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SAGA PURE ASA (SAGA.OL) Stock Fundamental Analysis

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

1.34  -0.01 (-0.74%)

Fundamental Rating

3

Taking everything into account, SAGA scores 3 out of 10 in our fundamental rating. SAGA was compared to 49 industry peers in the Financial Services industry. SAGA has a great financial health rating, but its profitability evaluates not so good. SAGA has a expensive valuation and it also scores bad on growth.


Dividend Valuation Growth Profitability Health

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1

1. Profitability

1.1 Basic Checks

In the past year SAGA has reported negative net income.
SAGA had a positive operating cash flow in the past year.
The reported net income has been mixed in the past 5 years: SAGA reported negative net income in multiple 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 -0.64%, SAGA is not doing good in the industry: 77.55% of the companies in the same industry are doing better.
With a Return On Equity value of -0.69%, SAGA is not doing good in the industry: 73.47% of the companies in the same industry are doing better.
Industry RankSector Rank
ROA -0.64%
ROE -0.69%
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's Operating Margin has improved in the last couple of years.
The Profit Margin and Operating Margin and Gross Margin are not available for SAGA so they could not be analyzed.
Industry RankSector Rank
OM N/A
PM (TTM) N/A
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.
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 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

An Altman-Z score of 5.66 indicates that SAGA is not in any danger for bankruptcy at the moment.
SAGA has a better Altman-Z score (5.66) than 85.71% of its industry peers.
SAGA has a debt to FCF ratio of 0.89. This is a very positive value and a sign of high solvency as it would only need 0.89 years to pay back of all of its debts.
SAGA has a better Debt to FCF ratio (0.89) than 89.80% of its industry peers.
A Debt/Equity ratio of 0.03 indicates that SAGA is not too dependend on debt financing.
With an excellent Debt to Equity ratio value of 0.03, SAGA belongs to the best of the industry, outperforming 91.84% of the companies in the same industry.
Industry RankSector Rank
Debt/Equity 0.03
Debt/FCF 0.89
Altman-Z 5.66
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

SAGA has a Current Ratio of 131.70. This indicates that SAGA is financially healthy and has no problem in meeting its short term obligations.
With an excellent Current ratio value of 131.70, SAGA belongs to the best of the industry, outperforming 100.00% of the companies in the same industry.
A Quick Ratio of 131.70 indicates that SAGA has no problem at all paying its short term obligations.
SAGA has a better Quick ratio (131.70) than 100.00% of its industry peers.
Industry RankSector Rank
Current Ratio 131.7
Quick Ratio 131.7
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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0

3. Growth

3.1 Past

The Earnings Per Share has grown by an impressive 82.81% 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.
The Revenue for SAGA has decreased by -163.96% in the past year. This is quite bad
EPS 1Y (TTM)82.81%
EPS 3Y-76.41%
EPS 5Y-48.62%
EPS Q2Q%-50.82%
Revenue 1Y (TTM)-163.96%
Revenue growth 3YN/A
Revenue growth 5YN/A
Sales Q2Q%-3.43%

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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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 25.68
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 (8/13/2025, 1:40:03 PM)

1.34

-0.01 (-0.74%)

Chartmill FA Rating
GICS SectorFinancials
GICS IndustryGroupFinancial Services
GICS IndustryFinancial Services
Earnings (Last)N/A N/A
Earnings (Next)N/A N/A
Inst OwnersN/A
Inst Owner ChangeN/A
Ins Owners41.4%
Ins Owner ChangeN/A
Market Cap649.74M
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 N/A
P/FCF 25.68
P/OCF 25.68
P/B 0.74
P/tB 0.74
EV/EBITDA N/A
EPS(TTM)-0.01
EYN/A
EPS(NY)N/A
Fwd EYN/A
FCF(TTM)0.05
FCFY3.89%
OCF(TTM)0.05
OCFY3.89%
SpS-0.04
BVpS1.81
TBVpS1.8
PEG (NY)N/A
PEG (5Y)N/A
Profitability
Industry RankSector Rank
ROA -0.64%
ROE -0.69%
ROCE N/A
ROIC N/A
ROICexc N/A
ROICexgc N/A
OM N/A
PM (TTM) N/A
GM N/A
FCFM -127.4%
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 0.03
Debt/FCF 0.89
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 131.7
Quick Ratio 131.7
Altman-Z 5.66
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)82.81%
EPS 3Y-76.41%
EPS 5Y-48.62%
EPS Q2Q%-50.82%
EPS Next YN/A
EPS Next 2YN/A
EPS Next 3YN/A
EPS Next 5YN/A
Revenue 1Y (TTM)-163.96%
Revenue growth 3YN/A
Revenue growth 5YN/A
Sales Q2Q%-3.43%
Revenue Next YearN/A
Revenue Next 2YN/A
Revenue Next 3YN/A
Revenue Next 5YN/A
EBIT growth 1Y-359.1%
EBIT growth 3YN/A
EBIT growth 5YN/A
EBIT Next YearN/A
EBIT Next 3YN/A
EBIT Next 5YN/A
FCF growth 1Y134.7%
FCF growth 3YN/A
FCF growth 5YN/A
OCF growth 1Y134.7%
OCF growth 3YN/A
OCF growth 5YN/A