{
  "app": "dividend_compounders",
  "ticker": {
    "uuid": "4feea31a-40ae-4a2f-be5d-107ee0d3fbf7",
    "symbol": "SAGA",
    "name": "Saga plc",
    "exchange": "LSE",
    "country_code": "GB",
    "country_name": "United Kingdom",
    "sector": "Financial Services",
    "industry": "Insurance - Diversified",
    "chart_url": "https://sharemaestro.com/terminal/4feea31a-40ae-4a2f-be5d-107ee0d3fbf7/"
  },
  "snapshot": {
    "ticker": {
      "uuid": "4feea31a-40ae-4a2f-be5d-107ee0d3fbf7",
      "symbol": "SAGA",
      "name": "Saga plc",
      "exchange": "LSE",
      "country_code": "GB",
      "country_name": "United Kingdom",
      "sector": "Financial Services",
      "industry": "Insurance - Diversified",
      "chart_url": "https://sharemaestro.com/terminal/4feea31a-40ae-4a2f-be5d-107ee0d3fbf7/"
    },
    "as_of_date": "2026-06-12",
    "provider_symbol": "SAGA.L",
    "market_cap": 834541312.0,
    "market_cap_usd": 76475395110.0,
    "price": 574.0,
    "currency": "GBP",
    "dividend_yield": 0.05473763,
    "dividend_years": 5,
    "dividend_growth_5y": -0.22268601,
    "dividend_cut_5y": true,
    "payout_ratio": 0.0,
    "net_income": 3600000.0,
    "free_cash_flow": 100900000.0,
    "fcf_covers_dividend": true,
    "debt_to_equity": 9.30129,
    "revenue_growth_5y": -0.00186173,
    "net_margin": 0.0054,
    "roe": 0.06436,
    "pe_ratio": 191.33333,
    "price_vs_ma": 0.19177798,
    "return_3y": 3.7203948,
    "return_5y": 0.30632683,
    "max_drawdown": -0.83101957,
    "scores": {
      "dividend_reliability": 7.5,
      "dividend_sustainability": 17.0,
      "business_quality": 16.0,
      "valuation": 8.5,
      "trend": 12.0,
      "total": 61.0,
      "confidence": 100.0
    },
    "rating": "weak",
    "rating_label": "Weak Candidate",
    "decision": "reject",
    "decision_label": "Reject",
    "warnings": [
      "Dividend cut or material annual decrease detected in the last five completed years.",
      "Debt to equity is elevated at 9.30."
    ],
    "urls": {
      "page": "https://sharemaestro.com/dividend-compounders/ticker/4feea31a-40ae-4a2f-be5d-107ee0d3fbf7/",
      "chart": "https://sharemaestro.com/terminal/4feea31a-40ae-4a2f-be5d-107ee0d3fbf7/"
    }
  },
  "score_breakdown": {
    "dividend_reliability": 7.5,
    "dividend_sustainability": 17.0,
    "business_quality": 16.0,
    "valuation": 8.5,
    "trend": 12.0,
    "total": 61.0,
    "confidence": 100.0
  },
  "warnings": [
    "Dividend cut or material annual decrease detected in the last five completed years.",
    "Debt to equity is elevated at 9.30."
