Saga (CHIX:SAGAL) Change In Receivables: £0.0 Mil (TTM As of Jan. 2026)

Author: Vera Yuan Vera Yuan
Vera Yuan
Vera Yuan
Director of Data and Quant Analytics at GuruFocus
Focused on building reliable datasets, financial models, and research tools for value-minded investors. Committed to turning complex data into practical guidance for value-investing and long-term wealth.
Reviewed by: Charlie Tian Charlie Tian
Charlie Tian
Charlie Tian
Founder & CEO of GuruFocus
Dr. Charlie Tian is the founder and CEO of GuruFocus.com, a leading global investment research platform established in 2004. With a Ph.D. in physics, Dr. Tian transitioned from science to finance, applying a data-driven, disciplined approach to value investing.

CHIX:SAGAL Saga PLC CHIX:SAGAL
54 GF Score
Price £7.38
GF Value £1.37
Valuation Significantly Overvalued
! 10 Warning Signs
View Full Analysis

What is Saga Change In Receivables?

Saga CHIX:SAGAL +2.07% 54 Change In Receivables is £0.0 Mil as of Jan. 2026. GuruFocus rates CHIX:SAGAL with a GF Score™ of 54/100 and a GF Value™ of £1.37 (Significantly Overvalued). The stock has 10 warning signs investors should review.

Saga's change in receivables for the quarter that ended in Jan. 2026 was £0.0 Mil. It means Saga's Accounts Receivable stayed the same from Jul. 2025 to Jan. 2026 .

Saga's change in receivables for the fiscal year that ended in Jan. 2026 was £0.0 Mil. It means Saga's Accounts Receivable stayed the same from Jan. 2025 to Jan. 2026 .

Saga's Accounts Receivable for the quarter that ended in Jan. 2026 was £98.4 Mil.

Days Sales Outstanding measures of the average number of days that a company takes to collect revenue after a sale has been made. It is a financial ratio that illustrates how well a company's Accounts Receivable are being managed. Saga's Days Sales Outstanding for the six months ended in Jan. 2026 was 54.12.

In Ben Graham's calculation of liquidation value, Apple Inc's Accounts Receivable are only considered to be worth 75% of book value. Saga's liquidation value for the six months ended in Jan. 2026 was £-869.9 Mil.

Saga  (CHIX:SAGAl) Change In Receivables Explanation

1. Accounts Receivable are created when a customer has received a product but has not yet paid for that product. Days Sales Outstanding measures of the average number of days that a company takes to collect revenue after a sale has been made. It is a financial ratio that illustrates how well a company's Accounts Receivable are being managed.

Saga's Days Sales Outstanding for the quarter that ended in Jan. 2026 is calculated as:

Days Sales Outstanding
=Accounts Receivable/Revenue*Days in Period
=98.4/331.8*91
=54.12

2. In Ben Graham's calculation of liquidation value, Saga's accounts receivable are only considered to be worth 75% of book value:

Saga's liquidation value for the quarter that ended in Jan. 2026 is calculated as:

Liquidation Value
=Cash, Cash Equivalents, Marketable Securities-Total Liabilities+(0.75 * Accounts Receivable)+(0.5 * Total Inventories)
=258-1205.9+0.75 * 98.4+0.5 * 8.4
=-869.9

* For Operating Data section: All numbers are indicated by the unit behind each term and all currency related amount are in USD.
* For other sections: All numbers are in millions except for per share data, ratio, and percentage. All currency related amount are indicated in the company's associated stock exchange currency.

Saga Change In Receivables Related Terms

Saga Change In Receivables Historical Data

* Premium members only.

The historical data trend for Saga's Change In Receivables can be seen below:

* For Operating Data section: All numbers are indicated by the unit behind each term and all currency related amount are in USD.
* For other sections: All numbers are in millions except for per share data, ratio, and percentage. All currency related amount are indicated in the company's associated stock exchange currency.

Saga Change In Receivables Chart

Saga Annual Data
Trend Jan17 Jan18 Jan19 Jan20 Jan21 Jan22 Jan23 Jan24 Jan25 Jan26
Change In Receivables
Get a 7-Day Free Trial Premium Member Only Premium Member Only 0.00 0.00 0.00 0.00 0.00

Saga Semi-Annual Data
Jul16 Jan17 Jul17 Jan18 Jul18 Jan19 Jul19 Jan20 Jul20 Jan21 Jul21 Jan22 Jul22 Jan23 Jul23 Jan24 Jul24 Jan25 Jul25 Jan26
Change In Receivables Get a 7-Day Free Trial Premium Member Only Premium Member Only Premium Member Only Premium Member Only Premium Member Only Premium Member Only Premium Member Only Premium Member Only Premium Member Only Premium Member Only Premium Member Only Premium Member Only 0.00 0.00 0.00 0.00 0.00
CHIX:SAGAL
54GF Score
Saga PLC CHIX:SAGAL
Change In Receivables is just one metric. See GF Score™, valuation, warning signs, and more.
View Full Analysis

Saga Change In Receivables Calculation

Change In Accounts Receivable relative to the previous period. It is any increase or decrease in the cash a company is owed by its customers.

