Sabre Insurance Group plc (GB:SBRE)
LSE:SBRE
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Sabre Insurance Group plc
(LSE:SBRE)
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Rating:75Outperform
Price Target:
164.00 p
▲(5.13% Upside)
Action:ReiteratedDate:03/12/26
The score is driven primarily by solid financial strength—especially the near-zero leverage balance sheet and improved recent earnings—alongside an attractive valuation (low P/E and supportive dividend yield). Technicals are constructive with the price above major moving averages, but an elevated RSI suggests near-term overbought risk, slightly moderating the overall rating.
Positive Factors
Conservative balance sheet
Sabre's near-zero leverage reduces refinancing and interest-rate risk and preserves financial flexibility. A debt-light profile lets management absorb underwriting volatility, strengthen technical reserves, and fund growth or returns from equity and operating cash rather than relying on external debt, supporting durable resilience.
Negative Factors
Margin and ROE volatility
Profits and margins have swung materially with underwriting cycles, reflecting sensitivity to claims frequency/severity and pricing dynamics. This variability makes earnings and return-on-equity less predictable, complicates multi-year capital planning, and increases the risk that short-term adverse loss trends will erode capital or dividends.
Read all positive and negative factors
Positive Factors
Negative Factors
Conservative balance sheet
Sabre's near-zero leverage reduces refinancing and interest-rate risk and preserves financial flexibility. A debt-light profile lets management absorb underwriting volatility, strengthen technical reserves, and fund growth or returns from equity and operating cash rather than relying on external debt, supporting durable resilience.
Read all positive factors
Sabre Insurance Group plc (SBRE) vs. iShares MSCI United Kingdom ETF (EWC)
Market Cap
£381.09M
Dividend Yield4.89%
Average Volume (3M)495.13K
Price to Earnings (P/E)8.5
Beta (1Y)0.24
Revenue Growth7.77%
EPS Growth35.65%
CountryUK
Employees167
SectorFinancial
Sector Strength70
IndustryInsurance - Brokers
Share Statistics
EPS (TTM)0.07
Shares Outstanding246,600,000
10 Day Avg. Volume637,707
30 Day Avg. Volume495,126
Financial Highlights & Ratios
PEG Ratio1.19
Price to Book (P/B)1.25
Price to Sales (P/S)1.40
P/FCF Ratio7.41
Enterprise Value/Market CapN/A
Enterprise Value/RevenueN/A
Enterprise Value/Gross ProfitN/A
Enterprise Value/EbitdaN/A
Forecast
1Y Price Target
£158.48Price Target Upside1.59% Upside
Rating ConsensusModerate Buy
Number of Analyst Covering4
EPS Forecast (FY)0.16
Revenue Forecast (FY)£226.95M
Sabre Insurance Group plc Business Overview & Revenue Model
Company Description
Sabre Insurance Group plc, through its subsidiaries, engages in the writing of general insurance for motor vehicles and motorcycles in the United Kingdom. It offers its products through a network of insurance brokers, as well as through its own di...
How the Company Makes Money
Sabre makes money primarily through underwriting UK motor insurance risk and investing the funds it holds to pay future claims. Its core revenue model is: (1) Insurance premiums: policyholders pay premiums for motor insurance coverage. Premiums ea...
Sabre Insurance Group plc Financial Statement Overview
Summary
Income Statement
72
Positive
Balance Sheet
88
Very Positive
Cash Flow
55
Neutral
| Breakdown | Dec 2025 | Dec 2024 | Dec 2023 | Dec 2022 | Dec 2021 |
|---|---|---|---|---|---|
Income Statement | |||||
| Total Revenue | 230.35M | 223.18M | 193.25M | 184.95M | 159.43M |
| Gross Profit | 230.35M | 223.18M | 156.93M | 144.23M | 147.78M |
| EBITDA | 51.14M | 0.00 | 23.75M | 14.32M | 37.60M |
| Net Income | 37.91M | 35.96M | 18.07M | 11.08M | 30.14M |
Balance Sheet | |||||
| Total Assets | 730.26M | 665.81M | 630.14M | 459.66M | 479.35M |
| Cash, Cash Equivalents and Short-Term Investments | 25.48M | 342.50M | 35.08M | 18.50M | 30.61M |
| Total Debt | 0.00 | 0.00 | 0.00 | 0.00 | 193.00K |
| Total Liabilities | 472.40M | 407.46M | 387.73M | 237.16M | 226.62M |
| Stockholders Equity | 257.86M | 258.35M | 242.41M | 222.50M | 252.73M |
Cash Flow | |||||
| Free Cash Flow | 43.57M | 22.07M | 23.68M | 19.36M | 33.28M |
| Operating Cash Flow | 43.83M | 22.07M | 25.34M | 19.40M | 33.31M |
| Investing Cash Flow | -7.20M | 0.00 | -1.67M | -38.00K | -28.00K |
| Financing Cash Flow | -42.47M | -25.83M | -7.10M | -31.47M | -40.58M |
Sabre Insurance Group plc Technical Analysis
Positive
156.00
Price Trends
140.45
Positive
134.53
Positive
137.59
Positive
Market Momentum
4.87
Positive
61.69
Neutral
47.86
Neutral
Evaluating momentum and price trends is crucial in stock analysis to make informed investment decisions. For GB:SBRE, the sentiment is Positive. The current price of 156 is above the 20-day moving average (MA) of 153.33, above the 50-day MA of 140.45, and above the 200-day MA of 137.59, indicating a bullish trend. The MACD of 4.87 indicates Positive momentum. The RSI at 61.69 is Neutral, neither overbought nor oversold. The STOCH value of 47.86 is Neutral, not indicating any strong overbought or oversold conditions. Overall, these indicators collectively point to a Positive sentiment for GB:SBRE.
