Financials·Market Cap £1.1b

Rank #170 of 280

Quantitative Model · 280 Stocks Analysed

£7.65

+95.40% YTD

52W: £2.35 - £7.99

Factor Analysis Summary

Editorial assessment generated from Saga PLC's live factor scores and sector positioning.

Based on Strategyland's proprietary 7-factor analysis, Saga PLC (SAGA.L) currently holds an overall rank of #170 out of 280 FTSE 100 constituents, reflecting its weighted composite score across liquidity, valuation, profitability, solvency, asset efficiency, market trading, and technical dimensions.

Its primary strength lies in market trading, where it demonstrates healthy trading activity and market interest relative to the FTSE 100 median.

Areas requiring attention include solvency (debt/equity 9.3), where higher debt levels or weaker coverage ratios raise solvency concerns, as well as valuation (P/E 41.1), where the stock appears richly priced on forward earnings and cash flow metrics.

Within the Financials sector, Saga PLC sits at composite rank #170, trailing the Financials peer average (rank 8). It ranks behind all 6 tracked Financials peers in our model.

The composite profile is weighed down by 3 below-average factor scores, with solvency (rank 277/280) representing the most significant drag on its #170 overall standing.

Strongest Factors

Market Trading — Rank 101/280 (above average)
Technical — Rank 118/280 (middle of the pack)
Profitability — Rank 136/280 (middle of the pack)

Weakest Factors

Solvency — Rank 277/280 (below average)
Valuation — Rank 229/280 (below average)

Score Analysis

Saga PLC is ranked #170 out of 280 UK stocks. Lower factor scores indicate better performance in that category.

Factor Breakdown

173/280

Average Score

Liquidity

Weak206/280

Valuation

Weak229/280

Profitability

Fair136/280

Solvency

Weak277/280

Asset Efficiency

Fair144/280

Mkt Trading

Good101/280

Technical

Fair118/280

1. Liquidity

Score: 206/280

How liquid is SAGA and can it meet its short-term obligations?

0/6

liquidity criteria met

Metric

Sector Range

Value

Rank

–

Quick Ratio

N/A

0.83xRank 94/280

Range: N/ARank 94/280

–

Current Ratio

N/A

0.84xRank 185/280

Range: N/ARank 185/280

–

TTM Operating Cash Flow

N/A

0.45xRank 120/280

Range: N/ARank 120/280

–

Liquidity Coverage Ratio

100-150

N/A

Range: 100-150

✗

Intangible Asset Ratio

10 - 30

0.03xRank 123/280

Range: 10 - 30Rank 123/280

–

Cash-to-Debt Ratio

N/A

0.40xRank 105/280

Range: N/ARank 105/280

Key Liquidity Metrics

Quick Ratio

0.83x

Sector: N/A

Current Ratio

0.84x

Sector: N/A

Overall Liquidity Rank

Rank within universe#206/280

Best (1)Worst (280)

2. Valuation

Score: 229/280

Is SAGA undervalued compared to its peers and fair value metrics?

2/7

valuation criteria met

Metric

Sector Range

Value

Rank

✓

FY27e P/E

8x - 18x

13.4xRank 142/280

Range: 8x - 18xRank 142/280

✓

FY26e P/E

8x - 18x

16.3xRank 153/280

Range: 8x - 18xRank 153/280

–

FY27e Net Div Yld (%)

3.0 - 8.0

N/ARank 207/280

Range: 3.0 - 8.0Rank 207/280

–

Div Payout Ratio

30 - 55

N/ARank 50/280

Range: 30 - 55Rank 50/280

–

Current EV/EBITDA

N/A

8.2xRank 142/280

Range: N/ARank 142/280

–

Current P/TBV

0.8x - 2.0x

N/A

Range: 0.8x - 2.0x

✗

Current P/B

0.8x - 2.0x

10.81xRank 262/280

Range: 0.8x - 2.0xRank 262/280

Key Valuation Metrics

TTM P/E

Price-to-Earnings

41.1x

FY26e P/E

Forward estimate

16.3x

FY27e P/E

Forward estimate

13.4x

Current P/B

Price-to-Book

10.81x

Current P/TBV

Tangible Book Value

N/A

Current EV/EBITDA

Enterprise Value

8.2x

FY26e EV/EBITDA

Forward estimate

8.2x

FY27e EV/EBITDA

Forward estimate

9.3x

Dividend

SAGA does not currently pay a significant dividend.

—

No dividend data available for this stock.

3. Profitability

Score: 136/280

How profitable is SAGA relative to its peers?

1/7

profitability criteria met

Metric

Sector Range

Value

Rank

✗

TTM Profit Margin

15 - 30

3.9%Rank 212/280

Range: 15 - 30Rank 212/280

–

T12 FCF Margin

N/A

1.2%Rank 60/280

Range: N/ARank 60/280

✗

FY27e RoE

10 - 16

49.5%Rank 15/280

Range: 10 - 16Rank 15/280

✓

FY26 EPS Growth

8 - 15

11.3%Rank 91/280

Range: 8 - 15Rank 91/280

✗

FY27e EPS Growth

6 - 12

34.8%Rank 59/280

Range: 6 - 12Rank 59/280

–

NIM

1.5 - 3.2

N/A

Range: 1.5 - 3.2

–

Expense Ratio

50 - 65

N/A

Range: 50 - 65

TTM Profit Margin

3.9%

Current RoCE

6.4%

FY27e RoE

49.5%

T12 FCF Margin

1.2%

EPS Growth

4. Solvency

Score: 277/280

How strong is SAGA's balance sheet and financial position?

