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

Sabre Insurance Group plc (SBRE) AI Stock Analysis

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GB:SBRE

Sabre Insurance Group plc

(LSE:SBRE)

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Outperform 75 (OpenAI - 5.2)
Rating:75Outperform
Price Target:
147.00p
▲(10.86% 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 (SBRE) vs. iShares MSCI United Kingdom ETF (EWC)

Sabre Insurance Group plc Business Overview & Revenue Model

Company DescriptionSabre 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 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
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
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
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.
BreakdownTTMDec 2024Dec 2023Dec 2022Dec 2021Dec 2020
Income Statement
Total Revenue181.97M223.18M193.25M184.95M159.43M181.54M
Gross Profit107.64M223.18M156.93M144.23M147.78M181.54M
EBITDA53.81M0.0023.75M14.32M37.60M49.56M
Net Income30.31M35.96M18.07M11.08M30.14M39.80M
Balance Sheet
Total Assets683.50M665.81M630.14M459.66M479.35M495.28M
Cash, Cash Equivalents and Short-Term Investments342.06M342.50M35.08M18.50M30.61M37.90M
Total Debt0.000.000.000.00193.00K194.00K
Total Liabilities437.16M407.46M387.73M237.16M226.62M228.88M
Stockholders Equity246.34M258.35M242.41M222.50M252.73M266.40M
Cash Flow
Free Cash Flow-7.95M22.07M23.68M19.36M33.28M50.68M
Operating Cash Flow-7.94M22.07M25.34M19.40M33.31M50.69M
Investing Cash Flow33.15M0.00-1.67M-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
Positive
Last Price132.60
Price Trends
50DMA
128.54
Positive
100DMA
133.43
Negative
200DMA
133.70
Negative
Market Momentum
MACD
0.95
Negative
RSI
60.09
Neutral
STOCH
63.59
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 132.6 is above the 20-day moving average (MA) of 129.05, above the 50-day MA of 128.54, and below the 200-day MA of 133.70, indicating a neutral trend. The MACD of 0.95 indicates Negative momentum. The RSI at 60.09 is Neutral, neither overbought nor oversold. The STOCH value of 63.59 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

Overall Rating
UnderperformOutperform
Sector (68)
Financial Indicators
Name
Overall Rating
Market Cap
P/E Ratio
ROE
Dividend Yield
Revenue Growth
EPS Growth
76
Outperform
£1.47B8.1815.18%11.03%8.78%-38.83%
75
Outperform
£323.92M8.2816.39%4.89%7.77%35.65%
72
Outperform
£701.93M-66.96-2.53%8.03%-48.03%-289.17%
68
Neutral
$18.00B11.429.92%3.81%9.73%1.22%
66
Neutral
£2.26B34.865.21%1.22%-7.30%-27.69%
62
Neutral
£616.15M-16.18-76.14%-35.05%74.73%
58
Neutral
£141.08M8.062.90%
* Financial Sector Average
Performance Comparison
Ticker
Company Name
Price
Change
% Change
GB:SBRE
Sabre Insurance Group plc
132.60
14.34
12.13%
GB:CSN
Chesnara
304.00
101.06
49.80%
GB:HUW
Helios Underwriting
206.00
16.18
8.52%
GB:LRE
Lancashire Holdings
603.00
71.78
13.51%
GB:SAGA
Saga plc
432.50
315.70
270.29%
GB:JUST
Just Group plc
217.50
80.30
58.53%

Sabre Insurance Group plc Corporate Events

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

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.

Business Operations and Strategy
Sabre Insurance Directors Increase Shareholdings Through Incentive Plan
Positive
Nov 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. 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.

Regulatory Filings and Compliance
Sabre Insurance Group Updates Share Capital and Voting Rights
Neutral
Oct 31, 2025

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.

Other
Sabre Insurance Director Increases Stake with Share Purchase
Positive
Oct 23, 2025

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.

Business Operations and StrategyStock BuybackFinancial Disclosures
Sabre Insurance Group Reaffirms Profit Guidance Amid Market Challenges
Positive
Oct 16, 2025

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.

Business Operations and Strategy
Sabre Insurance Executives Increase Stake Through Share Incentive Plan
Positive
Oct 13, 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. This move, involving key figures like the CEO, Claims Director, and Chief Actuary, reflects a commitment to align their interests with those of shareholders, potentially strengthening stakeholder confidence and enhancing the company’s market position.

