Sabre Insurance Group plc (SBRE) AI Stock Analysis

• Market Cap: £317.57M
• Dividend Yield: 4.89%
• Average Volume (3M): 495.13K
• Price to Earnings (P/E): 8.1
• Beta (1Y): 0.43
• Revenue Growth: 7.77%
• EPS Growth: 35.65%
• Country: UK
• Employees: 167
• Sector: Financial
• Sector Strength: 70
• Industry: Insurance - Brokers
• EPS (TTM): 0.08
• Shares Outstanding: 246,600,000
• 10 Day Avg. Volume: 637,707
• 30 Day Avg. Volume: 495,126
• PEG Ratio: 0.10
• Price to Book (P/B): 1.33
• Price to Sales (P/S): 1.54
• P/FCF Ratio: 15.53
• Enterprise Value/Market Cap: N/A
• Enterprise Value/Revenue: N/A
• Enterprise Value/Gross Profit: N/A
• Enterprise Value/Ebitda: N/A
• 1Y Price Target: £153.50
• Price Target Upside: 18.08% Upside
• Rating Consensus: Moderate Buy
• Number of Analyst Covering: 2
• EPS Forecast (FY): N/A
• Revenue Forecast (FY): N/A

• Rating: 75 Outperform
• Price Target: 147.00p ▲(13.08% Upside)

The score is driven primarily by solid financial quality (notably a very strong, low-leverage balance sheet) and attractive valuation (low P/E and high dividend yield). Technicals are moderately supportive but mixed versus longer-term averages, while recent corporate actions (buyback and insider buying) add a positive tailwind.

Positive Factors

Revenue Growth

Consistent revenue growth indicates strong market demand and effective business strategies, supporting long-term expansion and stability.

Balance Sheet Health

A debt-free balance sheet enhances financial flexibility and reduces risk, allowing for strategic investments and resilience in downturns.

Management Confidence

Insider buying through incentive plans aligns management interests with shareholders, signaling confidence in the company's future prospects.

Negative Factors

Cash Flow Fluctuations

Decreasing cash flow ratios may indicate potential liquidity issues, affecting the company's ability to fund operations and growth sustainably.

Equity Decline

A decline in equity can signal weakening financial health, potentially impacting the company's ability to leverage assets for growth.

Absence of Operational Metrics

Lack of key operational metrics like EBIT and EBITDA hinders comprehensive analysis of efficiency and profitability, impacting strategic planning.

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 direct brands, including Go Girl, Insure 2 Drive, and Drive Smart. The company was founded in 1982 and is based in Dorking, the United Kingdom.

How the Company Makes Money

Sabre 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

Strong balance-sheet quality (effectively no debt and improved ROE) supports resilience, while profitability improved in 2024. However, uneven revenue trends and volatility in earnings/cash generation (notably lower free cash flow in 2024) limit the score.

Income Statement

Revenue has been uneven (down in 2020–2021, recovered in 2022–2023, and dipped again in 2024), which limits visibility. Profitability improved meaningfully in 2024 with net margin rising to ~16% (vs ~9% in 2023) and net income nearly doubling, but this comes after a multi-year compression from the 2019–2020 peak. Reported operating profit metrics are mixed in 2024 (with an unusual operating margin reading versus prior years), so while the latest bottom-line result is strong, the overall earnings trajectory looks volatile rather than steadily compounding.

Balance Sheet

The balance sheet is a clear strength: total debt is effectively zero in recent years and debt-to-equity is near zero across the period, leaving the company with substantial financial flexibility. Equity is sizable and generally stable, and returns on equity improved to ~14% in 2024 (from ~7% in 2023), signaling better profitability on the capital base. The main drawback is that assets and equity have not shown consistent, strong expansion year-to-year, suggesting balance-sheet growth is steady but not a major driver.

Cash Flow

Cash generation remains solid, with positive operating cash flow and free cash flow each year, including 2024. Cash conversion is healthy (free cash flow roughly matching net income across the period), which supports earnings quality. However, free cash flow fell sharply in 2024 (down ~28% year over year) after a stronger 2023, indicating volatility in cash generation despite improved net income.

Breakdown	TTM	Dec 2024	Dec 2023	Dec 2022	Dec 2021	Dec 2020
Income Statement
Total Revenue	181.97M	223.18M	193.25M	184.95M	159.43M	181.54M
Gross Profit	107.64M	223.18M	156.93M	144.23M	147.78M	181.54M
EBITDA	53.81M	0.00	23.75M	14.32M	37.60M	49.56M
Net Income	30.31M	35.96M	18.07M	11.08M	30.14M	39.80M
Balance Sheet
Total Assets	683.50M	665.81M	630.14M	459.66M	479.35M	495.28M
Cash, Cash Equivalents and Short-Term Investments	342.06M	342.50M	35.08M	18.50M	30.61M	37.90M
Total Debt	0.00	0.00	0.00	0.00	193.00K	194.00K
Total Liabilities	437.16M	407.46M	387.73M	237.16M	226.62M	228.88M
Stockholders Equity	246.34M	258.35M	242.41M	222.50M	252.73M	266.40M
Cash Flow
Free Cash Flow	-7.95M	22.07M	23.68M	19.36M	33.28M	50.68M
Operating Cash Flow	-7.94M	22.07M	25.34M	19.40M	33.31M	50.69M
Investing Cash Flow	33.15M	0.00	-1.67M	-38.00K	-28.00K	-12.00K
Financing Cash Flow	-34.13M	-25.83M	-7.10M	-31.47M	-40.58M	-44.57M

