SagaLSE:SAGA -0.18%62 FCF Margin % is 21.13% as of Jan. 2026, which is 143% above its 10-year median of 8.71. GuruFocus rates LSE:SAGA with a GF Score™ of 62/100 and a GF Value™ of £1.37 (Significantly Overvalued). The stock has 4 warning signs investors should review. Among 501 Insurance companies, Saga ranks better than 64.67% on this metric.
FCF Margin % is calculated as Free Cash Flow divided by its Revenue. Saga's Free Cash Flow for the
six
months ended in Jan. 2026 was £70.1 Mil. Saga's Revenue for the
six
months ended in Jan. 2026 was £331.8 Mil. Therefore, Saga's FCF Margin % for the quarter that ended in Jan. 2026 was 21.13%.
The historical rank and industry rank for Saga's FCF Margin % or its related term are showing as below:
LSE:SAGA'
s FCF Margin % Range Over the Past 10 Years
Min: -107.67 Med: 8.71 Max: 15.83
Current: 15.29
During the past 13 years, the highest FCF Margin % of Saga was 15.83%. The lowest was -107.67%. And the median was 8.71%.
LSE:SAGA's FCF Margin % is ranked better than 64.67% of 501
companies
in the Insurance industry
Industry Median: 9.6
vs LSE:SAGA: 15.29
Saga FCF Margin % Related Terms
Saga FCF Margin % Historical Data
* Premium members only.
The historical data trend for Saga's FCF Margin % 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.
LSE:SAGA vs BRK.A, AIG, HIG: FCF Margin % Comparison
For the Insurance - Diversified subindustry, Saga's FCF Margin %, along with its competitors' market caps and FCF Margin % 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 FCF Margin % vs Insurance Industry
For the Insurance industry and Financial Services sector, Saga's FCF Margin % distribution charts can be found below:
* The bar in red indicates where Saga's FCF Margin % falls into.
* 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 (LSE:SAGA) has a FCF Margin % of 21.13% as of Jan. 2026. Free cash flow margin is the ratio of total free cash flow to net sales. View historical data on Saga and its competitors. This is 143% above median its historical median of 8.71. According to the industry distribution chart, Saga ranks #177 out of 501 companies in the Insurance industry, placing it in the top 35.3%.
Is Saga's FCF Margin % too high?
Saga's current FCF Margin % of 21.13% is 143% above median its 10-year median of 8.71. The Insurance industry median FCF Margin % is 9.60. Saga's value of 21.13% is 120.1% above this industry median. Based on the distribution chart, Saga ranks #177 out of 501 companies in the Insurance industry, which is above the industry midpoint. Overall, Saga has a GF Score™ of 62/100 and is considered Significantly Overvalued, reflecting its overall financial health beyond just this single metric.
How does Saga's FCF Margin % compare to BRK.A and AIG?
According to the Insurance industry distribution chart, Saga ranks #177 out of 501 companies for FCF Margin %. This puts Saga in the upper half of its industry. The industry median FCF Margin % is 9.60. Saga's value of 21.13% is 120.1% above this benchmark. While the company's 10-year median is 8.71 vs. the industry median of 9.60, Saga has consistently been above the industry average. See the competitive comparison table and distribution chart on this page for a detailed peer-by-peer breakdown.
What is a good FCF Margin % for an Insurance company?
The median FCF Margin % among Insurance companies is 9.60, based on 501 companies in the industry. Companies in the top quartile (top 25%) have a FCF Margin % significantly above this median, while those in the bottom quartile fall well below. However, FCF Margin % should not be evaluated in isolation — investors should consider it alongside profitability, growth, and financial strength metrics. Saga's current FCF Margin % of 21.13% is 120.1% above the industry median. Use the industry distribution chart on this page to see where any company falls relative to its peers.
What does a high FCF Margin % mean?
A high FCF Margin % can signal that a stock is expensive relative to its fundamentals. Free cash flow margin is the ratio of total free cash flow to net sales. View historical data on Saga and its competitors. For the Insurance industry, the median FCF Margin % is 9.60 — values significantly above this may indicate overvaluation, while values below may suggest a bargain or underlying issues. Saga's current FCF Margin % is 21.13%, which is 143% above median its own 10-year median of 8.71. 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 (LSE:SAGA) is currently considered Significantly Overvalued. The stock's GF Value™ is £1.37, compared to a current price of £5.48 — trading 300% above its estimated fair value. The current FCF Margin % is 21.13%, which is 143% above median its 10-year median of 8.71 and 120.1% above the Insurance industry median of 9.60. Saga's overall GF Score™ is 62/100 with 4 warning signs to review. Investors should evaluate multiple metrics — including profitability, growth, and financial strength — before making a decision.
How is FCF Margin % calculated?
FCF Margin % is calculated from a company's financial statements. For Saga (LSE:SAGA), the current FCF Margin % is 21.13% 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 (LSE:SAGA) Overvalued in 2026?
Based on GuruFocus' analysis, Saga stock appears to be overvalued.
The current stock price of £5.48 is trading 300% above its estimated GF Value™ of £1.37.
GuruFocus considers Saga to be Significantly Overvalued.
Key valuation signals for LSE:SAGA:
FCF Margin %: 21.13% (143% above median its 10-year median of 8.71)
GF Value™: £1.37 vs. price of £5.48 (300% above fair value)
Industry Position: 120.1% above the Insurance median (#177 of 501)
No single metric tells the full story. See the LSE:SAGA stock analysis page for a complete view including 30-year financials, guru trades, and insider activity.
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.
62GF Score
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FCF Margin % is just one metric. See GF Value™, 30-year financials, guru trades, warning signs, and more.
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