  ],
  "diary": [
    {
      "event_date": "2026-06-12",
      "event_type": "warning",
      "severity": "warning",
      "ticker": "SAGA",
      "exchange": "LSE",
      "headline": "SAGA dividend review warning",
      "detail": "Debt to equity is elevated at 9.30.",
      "amount": null,
      "currency": "",
      "ticker_url": "https://sharemaestro.com/dividend-compounders/ticker/4feea31a-40ae-4a2f-be5d-107ee0d3fbf7/"
    },
    {
      "event_date": "2019-10-10",
      "event_type": "increase",
      "severity": "positive",
      "ticker": "SAGA",
      "exchange": "LSE",
      "headline": "Dividend increased 30.0%",
      "detail": "Payment changed from 13.66 to 17.76.",
      "amount": 17.7588,
      "currency": "GBP",
      "ticker_url": "https://sharemaestro.com/dividend-compounders/ticker/4feea31a-40ae-4a2f-be5d-107ee0d3fbf7/"
    },
    {
      "event_date": "2019-10-10",
      "event_type": "payment",
      "severity": "info",
      "ticker": "SAGA",
      "exchange": "LSE",
      "headline": "SAGA dividend payment 17.76 GBP",
      "detail": "Recorded dividend payment for Saga plc.",
      "amount": 17.7588,
      "currency": "GBP",
      "ticker_url": "https://sharemaestro.com/dividend-compounders/ticker/4feea31a-40ae-4a2f-be5d-107ee0d3fbf7/"
    },
    {
      "event_date": "2019-05-16",
      "event_type": "cut",
      "severity": "negative",
      "ticker": "SAGA",
      "exchange": "LSE",
      "headline": "Dividend cut -66.7%",
      "detail": "Payment changed from 40.98 to 13.66.",
      "amount": 13.6606,
      "currency": "GBP",
      "ticker_url": "https://sharemaestro.com/dividend-compounders/ticker/4feea31a-40ae-4a2f-be5d-107ee0d3fbf7/"
    },
    {
      "event_date": "2019-05-16",
      "event_type": "payment",
      "severity": "info",
      "ticker": "SAGA",
      "exchange": "LSE",
      "headline": "SAGA dividend payment 13.66 GBP",
      "detail": "Recorded dividend payment for Saga plc.",
      "amount": 13.6606,
      "currency": "GBP",
      "ticker_url": "https://sharemaestro.com/dividend-compounders/ticker/4feea31a-40ae-4a2f-be5d-107ee0d3fbf7/"
    },
    {
      "event_date": "2018-10-18",
      "event_type": "cut",
      "severity": "negative",
      "ticker": "SAGA",
      "exchange": "LSE",
      "headline": "Dividend cut -50.0%",
      "detail": "Payment changed from 81.96 to 40.98.",
      "amount": 40.9819,
      "currency": "GBP",
      "ticker_url": "https://sharemaestro.com/dividend-compounders/ticker/4feea31a-40ae-4a2f-be5d-107ee0d3fbf7/"
    },
    {
      "event_date": "2018-10-18",
      "event_type": "payment",
      "severity": "info",
      "ticker": "SAGA",
      "exchange": "LSE",
      "headline": "SAGA dividend payment 40.98 GBP",
      "detail": "Recorded dividend payment for Saga plc.",
      "amount": 40.9819,
      "currency": "GBP",
      "ticker_url": "https://sharemaestro.com/dividend-compounders/ticker/4feea31a-40ae-4a2f-be5d-107ee0d3fbf7/"
    },
    {
      "event_date": "2018-05-17",
      "event_type": "increase",
      "severity": "positive",
      "ticker": "SAGA",
      "exchange": "LSE",
      "headline": "Dividend increased 100.0%",
      "detail": "Payment changed from 40.98 to 81.96.",
      "amount": 81.963905,
      "currency": "GBP",
      "ticker_url": "https://sharemaestro.com/dividend-compounders/ticker/4feea31a-40ae-4a2f-be5d-107ee0d3fbf7/"
    },
    {
      "event_date": "2018-05-17",
      "event_type": "payment",
      "severity": "info",
      "ticker": "SAGA",
      "exchange": "LSE",
      "headline": "SAGA dividend payment 81.96 GBP",
