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Liva Insurance CoSAU:8280 -3.63%81 FCF Margin % is 35.15% as of Mar. 2026, which is 165% above its 10-year median of 13.26. GuruFocus rates SAU:8280 with a GF Score™ of 81/100 and a GF Value™ of ﷼24.39 (Significantly Undervalued). The stock has 2 warning signs investors should review. Among 502 Insurance companies, Liva Insurance Co ranks better than 81.67% on this metric.
The historical rank and industry rank for Liva Insurance Co's FCF Margin % or its related term are showing as below:
SAU:8280'
s FCF Margin % Range Over the Past 10 Years
Min: -43.71 Med: 13.26 Max: 34.68
Current: 25.89
During the past 13 years, the highest FCF Margin % of Liva Insurance Co was 34.68%. The lowest was -43.71%. And the median was 13.26%.
SAU:8280's FCF Margin % is ranked better than 81.67% of 502
companies
in the Insurance industry
Industry Median: 8.965
vs SAU:8280: 25.89
Liva Insurance Co FCF Margin % Related Terms
Liva Insurance Co FCF Margin % Historical Data
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The historical data trend for Liva Insurance Co's FCF Margin % can be seen below:
* For Operating Data section: All numbers are indicated by the unit behind each term and all currency related amount are in USD. * For other sections: All numbers are in millions except for per share data, ratio, and percentage. All currency related amount are indicated in the company's associated stock exchange currency.
SAU:8280 vs BRK.A, AIG, HIG: FCF Margin % Comparison
For the Insurance - Diversified subindustry, Liva Insurance Co's FCF Margin %, along with its competitors' market caps and FCF Margin % data, can be viewed below:
* Competitive companies are chosen from companies within the same industry, with headquarter located in same country, with closest market capitalization; x-axis shows the market cap, and y-axis shows the term value; the bigger the dot, the larger the market cap. Note that "N/A" values will not show up in the chart.
Liva Insurance Co FCF Margin % vs Insurance Industry
For the Insurance industry and Financial Services sector, Liva Insurance Co's FCF Margin % distribution charts can be found below:
* The bar in red indicates where Liva Insurance Co's FCF Margin % falls into.
* For Operating Data section: All numbers are indicated by the unit behind each term and all currency related amount are in USD. * For other sections: All numbers are in millions except for per share data, ratio, and percentage. All currency related amount are indicated in the company's associated stock exchange currency.
Liva Insurance Co (SAU:8280) has a FCF Margin % of 35.15% as of Mar. 2026. Free cash flow margin is the ratio of total free cash flow to net sales. View historical data on Liva Insurance Co and its competitors. This is 165% above median its historical median of 13.26. According to the industry distribution chart, Liva Insurance Co ranks #92 out of 502 companies in the Insurance industry, placing it in the top 18.3%.
Is Liva Insurance Co's FCF Margin % too high?
Liva Insurance Co's current FCF Margin % of 35.15% is 165% above median its 10-year median of 13.26. The Insurance industry median FCF Margin % is 8.97. Liva Insurance Co's value of 35.15% is 292.1% above this industry median. Based on the distribution chart, Liva Insurance Co ranks #92 out of 502 companies in the Insurance industry, which is in the top quartile — a strong position relative to peers. Overall, Liva Insurance Co has a GF Score™ of 81/100 and is considered Significantly Undervalued, reflecting its overall financial health beyond just this single metric.
How does Liva Insurance Co's FCF Margin % compare to BRK.A and AIG?
According to the Insurance industry distribution chart, Liva Insurance Co ranks #92 out of 502 companies for FCF Margin %. This places Liva Insurance Co in the top 18% of its industry — outperforming the majority of peers. The industry median FCF Margin % is 8.97. Liva Insurance Co's value of 35.15% is 292.1% above this benchmark. While the company's 10-year median is 13.26 vs. the industry median of 8.97, Liva Insurance Co has consistently been above the industry average. See the competitive comparison table and distribution chart on this page for a detailed peer-by-peer breakdown.
What is a good FCF Margin % for an Insurance company?
The median FCF Margin % among Insurance companies is 8.97, based on 502 companies in the industry. Companies in the top quartile (top 25%) have a FCF Margin % significantly above this median, while those in the bottom quartile fall well below. However, FCF Margin % should not be evaluated in isolation — investors should consider it alongside profitability, growth, and financial strength metrics. Liva Insurance Co's current FCF Margin % of 35.15% is 292.1% above the industry median. Use the industry distribution chart on this page to see where any company falls relative to its peers.
What does a high FCF Margin % mean?
A high FCF Margin % can signal that a stock is expensive relative to its fundamentals. Free cash flow margin is the ratio of total free cash flow to net sales. View historical data on Liva Insurance Co and its competitors. For the Insurance industry, the median FCF Margin % is 8.97 — values significantly above this may indicate overvaluation, while values below may suggest a bargain or underlying issues. Liva Insurance Co's current FCF Margin % is 35.15%, which is 165% above median its own 10-year median of 13.26. However, context matters — high-growth companies often justify higher valuations. Always evaluate alongside other metrics like GF Score™ and GF Value™.
Is Liva Insurance Co stock overvalued right now?
Based on GuruFocus' analysis, Liva Insurance Co (SAU:8280) is currently considered Significantly Undervalued. The stock's GF Value™ is ﷼24.39, compared to a current price of ﷼14.88 — trading 39% below its estimated fair value. The current FCF Margin % is 35.15%, which is 165% above median its 10-year median of 13.26 and 292.1% above the Insurance industry median of 8.97. Liva Insurance Co's overall GF Score™ is 81/100 with 2 warning signs to review. Investors should evaluate multiple metrics — including profitability, growth, and financial strength — before making a decision.
How is FCF Margin % calculated?
FCF Margin % is calculated from a company's financial statements. For Liva Insurance Co (SAU:8280), the current FCF Margin % is 35.15% as of Mar. 2026. GuruFocus calculates this using data sourced from SEC filings and annual reports. See the calculation section and 30-year financial data on this page for the full breakdown.
Is Liva Insurance Co (SAU:8280) Overvalued in 2026?
Based on GuruFocus' analysis, Liva Insurance Co stock appears to be undervalued.
The current stock price of ﷼14.88 is trading 39% below its estimated GF Value™ of ﷼24.39.
GuruFocus considers Liva Insurance Co to be Significantly Undervalued.
Key valuation signals for SAU:8280:
FCF Margin %: 35.15% (165% above median its 10-year median of 13.26)
GF Value™: ﷼24.39 vs. price of ﷼14.88 (39% below fair value)
Industry Position: 292.1% above the Insurance median (#92 of 502)
No single metric tells the full story. See the SAU:8280 stock analysis page for a complete view including 30-year financials, guru trades, and insider activity.
Liva Insurance Co operates in the insurance industry. The activities of the company are to transact cooperative insurance and reinsurance operations. The company offers products in the segments of Property insurance; Motor insurance; Engineering; Marine insurance; Group life insurance and others, of which key revenue is derived from the Motor insurance segment which provides coverage against losses and liability related to motor vehicles, excluding transport insurance. The company's objectives are also focused on practicing cooperative insurance business and all related businesses such as reinsurance, agencies, representation and correspondence.
81GF Score
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