Sabre Insurance Group plc Peers Comparison
UnderperformOutperform
Sector (68)
Name | Overall Rating | Market Cap | P/E Ratio | ROE | Dividend Yield | Revenue Growth | EPS Growth |
|---|---|---|---|---|---|---|---|
76 Outperform | £1.45B | 6.98 | 15.28% | 11.03% | 8.78% | -38.83% | |
75 Outperform | £381.09M | 8.52 | 11.29% | 4.89% | 7.77% | 35.65% | |
68 Neutral | $18.00B | 11.42 | 9.92% | 3.81% | 9.73% | 1.22% | |
65 Neutral | £693.08M | -18.58 | -106.78% | ― | -35.05% | 74.73% | |
58 Neutral | £136.97M | 9.54 | 10.08% | 2.90% | ― | ― | |
53 Neutral | £672.06M | -59.40 | -2.93% | 8.03% | -48.03% | -289.17% | |
47 Neutral | £2.27B | -22.73 | -8.84% | 1.22% | -7.30% | -27.69% |
* Financial Sector Average
GB:SBRE
Sabre Insurance Group plc
156.00
46.56
42.55%
GB:CSN
Chesnara
291.00
94.21
47.87%
GB:HUW
Helios Underwriting
200.00
22.64
12.76%
GB:LRE
Lancashire Holdings
596.00
159.87
36.66%
GB:SAGA
Saga plc
486.50
368.70
312.99%
GB:JUST
Just Group plc
218.50
100.34
84.92%
Sabre Insurance Group plc Corporate Events
Regulatory Filings and Compliance
Sabre executives boost stakes via share incentive plan
Positive
Mar 11, 2026
Sabre Insurance Group plc has disclosed that three senior executives, including Chief Executive Officer Geoff Carter, Claims Director Trevor Webb and Chief Actuary Matt Wright, have increased their holdings through the company’s all-employee...
Business Operations and StrategyStock BuybackDividendsFinancial Disclosures
Sabre Insurance lifts profit, raises dividend and launches £5m buyback
Positive
Mar 10, 2026
Sabre Insurance Group reported a 4.9% rise in 2025 profit before tax to £51m, with its net insurance margin improving to 19.2% despite a 14.2% fall in gross written premiums as it prioritised pricing discipline over volume in a softer market....
Business Operations and StrategyRegulatory Filings and Compliance
Sabre executives top up holdings under employee share plan
Positive
Feb 11, 2026
Sabre Insurance Group has disclosed that its chief executive Geoff Carter, claims director Trevor Webb and chief actuary Matt Wright have all increased their holdings in the company through its Share Incentive Plan. Each executive purchased 116 pa...
Regulatory Filings and Compliance
Sabre Insurance Executives Add Shares Through HMRC-Approved Incentive Plan
Positive
Jan 13, 2026
Sabre Insurance Group plc has disclosed that three senior executives – chief executive Geoff Carter, claims director Trevor Webb and chief actuary Matt Wright – each acquired 149 ordinary shares in the company on 12 January 2026 throug...
Glossary
BuyA stock rated as a "Buy" is expected to perform better than the overall market or a specific benchmark over the near-to-medium term. This rating suggests the stock is likely to deliver higher returns compared to other stocks in the same sector or market index. Note: This is not investment advice; please consult a financial advisor before making investment decisions.
HoldA stock rated as a "Hold" is expected to perform in line with the overall market or a specific benchmark. This rating indicates that the stock is neither particularly compelling nor unfavorable for investment. Note: This is not investment advice; please consult a financial advisor before making investment decisions.
SellA stock rated as a "Sell" is expected to perform worse than the overall market or a specific benchmark over the near-to-medium term. This rating suggests the stock may deliver lower returns compared to other stocks in the same sector or market index. Note: This is not investment advice; please consult a financial advisor before making investment decisions.
Disclaimer
This AI Analyst Stock Report is automatically generated by our AI systems using advanced algorithms and publicly available financial, technical, and market data. While the information provided aims to be accurate and insightful, it is intended for informational purposes only and should not be considered financial advice. Any content created by an AI (Artificial Intelligence) system may contain inaccuracies and/or contain errors. Investing in stocks carries inherent risks, and past performance is not indicative of future results. This report does not account for your personal financial circumstances, objectives, or risk tolerance. Always conduct your own research or consult with a qualified financial advisor before making investment decisions. The analysis and recommendations provided are based on historical and current data and may not fully reflect future market conditions or unexpected developments. Neither the creators of this report nor its affiliated entities guarantee the accuracy, completeness, or reliability of the information presented. Use this report at your own discretion and risk.