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Liva Insurance CoSAU:8280 -3.63%81 PB Ratio is 1.22 as of Jul. 17, 2026, which is 42% below its 10-year median of 2.10. 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 497 Insurance companies, Liva Insurance Co ranks better than 59.96% on this metric.
Liva Insurance Co stock PB Ratio (=1.09) is close to 1-year high of 1.18.
The historical rank and industry rank for Liva Insurance Co's PB Ratio or its related term are showing as below:
SAU:8280'
s PB Ratio Range Over the Past 10 Years
Min: 0.79 Med: 2.1 Max: 4.08
Current: 1.22
During the past 13 years, Liva Insurance Co's highest PB Ratio was 4.08. The lowest was 0.79. And the median was 2.10.
SAU:8280's PB Ratio is ranked better than 59.96% of 497
companies
in the Insurance industry
Industry Median: 1.41
vs SAU:8280: 1.22
During the past 12 months, Liva Insurance Co's average Book Value Per Share Growth Rate was 9.20% per year.
During the past 3 years, the average Book Value Per Share Growth Rate was 12.80% per year.
During the past 5 years, the average Book Value Per Share Growth Rate was 4.20% per year.
During the past 10 years, the average Book Value Per Share Growth Rate was 3.20% per year.
During the past 13 years, the highest 3-Year average Book Value Per Share Growth Rate of Liva Insurance Co was 34.50% per year. The lowest was -6.50% per year. And the median was 7.20% per year.
The PB Ratio works the best for the businesses that earn most of their profit from their assets, e.g. banks and insurance companies.
Be Aware
Some businesses have very light assets, such as software companies or insurance agencies. The PB Ratio does not work well for these companies. Some companies even have negative equity, so the PB Ratio cannot be applied to them.
Liva Insurance Co PB Ratio Related Terms
Liva Insurance Co PB Ratio Historical Data
* Premium members only.
The historical data trend for Liva Insurance Co's PB Ratio 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.
For the Insurance - Diversified subindustry, Liva Insurance Co's PB Ratio, along with its competitors' market caps and PB Ratio 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 PB Ratio vs Insurance Industry
For the Insurance industry and Financial Services sector, Liva Insurance Co's PB Ratio distribution charts can be found below:
* The bar in red indicates where Liva Insurance Co's PB Ratio falls into.
The PB Ratio, or Price-to-Book ratio, or Price/Book, is a financial ratio used to compare a company's market price to its Book Value per Share. It is a ratio widely used to value stocks.
* 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.
It can also be calculated from the numbers for the whole company:
A closely related ratio is called Price-to-Tangible-Book. The difference between Price-to-Tangible-Book and PB Ratio is that book value other than intangibles are used in the calculation.
Liva Insurance Co (SAU:8280) has a PB Ratio of 1.22 as of Jul. 17, 2026. Price-to-Book ratio is the ratio of share price to a company's book value per share. View historical data on Liva Insurance Co and its competitors. This is 42% below median its historical median of 2.10. Over the past decade, Liva Insurance Co's PB Ratio has ranged from 0.79 to 4.08. According to the industry distribution chart, Liva Insurance Co ranks #199 out of 497 companies in the Insurance industry, placing it in the top 40%.
Is Liva Insurance Co's PB Ratio too high?
Liva Insurance Co's current PB Ratio of 1.22 is 42% below median its 10-year median of 2.10. Over the past 10 years, this metric has ranged from a low of 0.79 to a high of 4.08. The Insurance industry median PB Ratio is 1.41. Liva Insurance Co's value of 1.22 is 13.5% below this industry median. Based on the distribution chart, Liva Insurance Co ranks #199 out of 497 companies in the Insurance industry, which is above 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 PB Ratio compare to BRK.A and AIG?
According to the Insurance industry distribution chart, Liva Insurance Co ranks #199 out of 497 companies for PB Ratio. This puts Liva Insurance Co in the upper half of its industry. The industry median PB Ratio is 1.41. Liva Insurance Co's value of 1.22 is 13.5% below this benchmark. Historically, Liva Insurance Co's own PB Ratio has ranged from 0.79 to 4.08 over the past decade. While the company's 10-year median is 2.10 vs. the industry median of 1.41, 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 PB Ratio for an Insurance company?
The median PB Ratio among Insurance companies is 1.41, based on 497 companies in the industry. Companies in the top quartile (top 25%) have a PB Ratio significantly above this median, while those in the bottom quartile fall well below. However, PB Ratio should not be evaluated in isolation — investors should consider it alongside profitability, growth, and financial strength metrics. Liva Insurance Co's current PB Ratio of 1.22 is 13.5% 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 PB Ratio mean?
A high PB Ratio can signal that a stock is expensive relative to its fundamentals. Price-to-Book ratio is the ratio of share price to a company's book value per share. View historical data on Liva Insurance Co and its competitors. For the Insurance industry, the median PB Ratio is 1.41 — values significantly above this may indicate overvaluation, while values below may suggest a bargain or underlying issues. Liva Insurance Co's current PB Ratio is 1.22, which is 42% below median its own 10-year median of 2.10. 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 PB Ratio is 1.22, which is 42% below median its 10-year median of 2.10 and 13.5% below the Insurance industry median of 1.41. 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 PB Ratio calculated?
PB Ratio is calculated from a company's financial statements. For Liva Insurance Co (SAU:8280), the current PB Ratio is 1.22 as of Jul. 17, 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:
PB Ratio: 1.22 (42% below median its 10-year median of 2.10)
GF Value™: ﷼24.39 vs. price of ﷼14.88 (39% below fair value)
Industry Position: 13.5% below the Insurance median (#199 of 497)
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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