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Sabre Insurance Group (SBIGY) fair value: what the stock is really worth
As of Sep 25, 2026: fair value of Sabre Insurance Group $6.82, price $8.63, upside -21.0%, quality 66 out of 100. Calculated from audited financials with 26 valuation models and 37 quality factors, updated daily.
- Fair value above price? No
- Good quality? Yes
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SI
Broad data
Sep 24, 2026
Broad data
Sep 24, 2026
Sabre Insurance Group
SBIGY · USOvervalued / MonitorQuality is not strong enough to offset the price risk.
!Fair value $6.82 · Overvalued (−21.0%)
✓Quality 66/100
✓Healthy Growth (revenue 5y +5.9 %/yr)
✓Solidly profitable · 19.0% net margin (TTM)
✓generates free cash flow
✓8.5% dividend yield · Sustainable
✓Wide moat 65/100
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What runs behind every stock
26
valuation models
8 families, DCF to NCAV
37
quality factors
margins, balance sheet, cashflow, debt
6
AI factors
moat, what no ratio measures
2,000+
data points
verified, per stock, median
69 individual criteria per stock, every one traceable See the method →
Price vs Fair Value
White line = price, green steps = our fair value per fiscal year, dashed = 300-day average. As of Sep 24, 2026.
How to read this chart
58‑month range $0.4652 – $9.04 · fair‑value band $5.12 – $8.53 · the $8.63 price screens above the $6.82 fair value. Green steps = our fair value per fiscal year (point-in-time, no hindsight). Dashed = 300-day average. As of Sep 24, 2026.
Company profile
Sabre Insurance Group plc, through its subsidiaries, writes general insurance for motor vehicles in the United Kingdom. It offers taxi, private car, and motorcycle insurance through a network of insurance brokers, as well as through its Go Girl and Insure 2 Drive brands. Sabre Insurance Group plc was founded in 1982 and is based in Dorking, United Kingdom.
Stock analysis
Sabre Insurance Group (SBIGY) currently trades at $8.63, while our model-based Fair Value estimate is $6.82, 21.0% below the price, so the stock looks overvalued today.
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Valuation
Bull case: the Dividend Discount group reads highest at a median of $8.42 per share, and 2 of the 6 models we run sit above the $8.63 price.
Bear case: the Asset-Based group reads lowest at $3.75, and 4 of the 6 models stay below the price. Evidence for this calculation is high.
Scenario range: $5.12 (bear) to $8.53 (bull), the price of $8.63 sits above it. Bear and bull are the same models on cautious and optimistic assumptions, a range, not a price target.
Quality & growth
The Quality Score stands at 66/100 (solid quality), in the Financial Services sector.
Healthy Growth: Revenue growth appears healthy and is supported by profitability and cash-flow quality.
Sabre Insurance Group reported revenue of £225M in FY2025 versus £149M in FY2021, a compound +10.9%/yr. Reported net income was £37.1M in FY2025, compounding +5.3%/yr from FY2021.
Key figures
Market cap $540M · P/E ratio 10.5 · P/S ratio 1.73 · EPS (TTM) $0.8200 · Dividend yield 8.5% · Net margin 16.5% · Return on equity 14.7% · Return on assets (EBIT) 5.6%.
Competitive moat
Our AI-assisted moat analysis scores the competitive advantage at 47 out of 100 (low confidence).
What moves the price
The share trades about 5% below its 52-week high and 37% above its 52-week low, currently above its 200-day average.
For context, the median of 10 Financial Services peers we cover trades at −54% fair-value upside, at −21%, SBIGY screens cheaper than that median.
Fair Value models
Bear $5.12
Fair Value $6.82
Bull $8.53
Model ⓘEach model values the company its own way (discounted cash flow, earnings, assets, dividends). The fair value above is their evidence-weighted blend, not the output of a single model. Based on fiscal year 2025 figures (about 9 months old). Earnings retained since then ($0.5270 per share) are deliberately not added.
Bear ⓘBear = the cautious scenario: the same model computed with conservative anchors (lower growth, margins and valuation multiples). Together with Bull it frames a plausible valuation range, not a price target.BaseBull ⓘBull = the optimistic scenario: the same model computed with favourable anchors (higher growth, margins and valuation multiples). Together with Bear it frames a plausible valuation range, not a price target. If a model's bull case is above four times its base value, the table shows that limit with a > sign (like the overall Bull above): beyond it no assumption holds.
