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SAGA PURE ASA (SAGA.OL) Stock Fundamental Analysis

OSL:SAGA - Euronext Oslo - NO0010572589 - Common Stock - Currency: NOK

1.325  +0.01 (+0.76%)

Fundamental Rating

4

Overall SAGA gets a fundamental rating of 4 out of 10. We evaluated SAGA against 51 industry peers in the Financial Services industry. While SAGA has a great health rating, there are worries on its profitability. SAGA has a expensive valuation and it also scores bad on growth.


Dividend Valuation Growth Profitability Health

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2

1. Profitability

1.1 Basic Checks

SAGA had positive earnings in the past year.
In the past year SAGA has reported a negative cash flow from operations.
In multiple years SAGA reported negative net income over the last 5 years.
The reported operating cash flow has been mixed in the past 5 years: SAGA reported negative operating cash flow in multiple years.
SAGA.OL Yearly Net Income VS EBIT VS OCF VS FCFSAGA.OL Yearly Net Income VS EBIT VS OCF VS FCFYearly Net Income VS EBIT VS OCF VS FCF 2015 2016 2017 2018 2019 2020 2021 2022 2023 2024 0 100M -100M 200M

1.2 Ratios

With a Return On Assets value of 1.83%, SAGA perfoms like the industry average, outperforming 43.14% of the companies in the same industry.
SAGA's Return On Equity of 1.84% is on the low side compared to the rest of the industry. SAGA is outperformed by 66.67% of its industry peers.
Industry RankSector Rank
ROA 1.83%
ROE 1.84%
ROIC N/A
ROA(3y)-5.91%
ROA(5y)5.15%
ROE(3y)-5.95%
ROE(5y)5.23%
ROIC(3y)N/A
ROIC(5y)N/A
SAGA.OL Yearly ROA, ROE, ROICSAGA.OL Yearly ROA, ROE, ROICYearly ROA, ROE, ROIC 2015 2016 2017 2018 2019 2020 2021 2022 2023 2024 0 10 -10 20 -20

1.3 Margins

SAGA has a Profit Margin of -77.13%. This is in the lower half of the industry: SAGA underperforms 66.67% of its industry peers.
In the last couple of years the Operating Margin of SAGA has grown nicely.
The Operating Margin and Gross Margin are not available for SAGA so they could not be analyzed.
Industry RankSector Rank
OM N/A
PM (TTM) -77.13%
GM N/A
OM growth 3Y28.87%
OM growth 5Y16.16%
PM growth 3YN/A
PM growth 5YN/A
GM growth 3YN/A
GM growth 5YN/A
SAGA.OL Yearly Profit, Operating, Gross MarginsSAGA.OL Yearly Profit, Operating, Gross MarginsYearly Profit, Operating, Gross Margins 2015 2016 2017 2018 2019 2020 2021 2022 2023 2024 0 1K 2K

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9

2. Health

2.1 Basic Checks

Compared to 1 year ago, SAGA has about the same amount of shares outstanding.
The number of shares outstanding for SAGA has been increased compared to 5 years ago.
There is no outstanding debt for SAGA. This means it has a Debt/Equity and Debt/FCF ratio of 0 and it is amongst the best of the sector and industry.
SAGA.OL Yearly Shares OutstandingSAGA.OL Yearly Shares OutstandingYearly Shares Outstanding 2015 2016 2017 2018 2019 2020 2021 2022 2023 2024 100M 200M 300M 400M
SAGA.OL Yearly Total Debt VS Total AssetsSAGA.OL Yearly Total Debt VS Total AssetsYearly Total Debt VS Total Assets 2015 2016 2017 2018 2019 2020 2021 2022 2023 2024 200M 400M 600M 800M 1B

2.2 Solvency

SAGA has an Altman-Z score of 112.14. This indicates that SAGA is financially healthy and has little risk of bankruptcy at the moment.
SAGA's Altman-Z score of 112.14 is amongst the best of the industry. SAGA outperforms 100.00% of its industry peers.
SAGA has no outstanding debt. Therefor its Debt/Equity and Debt/FCF ratios are 0 and belong to the best of the industry.
Industry RankSector Rank
Debt/Equity 0
Debt/FCF N/A
Altman-Z 112.14
ROIC/WACCN/A
WACCN/A
SAGA.OL Yearly LT Debt VS Equity VS FCFSAGA.OL Yearly LT Debt VS Equity VS FCFYearly LT Debt VS Equity VS FCF 2015 2016 2017 2018 2019 2020 2021 2022 2023 2024 0 200M 400M 600M 800M 1B

