SagaFRA:65J +8.49%62 OCF Margin % is 22.48% as of Jan. 2026, which is 47% above its 10-year median of 15.27. GuruFocus rates FRA:65J with a GF Score™ of 62/100 and a GF Value™ of €1.68 (Significantly Overvalued). The stock has 4 warning signs investors should review. Among 501 Insurance companies, Saga ranks better than 67.07% on this metric.
OCF Margin % is calculated as Cash Flow from Operations divided by its Revenue. Saga's Cash Flow from Operations for the
six
months ended in Jan. 2026 was €85.9 Mil. Saga's Revenue for the
six
months ended in Jan. 2026 was €382.1 Mil. Therefore, Saga's OCF Margin % for the quarter that ended in Jan. 2026 was 22.48%.
The historical rank and industry rank for Saga's OCF Margin % or its related term are showing as below:
FRA:65J'
s OCF Margin % Range Over the Past 10 Years
Min: -23.22 Med: 15.27 Max: 19.24
Current: 17.72
During the past 13 years, the highest OCF Margin % of Saga was 19.24%. The lowest was -23.22%. And the median was 15.27%.
FRA:65J's OCF Margin % is ranked better than 67.07% of 501
companies
in the Insurance industry
Industry Median: 10.85
vs FRA:65J: 17.72
Saga OCF Margin % Related Terms
Saga OCF Margin % Historical Data
* Premium members only.
The historical data trend for Saga's OCF 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.
FRA:65J vs BRK.A, AIG, HIG: OCF Margin % Comparison
For the Insurance - Diversified subindustry, Saga's OCF Margin %, along with its competitors' market caps and OCF 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 OCF Margin % vs Insurance Industry
For the Insurance industry and Financial Services sector, Saga's OCF Margin % distribution charts can be found below:
* The bar in red indicates where Saga's OCF 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 (FRA:65J) has a OCF Margin % of 22.48% as of Jan. 2026. OCF Margin is the ratio of Cash Flow from Operations to Total Revenue. View historical data on Saga and its competitors. This is 47% above median its historical median of 15.27. According to the industry distribution chart, Saga ranks #165 out of 501 companies in the Insurance industry, placing it in the top 32.9%.
Is Saga's OCF Margin % too high?
Saga's current OCF Margin % of 22.48% is 47% above median its 10-year median of 15.27. The Insurance industry median OCF Margin % is 10.85. Saga's value of 22.48% is 107.2% above this industry median. Based on the distribution chart, Saga ranks #165 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 OCF Margin % compare to BRK.A and AIG?
According to the Insurance industry distribution chart, Saga ranks #165 out of 501 companies for OCF Margin %. This puts Saga in the upper half of its industry. The industry median OCF Margin % is 10.85. Saga's value of 22.48% is 107.2% above this benchmark. While the company's 10-year median is 15.27 vs. the industry median of 10.85, 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 OCF Margin % for an Insurance company?
The median OCF Margin % among Insurance companies is 10.85, based on 501 companies in the industry. Companies in the top quartile (top 25%) have a OCF Margin % significantly above this median, while those in the bottom quartile fall well below. However, OCF Margin % should not be evaluated in isolation — investors should consider it alongside profitability, growth, and financial strength metrics. Saga's current OCF Margin % of 22.48% is 107.2% 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 OCF Margin % mean?
A high OCF Margin % can signal that a stock is expensive relative to its fundamentals. OCF Margin is the ratio of Cash Flow from Operations to Total Revenue. View historical data on Saga and its competitors. For the Insurance industry, the median OCF Margin % is 10.85 — values significantly above this may indicate overvaluation, while values below may suggest a bargain or underlying issues. Saga's current OCF Margin % is 22.48%, which is 47% above median its own 10-year median of 15.27. 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 (FRA:65J) is currently considered Significantly Overvalued. The stock's GF Value™ is €1.68, compared to a current price of €6.90 — trading 310.7% above its estimated fair value. The current OCF Margin % is 22.48%, which is 47% above median its 10-year median of 15.27 and 107.2% above the Insurance industry median of 10.85. 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 OCF Margin % calculated?
OCF Margin % is calculated from a company's financial statements. For Saga (FRA:65J), the current OCF Margin % is 22.48% 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 (FRA:65J) Overvalued in 2026?
Based on GuruFocus' analysis, Saga stock appears to be overvalued.
The current stock price of €6.90 is trading 310.7% above its estimated GF Value™ of €1.68.
GuruFocus considers Saga to be Significantly Overvalued.
Key valuation signals for FRA:65J:
OCF Margin %: 22.48% (47% above median its 10-year median of 15.27)
GF Value™: €1.68 vs. price of €6.90 (310.7% above fair value)
Industry Position: 107.2% above the Insurance median (#165 of 501)
No single metric tells the full story. See the FRA:65J 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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OCF Margin % is just one metric. See GF Value™, 30-year financials, guru trades, warning signs, and more.
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