Evidence ⓘEvidence = how well-backed THIS model's estimate is for this stock (0–100): how complete and reliable its input data are, and how well the model fits the company. The final Fair Value is an evidence-weighted blend, so better-evidenced models count more. Green ≥70, amber 50–69, grey below 50.
Highest evidence
Residual Income
$5.22
$6.07
$7.63
76
Gordon GGM
$6.00
$9.45
$12.90
68
DDM Multi-Stage
$6.00
$8.42
$10.73
67
All 6 models by family
Dividend Discount
Gordon GGM
$6.00
$9.45
$12.90
68
DDM Multi-Stage
$6.00
$8.42
$10.73
67
Multiples
P/E Multiple
$7.86
$10.48
$13.10
63
P/B Multiple
$5.87
$7.83
$9.79
55
Asset-Based
NCAV (Graham)
$2.80
$3.75
$5.59
51
Economic Profit
Residual Income
$5.22
$6.07
$7.63
76
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Set up alert →Quality Score breakdown
Overall quality
66/100
Of which business quality 64 · Market factors (momentum, volatility) 77
Profitability
48
Margins and returns on capital today
Quality Growth
41
Are margins and returns improving?
Cashflow
73
Earnings quality: real cash, not paper profit
Fin. Strength
64
Balance sheet, leverage, solvency risk
Investment
78
Disciplined investing over empire-building
Low Volatility
83
Calm price path (market factor)
Momentum
71
Price trend over the last 3–12 months (market factor)
52W Momentum
83
Distance to the 52-week high (market factor)
Net Issuance
82
Share count: buybacks or dilution?
Revenue & earnings trend
Growth Quality ⓘGrowth is valuable only when reinvestment earns attractive returns (Aswath Damodaran): sustainable growth depends on return on capital, reinvestment and efficiency. Basis: total company revenue over the periods shown on the cards (3Y/5Y/all years), not per share, so a merger can show up as a growth jump; per-share earnings growth is in the value-creation card.
81/100
Revenue growth appears healthy and is supported by profitability and cash-flow quality.
Revenue growth 1 year
+1.0%
Revenue growth 3 years ⓘMeasures the company's TOTAL revenue from reported annual statements: compound average growth per year (CAGR) from the fiscal year 3, 5 or N years back to the most recent comparable fiscal year. Not per share: buybacks do not change this number, and a merger can appear as a growth jump. Per-share growth (which does include buybacks) is in the value-creation card.
+12.9%
Revenue growth 5 years ⓘMeasures the company's TOTAL revenue from reported annual statements: compound average growth per year (CAGR) from the fiscal year 3, 5 or N years back to the most recent comparable fiscal year. Not per share: buybacks do not change this number, and a merger can appear as a growth jump. Per-share growth (which does include buybacks) is in the value-creation card.
+5.9%
Start year 2020 (pandemic)
Revenue growth 9 years ⓘMeasures the company's TOTAL revenue from reported annual statements: compound average growth per year (CAGR) from the fiscal year 3, 5 or N years back to the most recent comparable fiscal year. Not per share: buybacks do not change this number, and a merger can appear as a growth jump. Per-share growth (which does include buybacks) is in the value-creation card.
+2.0%
’16
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’18
’19
’20
’21
’22
’23
’24
’25
What shareholders gained per year (last 5 years) (mathematically smoothed) ⓘWhat the business itself delivers per year: earnings growth per share plus the dividend yield. This is what you get IF the market keeps valuing the stock the same way: it contains no assumption about the market changing its mind. Computed per share, so buybacks count and a merger does not pass as growth. For a company that pays no dividend it is pure earnings growth per share. Period: earnings growth per share as CAGR over the last 5 reported fiscal years (annual statements), plus the current dividend yield. The start value is the median of the three years around the start, so a single crisis year (a pandemic or a write-down) does not distort the rate. Smoothed = median of all growth paths between the years of the window (trend line on the logarithm of earnings per share): a single extreme year cannot distort the rate. The reported figure stays in the tooltip.
+11.6%
Earnings growth per share plus dividend.
Earnings per share, growth per year+3.1%
Dividend (yield on the price)8.5%
Pace: 5 vs 10 years ⓘTwo data points, not a trend model: earnings growth per share over the last 5 fiscal years against the last 10. Labelled "steady" when both rates are within 3 percentage points of each other, otherwise picking up or flattening. Shown only when ten years of history exist.−1.3% vs −1.2%, steady
Profit margin 2020 to 2025 ⓘOperating margin then vs now, from reported annual statements. A falling margin after a boom year is the classic peak-earnings signal: the growth rate then leans on an inflated base.29% → 22%
2025 sits 106% above its own trend. The rate follows the median trend of the last 5 years, not that single year.