2.3 Liquidity

A Current Ratio of 254.11 indicates that SAGA has no problem at all paying its short term obligations.
SAGA has a better Current ratio (254.11) than 100.00% of its industry peers.
SAGA has a Quick Ratio of 254.11. This indicates that SAGA is financially healthy and has no problem in meeting its short term obligations.
SAGA has a Quick ratio of 254.11. This is amongst the best in the industry. SAGA outperforms 100.00% of its industry peers.
Industry RankSector Rank
Current Ratio 254.11
Quick Ratio 254.11
SAGA.OL Yearly Current Assets VS Current LiabilitesSAGA.OL Yearly Current Assets VS Current LiabilitesYearly Current Assets VS Current Liabilites 2015 2016 2017 2018 2019 2020 2021 2022 2023 2024 200M 400M 600M 800M

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2

3. Growth

3.1 Past

The Earnings Per Share has grown by an impressive 111.78% over the past year.
SAGA shows a very negative growth in Earnings Per Share. Measured over the last years, the EPS has been decreasing by -48.62% yearly.
SAGA shows a strong growth in Revenue. In the last year, the Revenue has grown by 62.71%.
EPS 1Y (TTM)111.78%
EPS 3Y-76.41%
EPS 5Y-48.62%
EPS Q2Q%107.69%
Revenue 1Y (TTM)62.71%
Revenue growth 3YN/A
Revenue growth 5YN/A
Sales Q2Q%-431.04%

3.2 Future

No EPS estimates are available, so we could not analyze the future EPS growth and evolution.
No Revenue estimates are available, so we could not analyze the future revenue growth and evolution.
EPS Next YN/A
EPS Next 2YN/A
EPS Next 3YN/A
EPS Next 5YN/A
Revenue Next YearN/A
Revenue Next 2YN/A
Revenue Next 3YN/A
Revenue Next 5YN/A

3.3 Evolution

No EPS estimates are available, so we could not analyze the future EPS growth and evolution.
No Revenue estimates are available, so we could not analyze the future revenue growth and evolution.
SAGA.OL Yearly Revenue VS EstimatesSAGA.OL Yearly Revenue VS EstimatesYearly Revenue VS Estimates 2014 2015 2016 2017 2018 2019 2020 2021 2022 2023 2024 0 50M -50M 100M 150M

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0

4. Valuation

4.1 Price/Earnings Ratio

Based on the Price/Earnings ratio of 44.17, the valuation of SAGA can be described as expensive.
Based on the Price/Earnings ratio, SAGA is valued a bit more expensive than 70.59% of the companies in the same industry.
The average S&P500 Price/Earnings ratio is at 28.79. SAGA is valued rather expensively when compared to this.
Industry RankSector Rank
PE 44.17
Fwd PE N/A
SAGA.OL Price Earnings VS Forward Price EarningsSAGA.OL Price Earnings VS Forward Price Earnings ChartPrice Earnings - Forward Price Earnings PE FPE 0 0 0 0 0

4.2 Price Multiples

Industry RankSector Rank
P/FCF N/A
EV/EBITDA N/A
SAGA.OL Per share dataSAGA.OL EPS, Sales, OCF, FCF, BookValue per sharePer Share Data Per Share 0 0.5 1 1.5

4.3 Compensation for Growth

PEG (NY)N/A
PEG (5Y)N/A
EPS Next 2YN/A
EPS Next 3YN/A

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0

5. Dividend

5.1 Amount

SAGA does not give a dividend.
Industry RankSector Rank
Dividend Yield N/A

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SAGA PURE ASA

OSL:SAGA (4/25/2025, 7:00:00 PM)

1.325

+0.01 (+0.76%)

