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:
182.00 p
▲(10.04% Upside)
Action:Reiterated
Date: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
Near-zero leverage materially reduces financial risk and interest-rate sensitivity, giving Sabre durable capital flexibility. This conservatism supports underwriting capacity, ability to retain more risk or buy reinsurance, and resilience through insurance cycles over the next several months.
Negative Factors
Underwriting margin volatility
Material swings in underwriting margins reflect sensitivity to claims inflation, pricing cadence and reserve moves. That variability makes earnings and return-on-equity outcomes unpredictable, complicating capital allocation and long-term planning over the next several quarters.
Read all positive and negative factors
Positive Factors
Negative Factors
Conservative balance sheet
Near-zero leverage materially reduces financial risk and interest-rate sensitivity, giving Sabre durable capital flexibility. This conservatism supports underwriting capacity, ability to retain more risk or buy reinsurance, and resilience through insurance cycles over the next several months.
Read all positive factors
Sabre Insurance Group plc (SBRE) vs. iShares MSCI United Kingdom ETF (EWC)
Market Cap
£393.79M
Dividend Yield4.89%
Average Volume (3M)495.13K
Price to Earnings (P/E)14.0
Beta (1Y)0.46
Revenue Growth-10.30%
EPS Growth6.15%
CountryUK
Employees167
SectorFinancial
Sector Strength70
IndustryInsurance - Brokers
Share Statistics
EPS (TTM)0.12
Shares Outstanding245,995,270
10 Day Avg. Volume637,707
30 Day Avg. Volume495,126
Financial Highlights & Ratios
PEG Ratio1.21
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
£176.00Price Target Upside6.41% Upside
Rating ConsensusModerate Buy
Number of Analyst Covering3
EPS Forecast (FY)0.16
Revenue Forecast (FY)£227.18M
Sabre Insurance Group plc Business Overview & Revenue Model
Company Description
Sabre Insurance Group plc, through its subsidiaries, specializes in underwriting motor vehicle and motorcycle insurance policies throughout the United Kingdom. The company offers its coverage via two main channels: a network of independent insuran...
How the Company Makes Money
Sabre makes money mainly by underwriting general insurance risk, with motor insurance as its core product. Its primary revenue stream is gross written premiums (GWP) collected from policyholders (typically via intermediaries), which are recognized...
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 | 48.75M | 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
165.40
Price Trends
154.60
Positive
143.74
Positive
133.78
Positive
Market Momentum
3.13
Negative
58.43
Neutral
64.36
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 165.4 is above the 20-day moving average (MA) of 158.42, above the 50-day MA of 154.60, and above the 200-day MA of 133.78, indicating a bullish trend. The MACD of 3.13 indicates Negative momentum. The RSI at 58.43 is Neutral, neither overbought nor oversold. The STOCH value of 64.36 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 | £1.56B | 12.29 | 11.24% | 11.03% | 2.58% | -12.71% | |
75 Outperform | £393.79M | 14.04 | 11.29% | 4.89% | -10.30% | 6.15% | |
68 Neutral | $18.00B | 11.42 | 9.92% | 3.81% | 9.73% | 1.22% | |
66 Neutral | £143.46M | 7.37 | 10.08% | 2.90% | ― | ― | |
53 Neutral | £771.58M | -6.15 | -2.43% | 8.03% | -40.13% | -369.64% | |
52 Neutral | £792.09M | -84.86 | -15.72% | ― | 12.19% | ― |
* Financial Sector Average
GB:SBRE
Sabre Insurance Group plc
161.60
33.05
25.71%
GB:CSN
Chesnara
334.50
95.94
40.21%
GB:HUW
Helios Underwriting
209.50
-7.30
-3.37%
GB:LRE
Lancashire Holdings
638.00
167.14
35.50%
GB:SAGA
Saga plc
556.00
384.40
224.01%
Sabre Insurance Group plc Corporate Events
Stock BuybackRegulatory Filings and Compliance
Sabre Insurance Cuts Share Count as Buyback Trims Voting Capital
Positive
Jun 16, 2026
Sabre Insurance Group has continued executing its previously announced share buyback programme, repurchasing and cancelling a series of ordinary shares between 9 and 15 June 2026 at prices ranging roughly from 157.6p to 165p. The transactions, car...
Business Operations and StrategyRegulatory Filings and Compliance
Sabre Executives Increase Holdings Through Share Incentive Plan
Positive
Jun 11, 2026
Sabre Insurance Group has disclosed that three senior executives, including chief executive Geoff Carter, increased their holdings in the company through its HMRC-approved Share Incentive Plan. Carter, claims director Trevor Webb and chief actuary...
Business Operations and StrategyStock BuybackRegulatory Filings and Compliance
Sabre Insurance Cuts Share Count with Latest Buyback
Positive
Jun 9, 2026
Sabre Insurance Group plc has repurchased and cancelled 245,561 of its ordinary shares between 2 and 4 June 2026 under an existing share buyback authority, at prices ranging from 149.20p to 153.40p. The transactions, executed via Panmure Liberum, ...