Start year 2020 (pandemic)
Growth Forecast
Little optimism in the price
The price assumes less growth than the company has delivered so far and less than analysts expect.
What the price assumes ⓘThis turns our valuation around: instead of asking what the share is worth, it asks what growth the current price requires. It uses the cash the company keeps after all spending (free cash flow), the same discount rate as our models, five years of growth, then slowing evenly to 2 % a year by year ten. Compared with the analysts' sales forecasts extended to the same five years (at least three analysts, for context only, it does not enter the Fair Value): within 3 percentage points counts as "in line" (amber), below that little optimism (green), above that a lot of optimism (red).
−1.9%
Yearly growth needed for the next five years to justify today's price.
What forecasts expect ⓘAnalysts publish sales forecasts for the next two fiscal years. For the years after that, growth slows evenly to 2 % a year by year ten (2 % is the long-run rate our models use). Projected years are marked as such.
+5.9%
Yearly sales growth analysts expect, extended to five years.
After inflation (figures in GBP, UK: IMF forecast 2.3% a year to 2030, 3.3% from 2016 to 2025) that is about −4.1% a year for the price and +3.5% for the forecasts.
Forecast 2026 (sales)−0.1%
Forecast 2027 (sales)+8.7%
Projected 2028 (sales)+7.8%
Projected 2029 (sales)+7.0%
Projected 2030 (sales)+6.2%
Compare Sabre Insurance Group with another stock
Price, fair value, quality and upside side by side.
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Peer GroupⓘHow this stock ranks against its industry: the green marker is this stock, the band is the typical 25–75% peer range, and the tick is the median.Insurance Brokers · 37 stocks
Beats the industry median on 10/13 measures
Overall it ranks above its industry peers.
Valuation Multiplesvs Insurance Brokers median · lower = cheaper
Context: sector, industry, market
- Is the Financials sector expensive or cheap?
- P/E, EV/EBITDA and margins by industry (reference tables)
- Undervalued stocks: US Stocks
- Valuation of the USA market
Values & ESG
Does this company touch areas you may want to avoid? The classification is inferred from sector and industry.
None of the checked exposures detected
Similar stocks
10 more Insurance Brokers stocks, each showing price versus our Fair Value estimate.
| Stock | Price | Fair Value | vs Fair Value |
|---|---|---|---|
| Marsh & McLennan Companies, Inc MRSH | $171.12 | $78.64 | −54% |
| Arthur J. Gallagher & Co AJG | $229.46 | $75.76 | −67% |
| Aon plc AON | $277.99 | $120.53 | −57% |
| Willis Towers Watson Public Limited WTW | $293.99 | $145.43 | −51% |
| Brown & Brown, Inc BRO | $61.77 | $35.18 | −43% |
| Erie Indemnity Company ERIE | $222.43 | $100.27 | −55% |
| PB Fintech Limited POLICYBZR | ₹1,166 | ₹137.52 | −88% |
| Steadfast Group SDF | A$5.74 | A$3.15 | −45% |
| Accelerant Holdings ARX | $19.73 | $39.46 | +100% |
| Neptune Insurance Holdings NP | $27.51 | $3.33 | −88% |
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Frequently asked questions
Is Sabre Insurance Group (SBIGY) overvalued or undervalued?
As of Sep 24, 2026, our model estimates a fair value of $6.82 versus the last price from Sep 25, 2026 of $8.63, about −21% upside (overvalued).
What is the fair value of SBIGY?
Our model-based fair value for Sabre Insurance Group is $6.82 (as of Sep 24, 2026), built from audited fundamentals. Last price (from Sep 25, 2026): $8.63.
What is the quality score of SBIGY?
Sabre Insurance Group has a Quality Score of 66/100. It measures business quality (profitability, growth, cash flow, balance-sheet strength, investment discipline, share issuance). Market factors such as price momentum and volatility do not enter the number; they are shown separately in the detail view.
What is the price target for Sabre Insurance Group (SBIGY)?
Our model-based price target is the fair value of $6.82 (as of Sep 24, 2026) from 6 valuation models. Cautious scenario $5.12, optimistic scenario $8.53. It is a calculation from audited fundamentals, not an analyst target.
What is the Sabre Insurance Group stock forecast for 2026?
Our models put fair value at $6.82, about −21% upside versus the last price from Sep 25, 2026 of $8.63 (overvalued). Cautious scenario $5.12, optimistic scenario $8.53. The calculation is refreshed regularly with new filings.