0/6

solvency criteria met

Metric

Sector Range

Value

Rank

✗

Debt/Eqt

0.5x - 1.5x

9.28xRank 260/280

Range: 0.5x - 1.5xRank 260/280

–

Interest Coverage Ratio

N/A

Rank 238Rank 238/280

Range: N/ARank 238/280

–

Net Leverage Ratio

N/A

2.41xRank 140/280

Range: N/ARank 140/280

–

Altman Z-Score (Manufacturing)

N/A

N/ARank 240/280

Range: N/ARank 240/280

–

Z-Score (Non Manufacturing)

N/A

Rank 246Rank 246/280

Range: N/ARank 246/280

–

CapAdeq Ratio Tier1

13 - 18

N/A

Range: 13 - 18

Key Solvency Metrics

Debt/Eqt

9.28x

Net Leverage Ratio

2.41x

Interest Coverage

Rank 238

T12 FCF Margin

1.2%

Altman Z-Score

N/A

Distress Zone

01.812.995+

5. Asset Efficiency

Score: 144/280

How efficiently does SAGA deploy its assets and intellectual capital?

1/5

asset efficiency criteria met

Metric

Sector Range

Value

Rank

–

Efficiency Ratio

50 - 70

N/A

Range: 50 - 70

–

TTM Asset Turnover Ratio

N/A

0.54xRank 121/280

Range: N/ARank 121/280

✓

TTM CAPEX/Sales

1 - 3

1.1%Rank 171/280

Range: 1 - 3Rank 171/280

–

Working Capital Turnover

N/A

18.28xRank 24/280

Range: N/ARank 24/280

–

R&D/Sales FY27e

N/A

Range: N/A

Overall Asset Efficiency Rank

Rank within sector peers#144/280

Best (1)Worst (280)

6. Market Trading

Score: 101/280

How liquid and actively traded is SAGA?

1/2

market trading criteria met

Metric

Sector Range

Value

Rank

✗

Intraday Sentiment (%)

40 - 75

90.0%Rank 21/280

Range: 40 - 75Rank 21/280

–

10D-Avg v/s 3M-Avg Vol

N/A

156%Rank 50/280

Range: N/ARank 50/280

✓

Avg Directional Index 30D

012 - 45

21.6Rank 118/280

Range: 012 - 45Rank 118/280

–

Parabolic SAR

N/A

793.90Rank 111/280

Range: N/ARank 111/280

–

Stock Rating Rank

N/A

Rank 100Rank 100/280

Range: N/ARank 100/280

Market Cap

£1,119,122,210

Enterprise Value

£1,356,622,210

Trading Volume

7. Technical

Score: 118/280

What do the technical indicators say about SAGA?

0/5

technical criteria met

Metric

Chart

Sector Range

Value

Rank

–

CMP v/s 52-WH

£7.99£2.35

-4.3%CMP: £7.65

N/A

-4.3%Rank 54/280

£7.99£2.35

-4.3%CMP: £7.65

Range: N/ARank 54/280

–

CMP v/s 52-WL

£7.99£2.35

+226.2%CMP: £7.65

N/A

226.2%Rank 279/280

£7.99£2.35

+226.2%CMP: £7.65

Range: N/ARank 279/280

–

RSI 14D

074.7 - Overbought100

N/A

74.7Rank 25/280

074.7 - Overbought100

Range: N/ARank 25/280

–

MA50 - MA200

£5.78+0.92£6.70

N/A

BullishRank 52/280

£5.78+0.92£6.70

Range: N/ARank 52/280

–

MACD Rank

Golden Cross

MACD: 12.93

N/A

12.93Rank 100/280

Golden Cross

MACD: 12.93

Range: N/ARank 100/280

RSI (14 Day)

74.7

Overbought

0 (Oversold)50100 (Overbought)

Moving Averages

50 SMA£6.70

200 SMA£5.78

SignalGolden Cross (Bullish)

MACD12.93

Risk Metrics

Beta

N/A

3-Yr Std Dev

N/A

5-Yr Std Dev

N/A

Peer Comparison

How does SAGA compare to other Financials stocks?

Overall Rank Comparison

Factor Score Comparison

Stock	Rank	Liquidity	Valuation	Profitability	Solvency	Mkt Trading	Technical
SAGA	#170	206	229	136	277	101	118
MUT.L	#3	128	38	24	56	27	8
RTW.L	#5	116	7	9	145	69	229
BPCR.L	#7	163	34	56	9	112	76
RCP.L	#9	179	26	22	59	13	2
AGT.L	#11	108	57	55	72	90	79
TBCG.L	#14	29	55	38	257	129	18

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Methodology Note

The analysis presented for Saga PLC is produced using Strategyland's proprietary 7-factor quantitative model, which evaluates each stock across Liquidity, Valuation, Profitability, Solvency, Asset Efficiency, Market Trading, and Technical dimensions. Individual factor scores and the composite rank reflect relative rankings within the FTSE 100 universe — a lower rank number indicates stronger performance in that category.

Underlying financial and market data is sourced from LSEG (London Stock Exchange Group) and processed through our scoring engine. Scores are recalculated as new data becomes available and should be interpreted as a systematic screening output, not a forecast of future share price performance.

This content is for informational purposes only and does not constitute investment advice, a recommendation, or an offer to buy or sell any security. Past performance and factor rankings are not indicative of future results. Please read our Risk Disclaimer before making any investment decisions.

Strategyland Research Center - strategyland.ukThis report is for informational purposes only. Not financial advice.