Sabre Insurance Group plc Technical Analysis

• Technical Analysis Sentiment: Negative
• Last Price: 130.00
• 50DMA: Positive
• 100DMA: Negative
• 200DMA: Negative
• MACD: Positive
• RSI: Neutral
• STOCH: Neutral

Evaluating momentum and price trends is crucial in stock analysis to make informed investment decisions. For GB:SBRE, the sentiment is Negative. The current price of 130 is below the 20-day moving average (MA) of 130.71, above the 50-day MA of 128.93, and below the 200-day MA of 134.82, indicating a neutral trend. The MACD of 0.03 indicates Positive momentum. The RSI at 49.66 is Neutral, neither overbought nor oversold. The STOCH value of 38.24 is Neutral, not indicating any strong overbought or oversold conditions. Overall, these indicators collectively point to a Negative sentiment for GB:SBRE.

Sabre Insurance Group plc Peers Comparison

Name	Overall Rating	Market Cap	P/E Ratio	ROE	Dividend Yield	Revenue Growth	EPS Growth
LRE	76 Outperform	£1.50B	8.36	15.18%	11.03%	8.78%	-38.83%
SBRE	75 Outperform	£317.57M	8.11	16.39%	4.89%	7.77%	35.65%
CSN	72 Outperform	£705.49M	-67.29	-2.53%	8.03%	-48.03%	-289.17%
Sector *	68 Neutral	$18.00B	11.42	9.92%	3.81%	9.73%	1.22%
JUST	66 Neutral	£2.24B	34.62	5.21%	1.22%	-7.30%	-27.69%
SAGA	65 Neutral	£740.80M	-19.45	-76.14%	―	-35.05%	74.73%
HUW	58 Neutral	£142.45M	8.14	―	2.90%	―	―

Sabre Insurance Group plc Corporate Events

Sabre Insurance Executives Add Shares Through HMRC-Approved Incentive Plan

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 through its HMRC-approved Share Incentive Plan, comprising 112 partnership shares purchased at 133.62p and 37 matching shares awarded at no cost. The transactions, which marginally increase management’s direct economic stake and align their interests further with shareholders, were carried out on the London Stock Exchange and reported under EU Market Abuse Regulation requirements, underscoring ongoing compliance with governance and transparency standards.

The most recent analyst rating on (GB:SBRE) stock is a Buy with a £147.00 price target. To see the full list of analyst forecasts on Sabre Insurance Group plc stock, see the GB:SBRE Stock Forecast page.

Sabre Insurance Executives Increase Stake Through Share Incentive Plan

Sabre Insurance Group plc announced that its directors and persons discharging managerial responsibilities have acquired additional shares through the Company’s Share Incentive Plan. This move, involving key figures such as the CEO, Claims Director, and Chief Actuary, signifies a commitment to aligning management interests with shareholder value, potentially enhancing investor confidence.

The most recent analyst rating on (GB:SBRE) stock is a Buy with a £1.72 price target. To see the full list of analyst forecasts on Sabre Insurance Group plc stock, see the GB:SBRE Stock Forecast page.

Sabre Insurance Directors Increase Shareholdings Through Incentive Plan

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. This plan allows employees to purchase shares using salary deductions and receive matching shares, which reflects the company’s commitment to employee investment and aligns management interests with those of shareholders.

The most recent analyst rating on (GB:SBRE) stock is a Hold with a £135.00 price target. To see the full list of analyst forecasts on Sabre Insurance Group plc stock, see the GB:SBRE Stock Forecast page.

Sabre Insurance Group Updates Share Capital and Voting Rights

Sabre Insurance Group plc has announced that as of 31 October 2025, its issued and fully paid share capital consists of 246,600,000 ordinary shares, each with a nominal value of £0.001 and one voting right per share. This update is crucial for shareholders as it determines the denominator for calculating their interest in the company under the Disclosure and Transparency Rules, impacting how they report changes in their holdings.

The most recent analyst rating on (GB:SBRE) stock is a Buy with a £1.62 price target. To see the full list of analyst forecasts on Sabre Insurance Group plc stock, see the GB:SBRE Stock Forecast page.

Sabre Insurance Director Increases Stake with Share Purchase

Sabre Insurance Group plc announced that David Neave, a Non-executive Director, purchased 11,625 ordinary shares in the company at an average price of 130.61 pence per share. This transaction, conducted on the London Stock Exchange, represents 0.005 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.

The most recent analyst rating on (GB:SBRE) stock is a Buy with a £1.62 price target. To see the full list of analyst forecasts on Sabre Insurance Group plc stock, see the GB:SBRE Stock Forecast page.

Sabre Insurance Group Reaffirms Profit Guidance Amid Market Challenges

Sabre Insurance Group plc has reiterated its full-year profit guidance, expecting results to align with 2024 figures, as it maintains strong pricing discipline and margin management. Despite a decrease in gross written premiums, the company has completed a £5 million share buyback and continues to generate strong capital, supporting its confidence in making an attractive capital distribution at year-end. The company is progressing well towards its Ambition 2030 goals, with expectations of market pricing increases in late 2025 or early 2026, which could bolster profitability in the coming years.

The most recent analyst rating on (GB:SBRE) stock is a Sell with a £1.16 price target. To see the full list of analyst forecasts on Sabre Insurance Group plc stock, see the GB:SBRE Stock Forecast page.