Sabre Insurance Group (FRA:18M) Scaled Net Operating Assets: -0.13 (As of Dec. 2025)


FRA:18M Sabre Insurance Group PLC FRA:18M
81 GF Score
Price €2.08
GF Value €1.81
Valuation Modestly Overvalued
! 6 Warning Signs
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What is Sabre Insurance Group Scaled Net Operating Assets?

Sabre Insurance Group FRA:18M +5.05% 81 Scaled Net Operating Assets is -0.13 as of Dec. 2025. GuruFocus rates FRA:18M with a GF Score™ of 81/100 and a GF Value™ of €1.81 (Modestly Overvalued). The stock has 6 warning signs investors should review.

Scaled Net Operating Assets (SNOA) is calculated as the difference between operating assets and operating liabilities, scaled by lagged total assets.

Sabre Insurance Group's operating assets for the quarter that ended in Dec. 2025 was €432.2 Mil. Sabre Insurance Group's operating liabilities for the quarter that ended in Dec. 2025 was €539.0 Mil. Sabre Insurance Group's Total Assets for the quarter that ended in Jun. 2025 was €804.1 Mil. Therefore, Sabre Insurance Group's scaled net operating assets (SNOA) for the quarter that ended in Dec. 2025 was -0.13.

FRA:18M
81GF Score
Sabre Insurance Group PLC FRA:18M
Scaled Net Operating Assets is just one metric. See GF Score™, valuation, warning signs, and more.
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Sabre Insurance Group Scaled Net Operating Assets Calculation

Scaled Net Operating Assets (SNOA) is calculated as the difference between operating assets and operating liabilities, scaled by lagged total assets.

Sabre Insurance Group's Scaled Net Operating Assets (SNOA) for the fiscal year that ended in Dec. 2025 is calculated as

Scaled Net Operating Assets (SNOA)(A: Dec. 2025 )
=(Operating Assets (A: Dec. 2025 )-Operating Liabilities (A: Dec. 2025 ))/Total Assets (A: Dec. 2024 )
=(804.637-538.963)/803.855
=0.33

where

Operating Assets(A: Dec. 2025 )
=Total Assets - Balance Sheet Cash And Cash Equivalents
=833.761 - 29.124
=804.637

Operating Liabilities(A: Dec. 2025 )
=Total Liabilities - Long-Term Debt & Capital Lease Obligation - Short-Term Debt & Capital Lease Obligation
=538.963 - 0 - 0
=538.963

Sabre Insurance Group's Scaled Net Operating Assets (SNOA) for the quarter that ended in Dec. 2025 is calculated as

Scaled Net Operating Assets (SNOA)(Q: Dec. 2025 )
=(Operating Assets (Q: Dec. 2025 )-Operating Liabilities (Q: Dec. 2025 ))/Total Assets (Q: Jun. 2025 )
=(432.224-538.963)/804.058
=-0.13

where

Operating Assets(Q: Dec. 2025 )
=Total Assets - Balance Sheet Cash And Cash Equivalents
=833.761 - 401.537
=432.224

Operating Liabilities(Q: Dec. 2025 )
=Total Liabilities - Long-Term Debt & Capital Lease Obligation - Short-Term Debt & Capital Lease Obligation
=538.963 - 0 - 0
=538.963

* 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.

What does a Scaled Net Operating Assets of -0.13 mean?
Sabre Insurance Group (FRA:18M) has a Scaled Net Operating Assets of -0.13 as of Dec. 2025. Scaled net operating assets equals current-period operating assets less operating liabilities less prior-period total assets. View historical data on Sabre Insurance Group and its competitors.
Is Sabre Insurance Group's Scaled Net Operating Assets too high?
Sabre Insurance Group's current Scaled Net Operating Assets is -0.13. Overall, Sabre Insurance Group has a GF Score™ of 81/100 and is considered Modestly Overvalued, reflecting its overall financial health beyond just this single metric.
How does Sabre Insurance Group's Scaled Net Operating Assets compare to MRSH and AON?
Sabre Insurance Group's Scaled Net Operating Assets of -0.13 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 Scaled Net Operating Assets for an Insurance company?
A good Scaled Net Operating Assets depends on the Insurance industry context. However, Scaled Net Operating Assets 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 Scaled Net Operating Assets mean?
A high Scaled Net Operating Assets can signal that a stock is expensive relative to its fundamentals. Scaled net operating assets equals current-period operating assets less operating liabilities less prior-period total assets. View historical data on Sabre Insurance Group and its competitors. Sabre Insurance Group's current Scaled Net Operating Assets is -0.13. However, context matters — high-growth companies often justify higher valuations. Always evaluate alongside other metrics like GF Score™ and GF Value™.
Is Sabre Insurance Group stock overvalued right now?
Based on GuruFocus' analysis, Sabre Insurance Group (FRA:18M) is currently considered Modestly Overvalued. The stock's GF Value™ is €1.81, compared to a current price of €2.08 — trading 14.9% above its estimated fair value. The current Scaled Net Operating Assets is -0.13. Sabre Insurance Group's overall GF Score™ is 81/100 with 6 warning signs to review. Investors should evaluate multiple metrics — including profitability, growth, and financial strength — before making a decision.
How is Scaled Net Operating Assets calculated?
Scaled Net Operating Assets is calculated from a company's financial statements. For Sabre Insurance Group (FRA:18M), the current Scaled Net Operating Assets is -0.13 as of Dec. 2025. 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 Sabre Insurance Group (FRA:18M) Overvalued in 2026?

Based on GuruFocus' analysis, Sabre Insurance Group stock appears to be overvalued. The current stock price of €2.08 is trading 14.9% above its estimated GF Value™ of €1.81. GuruFocus considers Sabre Insurance Group to be Modestly Overvalued.

Key valuation signals for FRA:18M:

  • Scaled Net Operating Assets: -0.13
  • GF Value™: €1.81 vs. price of €2.08 (14.9% above fair value)
  • GF Score™: 81/100 with 6 warning signs

No single metric tells the full story. See the FRA:18M stock analysis page for a complete view including 30-year financials, guru trades, and insider activity.

Sabre Insurance Group Business Description

Other Exchanges SBIGY:USASBREl:UKSBRE:UK
Address 150 South Street, Sabre House, Dorking, Surrey, GBR, RH4 2YY
Sabre Insurance Group PLC is a company operating in the insurance sector. The company is an insurer selling car insurance through brokers and directly. It offers car insurance under the Sabre name and also under the Go Girl, Insure 2 Drive, and Drive Smart brands. Its product offering includes car insurance, commercial vehicle insurance, taxi insurance, and others. The Group provides short-term motor insurance to clients, which comprises three lines of business, Motor Vehicle insurance, Motorcycle insurance and Taxi insurance, of which it derives maximum revenue from Motor Vehicle Insurance. Geographically, It only operates in United Kingdom.
81GF Score

Get the complete analysis for FRA:18M

Scaled Net Operating Assets is just one metric. See GF Value™, 30-year financials, guru trades, warning signs, and more.

€2.08
Price
€1.81
GF Value