      "detail": "Recorded dividend payment for Saga plc.",
      "amount": 81.963905,
      "currency": "GBP",
      "ticker_url": "https://sharemaestro.com/dividend-compounders/ticker/4feea31a-40ae-4a2f-be5d-107ee0d3fbf7/"
    },
    {
      "event_date": "2017-10-12",
      "event_type": "decrease",
      "severity": "negative",
      "ticker": "SAGA",
      "exchange": "LSE",
      "headline": "Dividend decreased -48.3%",
      "detail": "Payment changed from 79.23 to 40.98.",
      "amount": 40.9819,
      "currency": "GBP",
      "ticker_url": "https://sharemaestro.com/dividend-compounders/ticker/4feea31a-40ae-4a2f-be5d-107ee0d3fbf7/"
    },
    {
      "event_date": "2017-10-12",
      "event_type": "payment",
      "severity": "info",
      "ticker": "SAGA",
      "exchange": "LSE",
      "headline": "SAGA dividend payment 40.98 GBP",
      "detail": "Recorded dividend payment for Saga plc.",
      "amount": 40.9819,
      "currency": "GBP",
      "ticker_url": "https://sharemaestro.com/dividend-compounders/ticker/4feea31a-40ae-4a2f-be5d-107ee0d3fbf7/"
    },
    {
      "event_date": "2017-05-11",
      "event_type": "increase",
      "severity": "positive",
      "ticker": "SAGA",
      "exchange": "LSE",
      "headline": "Dividend increased 114.8%",
      "detail": "Payment changed from 36.88 to 79.23.",
      "amount": 79.2318,
      "currency": "GBP",
      "ticker_url": "https://sharemaestro.com/dividend-compounders/ticker/4feea31a-40ae-4a2f-be5d-107ee0d3fbf7/"
    },
    {
      "event_date": "2017-05-11",
      "event_type": "payment",
      "severity": "info",
      "ticker": "SAGA",
      "exchange": "LSE",
      "headline": "SAGA dividend payment 79.23 GBP",
      "detail": "Recorded dividend payment for Saga plc.",
      "amount": 79.2318,
      "currency": "GBP",
      "ticker_url": "https://sharemaestro.com/dividend-compounders/ticker/4feea31a-40ae-4a2f-be5d-107ee0d3fbf7/"
    },
    {
      "event_date": "2016-10-06",
      "event_type": "payment",
      "severity": "info",
      "ticker": "SAGA",
      "exchange": "LSE",
      "headline": "SAGA dividend payment 36.88 GBP",
      "detail": "Recorded dividend payment for Saga plc.",
      "amount": 36.8838,
      "currency": "GBP",
      "ticker_url": "https://sharemaestro.com/dividend-compounders/ticker/4feea31a-40ae-4a2f-be5d-107ee0d3fbf7/"
    },
    {
      "event_date": "2016-05-12",
      "event_type": "payment",
      "severity": "info",
      "ticker": "SAGA",
      "exchange": "LSE",
      "headline": "SAGA dividend payment 68.3 GBP",
      "detail": "Recorded dividend payment for Saga plc.",
      "amount": 68.3032,
      "currency": "GBP",
      "ticker_url": "https://sharemaestro.com/dividend-compounders/ticker/4feea31a-40ae-4a2f-be5d-107ee0d3fbf7/"
    },
    {
      "event_date": "2015-10-08",
      "event_type": "payment",
      "severity": "info",
      "ticker": "SAGA",
      "exchange": "LSE",
      "headline": "SAGA dividend payment 30.05 GBP",
      "detail": "Recorded dividend payment for Saga plc.",
      "amount": 30.053402,
      "currency": "GBP",
      "ticker_url": "https://sharemaestro.com/dividend-compounders/ticker/4feea31a-40ae-4a2f-be5d-107ee0d3fbf7/"
    },
    {
      "event_date": "2015-06-04",
      "event_type": "payment",
      "severity": "info",
      "ticker": "SAGA",
      "exchange": "LSE",
      "headline": "SAGA dividend payment 56.01 GBP",
      "detail": "Recorded dividend payment for Saga plc.",
      "amount": 56.0087,
      "currency": "GBP",
      "ticker_url": "https://sharemaestro.com/dividend-compounders/ticker/4feea31a-40ae-4a2f-be5d-107ee0d3fbf7/"
    }
  ]
}