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Liva Insurance CoSAU:8280 -3.63%81 Net Margin % is 4.55% as of Mar. 2026, which is 36% below its 10-year median of 7.10. 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 501 Insurance companies, Liva Insurance Co ranks worse than 63.47% on this metric.
The historical rank and industry rank for Liva Insurance Co's Net Margin % or its related term are showing as below:
SAU:8280'
s Net Margin % Range Over the Past 10 Years
Min: -30.45 Med: 7.1 Max: 27.02
Current: 5.98
SAU:8280's Net Margin % is ranked worse than 63.47% of 501
companies
in the Insurance industry
Industry Median: 9.15
vs SAU:8280: 5.98
Liva Insurance Co (SAU:8280) Net Margin % Explanation
Although Net Income and Earnings-per-Share (EPS) are the most widely used parameter in measuring a company's profitability and valuation, it is the least reliable. The reason is that reported earnings can be manipulated easily by adjusting any numbers such as Depreciation, Depletion and Amotorization and non-recurring items.
But the long term trend of the net margin is a good indicator of the competitiveness and health of the business.
Liva Insurance Co Net Margin % Related Terms
Liva Insurance Co Net Margin % Historical Data
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The historical data trend for Liva Insurance Co's Net 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: Net Margin % Comparison
For the Insurance - Diversified subindustry, Liva Insurance Co's Net Margin %, along with its competitors' market caps and Net 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 Net Margin % vs Insurance Industry
For the Insurance industry and Financial Services sector, Liva Insurance Co's Net Margin % distribution charts can be found below:
* The bar in red indicates where Liva Insurance Co's Net 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 Net Margin % of 4.55% as of Mar. 2026. Net margin is the ratio of total net income to net sales. View historical data on Liva Insurance Co and its competitors. This is 36% below median its historical median of 7.10. According to the industry distribution chart, Liva Insurance Co ranks #318 out of 501 companies in the Insurance industry, placing it in the top 63.5%.
Is Liva Insurance Co's Net Margin % too high?
Liva Insurance Co's current Net Margin % of 4.55% is 36% below median its 10-year median of 7.10. The Insurance industry median Net Margin % is 9.15. Liva Insurance Co's value of 4.55% is 50.3% below this industry median. Based on the distribution chart, Liva Insurance Co ranks #318 out of 501 companies in the Insurance industry, which is below the industry midpoint. 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 Net Margin % compare to BRK.A and AIG?
According to the Insurance industry distribution chart, Liva Insurance Co ranks #318 out of 501 companies for Net Margin %. This places Liva Insurance Co in the lower half of its industry. The industry median Net Margin % is 9.15. Liva Insurance Co's value of 4.55% is 50.3% below this benchmark. While the company's 10-year median is 7.10 vs. the industry median of 9.15, Liva Insurance Co has consistently been below 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 Net Margin % for an Insurance company?
The median Net Margin % among Insurance companies is 9.15, based on 501 companies in the industry. Companies in the top quartile (top 25%) have a Net Margin % significantly above this median, while those in the bottom quartile fall well below. However, Net Margin % should not be evaluated in isolation — investors should consider it alongside profitability, growth, and financial strength metrics. Liva Insurance Co's current Net Margin % of 4.55% is 50.3% below 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 Net Margin % mean?
A high Net Margin % can signal that a stock is expensive relative to its fundamentals. Net margin is the ratio of total net income to net sales. View historical data on Liva Insurance Co and its competitors. For the Insurance industry, the median Net Margin % is 9.15 — values significantly above this may indicate overvaluation, while values below may suggest a bargain or underlying issues. Liva Insurance Co's current Net Margin % is 4.55%, which is 36% below median its own 10-year median of 7.10. 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 Net Margin % is 4.55%, which is 36% below median its 10-year median of 7.10 and 50.3% below the Insurance industry median of 9.15. 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 Net Margin % calculated?
Net Margin % is calculated from a company's financial statements. For Liva Insurance Co (SAU:8280), the current Net Margin % is 4.55% 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:
Net Margin %: 4.55% (36% below median its 10-year median of 7.10)
GF Value™: ﷼24.39 vs. price of ﷼14.88 (39% below fair value)
Industry Position: 50.3% below the Insurance median (#318 of 501)
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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