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Saga (SAGA) investor relations material
Saga Q3 2026 TU earnings summary
Complete event summary combining all related documents: earnings call transcript, report, and slide presentation.Q3 2026 TU earnings summary29 Jan, 2026
Executive summary
Underlying Profit Before Tax is expected to exceed both prior year results and half-year guidance, driven by strong performance in Travel and Insurance Broking.
Strategic progress includes the launch of new insurance partnerships and consolidation of Travel businesses under one management team.
Financial highlights
Ocean Cruise achieved a 93% load factor (up 2ppt year-over-year) and a per diem of £394 (up 10%).
River Cruise maintained an 89% load factor and increased per diem by 7% to £349.
Holidays segment expects stronger Underlying Profit Before Tax, with booked revenue up 13% and passenger growth of 11%.
Insurance Broking outperformed expectations, with growth in three out of four products and higher Underlying Profit Before Tax.
Trading EBITDA is expected to surpass 2024/25 levels.
Outlook and guidance
Ocean Cruise bookings for 2026/27 show a 70% load factor (up 3ppt) and per diem of £445 (up 13%).
River Cruise bookings for 2026/27 have a 59% load factor (up 4ppt) and per diem of £367 (up 3%).
Holidays booked revenue for 2026/27 is £132m (up 5%) with 39k passengers (up 1%).
Insurance Broking Underlying Profit Before Tax for 2026/27 expected in line with guidance as Ageas partnership embeds.
Confident in delivering at least £100m underlying profitability and leverage below 2.0x by January 2030.
Insurance Broking PBT guidance rationale
Ageas working capital unwinding impact on debt
Sustained travel demand drivers?
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Next Saga earnings date
H2 20268 Apr, 2026
Saga
Next Saga earnings date
H2 20268 Apr, 2026
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Frequently asked questions
Saga plc provides general insurance, package and cruise holidays, and personal finance products and services in the United Kingdom. The company operates in three divisions: Insurance, Travel, and Other Businesses and Central Costs. It offers car, home, health, travel, landlord, boat , motorhome , caravan , pet , personal accident , breakdown cover , building content , renter holiday holiday home insurance. The company also operates and delivers package tours and cruise holiday products; provides equity release and care funding advice, savings accounts, credit cards , shares ISA share dealing services.
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