Saga (LSE:SAGA) Debt-to-EBITDA

: 0.00 (As of Jul. 2023)

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Debt-to-EBITDA measures a company's ability to pay off its debt.

Saga's Short-Term Debt & Capital Lease Obligation for the quarter that ended in Jul. 2023 was £0.0 Mil. Saga's Long-Term Debt & Capital Lease Obligation for the quarter that ended in Jul. 2023 was £0.0 Mil. Saga's annualized EBITDA for the quarter that ended in Jul. 2023 was £72.6 Mil. Saga's annualized Debt-to-EBITDA for the quarter that ended in Jul. 2023 was 0.00.

A high Debt-to-EBITDA ratio generally means that a company may spend more time to paying off its debt. According to Joel Tillinghast's BIG MONEY THINKS SMALL: Biases, Blind Spots, and Smarter Investing, a ratio of Debt-to-EBITDA exceeding four is usually considered scary unless tangible assets cover the debt.

The historical rank and industry rank for Saga's Debt-to-EBITDA or its related term are showing as below:

LSE:SAGA' s Debt-to-EBITDA Range Over the Past 10 Years
Min: 1.93 Med: 3.89 Max: 16.24
Current: 10.93

During the past 12 years, the highest Debt-to-EBITDA Ratio of Saga was 16.24. The lowest was 1.93. And the median was 3.89.

LSE:SAGA's Debt-to-EBITDA is ranked worse than
94.86% of 292 companies
in the Insurance industry
Industry Median: 1.5 vs LSE:SAGA: 10.93

Saga Debt-to-EBITDA Historical Data

The historical data trend for Saga's Debt-to-EBITDA 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.

* Premium members only.

Saga Annual Data

Trend

Jan14

Jan15

Jan16

Jan17

Jan18

Jan19

Jan20

Jan21

Jan22

Jan23

Debt-to-EBITDA

1.93

3.86

14.59

16.24

8.96

Saga Semi-Annual Data
	Jan14	Jul14	Jan15	Jul15	Jan16	Jul16	Jan17	Jul17	Jan18	Jul18	Jan19	Jul19	Jan20	Jul20	Jan21	Jul21	Jan22	Jul22	Jan23	Jul23
Debt-to-EBITDA																12.92	20.62	8.87	9.84	-

Competitive Comparison

For the Insurance - Diversified subindustry, Saga's Debt-to-EBITDA, along with its competitors' market caps and Debt-to-EBITDA data, can be viewed below:

* Competitive companies are chosen from companies within the same industry, with headquarter located in same country, with closest market capitalization; x-axis shows the market cap, and y-axis shows the term value; the bigger the dot, the larger the market cap. Note that "N/A" values will not show up in the chart.

Saga Debt-to-EBITDA Distribution

For the Insurance industry and Financial Services sector, Saga's Debt-to-EBITDA distribution charts can be found below:

* The bar in red indicates where Saga's Debt-to-EBITDA falls into.

Saga Debt-to-EBITDA Calculation

Debt-to-EBITDA measures a company's ability to pay off its debt.

Saga's Debt-to-EBITDA for the fiscal year that ended in Jan. 2023 is calculated as

Debt-to-EBITDA	=	Total Debt			/	EBITDA
	=	(Short-Term Debt & Capital Lease Obligation	+	Long-Term Debt & Capital Lease Obligation)	/	EBITDA
	=	(4.4	+	887.2)	/	99.5
	=	8.96

Saga's annualized Debt-to-EBITDA for the quarter that ended in Jul. 2023 is calculated as

Debt-to-EBITDA	=	Total Debt			/	EBITDA
	=	(Short-Term Debt & Capital Lease Obligation	+	Long-Term Debt & Capital Lease Obligation)	/	EBITDA
	=	(0	+	0)	/	72.6
	=	0.00

In the calculation of annual Debt-to-EBITDA, the EBITDA of the last fiscal year is used. In calculating the annualized quarterly data, the EBITDA data used here is two times the quarterly (Jul. 2023) EBITDA data.

Saga (LSE:SAGA) Debt-to-EBITDA Explanation

In the calculation of Debt-to-EBITDA, we use the total of Short-Term Debt & Capital Lease Obligation and Long-Term Debt & Capital Lease Obligation divided by EBITDA. In some calculations, Total Liabilities is used to for calculation.

Be Aware

A high Debt-to-EBITDA ratio generally means that a company may spend more time to paying off its debt.

According to Joel Tillinghast's BIG MONEY THINKS SMALL: Biases, Blind Spots, and Smarter Investing, a ratio of Debt-to-EBITDA exceeding four is usually considered scary unless tangible assets cover the debt.

Saga Debt-to-EBITDA Related Terms

Thank you for viewing the detailed overview of Saga's Debt-to-EBITDA provided by GuruFocus.com. Please click on the following links to see related term pages.

Saga (LSE:SAGA) Business Description

Industry

GURUFOCUS.COM » STOCK LIST » Financial Services » Insurance » Saga PLC (LSE:SAGA) » Definitions » Debt-to-EBITDA

Comparable Companies

Traded in Other Exchanges

SAGAl:UK 65J:Germany

Address

3 Pancras Square, London, GBR, N1C 4AG

Website

https://www.saga.co.uk

Saga PLC is a diversified insurance company that also offers lifestyle products and services. The company operates in two main segments: insurance, Cruise and travel. The company generates the vast majority of its revenue from the insurance segment, specifically through premiums and credit income. 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 and also from Cruise and travel segment.