Saga (LSE:SAGA) ROCE %: 7.33% (As of Jan. 2026)


LSE:SAGA Saga PLC LSE:SAGA
62 GF Score
Price £5.48
GF Value £1.37
Valuation Significantly Overvalued
! 4 Warning Signs
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What is Saga ROCE %?

Saga LSE:SAGA -0.18% 62 ROCE % is 7.33% as of Jan. 2026. 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.

ROCE % measures how well a company generates profits from its capital. It is calculated as EBIT divided by Capital Employed, where Capital Employed is calculated as Total Assets minus Total Current Liabilities. Saga's annualized ROCE % for the quarter that ended in Jan. 2026 was 7.33%.

Saga  (LSE:SAGA) ROCE % Explanation

ROCE % can be especially useful when comparing the performance of capital-intensive companies. Unlike ROE %, which indicates the profitability of Shareholders Equity, ROCE % also considers long-term debt in Capital Employed. This can be helpful when analyzing companies with significant debt, as the result is neutralized by taking debt into consideration.

Generally speaking, a higher ROCE % indicates a stonger profitability for a company. Moreover, it is important to look at the ratio from a long term perspective. Investors tend to favor companies with stable and rising ROCE % trend over those with volatile ones.

Saga ROCE % Related Terms

Saga ROCE % Historical Data

* Premium members only.

The historical data trend for Saga's ROCE % 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 ROCE % Chart

Saga Annual Data
Trend Jan17 Jan18 Jan19 Jan20 Jan21 Jan22 Jan23 Jan24 Jan25 Jan26
ROCE %
Get a 7-Day Free Trial Premium Member Only Premium Member Only 0.74 -13.25 -5.84 -11.19 9.18

Saga Semi-Annual Data
Jul16 Jan17 Jul17 Jan18 Jul18 Jan19 Jul19 Jan20 Jul20 Jan21 Jul21 Jan22 Jul22 Jan23 Jul23 Jan24 Jul24 Jan25 Jul25 Jan26
ROCE % 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 -4.26 -14.43 -3.76 11.22 7.33
LSE:SAGA
62GF Score
Saga PLC LSE:SAGA
ROCE % is just one metric. See GF Score™, valuation, warning signs, and more.
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Saga ROCE % Calculation

Saga's annualized ROCE % for the fiscal year that ended in Jan. 2026 is calculated as:

ROCE %=EBIT/( (Capital Employed+Capital Employed)/ count )
(A: Jan. 2026 )  (A: Jan. 2025 )(A: Jan. 2026 )
=EBIT/( ( (Total Assets - Total Current Liabilities)+(Total Assets - Total Current Liabilities) )/ count )
(A: Jan. 2026 )  (A: Jan. 2025 )(A: Jan. 2026 )
=67.9/( ( (1588.3 - 861) + (1275.6 - 523.7) )/ 2 )
=67.9/( (727.3+751.9)/ 2 )
=67.9/739.6
=9.18 %

Saga's ROCE % of for the quarter that ended in Jan. 2026 is calculated as:

ROCE %=EBIT (1)/( (Capital Employed+Capital Employed)/ count )
(Q: Jan. 2026 )  (Q: Jul. 2025 )(Q: Jan. 2026 )
=EBIT/( ( (Total Assets - Total Current Liabilities)+(Total Assets - Total Current Liabilities) )/ count )
(Q: Jan. 2026 )  (Q: Jul. 2025 )(Q: Jan. 2026 )
=54.2/( ( (1275.3 - 547.7) + (1275.6 - 523.7) )/ 2 )
=54.2/( ( 727.6 + 751.9 )/ 2 )
=54.2/739.75
=7.33 %

(1) Note: The EBIT data used here is two times the semi-annual (Jan. 2026) EBIT data.

* 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 ROCE % →
What does a ROCE % of 7.33% mean?
Saga (LSE:SAGA) has a ROCE % of 7.33% as of Jan. 2026.
Is Saga's ROCE % too high?
Saga's current ROCE % is 7.33%. The Insurance industry median ROCE % is 8.20. Saga's value of 7.33% is 10.6% below this industry median. 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 ROCE % compare to BRK.A and AIG?
Saga's ROCE % of 7.33% can be compared against companies in the Insurance industry. The industry median ROCE % is 8.20. Saga's value of 7.33% is 10.6% below this benchmark. See the competitive comparison table and distribution chart on this page for a detailed peer-by-peer breakdown.
What is a good ROCE % for an Insurance company?
The median ROCE % among Insurance companies is 8.20, based on 62 companies in the industry. Companies in the top quartile (top 25%) have a ROCE % significantly above this median, while those in the bottom quartile fall well below. However, ROCE % should not be evaluated in isolation — investors should consider it alongside profitability, growth, and financial strength metrics. Saga's current ROCE % of 7.33% is 10.6% below 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 ROCE % mean?
A high ROCE % can signal that a stock is expensive relative to its fundamentals. For the Insurance industry, the median ROCE % is 8.20 — values significantly above this may indicate overvaluation, while values below may suggest a bargain or underlying issues. Saga's current ROCE % is 7.33%. 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 ROCE % is 7.33% and 10.6% below the Insurance industry median of 8.20. 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 ROCE % calculated?
ROCE % is calculated from a company's financial statements. For Saga (LSE:SAGA), the current ROCE % is 7.33% 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:

  • ROCE %: 7.33%
  • GF Value™: £1.37 vs. price of £5.48 (300% above fair value)
  • GF Score™: 62/100 with 4 warning signs
  • Industry Position: 10.6% below the Insurance median

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 Business Description

Other Exchanges SAGAl: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.
62GF Score

Get the complete analysis for LSE:SAGA

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

£5.48
Price
£1.37
GF Value