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SAGA PURE ASA (SAGA.OL) Stock Fundamental Analysis

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

1.338  +0.01 (+0.6%)

Fundamental Rating

3

SAGA gets a fundamental rating of 3 out of 10. The analysis compared the fundamentals against 50 industry peers in the Financial Services industry. SAGA has a great financial health rating, but its profitability evaluates not so good. SAGA is valued expensive and it does not seem to be growing.


Dividend Valuation Growth Profitability Health

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2

1. Profitability

1.1 Basic Checks

In the past year SAGA has reported negative net income.
In the past year SAGA had a positive 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 0 100M -100M 200M

1.2 Ratios

The Return On Assets of SAGA (-2.89%) is worse than 78.00% of its industry peers.
SAGA's Return On Equity of -2.90% is on the low side compared to the rest of the industry. SAGA is outperformed by 72.00% of its industry peers.
Industry RankSector Rank
ROA -2.89%
ROE -2.9%
ROIC N/A
ROA(3y)0.94%
ROA(5y)7.31%
ROE(3y)0.97%
ROE(5y)7.94%
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 0 10 -10 20 -20

1.3 Margins

SAGA's Profit Margin has improved in the last couple of years.
In the last couple of years the Operating Margin of SAGA has grown nicely.
SAGA does not have Profit Margin and Operating Margin and Gross Margin available, so we won't be analyzing them here.
Industry RankSector Rank
OM N/A
PM (TTM) N/A
GM N/A
OM growth 3Y15.63%
OM growth 5YN/A
PM growth 3Y34.49%
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 0 1K 2K

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8

2. Health

2.1 Basic Checks

SAGA does not have a ROIC to compare to the WACC, probably because it is not profitable.
SAGA has more shares outstanding than it did 1 year ago.
Compared to 5 years ago, SAGA has more shares outstanding
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 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 200M 400M 600M 800M 1B

2.2 Solvency

SAGA has an Altman-Z score of 121.04. This indicates that SAGA is financially healthy and has little risk of bankruptcy at the moment.
Looking at the Altman-Z score, with a value of 121.04, SAGA belongs to the top of the industry, outperforming 100.00% of the companies in the same industry.
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 0
Altman-Z 121.04
ROIC/WACCN/A
WACC8.53%
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 0 200M 400M 600M 800M 1B

2.3 Liquidity

SAGA has a Current Ratio of 273.97. This indicates that SAGA is financially healthy and has no problem in meeting its short term obligations.
With an excellent Current ratio value of 273.97, SAGA belongs to the best of the industry, outperforming 100.00% of the companies in the same industry.
A Quick Ratio of 273.97 indicates that SAGA has no problem at all paying its short term obligations.
SAGA's Quick ratio of 273.97 is amongst the best of the industry. SAGA outperforms 100.00% of its industry peers.
Industry RankSector Rank
Current Ratio 273.97
Quick Ratio 273.97
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 200M 400M 600M 800M

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1

3. Growth

3.1 Past

SAGA shows a strong growth in Earnings Per Share. In the last year, the EPS has been growing by 87.20%, which is quite impressive.
SAGA shows a strong growth in Revenue. In the last year, the Revenue has grown by 103.57%.
EPS 1Y (TTM)87.2%
EPS 3YN/A
EPS 5YN/A
EPS Q2Q%-58.5%
Revenue 1Y (TTM)103.57%
Revenue growth 3YN/A
Revenue growth 5YN/A
Sales Q2Q%-230.38%

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 0 50M -50M 100M 150M
SAGA.OL Yearly EPS VS EstimatesSAGA.OL Yearly EPS VS EstimatesYearly EPS VS Estimates 2014 2015 2016 2017 2018 2019 2020 2021 2022 2023

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1

4. Valuation

4.1 Price/Earnings Ratio

The Price/Earnings Ratio is negative for SAGA. In the last year negative earnings were reported.
Industry RankSector Rank
PE N/A
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 0 0 0 0 0 0

4.2 Price Multiples

SAGA's Price/Free Cash Flow is on the same level as the industry average.
Industry RankSector Rank
P/FCF 23.57
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 (3/10/2025, 10:11:52 AM)

1.338

+0.01 (+0.6%)

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 Cap648.77M
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 N/A
Fwd PE N/A
P/S 143.18
P/FCF 23.57
P/OCF 23.57
P/B 0.74
P/tB 0.74
EV/EBITDA N/A
EPS(TTM)-0.05
EYN/A
EPS(NY)N/A
Fwd EYN/A
FCF(TTM)0.06
FCFY4.24%
OCF(TTM)0.06
OCFY4.24%
SpS0.01
BVpS1.81
TBVpS1.81
PEG (NY)N/A
PEG (5Y)N/A
Profitability
Industry RankSector Rank
ROA -2.89%
ROE -2.9%
ROCE N/A
ROIC N/A
ROICexc N/A
ROICexgc N/A
OM N/A
PM (TTM) N/A
GM N/A
FCFM 607.44%
ROA(3y)0.94%
ROA(5y)7.31%
ROE(3y)0.97%
ROE(5y)7.94%
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 3Y15.63%
OM growth 5YN/A
PM growth 3Y34.49%
PM growth 5YN/A
GM growth 3YN/A
GM growth 5YN/A
F-Score6
Asset Turnover0.01
Health
Industry RankSector Rank
Debt/Equity 0
Debt/FCF 0
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 273.97
Quick Ratio 273.97
Altman-Z 121.04
F-Score6
WACC8.53%
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)87.2%
EPS 3YN/A
EPS 5YN/A
EPS Q2Q%-58.5%
EPS Next YN/A
EPS Next 2YN/A
EPS Next 3YN/A
EPS Next 5YN/A
Revenue 1Y (TTM)103.57%
Revenue growth 3YN/A
Revenue growth 5YN/A
Sales Q2Q%-230.38%
Revenue Next YearN/A
Revenue Next 2YN/A
Revenue Next 3YN/A
Revenue Next 5YN/A
EBIT growth 1Y92.82%
EBIT growth 3YN/A
EBIT growth 5YN/A
EBIT Next YearN/A
EBIT Next 3YN/A
EBIT Next 5YN/A
FCF growth 1Y258.72%
FCF growth 3YN/A
FCF growth 5YN/A
OCF growth 1Y258.72%
OCF growth 3YN/A
OCF growth 5YN/A