DividendsRegulatory Filings and Compliance
Sabre executives add shares via dividend reinvestment plan
Neutral
Jun 8, 2026
Sabre Insurance Group plc has reported routine share transactions by several senior executives under its Share Incentive Plan. The company’s CEO, chief risk officer, claims director, CFO and chief actuary all acquired small numbers of ordina...
Business Operations and StrategyStock BuybackFinancial Disclosures
Sabre Insurance Launches £5m Share Buyback to Return Surplus Capital
Positive
Jun 2, 2026
Sabre Insurance Group plc has launched an on-market share buyback programme of up to £5m after receiving regulatory approval, following its earlier indication in March 2026. The board said the move reflects the company’s strong performa...
Executive/Board Changes
Sabre Insurance Chair Rebecca Shelley Takes Additional Role at B.P. Marsh
Positive
May 27, 2026
Sabre Insurance Group has announced that its Chair, Rebecca Shelley, has been appointed Non-executive Chair of B.P. Marsh and Partners, effective 26 May 2026. The additional chairmanship broadens Shelley’s governance responsibilities and may...
Stock BuybackDividendsFinancial DisclosuresShareholder Meetings
Sabre Insurance Wins Full Shareholder Backing at 2026 AGM
Positive
May 21, 2026
Sabre Insurance Group plc reported that all 20 resolutions at its 2026 Annual General Meeting were approved by shareholders via poll, including the adoption of the 2025 financial statements, the directors’ remuneration report, and the reappo...
Business Operations and StrategyFinancial Disclosures
Sabre Insurance lifts premiums and reaffirms 2026 profit guidance
Positive
May 21, 2026
Sabre Insurance Group reported a strong start to 2026, with total gross written premiums rising over 15% to £76.3m in the first four months, driven by an 18% increase in motor vehicle premiums and a near 48% surge in motorcycle premiums, part...
Business Operations and StrategyRegulatory Filings and Compliance
Sabre Insurance Executives Increase Holdings via Share Incentive Plan
Positive
May 12, 2026
Sabre Insurance Group plc disclosed that Chief Executive Officer Geoff Carter, Claims Director Trevor Webb and Chief Actuary Matt Wright have each increased their holdings in the company through its HMRC-approved Share Incentive Plan. On 11 May 20...
Business Operations and StrategyExecutive/Board ChangesRegulatory Filings and Compliance
Sabre Insurance Grants Long-Term Share Options to Senior Executives
Positive
Apr 22, 2026
Sabre Insurance Group has granted share options to several senior executives under its 2017 Sharesave Plan, aligning management incentives more closely with shareholder interests. Chief executive Geoff Carter, chief financial officer Adam Westwood...
Executive/Board ChangesRegulatory Filings and Compliance
Sabre Executives Adjust Holdings as Deferred Bonus Share Awards Vest
Neutral
Apr 14, 2026
Sabre Insurance Group has disclosed a series of share transactions by its chief executive, chief financial officer and other senior managers following the maturity of awards under its 2017 Deferred Bonus Plan. The awards, which stem from deferring...
Business Operations and StrategyRegulatory Filings and Compliance
Sabre Insurance Executives Boost Holdings via Share Incentive Plan
Positive
Apr 13, 2026
Sabre Insurance Group plc has reported that several senior executives, including Chief Executive Officer Geoff Carter, Chief Risk and Governance Officer Anneka Kingan, Claims Director Trevor Webb and Chief Actuary Matt Wright, have increased their...
Executive/Board ChangesRegulatory Filings and Compliance
Sabre Insurance Executives Vest 2023 LTIP Awards in Full
Positive
Apr 8, 2026
Sabre Insurance Group has confirmed that awards granted in 2023 under its 2017 Long Term Incentive Plan have vested in full after pre-set performance underpins were met. The vested ordinary shares, awarded to senior executives including the CEO, C...
Business Operations and StrategyExecutive/Board Changes
Sabre Insurance Grants Performance-Linked LTIP Share Awards to Senior Executives
Positive
Apr 8, 2026
Sabre Insurance Group has granted conditional share awards to five senior executives under its 2017 Long Term Incentive Plan, including CEO Geoff Carter and CFO Adam Westwood. The awards, which total several hundred thousand ordinary shares priced...
Executive/Board ChangesRegulatory Filings and Compliance
Sabre Insurance Grants Deferred Share Awards to Senior Executives
Positive
Apr 8, 2026
Sabre Insurance Group plc has granted conditional share awards to several senior executives under its 2017 Deferred Bonus Plan, reflecting bonuses earned for the 2025 financial year. Chief executive Geoff Carter, along with the chief risk and gove...
Financial DisclosuresRegulatory Filings and ComplianceShareholder Meetings
Sabre Insurance releases 2025 annual report and sets date for 2026 AGM
Neutral
Mar 30, 2026
Sabre Insurance Group plc has published its Annual Report and Accounts for the year ended 31 December 2025, alongside the Notice of its 2026 Annual General Meeting, on its investor website and via the U.K. National Storage Mechanism. Printed copie...
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.