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.

Stock BuybackRegulatory Filings and Compliance
Sabre Insurance Executes Share Buy-Back, Adjusts Voting Rights
Neutral
Oct 3, 2025

Sabre Insurance Group plc has executed a share buy-back program, purchasing 35,000 ordinary shares for cancellation. This transaction, conducted on the London Stock Exchange, reduces the total number of shares in issue to 246,600,000, impacting the company’s total voting rights and potentially affecting shareholder calculations under regulatory rules.

The most recent analyst rating on (GB:SBRE) stock is a Buy with a £1.78 price target. To see the full list of analyst forecasts on Sabre Insurance Group plc stock, see the GB:SBRE Stock Forecast page.

Stock Buyback
Sabre Insurance Concludes £5 Million Share Buyback Programme
Positive
Oct 3, 2025

Sabre Insurance Group plc has completed its on-market share buyback programme, which was initiated on 1 July 2025, with the repurchase of 3,400,000 Ordinary Shares for a total of £4,997,750. This buyback, approved by shareholders, aimed to optimize the company’s capital structure and enhance shareholder value, resulting in a total of 246,600,000 voting rights post-cancellation.

The most recent analyst rating on (GB:SBRE) stock is a Buy with a £1.78 price target. To see the full list of analyst forecasts on Sabre Insurance Group plc stock, see the GB:SBRE Stock Forecast page.

Stock Buyback
Sabre Insurance Executes Share Buy-Back, Adjusts Voting Rights
Neutral
Oct 2, 2025

Sabre Insurance Group plc has announced the purchase and cancellation of 31,635 ordinary shares as part of its share buy-back program, authorized by shareholders earlier this year. This transaction, conducted through Panmure Liberum Limited on the London Stock Exchange, impacts the total voting rights, reducing the number of shares in issue to 246,635,000, which shareholders can use to determine their interest in the company.

The most recent analyst rating on (GB:SBRE) stock is a Buy with a £1.78 price target. To see the full list of analyst forecasts on Sabre Insurance Group plc stock, see the GB:SBRE Stock Forecast page.

Business Operations and StrategyStock Buyback
Sabre Insurance Executes Share Buy-Back to Optimize Capital Structure
Positive
Oct 1, 2025

Sabre Insurance Group plc has executed a share buy-back program, purchasing 39,937 of its own ordinary shares for cancellation. This transaction, conducted through Panmure Liberum Limited on the London Stock Exchange, is part of a strategy to manage the company’s capital structure, potentially enhancing shareholder value by reducing the number of shares in circulation, which impacts the total voting rights and may influence shareholder notifications under regulatory guidelines.

The most recent analyst rating on (GB:SBRE) stock is a Buy with a £1.78 price target. To see the full list of analyst forecasts on Sabre Insurance Group plc stock, see the GB:SBRE Stock Forecast page.

Regulatory Filings and Compliance
Sabre Insurance Group Updates Total Voting Rights
Neutral
Sep 30, 2025

Sabre Insurance Group plc has announced that as of 30 September 2025, its issued and fully paid share capital consists of 246,797,970 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 or changes in interest in the company under the Disclosure and Transparency Rules.

The most recent analyst rating on (GB:SBRE) stock is a Buy with a £1.78 price target. To see the full list of analyst forecasts on Sabre Insurance Group plc stock, see the GB:SBRE Stock Forecast page.

Stock BuybackRegulatory Filings and Compliance
Sabre Insurance Executes Share Buy-Back, Adjusts Voting Rights
Neutral
Sep 30, 2025

Sabre Insurance Group plc has announced the repurchase and cancellation of 16,139 ordinary shares as part of its share buy-back program, authorized by shareholders earlier this year. This transaction, conducted through Panmure Liberum Limited, impacts the company’s total voting rights, reducing the number of shares in issue to 246,706,572, which may affect shareholder calculations under the Financial Conduct Authority’s rules.

The most recent analyst rating on (GB:SBRE) stock is a Buy with a £1.78 price target. To see the full list of analyst forecasts on Sabre Insurance Group plc stock, see the GB:SBRE Stock Forecast page.

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.Date of analysis: Dec 30, 2025