Market Price

0.55 

-0.03 -5.5%

as of May 23 '19

52 Week Range:

0.55 1.62


Stock Analyzer Tutorials

S2O Stock Analyzer - General Info

General Info


type: video (mp4); length: 3:30

Demonstrates how to use Stock Analyzer, shows how to analyze a stock and explains in detail "General Info" section of the Stock Analyzer result page.

S2O Stock Analyzer - Financial Statements

Financial Statements


type: video (mp4); length: 5:10

Explains information presented in the Financial Statements section of the S2O Stock Analyzer: financial statements charts, absolute values and growth rates.

S2O Stock Analyzer - Growth Grade and Financial Ratios

Growth Grade and Financial Ratios


type: video (mp4); length: 5:09

Demonstrates how to use Growth Grade & Financial Ratios section; shows the difference between historical and year-over-year Growth Grade on the real life example.

S2O Stock Analyzer - Value Price

Value Price


type: video (mp4); length: 6:03

Demonstrates how to use Value Price (intrinsic value) and the Graham Number, MOS (margin of safety) and IRT - Investment Recovery Time; explains 3 different projection models used to compute value price - pessimistic, moderate and optimistic.

S2O Stock Analyzer - Price Charts

Price Charts


type: video (mp4); length: 8:34

Demonstrates basic rules of how to read a candlestick chart, long and short term moving averages, stochastic, MACD and relative strength (RS) charts. Explains how bull or bear market condition is computed.

General Info

Saga plc engages in insurance, travel, personal finance, healthcare, retirement villages, and media businesses in the United Kingdom. The company operates in three segments: Insurance, Travel, and Emerging Businesses and Central Costs. It offers car, caravan, motorhome, breakdown cover, home, landlord, holiday home, home emergency, pet, travel, boat, health, personal accident, and life insurance, as well as accidental death benefit products. The company also operates and delivers package tours and cruise holiday products; and provides personal loans, equity release and care funding advice, financial planning, savings accounts, shares ISAs, share dealing nominee and certificated accounts, travel money, credit cards, and wealth management services. In addition, it offers domiciliary care, automotive vehicles repair, and mailing house services; operates retirement villages; and publishes Saga Magazine. The company was formerly known as Saga Limited and changed its name to Saga plc in May 2014. Saga plc was founded in 1950 and is headquartered in Folkestone, the United Kingdom.

Financial Statements

The charts below show selected Annual and Quarterly Financial Data.

The purpose of these charts is to discover long and short term change dynamics. When numbers are growing year after year in the annual statements chart, the business become stronger and stronger and this is a good sign.

Quarterly Data Chart can be used to do a short term analysis. It makes sense to pay attention to the quarterly dynamics and do not wait for the next yearly statement. We should be alerted if we see that quarterly numbers are going down.

You can check "Annual Financial Statements" and "Quarterly Financial Statements" sections for exact numbers and growth rates.

Annual Statements

On a charts below the Line shows absolute values and the Bar chart shows Year-Over-Year Growth Rate for selected financial statement item. A consistent GROWTH is generally considered necessary to fund future growth from within a business.
NOTE: Growth Rate is not provided if either the latest period or the year-ago period contains a net loss. (source: WSJ Digest of Earnings)
TIP! move your mouse pointer over bar or a circle on any chart below to see details.

Financial Statements

Income Statement



 

Cash Flow Statement



 

Balance Sheet



 

Liquidity Ratios

Current Ratio


 

Current Ratio measures the ability to meet short term obligations. Generally accepted standard is 2 (current assets should be 2 times or 200% of current liabilities).

Quick Ratio


 

Measures immediate liquidity or the cash available to cover immediate liabilities. A safe margin would be at least 1 (100%).

Financial Leverage


 

Defined as total assets divided by total shareholders' equity. The higher the ratio, the more debt a company uses in its capital structure.

Profitability Ratios

ROA


 

Return on Assets (ROA) measures the income (profit) that is generated by the use of the assets of the business.

ROE


 

Return on Equity (ROE) is a measure of profitability that calculates how many dollars of profit a company generates with each dollar of shareholders equity. ROE is sometimes called "return on net worth."

ROIC


 

The Return on Invested Capital (ROIC) measure gives a sense of how well a company is using its money to generate returns. Some investors use this figure as a final evaluation to determine whether or not to invest in a company.

