ScoreWhy is Liva Insurance Co. ?
1
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 48.26% 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
2
With a growth in Net Sales of 8.42%, the company declared Very Positive results in Mar 26
- The company has declared positive results for the last 3 consecutive quarters
- OPERATING CASH FLOW(Y) Highest at SAR 178.45 MM
- NET SALES(Q) Highest at SAR 193.09 MM
- RAW MATERIAL COST(Y) Fallen by 0% (YoY)
3
With ROE of 5.56%, it has a fair valuation with a 0.80 Price to Book Value
- Over the past year, while the stock has generated a return of -11.13%, its profits have fallen by -18.7%
4
Underperformed the market in the last 1 year
- Even though the market (Saudi Arabia All Share TASI) generated negative returns of -0.13% in the last 1 year, its fall in the stock was much higher with a return of -11.13%
Real-Time Research ReportHow 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?
High Risk, Low Return
Absolute
Risk Adjusted
Volatility
Liva Insurance Co.
-11.13%
-1.16
34.36%
Saudi Arabia All Share TASI
-0.13%
-0.01
13.67%
Quality
Management Risk
Growth
Capital StructureQuality key factors
Factor
Value
Sales Growth (5y)
48.26%
EBIT Growth (5y)
0
EBIT to Interest (avg)
0
Debt to EBITDA (avg)
Negative Net Debt
Net Debt to Equity (avg)
0
Sales to Capital Employed (avg)
0
Tax Ratio
Tax Ratio is Negative%
Dividend Payout Ratio
0
Pledged Shares
0
Institutional Holding
0
ROCE (avg)
0
ROE (avg)
2.20%
ValuationValuation Key Factors 
Factor
Value
P/E Ratio
14
Industry P/E
Price to Book Value
0.80
EV to EBIT
NA
EV to EBITDA
-31.18
EV to Capital Employed
-0.77
EV to Sales
-0.07
PEG Ratio
NA
Dividend Yield
NA
ROCE (Latest)
Negative Capital Employed
ROE (Latest)
5.56%
TechnicalsTechnical key factors
Indicator
Weekly
Monthly
MACD
Mildly Bullish
Bearish
RSI
No Signal
No Signal
Bollinger Bands
Bullish
Mildly Bearish
Moving Averages
Mildly Bearish (Daily)
KST
Mildly Bullish
Bearish
Dow Theory
Mildly Bearish
No Trend
OBV
Mildly Bullish
No Trend
Technical Indicator Scale: Bearish, Mildly Bearish, Sideways, Mildly Bullish, Bullish Turned 
Financial Trend12What is working for the Company
OPERATING CASH FLOW(Y)
Highest at SAR 178.45 MM
NET SALES(Q)
Highest at SAR 193.09 MM
RAW MATERIAL COST(Y)
Fallen by 0% (YoY
NET PROFIT(9M)
Higher at SAR 28.69 MM
0What is not working for the Company
NO KEY NEGATIVE TRIGGERS
Here's what is working for Liva Insurance Co.
Operating Cash Flow
Highest at SAR 178.45 MM and Grown
In each year in the last three yearsMOJO Watch
The company has generated higher cash revenues from business operations
Operating Cash Flows (SAR MM)
Net Sales
Highest at SAR 193.09 MM and Grown
In each period in the last five periodsMOJO Watch
Near term sales trend is very positive
Net Sales (SAR MM)
Net Sales
At SAR 193.09 MM has Grown at 26.23%
over average net sales of the previous four periods of SAR 152.96 MMMOJO Watch
Near term sales trend is positive
Net Sales (SAR MM)
Net Profit
Higher at SAR 28.69 MM
than preceding 12 month period ended Mar 2026MOJO Watch
In the nine month period the company has already crossed sales of the previous twelve months
Net 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
InfinHub Market Technologies FZ-LLC, Building-2, Unit 112, Dubai Internet City, Dubai, United Arab Emirates
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