What is the revenue of Sabre Insurance Group (SBIGY)?
Sabre Insurance Group reported trailing-twelve-month revenue of about £200M (latest available figure, as of Sep 24, 2026).
Does Sabre Insurance Group pay a dividend?
Sabre Insurance Group currently shows a dividend yield of about 8.54% relative to its recent price (as of Sep 24, 2026).
What growth is priced into Sabre Insurance Group (SBIGY)?
For today's price to be fair in a discounted-cash-flow model, Sabre Insurance Group would have to grow free cash flow by -1.9 % per year for five years (discount rate 11.2 %, then slowing evenly to 2 % perpetual growth by year ten). Over the last 5 years revenue grew +5.9 % per year. As of Sep 24, 2026.
What discount rate (WACC) does the fair value of SBIGY use?
Our models discount Sabre Insurance Group at 11.2 %: a base by market capitalisation (small), country premium for USA. The same rate applies in all 26 models.
What is a reverse DCF?
A reverse DCF turns the usual calculation around. Instead of deriving a value from assumptions, it takes today's price as given and asks: what free-cash-flow growth would a company have to deliver for exactly this price to be fair? The result is not a forecast but the expectation already priced in. For Sabre Insurance Group that is -1.9 % per year a year over ten years, using the same discount rate (11.2 %) and the same formula as our fair value.
How much growth has Sabre Insurance Group (SBIGY) delivered so far?
Over the past 5 years revenue at Sabre Insurance Group grew +5.9 % a year. The price currently implies -1.9 % per year free-cash-flow growth a year. Comparing the two shows how much confidence is in the price: if it demands more than has been delivered, the business has to accelerate for the maths to work.
How fast is the sector of Sabre Insurance Group (SBIGY) growing?
The median revenue growth in the sector is +9.2 % a year. That is the yardstick for the growth priced into Sabre Insurance Group (-1.9 % per year a year): it shows whether the expectation is within the usual range or beyond it.
What is the free cash flow yield of Sabre Insurance Group (SBIGY)?
The free-cash-flow yield on the price is 10.45 %: that much free cash flow Sabre Insurance Group produces per unit of market value. When it exceeds the discount rate of our models (11.2 %), the business already earns more than its cost of capital demands, and the price needs little additional growth.
What is the intrinsic value of Sabre Insurance Group (SBIGY)?
Intrinsic value and fair value mean the same thing: what the business is worth on its numbers, independent of the share price. For Sabre Insurance Group it is $6.82 per share (as of Sep 24, 2026), against a price of $8.63. It is the blended result of 6 valuation models (cash flow, earnings, asset, dividend).
Is Sabre Insurance Group stock overvalued or undervalued in 2026?
As of Sep 24, 2026, SBIGY trades above its calculated fair value: price $8.63, fair value $6.82, a gap of about −21% (overvalued). The calculation is refreshed with each new quarterly report, so the verdict can change during the year.
Is fair value the same as the market price of SBIGY?
No. The price is what the market pays today ($8.63); the fair value is what the company's own numbers justify ($6.82). For Sabre Insurance Group the two are $1.81 per share apart. That gap is exactly why we show both numbers side by side.
How much is Sabre Insurance Group worth?
The market values Sabre Insurance Group at about $540M (market capitalisation, as of Sep 24, 2026). Per share that is $8.63; our models calculate a fair value of $6.82 per share.
What do the bullish and bearish scenarios say about SBIGY?
Our models span a range for Sabre Insurance Group: cautious scenario $5.12, base $6.82, optimistic $8.53 per share (as of Sep 24, 2026, price $8.63). The range comes from different growth and margin assumptions, not from analyst opinions.
What is the P/E ratio of SBIGY?
Sabre Insurance Group trades at a price-to-earnings ratio of 10.5 (as of Sep 24, 2026). A P/E on its own says little: it compares the price with ONE year of profit, while our fair value of $6.82 is built from several models across several years. Other multiples: P/B 2.0, P/S 2.6, EV/EBITDA 9.8.
How solid is the balance sheet of Sabre Insurance Group (SBIGY)?
Balance-sheet figures for Sabre Insurance Group (as of Sep 24, 2026): return on equity 14.7%. They feed the Quality Score of 66/100, which measures business quality independently of the share price.
How far is SBIGY from its 52-week high?
Sabre Insurance Group trades at $8.63, about 5% below its 52-week high of $9.04 and 37% above the low of $6.29 (as of Sep 25, 2026). Distance from the high says nothing about value: that is what the fair value of $6.82 is for.