Annual Statements

Item Name Jan '12 Jan '13 Jan '14 Jan '15 Jan '16 Jan '17 Jan '18 Jan '19
Equity (BVPS) 1.39
1.20
1.18
1.24
1.29
growth rate -13.7% -1.7% 5.1% 4.0%
Earnings BIT 189.90
199.60
197.00
213.90
207.70
191.30
growth rate 5.1% -1.3% 8.6% -2.9% -7.9%
Avg.PE 12.72
14.17
8.38
4.18
growth rate 11.4% -40.9% -50.1%
ROA 2.33
2.34
2.42
-3.99
5.07
5.77
5.15
-6.55
growth rate 0.4% 3.4% -100.0% 100.0% 13.8% -10.8% -100.0%
ROE 11.54
11.41
10.02
-13.64
13.60
13.78
11.37
-14.81
growth rate -1.1% -12.2% -100.0% 100.0% 1.3% -17.5% -100.0%
ROIC 2.74
2.68
2.86
-5.20
9.55
10.24
8.77
-9.91
growth rate -2.2% 6.7% -100.0% 100.0% 7.2% -14.4% -100.0%
Cur. Ratio 1.75
2.38
1.41
2.17
1.14
1.16
1.13
1.17
growth rate 36.0% -40.8% 53.9% -47.5% 1.8% -2.6% 3.5%
Quick Ratio 1.39
2.19
1.20
1.73
0.71
0.75
0.69
0.74
growth rate 57.6% -45.2% 44.2% -59.0% 5.6% -8.0% 7.3%
Leverage 4.95
4.81
3.51
2.85
2.52
2.26
2.16
2.39
growth rate -2.8% -27.0% -18.8% -11.6% -10.3% -4.4% 10.7%
Balance Sheet Jan '12 Jan '13 Jan '14 Jan '15 Jan '16 Jan '17 Jan '18 Jan '19
Acct.Receivable 1,230.10
138.60
150.10
160.80
166.50
216.60
growth rate -88.7% 8.3% 7.1% 3.5% 30.1%
Acct.Payable 659.00
637.20
684.80
640.60
597.10
600.30
growth rate -3.3% 7.5% -6.5% -6.8% 0.5%
Cur.Assets 1,596.10
577.90
531.10
597.50
594.60
797.20
growth rate -63.8% -8.1% 12.5% -0.5% 34.1%
Total Assets 3,965.10
2,802.00
2,752.10
2,698.80
2,643.80
2,302.40
growth rate -29.3% -1.8% -1.9% -2.0% -12.9%
Cash 192.00
154.20
106.50
24.40
22.40
51.40
growth rate -19.7% -30.9% -77.1% -8.2% 129.5%
Inventory 4.80
5.30
4.90
5.60
5.80
4.00
growth rate 10.4% -7.6% 14.3% 3.6% -31.0%
Cur.Liabilities 905.30
1,076.30
1,068.70
984.10
929.10
729.80
growth rate 18.9% -0.7% -7.9% -5.6% -21.5%
Liabilities 2,845.30
1,817.90
1,663.90
1,503.60
1,420.30
1,338.10
growth rate -36.1% -8.5% -9.6% -5.5% -5.8%
LT Debt 1,784.50
692.20
547.70
475.20
443.00
439.20
growth rate -61.2% -20.9% -13.2% -6.8% -0.9%
Equity 1,119.80
983.70
1,088.20
1,195.20
1,223.50
964.30
growth rate -12.2% 10.6% 9.8% 2.4% -21.2%
Common Shares 1,067.00
1,067.00
1,111.00
1,018.00
1,120.00
1,122.00
1,123.00
1,119.00
growth rate 0.0% 4.1% -8.4% 10.0% 0.2% 0.1% -0.4%
Cash Flow Statement Jan '12 Jan '13 Jan '14 Jan '15 Jan '16 Jan '17 Jan '18 Jan '19
Capital Expenditures 29.50
26.40
33.80
43.90
82.50
63.00
growth rate -10.5% 28.0% 29.9% 87.9% -23.6%
Cash Dividends 20.00
2,063.00
70.00
86.30
98.80
100.90
growth rate 10,215.0% -96.6% 23.3% 14.5% 2.1%
Cash From OA 174.10
155.30
150.40
138.50
135.20
138.00
growth rate -10.8% -3.2% -7.9% -2.4% 2.1%
FCF per Share 0.18
0.14
0.09
0.10
0.04
growth rate -22.2% -35.7% 11.1% -60.0%
Sale Purchase of Stock 550.00
550.00
0.30
0.30
0.30
growth rate 0.0% -100.0% 0.0% 0.0%
FCF 173.00
189.00
145.00
129.00
116.00
94.00
53.00
75.00
growth rate 9.3% -23.3% -11.0% -10.1% -19.0% -43.6% 41.5%
Income Statement Jan '12 Jan '13 Jan '14 Jan '15 Jan '16 Jan '17 Jan '18 Jan '19
Sales 956.70
917.30
974.20
887.60
869.00
843.20
growth rate -4.1% 6.2% -8.9% -2.1% -3.0%
Op.Income 189.90
199.60
197.00
213.90
207.70
191.30
growth rate 5.1% -1.3% 8.6% -2.9% -7.9%
IBT 171.30
113.80
176.20
193.30
178.70
-134.60
growth rate -33.6% 54.8% 9.7% -7.6% -100.0%
Net Income 108.50
-134.20
140.90
157.30
137.50
-162.00
growth rate -100.0% 100.0% 11.6% -12.6% -100.0%
EPS 0.10
0.11
0.10
-0.13
0.13
0.14
0.12
-0.14
growth rate 10.0% -9.1% -100.0% 100.0% 7.7% -14.3% -100.0%
Gross Profit 363.40
392.20
430.00
464.90
456.20
437.50
growth rate 7.9% 9.6% 8.1% -1.9% -4.1%

