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Sabre Insurance Group plc (GB:SBRE)
LSE:SBRE

Sabre Insurance Group plc (SBRE) AI Stock Analysis

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Sabre Insurance Group plc

(LSE:SBRE)

Rating:65Neutral
Price Target:
Sabre Insurance Group's overall stock score is bolstered by strong financial performance, particularly in revenue growth and profitability improvements, along with an undervalued stock price and attractive dividends. While the technical analysis suggests some caution due to the stock trading below key moving averages, the positive corporate events, such as insider buying and strategic initiatives, reinforce confidence in the company's prospects. The absence of earnings call data limits a more comprehensive assessment.

Sabre Insurance Group plc (SBRE) vs. iShares MSCI United Kingdom ETF (EWC)

Sabre Insurance Group plc Business Overview & Revenue Model

Company DescriptionSabre Insurance Group plc (SBRE) is a UK-based company specializing in the provision of non-life insurance products. The company primarily focuses on the motor insurance sector, offering a range of products including private car insurance, taxi insurance, and commercial vehicle insurance. Sabre Insurance Group operates with a straightforward business model, emphasizing competitive pricing and efficient claims processing to cater to a broad customer base across the United Kingdom.
How the Company Makes MoneySabre Insurance Group plc generates revenue primarily through the underwriting of insurance policies. The company's key revenue streams include premiums collected from policyholders for motor insurance products, such as private car and commercial vehicle insurance. Sabre maintains profitability by accurately assessing risk, setting appropriate premium prices, and managing claims efficiently to minimize losses. Additionally, investment income from the premiums collected contributes to the company's earnings. Strategic partnerships with brokers and a focus on customer service further support Sabre's revenue generation by expanding its market reach and enhancing customer retention.

Sabre Insurance Group plc Financial Statement Overview

Summary
Sabre Insurance Group demonstrates strong revenue growth and improved profitability, underpinned by a solid balance sheet characterized by zero debt. However, fluctuations in cash flow performance and the absence of EBIT and EBITDA metrics in 2024 require careful monitoring. The company is well-positioned within its industry but should address cash flow sustainability to maintain financial health.
Income Statement
65
Positive
Sabre Insurance Group shows consistent revenue growth with a notable 15.5% increase from 2023 to 2024. The net profit margin improved significantly to 16.1% in 2024, up from 9.3% in 2023, indicating enhanced profitability. However, the absence of EBIT and EBITDA data in 2024 prevents a full assessment of operational efficiency.
Balance Sheet
72
Positive
The company maintains a strong balance sheet with no debt recorded in the latest year, indicating prudent financial management. The equity ratio stands at 38.8%, reflecting a solid equity base relative to total assets. Return on equity improved to 13.9%, indicating better utilization of shareholder funds. However, the slight decline in stockholders' equity from 2023 to 2024 warrants attention.
Cash Flow
60
Neutral
Operating cash flow to net income ratio decreased slightly from 1.4 in 2023 to 0.6 in 2024, suggesting less cash generation relative to income. Free cash flow remained stable, but its growth rate was negative compared to the previous year. While free cash flow coverage of net income is adequate, declining cash flow metrics could signal potential liquidity constraints.
Breakdown
Dec 2024Dec 2023Dec 2022Dec 2021Dec 2020
Income StatementTotal Revenue
223.18M193.25M167.31M159.43M181.54M
Gross Profit
223.18M193.25M167.31M159.43M181.54M
EBIT
48.56M185.44M12.76M37.22M49.20M
EBITDA
0.0023.75M14.32M37.60M49.56M
Net Income Common Stockholders
35.96M18.07M11.08M30.14M39.80M
Balance SheetCash, Cash Equivalents and Short-Term Investments
342.50M35.08M18.50M30.61M37.90M
Total Assets
665.81M630.14M459.66M479.35M495.28M
Total Debt
0.000.000.00193.00K194.00K
Net Debt
-31.31M-35.08M-18.50M-30.42M-37.71M
Total Liabilities
407.46M387.73M237.16M226.62M228.88M
Stockholders Equity
258.35M242.41M222.50M252.73M266.40M
Cash FlowFree Cash Flow
22.07M23.68M19.36M33.28M50.68M
Operating Cash Flow
22.07M25.34M19.40M33.31M50.69M
Investing Cash Flow
0.00-1.67M-38.00K-28.00K-12.00K
Financing Cash Flow
-25.83M-7.10M-31.47M-40.58M-44.57M

