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SAGA PURE ASA (SAGA.OL) Stock Fundamental Analysis

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

1.325  0 (0%)

Fundamental Rating

4

Taking everything into account, SAGA scores 4 out of 10 in our fundamental rating. SAGA was compared to 47 industry peers in the Financial Services industry. No worries on liquidiy or solvency for SAGA as it has an excellent financial health rating, but there are worries on the 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

In the past year SAGA was profitable.
SAGA had a negative operating cash flow in the past year.
In multiple years SAGA reported negative net income over the last 5 years.
In multiple years SAGA reported negative operating cash flow during the last 5 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

SAGA has a Return On Assets (1.83%) which is in line with its industry peers.
SAGA's Return On Equity of 1.84% is on the low side compared to the rest of the industry. SAGA is outperformed by 63.83% 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 worse Profit Margin (-77.13%) than 65.96% of its industry peers.
SAGA's Operating Margin has improved in the last couple of years.
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

SAGA has about the same amout of shares outstanding than it did 1 year ago.
SAGA has more shares outstanding than it did 5 years ago.
SAGA has no outstanding debt. Therefor its Debt/Equity and Debt/FCF ratios are 0 and belong to the best of the 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 112.98 indicates that SAGA is not in any danger for bankruptcy at the moment.
SAGA has a better Altman-Z score (112.98) than 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 112.98
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's Current ratio of 254.11 is amongst the best of the industry. SAGA outperforms 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 better Quick ratio (254.11) than 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.
The earnings per share for SAGA have been decreasing by -48.62% on average. This is quite bad
Looking at the last year, SAGA shows a very strong growth in Revenue. 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.
SAGA's Price/Earnings ratio is a bit more expensive when compared to the industry. SAGA is more expensive than 65.96% of the companies in the same industry.
SAGA is valuated expensively when we compare the Price/Earnings ratio to 28.10, which is the current average of the S&P500 Index.
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

No dividends for SAGA!.
Industry RankSector Rank
Dividend Yield N/A

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SAGA PURE ASA

OSL:SAGA (5/5/2025, 7:00:00 PM)

1.325

0 (0%)

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 112.98
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