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Liva Insurance CoSAU:8280 -3.63%81 Pretax Margin % is 5.18% as of Mar. 2026, which is 32% below its 10-year median of 7.63. 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 500 Insurance companies, Liva Insurance Co ranks worse than 70% on this metric.
The historical rank and industry rank for Liva Insurance Co's Pretax Margin % or its related term are showing as below:
SAU:8280'
s Pretax Margin % Range Over the Past 10 Years
Min: -23.81 Med: 7.63 Max: 27.02
Current: 6.74
SAU:8280's Pretax Margin % is ranked worse than 70% of 500
companies
in the Insurance industry
Industry Median: 11.875
vs SAU:8280: 6.74
Liva Insurance Co (SAU:8280) Pretax Margin % Explanation
The pretax margin, as know as pretax profit margin, is widely used to measure the operating efficiency of a company before deducting taxes.
The pretax margin is sometimes preferred over the net margin as tax expenditures can make profitability comparisons between companies misleading.
It is a useful tool to compare companies operating in the same sector and less effective when comparing companies from other sectors as each industry generally has different operating expenses and sales patterns.
The long term trend of the pretax margin is a good indicator of the competitiveness and health of the business.
Liva Insurance Co Pretax Margin % Related Terms
Liva Insurance Co Pretax Margin % Historical Data
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The historical data trend for Liva Insurance Co's Pretax 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: Pretax Margin % Comparison
For the Insurance - Diversified subindustry, Liva Insurance Co's Pretax Margin %, along with its competitors' market caps and Pretax 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 Pretax Margin % vs Insurance Industry
For the Insurance industry and Financial Services sector, Liva Insurance Co's Pretax Margin % distribution charts can be found below:
* The bar in red indicates where Liva Insurance Co's Pretax 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 Pretax Margin % of 5.18% as of Mar. 2026. Pre-Tax margin is the ratio of total pre-tax income to net sales. View historical data on Liva Insurance Co and its competitors. This is 32% below median its historical median of 7.63. According to the industry distribution chart, Liva Insurance Co ranks #350 out of 500 companies in the Insurance industry, placing it in the top 70%.
Is Liva Insurance Co's Pretax Margin % too high?
Liva Insurance Co's current Pretax Margin % of 5.18% is 32% below median its 10-year median of 7.63. The Insurance industry median Pretax Margin % is 11.88. Liva Insurance Co's value of 5.18% is 56.4% below this industry median. Based on the distribution chart, Liva Insurance Co ranks #350 out of 500 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 Pretax Margin % compare to BRK.A and AIG?
According to the Insurance industry distribution chart, Liva Insurance Co ranks #350 out of 500 companies for Pretax Margin %. This places Liva Insurance Co in the lower half of its industry. The industry median Pretax Margin % is 11.88. Liva Insurance Co's value of 5.18% is 56.4% below this benchmark. While the company's 10-year median is 7.63 vs. the industry median of 11.88, 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 Pretax Margin % for an Insurance company?
The median Pretax Margin % among Insurance companies is 11.88, based on 500 companies in the industry. Companies in the top quartile (top 25%) have a Pretax Margin % significantly above this median, while those in the bottom quartile fall well below. However, Pretax Margin % should not be evaluated in isolation — investors should consider it alongside profitability, growth, and financial strength metrics. Liva Insurance Co's current Pretax Margin % of 5.18% is 56.4% 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 Pretax Margin % mean?
A high Pretax Margin % can signal that a stock is expensive relative to its fundamentals. Pre-Tax margin is the ratio of total pre-tax income to net sales. View historical data on Liva Insurance Co and its competitors. For the Insurance industry, the median Pretax Margin % is 11.88 — values significantly above this may indicate overvaluation, while values below may suggest a bargain or underlying issues. Liva Insurance Co's current Pretax Margin % is 5.18%, which is 32% below median its own 10-year median of 7.63. 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 Pretax Margin % is 5.18%, which is 32% below median its 10-year median of 7.63 and 56.4% below the Insurance industry median of 11.88. 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 Pretax Margin % calculated?
Pretax Margin % is calculated from a company's financial statements. For Liva Insurance Co (SAU:8280), the current Pretax Margin % is 5.18% 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:
Pretax Margin %: 5.18% (32% below median its 10-year median of 7.63)
GF Value™: ﷼24.39 vs. price of ﷼14.88 (39% below fair value)
Industry Position: 56.4% below the Insurance median (#350 of 500)
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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