Sabre Insurance Group plc Technical Analysis

Technical Analysis Sentiment
Positive
Last Price135.60
Price Trends
50DMA
123.74
Positive
100DMA
122.75
Positive
200DMA
126.58
Positive
Market Momentum
MACD
3.62
Negative
RSI
67.37
Neutral
STOCH
81.46
Negative
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 135.6 is above the 20-day moving average (MA) of 131.26, above the 50-day MA of 123.74, and above the 200-day MA of 126.58, indicating a bullish trend. The MACD of 3.62 indicates Negative momentum. The RSI at 67.37 is Neutral, neither overbought nor oversold. The STOCH value of 81.46 is Negative, 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

Overall Rating
UnderperformOutperform
Sector (64)
Financial Indicators
Name
Overall Rating
Market Cap
P/E Ratio
ROE
Dividend Yield
Revenue Growth
EPS Growth
GBADM
79
Outperform
£10.16B15.3256.17%3.71%34.86%95.18%
65
Neutral
£339.50M9.3814.37%9.72%32.88%99.17%
64
Neutral
$12.78B9.877.67%17015.06%12.34%-5.99%
GBDLG
63
Neutral
£3.90B26.715.97%2.33%26.11%-29.43%
63
Neutral
£13.82B83.324.06%8.80%-21.56%-61.14%
* Financial Sector Average
Performance Comparison
Ticker
Company Name
Price
Change
% Change
GB:SBRE
Sabre Insurance Group plc
135.60
-16.15
-10.64%
GB:ADM
Admiral
3,320.00
728.30
28.10%
GB:DLG
Direct Line Insurance
299.20
103.36
52.78%
GB:LGEN
Legal & General
241.80
14.47
6.37%

Sabre Insurance Group plc Corporate Events

Other
Sabre Insurance Announces Share Transfer by Chief Actuary
Neutral
Apr 17, 2025

Sabre Insurance Group plc announced a transaction involving Matthew Wright, the Chief Actuary, who transferred 14,007 ordinary shares from Jarvis Investment Management to Halifax Share Dealing. This transfer, which did not alter Mr. Wright’s beneficial ownership, reflects internal administrative adjustments rather than a change in market position or stakeholder impact.

Spark’s Take on GB:SBRE Stock

According to Spark, TipRanks’ AI Analyst, GB:SBRE is a Neutral.

Sabre Insurance Group’s overall stock score is supported by strong financial performance, particularly in revenue growth and profitability, and favorable corporate events like insider buying and strategic initiatives. While technical analysis suggests some caution due to the stock trading below key moving averages, the valuation metrics indicate the stock may be undervalued. The absence of earnings call data limits a complete assessment, but the company’s strategic moves and financial health position it well for future growth.

To see Spark’s full report on GB:SBRE stock, click here.

Other
Sabre Insurance Executives Increase Shareholdings Through Incentive Plan
Positive
Apr 11, 2025

Sabre Insurance Group plc announced that its directors and persons discharging managerial responsibilities have acquired additional shares in the company through the Share Incentive Plan (SIP). This plan, approved by HM Revenue and Customs, allows employees to purchase shares using salary deductions and receive matching shares at no additional cost. The acquisition of shares by key executives, including the CEO and other directors, underscores their confidence in the company’s future prospects and aligns their interests with those of shareholders.

Spark’s Take on GB:SBRE Stock

According to Spark, TipRanks’ AI Analyst, GB:SBRE is a Neutral.

Sabre Insurance Group’s overall stock score is supported by strong financial performance and favorable corporate events, including insider buying and strategic initiatives like share buybacks and increased dividends. While technical analysis suggests some caution due to the stock trading below key moving averages, the valuation metrics indicate the stock may be undervalued. The absence of earnings call data limits a complete assessment, but the company’s strategic moves and financial health position it well for future growth.

To see Spark’s full report on GB:SBRE stock, click here.