Change In Receivables for the trailing twelve months (TTM) ended in Jan. 2026 adds up the semi-annually data reported by the company within the most recent 12 months, which was £0.0 Mil.

* For Operating Data section: All numbers are indicated by the unit behind each term and all currency related amount are in USD.
* For other sections: All numbers are in millions except for per share data, ratio, and percentage. All currency related amount are indicated in the company's associated stock exchange currency.

Frequently Asked Questions Learn more about Change In Receivables →
What does a Change In Receivables of £0.0 Mil mean?
Saga (CHIX:SAGAL) has a Change In Receivables of £0.0 Mil as of Jan. 2026. Change in Receivables is the difference between current-period receivables and past-period receivables. View historical data for Saga and its competitors.
Is Saga's Change In Receivables too high?
Saga's current Change In Receivables is £0.0 Mil. Overall, Saga has a GF Score™ of 54/100 and is considered Significantly Overvalued, reflecting its overall financial health beyond just this single metric.
How does Saga's Change In Receivables compare to BRK.A and AIG?
Saga's Change In Receivables of £0.0 Mil can be compared against companies in the Insurance industry. See the competitive comparison table and distribution chart on this page for a detailed peer-by-peer breakdown.
What is a good Change In Receivables for an Insurance company?
A good Change In Receivables depends on the Insurance industry context. However, Change In Receivables should not be evaluated in isolation — investors should consider it alongside profitability, growth, and financial strength metrics. Use the industry distribution chart on this page to see where any company falls relative to its peers.
What does a high Change In Receivables mean?
A high Change In Receivables can signal that a stock is expensive relative to its fundamentals. Change in Receivables is the difference between current-period receivables and past-period receivables. View historical data for Saga and its competitors. Saga's current Change In Receivables is £0.0 Mil. However, context matters — high-growth companies often justify higher valuations. Always evaluate alongside other metrics like GF Score™ and GF Value™.
Is Saga stock overvalued right now?
Based on GuruFocus' analysis, Saga (CHIX:SAGAL) is currently considered Significantly Overvalued. The stock's GF Value™ is £1.37, compared to a current price of £7.38 — trading 438.7% above its estimated fair value. The current Change In Receivables is £0.0 Mil. Saga's overall GF Score™ is 54/100 with 10 warning signs to review. Investors should evaluate multiple metrics — including profitability, growth, and financial strength — before making a decision.
How is Change In Receivables calculated?
Change In Receivables is calculated from a company's financial statements. For Saga (CHIX:SAGAL), the current Change In Receivables is £0.0 Mil as of Jan. 2026. GuruFocus calculates this using data sourced from SEC filings and annual reports. See the calculation section and 30-year financial data on this page for the full breakdown.

Is Saga (CHIX:SAGAL) Overvalued in 2026?

Based on GuruFocus' analysis, Saga stock appears to be overvalued. The current stock price of £7.38 is trading 438.7% above its estimated GF Value™ of £1.37. GuruFocus considers Saga to be Significantly Overvalued.

Key valuation signals for CHIX:SAGAL:

  • Change In Receivables: £0.0 Mil
  • GF Value™: £1.37 vs. price of £7.38 (438.7% above fair value)
  • GF Score™: 54/100 with 10 warning signs

No single metric tells the full story. See the CHIX:SAGAL stock analysis page for a complete view including 30-year financials, guru trades, and insider activity.

Saga Business Description

Other Exchanges SAGA:UK65J:Germany
Address 3 Pancras Square, London, GBR, N1C 4AG
Saga PLC is a diversified insurance company that also offers lifestyle products and services. The company operates in two main segments: Insurance, travel and Other. The company generates the vast majority of its revenue from the insurance segment, specifically through premiums and broking revenues. This segment offers retail motor broking, retail home broking, and underwriting products and services. The travel segment provides group tours, holiday packages, and cruises. Saga's customers are people aged 50 and older, and all revenue comes from the United Kingdom.
54GF Score

Get the complete analysis for CHIX:SAGAL

Change In Receivables is just one metric. See GF Value™, 30-year financials, guru trades, warning signs, and more.

£7.38
Price
£1.37
GF Value