Saga plc (SAGA.L) is currently considered not halal (non-compliant), per In-house ratio engine (last assessed 2026-08-28). See the full ratio breakdown and business-activity screen below for the reasoning.
⚠️ Financial ratios are only half the screen, and this verdict does not rest on them. Our business-activity screen classifies Saga plc under conventional insurance, which is an excluded sector — so the verdict is non-compliant even though some ratios below pass. Business activity is a hard gate that ratio math never captures.
Computed from Yahoo Finance fundamentals (Tier-4 provider, no filing available), balance sheet as of 2026-01-31. SAGA.L files no SEC reports, so these ratios come from the issuer's own published statements rather than XBRL.
Business activity: conventional_insurance
| Ratio | Value | Threshold | Result |
|---|---|---|---|
| Interest-bearing debt | 69.68% | 30.00% | Fail |
| Interest-bearing investments | 26.25% | 30.00% | Pass |
| Non-permissible income | 0.92% | 5.00% | Pass |
| Ratio | Value | Threshold | Result |
|---|---|---|---|
| Interest-bearing debt | 53.70% | 33.00% | Fail |
| Interest-bearing investments | 20.23% | 33.00% | Pass |
| Non-liquid assets | 72.06% | at least 20.00% | Pass |
| Non-permissible income | 0.92% | 5.00% | Pass |
| Ratio | Value | Threshold | Result |
|---|---|---|---|
| Interest-bearing debt | 53.70% | 33.33% | Fail |
| Cash + interest-bearing securities | 20.23% | 33.33% | Pass |
| Accounts receivable | 27.94% | 33.33% | Pass |
| Non-permissible income | 0.92% | 5.00% | Pass |
| Ratio | Value | Threshold | Result |
|---|---|---|---|
| Interest-bearing debt | 53.70% | 33.33% | Fail |
| Cash + interest-bearing securities | 20.23% | 33.33% | Pass |
| Accounts receivable | 27.94% | 50.00% | Pass |
| Non-permissible income | 0.92% | 5.00% | Pass |
Scored against a trailing-average market cap (24-month), share-weighted by the issuer's own reported share counts — not today's market cap.
| Ratio | Value | Threshold | Result |
|---|---|---|---|
| Interest-bearing debt | 140.71% | 33.00% | Fail |
| Cash + interest-bearing securities | 53.00% | 33.00% | Fail |
| Accounts receivable | 20.21% | 33.00% | Pass |
| Non-permissible income | 0.92% | 5.00% | Pass |
Scored against a trailing-average market cap (36-month), share-weighted by the issuer's own reported share counts — not today's market cap.
| Ratio | Value | Threshold | Result |
|---|---|---|---|
| Interest-bearing debt | 177.65% | 33.00% | Fail |
| Cash + interest-bearing securities | 66.91% | 49.00% | Fail |
| Accounts receivable | 25.52% | 49.00% | Pass |
| Non-permissible income | 0.92% | 5.00% | Pass |
Scored against a trailing-average market cap (36-month), share-weighted by the issuer's own reported share counts — not today's market cap.
| Ratio | Value | Threshold | Result |
|---|---|---|---|
| Interest-bearing debt | 177.65% | 33.33% | Fail |
| Cash + interest-bearing securities | 66.91% | 33.33% | Fail |
| Accounts receivable | 92.43% | 49.00% | Fail |
| Non-permissible income | 0.92% | 5.00% | Pass |
Research only, not investment advice. Thresholds are each standard-setter's published limits; a ratio marked “at least” is a floor, not a ceiling.
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Classic floor-trader pivots from the last completed daily bar. Highlighted pills are the levels bracketing the current price.
The range is measured volatility (ATR over the horizon), not a target — a wider band means a more volatile asset, not a stronger view. The direction is the indicator tally above. Every forecast is recorded when made and scored against the real price when it comes due, including the wrong ones. Not a recommendation, and not a fatwa.
| Indicator | Value | Signal |
|---|---|---|
| RSI (14) | 42.50 | NEUTRAL |
| Stochastic %K (14) | 33.12 | NEUTRAL |
| CCI (20) | -103.02 | BUY |
| Williams %R (14) | -66.88 | NEUTRAL |
| MACD (12,26,9) | -7.43 | SELL |
| ROC (10) | -9.08 | SELL |
| Momentum (10) | -62.36 | SELL |
| EMA (10) | 629.99 | SELL |
| SMA (10) | 631.56 | SELL |
| EMA (20) | 645.57 | SELL |
| SMA (20) | 655.18 | SELL |
| EMA (30) | 650.26 | SELL |
| SMA (30) | 668.85 | SELL |
| EMA (50) | 645.67 | SELL |
| SMA (50) | 660.47 | SELL |
| EMA (100) | 612.81 | BUY |
| SMA (100) | 617.05 | BUY |
| EMA (200) | 525.97 | BUY |
| SMA (200) | 539.33 | BUY |
Standard indicator thresholds (RSI 30/70, Stochastic 20/80, CCI ±100, Williams %R −80/−20, MACD histogram sign, price vs. average) computed on daily bars. A summary of what common indicators say — not a recommendation, and not this site's own trading verdict.
Consumer Cyclical · Travel Services
Saga plc, together with its subsidiaries, provides package and cruise holidays, general insurance, and personal finance products and services in the United Kingdom. It operates through three segments: Travel, Insurance, and Other Businesses and Central Costs. The company offers travel, motor, home, private medical, and other insurance products. It also operates and delivers ocean and river cruise holidays, as well as package tour and other holiday products; and provides savings accounts, equity release, legal services, mortgages, investment products and services. In addition, the company is involved in mailing house; publishing and delivering content provision of insurance broking, repair of automotive vehicles, debt service, motor accident management, and printing and mailing services; Saga Money which offers personal finance products; and Saga Publishing business. The company was founded in 1950 and is headquartered in London, the United Kingdom.
Background via Yahoo Finance — informational, not part of the verdict.
Research only, not the primary verdict above — SEC EDGAR (the source for the main in-house research card, if shown) has no data for this symbol, so this is computed from a real, country-specific filing instead. Business-activity screening isn't part of this check.
Based on the filing period ending 2026-01-31, figures in GBP.
Peer movement computing — it will appear here on its own.
NO DATA 0 buys · 0 sells
NEUTRAL report date 2026-09-01 · Asset managers net 934180 (-19048)
Plain-language summary of the evidence already on this page — the Sharia screen, structure, momentum, and order flow above. It explains the read; it doesn't make the call. Generated on demand (a live AI call), never run automatically.