Other
Sabre Insurance CFO Increases Stake in Company
Positive
Apr 10, 2025

Sabre Insurance Group plc announced that its Chief Financial Officer, Adam Westwood, has purchased 7,959 ordinary shares in the company at an average price of 125.00 pence per share. This transaction increases Mr. and Mrs. Westwood’s total holding to 771,146 shares, representing 0.31% of the company’s issued share capital, potentially indicating confidence in the company’s future performance.

Spark’s Take on GB:SBRE Stock

According to Spark, TipRanks’ AI Analyst, GB:SBRE is a Neutral.

Sabre Insurance Group’s solid financial performance, characterized by revenue growth and improved profitability, is a major strength. The absence of debt enhances this position, though cash flow fluctuations require attention. The technical outlook is neutral, while valuation metrics suggest the stock is attractive. Positive corporate events, like insider share purchases and strategic announcements, further support the confidence in the company’s future.

To see Spark’s full report on GB:SBRE stock, click here.

Executive/Board ChangesBusiness Operations and Strategy
Sabre Insurance Grants Share Awards to Key Executives
Neutral
Apr 8, 2025

Sabre Insurance Group plc announced the granting of conditional awards of ordinary shares to its directors and persons discharging managerial responsibilities under the 2017 Deferred Bonus Plan. These awards, which are based on bonuses earned for the financial year ending December 31, 2024, will vest on the second anniversary of the grant date. This move reflects the company’s commitment to aligning the interests of its leadership with those of its shareholders, potentially impacting its operational strategies and market positioning.

Spark’s Take on GB:SBRE Stock

According to Spark, TipRanks’ AI Analyst, GB:SBRE is a Neutral.

Sabre Insurance Group’s solid financial performance, characterized by revenue growth and improved profitability, is a major strength. The absence of debt enhances this position, though cash flow fluctuations require attention. The technical outlook is neutral, while valuation metrics suggest the stock is attractive. Positive corporate events, like insider share purchases and strategic announcements, further support the confidence in the company’s future.

To see Spark’s full report on GB:SBRE stock, click here.

Business Operations and Strategy
Sabre Insurance Group Announces Long Term Incentive Awards
Neutral
Apr 8, 2025

Sabre Insurance Group plc has announced the granting of conditional awards of ordinary shares to its directors and persons discharging managerial responsibilities under the 2017 Long Term Incentive Plan. These awards are subject to performance conditions, including maintaining a solvency coverage ratio above 140% and achieving a return on tangible equity over 10%. The awards, which will vest after three years with an additional two-year retention period, aim to align management incentives with company performance, potentially impacting the company’s operational focus and stakeholder confidence.

Spark’s Take on GB:SBRE Stock

According to Spark, TipRanks’ AI Analyst, GB:SBRE is a Neutral.

Sabre Insurance Group’s solid financial performance, characterized by revenue growth and improved profitability, is a major strength. The absence of debt enhances this position, though cash flow fluctuations require attention. The technical outlook is neutral, while valuation metrics suggest the stock is attractive. Positive corporate events, like insider share purchases and strategic announcements, further support the confidence in the company’s future.

To see Spark’s full report on GB:SBRE stock, click here.

Executive/Board ChangesBusiness Operations and Strategy
Sabre Insurance Group Announces LTIP Awards Vesting and Share Transactions
Neutral
Apr 8, 2025

Sabre Insurance Group plc announced the vesting of awards under its 2017 Long Term Incentive Plan, with the Remuneration Committee confirming that all pre-determined conditions were met, resulting in a 100% vesting. Directors and PDMRs sold shares to cover tax liabilities, reflecting a structured approach to executive compensation and aligning management interests with shareholder value.

Spark’s Take on GB:SBRE Stock

According to Spark, TipRanks’ AI Analyst, GB:SBRE is a Neutral.

Sabre Insurance Group’s solid financial performance, characterized by revenue growth and improved profitability, is a major strength. The absence of debt enhances this position, though cash flow fluctuations require attention. The technical outlook is neutral, while valuation metrics suggest the stock is attractive. Positive corporate events, like insider share purchases and strategic announcements, further support the confidence in the company’s future.

To see Spark’s full report on GB:SBRE stock, click here.

