Saga (LSE:SAGA) ROE % Adjusted to Book Value: 2.03% (As of Jan. 2026)

Saga LSE:SAGA -1.15% 58 ROE % Adjusted to Book Value is 2.03% as of Jan. 2026. GuruFocus rates LSE:SAGA with a GF Score™ of 58/100 and a GF Value™ of £1.37 (Significantly Overvalued). The stock has 8 warning signs investors should review.

Saga's ROE % for the quarter that ended in Jan. 2026 was 21.79%. Saga's PB Ratio for the quarter that ended in Jan. 2026 was 10.74. Saga's ROE % Adjusted to Book Value for the quarter that ended in Jan. 2026 was 2.03%.

Saga ROE % Adjusted to Book Value Related Terms

Saga ROE % Adjusted to Book Value Historical Data

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The historical data trend for Saga's ROE % Adjusted to Book Value 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 ROE % Adjusted to Book Value Chart

Saga Annual Data

Trend

Jan17

Jan18

Jan19

Jan20

Jan21

Jan22

Jan23

Jan24

Jan25

Jan26

ROE % Adjusted to Book Value

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-6.89

-74.61

-44.11

-38.33

0.53

Saga Semi-Annual Data
	Jul16	Jan17	Jul17	Jan18	Jul18	Jan19	Jul19	Jan20	Jul20	Jan21	Jul21	Jan22	Jul22	Jan23	Jul23	Jan24	Jul24	Jan25	Jul25	Jan26
ROE % Adjusted to Book Value	Get a 7-Day Free Trial															-37.30	-93.18	-44.15	-2.66	2.03

LSE:SAGA vs BRK.A, AIG, HIG: ROE % Adjusted to Book Value Comparison

For the Insurance - Diversified subindustry, Saga's ROE % Adjusted to Book Value, along with its competitors' market caps and ROE % Adjusted to Book Value 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 ROE % Adjusted to Book Value vs Insurance Industry

For the Insurance industry and Financial Services sector, Saga's ROE % Adjusted to Book Value distribution charts can be found below:

* The bar in red indicates where Saga's ROE % Adjusted to Book Value falls into.

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58GF Score

Saga PLC LSE:SAGA

ROE % Adjusted to Book Value is just one metric. See GF Score™, valuation, warning signs, and more.

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Saga ROE % Adjusted to Book Value Calculation

Saga's ROE % Adjusted to Book Value for the fiscal year that ended in Jan. 2026 is calculated as

ROE % Adjusted to Book Value	=	ROE %	/	PB Ratio
	=	5.65%	/	10.74
	=	0.53%

Saga's ROE % Adjusted to Book Value for the quarter that ended in Jan. 2026 is calculated as

ROE % Adjusted to Book Value	=	ROE %	/	PB Ratio
	=	21.79%	/	10.74
	=	2.03%

Frequently Asked Questions Learn more about ROE % Adjusted to Book Value →

What does a ROE % Adjusted to Book Value of 2.03% mean?

Saga (LSE:SAGA) has a ROE % Adjusted to Book Value of 2.03% as of Jan. 2026. Return on equity adjusted to book is the ratio of return on equity to price-book ratio. View historical data on Saga and its competitors.

Is Saga's ROE % Adjusted to Book Value too high?

Saga's current ROE % Adjusted to Book Value is 2.03%. Overall, Saga has a GF Score™ of 58/100 and is considered Significantly Overvalued, reflecting its overall financial health beyond just this single metric.

How does Saga's ROE % Adjusted to Book Value compare to BRK.A and AIG?

Saga's ROE % Adjusted to Book Value of 2.03% can be compared against companies in the Insurance industry. See the competitive comparison table and distribution chart on this page for a detailed peer-by-peer breakdown.

What is a good ROE % Adjusted to Book Value for an Insurance company?

A good ROE % Adjusted to Book Value depends on the Insurance industry context. However, ROE % Adjusted to Book Value should not be evaluated in isolation — investors should consider it alongside profitability, growth, and financial strength metrics. Use the industry distribution chart on this page to see where any company falls relative to its peers.

What does a high ROE % Adjusted to Book Value mean?

A high ROE % Adjusted to Book Value can signal that a stock is expensive relative to its fundamentals. Return on equity adjusted to book is the ratio of return on equity to price-book ratio. View historical data on Saga and its competitors. Saga's current ROE % Adjusted to Book Value is 2.03%. 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 £6.01 — trading 338.7% above its estimated fair value. The current ROE % Adjusted to Book Value is 2.03%. Saga's overall GF Score™ is 58/100 with 8 warning signs to review. Investors should evaluate multiple metrics — including profitability, growth, and financial strength — before making a decision.

How is ROE % Adjusted to Book Value calculated?

ROE % Adjusted to Book Value is calculated from a company's financial statements. For Saga (LSE:SAGA), the current ROE % Adjusted to Book Value is 2.03% 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 £6.01 is trading 338.7% above its estimated GF Value™ of £1.37. GuruFocus considers Saga to be Significantly Overvalued.

Key valuation signals for LSE:SAGA:

ROE % Adjusted to Book Value: 2.03%
GF Value™: £1.37 vs. price of £6.01 (338.7% above fair value)
GF Score™: 58/100 with 8 warning signs

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

Industry Financial Services Insurance

Comparable Companies LSE:HUW BRK.A XTER:ALV XSWX:ZURN XPAR:CS MIL:G TSX:SLF AIG HIG ACGL XTER:TLX XSWX:SLHN OHEL:SAMPO XSWX:HBAN LSE:AV.XAMS:NN XBRU:AGS XAMS:ASRNL XMAD:MAP BSP:BBSE3

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, 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.

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£6.01

Price

£1.37

GF Value

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