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SAGA PURE ASA (SAGA.OL) Stock Fundamental Analysis

Europe - OSL:SAGA - NO0010572589 - Common Stock

1.34 NOK
-0.01 (-1.11%)
Last: 10/24/2025, 7:00:00 PM
Fundamental Rating

3

SAGA gets a fundamental rating of 3 out of 10. The analysis compared the fundamentals against 51 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

1

1. Profitability

1.1 Basic Checks

SAGA had negative earnings in the past year.
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.
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 of -0.64%. This is in the lower half of the industry: SAGA underperforms 70.59% of its industry peers.
The Return On Equity of SAGA (-0.69%) is worse than 64.71% of its industry peers.
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

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 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

9

2. Health

2.1 Basic Checks

SAGA has about the same amout of shares outstanding than it did 1 year ago.
Compared to 5 years ago, SAGA has more shares outstanding
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 6.59 indicates that SAGA is not in any danger for bankruptcy at the moment.
SAGA's Altman-Z score of 6.59 is amongst the best of the industry. SAGA outperforms 90.20% 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.
With an excellent Debt to FCF ratio value of 0.89, SAGA belongs to the best of the industry, outperforming 88.24% of the companies in the same industry.
SAGA has a Debt/Equity ratio of 0.03. This is a healthy value indicating a solid balance between debt and equity.
SAGA's Debt to Equity ratio of 0.03 is amongst the best of the industry. SAGA outperforms 90.20% of its industry peers.
Industry RankSector Rank
Debt/Equity 0.03
Debt/FCF 0.89
Altman-Z 6.59
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 131.70 indicates that SAGA has no problem at all paying its short term obligations.
SAGA's Current ratio of 131.70 is amongst the best of the industry. SAGA outperforms 100.00% of its industry peers.
SAGA has a Quick Ratio of 131.70. This indicates that SAGA is financially healthy and has no problem in meeting its short term obligations.
Looking at the Quick ratio, with a value of 131.70, SAGA belongs to the top of the industry, outperforming 100.00% of the companies in the same industry.
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

0

3. Growth

3.1 Past

SAGA shows a strong negative growth in Earnings Per Share. In the last year the EPS decreased by -161.27%.
The earnings per share for SAGA have been decreasing by -48.62% on average. This is quite bad
SAGA shows a very negative growth in Revenue. In the last year, the Revenue has decreased by -239.11%.
EPS 1Y (TTM)-161.27%
EPS 3Y-76.41%
EPS 5Y-48.62%
EPS Q2Q%-429.68%
Revenue 1Y (TTM)-239.11%
Revenue growth 3YN/A
Revenue growth 5YN/A
Sales Q2Q%-1234.63%

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

1

4. Valuation

4.1 Price/Earnings Ratio

SAGA reported negative earnings for the last year, which makes the Price/Earnings Ratio negative.
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

Compared to the rest of the industry, the Price/Free Cash Flow ratio of SAGA is on the same level as its industry peers.
Industry RankSector Rank
P/FCF 30.45
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

0

5. Dividend

5.1 Amount

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

SAGA PURE ASA

OSL:SAGA (10/24/2025, 7:00:00 PM)

1.34

-0.01 (-1.11%)

Chartmill FA Rating
GICS SectorFinancials
GICS IndustryGroupFinancial Services
GICS IndustryFinancial Services
Earnings (Last)N/A N/A
Earnings (Next)N/A N/A
Inst Owners0.94%
Inst Owner ChangeN/A
Ins Owners35.23%
Ins Owner ChangeN/A
Market Cap770.34M
Revenue(TTM)-50699000
Net Income(TTM)-6069000
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 30.45
P/OCF 30.45
P/B 0.88
P/tB 0.88
EV/EBITDA N/A
EPS(TTM)-0.11
EYN/A
EPS(NY)N/A
Fwd EYN/A
FCF(TTM)0.04
FCFY3.28%
OCF(TTM)0.04
OCFY3.28%
SpS-0.03
BVpS1.53
TBVpS1.52
PEG (NY)N/A
PEG (5Y)N/A
Graham NumberN/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
ROICexgc growth 3YN/A
ROICexgc 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 6.59
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)-161.27%
EPS 3Y-76.41%
EPS 5Y-48.62%
EPS Q2Q%-429.68%
EPS Next YN/A
EPS Next 2YN/A
EPS Next 3YN/A
EPS Next 5YN/A
Revenue 1Y (TTM)-239.11%
Revenue growth 3YN/A
Revenue growth 5YN/A
Sales Q2Q%-1234.63%
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

SAGA PURE ASA / SAGA.OL FAQ

Can you provide the ChartMill fundamental rating for SAGA PURE ASA?

ChartMill assigns a fundamental rating of 3 / 10 to SAGA.OL.


What is the valuation status for SAGA stock?

ChartMill assigns a valuation rating of 1 / 10 to SAGA PURE ASA (SAGA.OL). This can be considered as Overvalued.


How profitable is SAGA PURE ASA (SAGA.OL) stock?

SAGA PURE ASA (SAGA.OL) has a profitability rating of 1 / 10.