SagaLSE:SAGA -0.18%62 PB Ratio is 12.29 as of Jun. 25, 2026, which is 1539% above its 10-year median of 0.75. 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 497 Insurance companies, Saga ranks worse than 98.79% on this metric.
The PB Ratio, or Price-to-Book ratio, or Price/Book, is a financial ratio used to compare a company's market price to its Book Value per Share. As of today (2026-06-25), Saga's share price is £5.95. Saga's Book Value per Share for the quarter that ended in Jan. 2026 was £0.48. Hence, Saga's PB Ratio of today is 12.29.
The historical rank and industry rank for Saga's PB Ratio or its related term are showing as below:
LSE:SAGA'
s PB Ratio Range Over the Past 10 Years
Min: 0.16 Med: 0.75 Max: 12.91
Current: 11.33
During the past 13 years, Saga's highest PB Ratio was 12.91. The lowest was 0.16. And the median was 0.75.
LSE:SAGA's PB Ratio is ranked worse than 98.79% of 497
companies
in the Insurance industry
Industry Median: 1.38
vs LSE:SAGA: 11.33
During the past 12 months, Saga's average Book Value Per Share Growth Rate was 19.50% per year.
During the past 3 years, the average Book Value Per Share Growth Rate was -42.90% per year.
During the past 5 years, the average Book Value Per Share Growth Rate was -42.50% per year.
During the past 10 years, the average Book Value Per Share Growth Rate was -31.20% per year.
During the past 13 years, the highest 3-Year average Book Value Per Share Growth Rate of Saga was 7.30% per year. The lowest was -55.60% per year. And the median was -23.80% per year.
The PB Ratio works the best for the businesses that earn most of their profit from their assets, e.g. banks and insurance companies.
Be Aware
Some businesses have very light assets, such as software companies or insurance agencies. The PB Ratio does not work well for these companies. Some companies even have negative equity, so the PB Ratio cannot be applied to them.
Saga PB Ratio Related Terms
Saga PB Ratio Historical Data
* Premium members only.
The historical data trend for Saga's PB Ratio 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.
For the Insurance - Diversified subindustry, Saga's PB Ratio, along with its competitors' market caps and PB Ratio 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 PB Ratio vs Insurance Industry
For the Insurance industry and Financial Services sector, Saga's PB Ratio distribution charts can be found below:
* The bar in red indicates where Saga's PB Ratio falls into.
The PB Ratio, or Price-to-Book ratio, or Price/Book, is a financial ratio used to compare a company's market price to its Book Value per Share. It is a ratio widely used to value stocks.
Saga's PB Ratio for today is calculated as follows:
* 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.
It can also be calculated from the numbers for the whole company:
A closely related ratio is called Price-to-Tangible-Book. The difference between Price-to-Tangible-Book and PB Ratio is that book value other than intangibles are used in the calculation.
Saga (LSE:SAGA) has a PB Ratio of 12.29 as of Jun. 25, 2026. Price-to-Book ratio is the ratio of share price to a company's book value per share. View historical data on Saga and its competitors. This is 1539% above median its historical median of 0.75. Over the past decade, Saga's PB Ratio has ranged from 0.16 to 12.91. According to the industry distribution chart, Saga ranks #491 out of 497 companies in the Insurance industry, placing it in the top 98.8%.
Is Saga's PB Ratio too high?
Saga's current PB Ratio of 12.29 is 1539% above median its 10-year median of 0.75. Over the past 10 years, this metric has ranged from a low of 0.16 to a high of 12.91. The Insurance industry median PB Ratio is 1.38. Saga's value of 12.29 is 790.6% above this industry median. Based on the distribution chart, Saga ranks #491 out of 497 companies in the Insurance industry, which is in the bottom quartile relative to peers. 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 PB Ratio compare to BRK.A and AIG?
According to the Insurance industry distribution chart, Saga ranks #491 out of 497 companies for PB Ratio. This places Saga in the lower half of its industry. The industry median PB Ratio is 1.38. Saga's value of 12.29 is 790.6% above this benchmark. Historically, Saga's own PB Ratio has ranged from 0.16 to 12.91 over the past decade. While the company's 10-year median is 0.75 vs. the industry median of 1.38, 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 PB Ratio for an Insurance company?
The median PB Ratio among Insurance companies is 1.38, based on 497 companies in the industry. Companies in the top quartile (top 25%) have a PB Ratio significantly above this median, while those in the bottom quartile fall well below. However, PB Ratio should not be evaluated in isolation — investors should consider it alongside profitability, growth, and financial strength metrics. Saga's current PB Ratio of 12.29 is 790.6% 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 PB Ratio mean?
A high PB Ratio can signal that a stock is expensive relative to its fundamentals. Price-to-Book ratio is the ratio of share price to a company's book value per share. View historical data on Saga and its competitors. For the Insurance industry, the median PB Ratio is 1.38 — values significantly above this may indicate overvaluation, while values below may suggest a bargain or underlying issues. Saga's current PB Ratio is 12.29, which is 1539% above median its own 10-year median of 0.75. 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 £5.95 — trading 334.3% above its estimated fair value. The current PB Ratio is 12.29, which is 1539% above median its 10-year median of 0.75 and 790.6% above the Insurance industry median of 1.38. 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 PB Ratio calculated?
PB Ratio is calculated from a company's financial statements. For Saga (LSE:SAGA), the current PB Ratio is 12.29 as of Jun. 25, 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 £5.95 is trading 334.3% above its estimated GF Value™ of £1.37.
GuruFocus considers Saga to be Significantly Overvalued.
Key valuation signals for LSE:SAGA:
PB Ratio: 12.29 (1539% above median its 10-year median of 0.75)
GF Value™: £1.37 vs. price of £5.95 (334.3% above fair value)
Industry Position: 790.6% above the Insurance median (#491 of 497)
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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