Which stocks are comparable to Sabre Insurance Group?
From the same area (Financial Services) we also value Marsh & McLennan Companies, Inc, Arthur J. Gallagher & Co, Aon plc, Willis Towers Watson Public Limited, among others. Each of them has its own fair-value calculation on this site using the same models, so the comparison is like for like.
Is Sabre Insurance Group stock attractive at the current price?
The data as of Sep 24, 2026: price $8.63, calculated fair value $6.82 (−21%), Quality Score 66/100, from 6 models. Whether that fits your horizon and risk tolerance is your call. We provide the calculation, not investment advice.
How is the fair value of SBIGY calculated?
We run Sabre Insurance Group through 6 models from four families: discounted cash flow, earnings models, asset and balance-sheet models, and dividend models. Every model gets the same audited fundamentals; the result is the weighted average of $6.82, with the spread shown as a cautious and an optimistic scenario.
Is it still worth investing in stocks now?
The global stock market currently sits 14.5 % above its aggregate fair value. Sabre Insurance Group itself currently trades above fair value. An expensive market is no reason to stay out and no reason to buy everything at once: keep a broad savings plan running, buy single stocks only with money you can do without, and hold part of your money liquid while the market is high. The full picture including sectors is on is it worth investing now.
What is the share price of Sabre Insurance Group (SBIGY)?
The latest price we hold is from Sep 25, 2026 and stands at $8.63. Our model-based fair value is $6.82, about −21% upside (overvalued). We carry closing prices from our data provider, not a live tick.
What should I pay attention to with Sabre Insurance Group right now?
Solid but not exceptional quality (66/100) and above fair value, neither a clear bargain nor a standout compounder. For a financial, book-value and earnings-based methods matter more than a cash-flow DCF, which fits banks and insurers poorly.
Key figures of Sabre Insurance Group
How large is the market capitalisation of Sabre Insurance Group (SBIGY)?
The market capitalisation of Sabre Insurance Group is $540M. The stock-market value of the whole company: share price times number of shares. It is what the market asks for the entire business today.
What is the P/S ratio of Sabre Insurance Group (SBIGY)?
The price-to-sales ratio of Sabre Insurance Group is 1.73 (P/E × margin). Price to sales: market value relative to yearly revenue. Useful when profit is thin or distorted.
What are the earnings per share of Sabre Insurance Group (SBIGY)?
Earnings per share at Sabre Insurance Group are $0.8200 (price ÷ EPS = P/E 10.5). Earnings per share over the last twelve months: total profit spread across every single share.
What is the dividend yield of Sabre Insurance Group (SBIGY)?
The dividend yield of Sabre Insurance Group is 8.5% (payout 89.9%). Yearly dividend relative to the share price. 3% pays 3 per 100 invested. Below: how much of profit is used for it.
What is the net margin of Sabre Insurance Group (SBIGY)?
The net margin of Sabre Insurance Group is 16.5% (fiscal year 2025). How much of every unit of revenue ends up as profit. 10% means 10 cents of profit per dollar of sales.
What is the return on equity of Sabre Insurance Group (SBIGY)?
The return on equity (ROE) of Sabre Insurance Group is 14.7% (last twelve months). Profit relative to shareholders' equity, how efficiently the company works with its owners' money.
What is the EBIT return on assets of Sabre Insurance Group (SBIGY)?
On an EBIT basis the return on assets of Sabre Insurance Group is 5.6% (avg 5y). Operating profit (EBIT) relative to everything the company owns, as a multi-year average. It describes the business model rather than one good or bad year.
What is the operating margin of Sabre Insurance Group (SBIGY)?
The operating margin of Sabre Insurance Group is 25.7% (last twelve months). Profit from the core business (before interest and taxes) relative to revenue.
How fast is revenue growing at Sabre Insurance Group (SBIGY)?
Revenue at Sabre Insurance Group is growing −13.4% versus a year earlier (3y avg +12.9%). How much revenue grew versus a year earlier (YoY). The 3-year average next to it puts the single year in context.
How fast are earnings growing at Sabre Insurance Group (SBIGY)?
Earnings per share at Sabre Insurance Group are growing −7.4% versus a year earlier. How much earnings per share grew versus a year earlier.
How much net cash does Sabre Insurance Group (SBIGY) hold?
Sabre Insurance Group holds more cash than debt, £25.4M net (fiscal year 2025). The company holds more cash than debt, a safety cushion.
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