Liva Insurance Co. (8280) Stock Recommendation | Score, Valuation, Technicals & Financial Trend

Score

Click here to find our call on this stock

Strong Sell

Sell

Hold

Buy

Strong Buy

Comparison

Company

Score

Quality

Valuation

Financial

Technical

Liva Insurance Co.

Why is Liva Insurance Co. ?

Weak Long Term Fundamental Strength with an average Return on Equity (ROE) of 2.20%

Poor long term growth as Net Sales has grown by an annual rate of 48.25% and Operating profit at 0%
The company has been able to generate a Return on Equity (avg) of 2.20% signifying low profitability per unit of shareholders funds

Flat results in Dec 25

OPERATING CASH FLOW(Y) Lowest at SAR -54.22 MM
DEBT-EQUITY RATIO (HY) Highest at 0 %
EPS(Q) Lowest at SAR 0

With ROE of 5.96%, it has a fair valuation with a 1.17 Price to Book Value

Over the past year, while the stock has generated a return of -42.46%, its profits have risen by 30.1% ; the PEG ratio of the company is 0.7

Below par performance in long term as well as near term

Along with generating -42.46% returns in the last 1 year, the stock has also underperformed Saudi Arabia All Share TASI in the last 3 years, 1 year and 3 months

Real-Time Research Report

Verdict Report

How much should you hold?

Overall Portfolio exposure to Liva Insurance Co. should be less than 10%
Overall Portfolio exposure to Capital Markets should be less than 30%

(If sector exposure > 30%, please use optimiser tool to see which are the best stocks to hold in Capital Markets)

When to exit? - We will constantly monitor the company and suggest at the appropriate time to exit from the stock

Is Liva Insurance Co. for you?

Medium Risk, Low Return

Absolute

Risk Adjusted

Volatility

Liva Insurance Co.

-100.0%

-1.27

35.10%

Saudi Arabia All Share TASI

-11.13%

-0.71

15.65%

Quality

Management Risk

Growth

Capital Structure

Quality grade scale :

Below Average, Average, Good, Excellent

Quality key factors

Factor

Value

Sales Growth (5y)

48.25%

EBIT Growth (5y)

EBIT to Interest (avg)

Debt to EBITDA (avg)

Negative Net Debt

Net Debt to Equity (avg)

Sales to Capital Employed (avg)

Tax Ratio

Tax Ratio is Negative%

Dividend Payout Ratio

Pledged Shares

Institutional Holding

ROCE (avg)

ROE (avg)

2.20%

Valuation

Valuation Scorecard

Valuation grade scale :

Very Risky, Risky, Very Expensive, Expensive, Fair, Attractive, Very Attractive

Valuation Key Factors

Factor

Value

P/E Ratio

Industry P/E

Price to Book Value

1.17

EV to EBIT

EV to EBITDA

66.55

EV to Capital Employed

4.73

EV to Sales

0.19

PEG Ratio

0.65

Dividend Yield

ROCE (Latest)

ROE (Latest)

5.96%

Technicals

Technical key factors

Indicator

Weekly

Monthly

MACD

Bearish

RSI

No Signal

Bollinger Bands

Bearish

Moving Averages

Bearish (Daily)

KST

Bearish

Dow Theory

Bearish

OBV

Mildly Bearish

Technical Indicator Scale: Bearish, Mildly Bearish, Sideways, Mildly Bullish, Bullish Turned

Technical Movement

Analyse All Technical Factors

Financial Trend

Financial Trend Scorecard

Financial Trend scale:

Very Negative, Negative, Flat, Positive, Very Positive, Outstanding

8What is working for the Company

NET SALES(Q)

Highest at SAR 177.79 MM

RAW MATERIAL COST(Y)

Fallen by 0% (YoY

OPERATING PROFIT(Q)

Highest at SAR 176.77 MM

OPERATING PROFIT MARGIN(Q)

Highest at 99.43 %

PRE-TAX PROFIT(Q)

Highest at SAR 12.27 MM

-4What is not working for the Company

OPERATING CASH FLOW(Y)

Lowest at SAR -54.22 MM

DEBT-EQUITY RATIO (HY)

Highest at 0 %

EPS(Q)

Lowest at SAR 0

Here's what is working for Liva Insurance Co.

Net Sales

Highest at SAR 177.79 MM and Grown

In each period in the last five periods

MOJO Watch

Near term sales trend is very positive

Net Sales (SAR MM)

Net Sales

At SAR 177.79 MM has Grown at 26.88%

over average net sales of the previous four periods of SAR 140.13 MM

MOJO Watch

Near term sales trend is positive

Net Sales (SAR MM)

Operating Profit

Highest at SAR 176.77 MM

in the last five periods

MOJO Watch

Near term Operating Profit trend is positive

Operating Profit (SAR MM)

Operating Profit Margin

Highest at 99.43 %

in the last five periods

MOJO Watch

Company's profit margin has improved

Operating Profit to Sales

Pre-Tax Profit

Highest at SAR 12.27 MM

in the last five periods

MOJO Watch

Near term Pre-Tax Profit trend is positive

Pre-Tax Profit (SAR MM)

Pre-Tax Profit

At SAR 12.27 MM has Grown at 98.22%

over average net sales of the previous four periods of SAR 6.19 MM

MOJO Watch

Near term Pre-Tax Profit trend is positive

Pre-Tax Profit (SAR MM)

Raw Material Cost

Fallen by 0% (YoY)

MOJO Watch

The company's ability to pass on the cost of raw materials to customers has improved; this may lead to a rise in profit margin

Raw Material Cost as a percentage of Sales

Here's what is not working for Liva Insurance Co.

Operating Cash Flow

Lowest at SAR -54.22 MM

in the last three years

MOJO Watch

The company's cash revenues from business operations are falling

Operating Cash Flows (SAR MM)

EPS

Lowest at SAR 0

in the last five periods

MOJO Watch

Declining profitability; company has created lower earnings for shareholders

EPS (SAR)

Debt-Equity Ratio

Highest at 0 %

in the last five Semi-Annual periods

MOJO Watch

The company is borrowing more to fund its operations; it's liquidity situation may be stressed

Debt-Equity Ratio