Chartmill FA Rating
GICS SectorFinancials
GICS IndustryGroupFinancial Services
GICS IndustryFinancial Services
Earnings (Last)N/A N/A
Earnings (Next)N/A N/A
Inst Owners0%
Inst Owner ChangeN/A
Ins Owners41.4%
Ins Owner ChangeN/A
Market Cap642.47M
Analysts42.22
Price TargetN/A
Short Float %N/A
Short RatioN/A
Dividend
Industry RankSector Rank
Dividend Yield N/A
Yearly Dividend0
Dividend Growth(5Y)26.16%
DP0%
Div Incr Years0
Div Non Decr Years0
Ex-DateN/A
Surprises & Revisions
EPS beat(2)N/A
Avg EPS beat(2)N/A
Min EPS beat(2)N/A
Max EPS beat(2)N/A
EPS beat(4)N/A
Avg EPS beat(4)N/A
Min EPS beat(4)N/A
Max EPS beat(4)N/A
EPS beat(8)N/A
Avg EPS beat(8)N/A
EPS beat(12)N/A
Avg EPS beat(12)N/A
EPS beat(16)N/A
Avg EPS beat(16)N/A
Revenue beat(2)N/A
Avg Revenue beat(2)N/A
Min Revenue beat(2)N/A
Max Revenue beat(2)N/A
Revenue beat(4)N/A
Avg Revenue beat(4)N/A
Min Revenue beat(4)N/A
Max Revenue beat(4)N/A
Revenue beat(8)N/A
Avg Revenue beat(8)N/A
Revenue beat(12)N/A
Avg Revenue beat(12)N/A
Revenue beat(16)N/A
Avg Revenue beat(16)N/A
PT rev (1m)0%
PT rev (3m)0%
EPS NQ rev (1m)N/A
EPS NQ rev (3m)N/A
EPS NY rev (1m)N/A
EPS NY rev (3m)N/A
Revenue NQ rev (1m)N/A
Revenue NQ rev (3m)N/A
Revenue NY rev (1m)N/A
Revenue NY rev (3m)N/A
Valuation
Industry RankSector Rank
PE 44.17
Fwd PE N/A
P/S N/A
P/FCF N/A
P/OCF N/A
P/B 0.74
P/tB 0.74
EV/EBITDA N/A
EPS(TTM)0.03
EY2.26%
EPS(NY)N/A
Fwd EYN/A
FCF(TTM)-0.18
FCFYN/A
OCF(TTM)-0.18
OCFYN/A
SpS-0.04
BVpS1.79
TBVpS1.79
PEG (NY)N/A
PEG (5Y)N/A
Profitability
Industry RankSector Rank
ROA 1.83%
ROE 1.84%
ROCE N/A
ROIC N/A
ROICexc N/A
ROICexgc N/A
OM N/A
PM (TTM) -77.13%
GM N/A
FCFM N/A
ROA(3y)-5.91%
ROA(5y)5.15%
ROE(3y)-5.95%
ROE(5y)5.23%
ROIC(3y)N/A
ROIC(5y)N/A
ROICexc(3y)N/A
ROICexc(5y)N/A
ROICexgc(3y)N/A
ROICexgc(5y)N/A
ROCE(3y)N/A
ROCE(5y)N/A
ROICexcg growth 3YN/A
ROICexcg growth 5YN/A
ROICexc growth 3YN/A
ROICexc growth 5YN/A
OM growth 3Y28.87%
OM growth 5Y16.16%
PM growth 3YN/A
PM growth 5YN/A
GM growth 3YN/A
GM growth 5YN/A
F-Score5
Asset Turnover-0.02
Health
Industry RankSector Rank
Debt/Equity 0
Debt/FCF N/A
Debt/EBITDA N/A
Cap/Depr N/A
Cap/Sales N/A
Interest Coverage N/A
Cash Conversion N/A
Profit Quality N/A
Current Ratio 254.11
Quick Ratio 254.11
Altman-Z 112.14
F-Score5
WACCN/A
ROIC/WACCN/A
Cap/Depr(3y)N/A
Cap/Depr(5y)N/A
Cap/Sales(3y)N/A
Cap/Sales(5y)N/A
Profit Quality(3y)N/A
Profit Quality(5y)N/A
High Growth Momentum
Growth
EPS 1Y (TTM)111.78%
EPS 3Y-76.41%
EPS 5Y-48.62%
EPS Q2Q%107.69%
EPS Next YN/A
EPS Next 2YN/A
EPS Next 3YN/A
EPS Next 5YN/A
Revenue 1Y (TTM)62.71%
Revenue growth 3YN/A
Revenue growth 5YN/A
Sales Q2Q%-431.04%
Revenue Next YearN/A
Revenue Next 2YN/A
Revenue Next 3YN/A
Revenue Next 5YN/A
EBIT growth 1Y44.25%
EBIT growth 3YN/A
EBIT growth 5YN/A
EBIT Next YearN/A
EBIT Next 3YN/A
EBIT Next 5YN/A
FCF growth 1Y30.38%
FCF growth 3YN/A
FCF growth 5YN/A
OCF growth 1Y30.38%
OCF growth 3YN/A
OCF growth 5YN/A