Quarterly Statements

Item Name Jan '18 Apr '18 Jul '18 Oct '18 Jan '19
Earnings BIT 57.70
57.70
37.95
37.95
growth rate 0.0% -34.2% 0.0%
Balance Sheet Jan '18 Apr '18 Jul '18 Oct '18 Jan '19
Acct.Receivable 166.50
229.40
229.40
216.60
216.60
growth rate 37.8% 0.0% -5.6% 0.0%
Acct.Payable 597.10
611.00
611.00
600.30
600.30
growth rate 2.3% 0.0% -1.8% 0.0%
Cur.Assets 594.60
848.90
848.90
797.20
797.20
growth rate 42.8% 0.0% -6.1% 0.0%
Total Assets 2,643.80
2,661.30
2,661.30
2,302.40
2,302.40
growth rate 0.7% 0.0% -13.5% 0.0%
Cash 22.40
22.90
22.90
51.40
51.40
growth rate 2.2% 0.0% 124.5% 0.0%
Inventory 5.80
5.70
5.70
4.00
4.00
growth rate -1.7% 0.0% -29.8% 0.0%
Cur.Liabilities 929.10
743.80
743.80
729.80
729.80
growth rate -19.9% 0.0% -1.9% 0.0%
Liabilities 1,420.30
1,393.20
1,393.20
1,338.10
1,338.10
growth rate -1.9% 0.0% -4.0% 0.0%
LT Debt 443.00
448.60
448.60
439.20
439.20
growth rate 1.3% 0.0% -2.1% 0.0%
Equity 1,223.50
1,268.10
1,268.10
964.30
964.30
growth rate 3.7% 0.0% -24.0% 0.0%
Common Shares 11.20
11.20
11.20
11.20
11.20
growth rate 0.0% 0.0% 0.0% 0.0%
Cash Flow Statement Jan '18 Apr '18 Jul '18 Oct '18 Jan '19
Capital Expenditures 15.05
15.05
15.05
16.45
16.45
growth rate 0.0% 0.0% 9.3% 0.0%
Cash Dividends 33.65
33.65
33.65
16.80
16.80
growth rate 0.0% 0.0% -50.1% 0.0%
Cash From OA 40.85
40.85
40.85
28.15
28.15
growth rate 0.0% 0.0% -31.1% 0.0%
Sale Purchase of Stock
growth rate
FCF 25.80
25.80
25.80
11.70
11.70
growth rate 0.0% 0.0% -54.7% 0.0%
Income Statement Jan '18 Apr '18 Jul '18 Oct '18 Jan '19
Sales 216.70
216.70
204.90
204.90
growth rate 0.0% -5.5% 0.0%
Op.Income 57.70
57.70
57.70
37.95
37.95
growth rate 0.0% 0.0% -34.2% 0.0%
IBT 54.50
54.50
54.50
-121.80
-121.80
growth rate 0.0% 0.0% -100.0% 0.0%
Net Income 43.95
43.95
-124.95
-124.95
growth rate 0.0% -100.0% 0.0%
Gross Profit 117.30
117.30
101.45
101.45
growth rate 0.0% -13.5% 0.0%

Growth Grade & Financial Ratios

All financial ratios below are calculated based on latest annual statements available and present the most up to date snapshot of a company finances.

Growth Grade

Historical Growth Grade:

F (0.00)

YOY Growth Grade:

F (0.00)

Click on buttons above for detailed yearly growth rates.

Market Ratios

Profitability Ratios

Liquidity Ratios

Efficiency Ratios

Value Price

PE and EPS

Historical Current Forward
PE 3.35 3.35
EPS / Growth 0.16

Value Price & Investment Recovery Time

Read more about Stock2Own value price in Stock Market: Fundamental Analysis.

Equity Growth Rate: 1.0%

Estimates Pessimistic Moderate Optimistic My Numbers
Rate of Return 15.0%
MOS Price % 50 %
Future EPS Growth 1.0% 1.0% 1.0%
Future PE 0.01 1.79 1.79
Future EPS 0.18 0.18 0.18
Value Price
MOS %
0.00
-99.9%
0.08
-85.5%
0.08
-85.5%
MOS Price 0.00 0.04 0.04
IRT 3.28 3.28 3.28

Graham Number:

NOTE: The Graham Number applies only to certain types of stocks in combination with a number of other criteria.

Read more about Graham Number in Stock Market: Fundamental Analysis.

Price Chart

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Risk / Reward Ratios

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