Shareholder MeetingsFinancial Disclosures
Sabre Insurance Group Releases 2024 Annual Report and AGM Details
Neutral
Apr 4, 2025

Sabre Insurance Group plc has published its Annual Report for the financial year ending December 31, 2024, and announced the details for its upcoming Annual General Meeting (AGM). The AGM is scheduled for May 22, 2025, in Dorking, and shareholders are encouraged to confirm their attendance. This announcement provides stakeholders with essential information about the company’s financial performance and governance activities, reinforcing its commitment to transparency and shareholder engagement.

Other
Sabre Insurance Director Increases Stake with Share Purchase
Positive
Mar 27, 2025

Sabre Insurance Group plc announced that Ian Chapple, a Non-executive Director, and Mrs. Chapple purchased 15,611 ordinary shares of the company at an average price of 127.39 pence per share. This transaction represents 0.006 percent of the company’s issued share capital, indicating a modest increase in insider ownership, which may reflect confidence in the company’s future performance.

Other
Sabre Insurance CEO Increases Stake with Share Purchase
Positive
Mar 20, 2025

Sabre Insurance Group plc announced that its CEO, Geoff Carter, purchased 3,805 ordinary shares of the company at an average price of 131.40 pence per share. This transaction increases Mr. and Mrs. Carter’s total holding to 1,723,519 shares, representing 0.69% of the company’s issued share capital, potentially signaling confidence in the company’s future performance.

Stock BuybackDividendsBusiness Operations and StrategyFinancial Disclosures
Sabre Insurance Reports Record Profits and Growth Strategy Progress
Positive
Mar 18, 2025

Sabre Insurance Group plc reported a significant increase in its financial performance for the year 2024, with profit before tax more than doubling and gross written premiums reaching record levels. The company has announced a 44.4% increase in dividends and plans a £5 million share buyback, reflecting confidence in its Ambition 2030 growth strategy. Despite market challenges, Sabre has maintained strong underwriting discipline and is well-positioned to navigate the current market dynamics, with expectations of continued profitability and growth in the coming years.

Business Operations and Strategy
Sabre Insurance Directors Increase Shareholdings Through Incentive Plan
Positive
Mar 11, 2025

Sabre Insurance Group plc announced that its directors and persons discharging managerial responsibilities have acquired additional shares in the company through its Share Incentive Plan (SIP). This plan allows employees to purchase shares using salary deductions and receive matching shares at no additional cost. The transactions, which were conducted on the London Stock Exchange, reflect the company’s strategy to align the interests of its management with those of its shareholders, potentially strengthening stakeholder confidence.

Financial Disclosures
Sabre Insurance Group to Announce 2024 Financial Results
Neutral
Feb 24, 2025

Sabre Insurance Group plc announced it will release its financial results for the year ending 31 December 2024 on 18 March 2025. This announcement is significant for stakeholders as it will provide insights into the company’s performance and potentially its market position within the motor insurance sector.

Business Operations and Strategy
Sabre Insurance Executives Increase Stake via Share Incentive Plan
Positive
Feb 11, 2025

Sabre Insurance Group plc announced that its directors and senior management have increased their shareholdings in the company through the Share Incentive Plan (SIP). This initiative, approved by HM Revenue and Customs, allows employees to purchase shares using salary deductions and receive additional matching shares. This move signifies the commitment of Sabre’s leadership to the company’s growth and aligns their interests with shareholders, potentially enhancing stakeholder confidence and supporting the company’s market position.

Glossary
OutperformA stock rated as "Outperform" is expected to perform better than the overall market or a specific benchmark over the near-to-medium term. This rating suggests that the stock is likely to deliver higher returns compared to the average returns of other stocks in the same sector or market index. Investors might consider this stock a good buying opportunity.
NeutralA stock rated as "Neutral" is expected to perform in line with the overall market or a specific benchmark. This rating indicates that the stock is neither particularly attractive nor unattractive for investment. Investors may consider holding onto the stock, as it is not expected to either significantly outperform or underperform the market.
UnderperformA stock rated as "Underperform" is expected to perform worse than the overall market or a specific benchmark over the near-to-medium term. This rating suggests that the stock may deliver lower returns compared to the average returns of other stocks in the same sector or market index. Investors might consider selling the stock or avoiding it as an investment.

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.