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Liva Insurance CoSAU:8280 +0.46%81 PS Ratio is 1.12 as of Jul. 24, 2026, which is 74% below its 10-year median of 4.29. GuruFocus rates SAU:8280 with a GF Score™ of 81/100 and a GF Value™ of ﷼24.48 (Significantly Undervalued). The stock has 3 warning signs investors should review. Among 500 Insurance companies, Liva Insurance Co ranks better than 51.2% on this metric.
The PS Ratio, or Price-to-Sales ratio, or Price/Sales, is a financial ratio used to compare a company's market price to its Revenue per Share. As of today, Liva Insurance Co's share price is ﷼15.20.
Liva Insurance Co's Revenue per Share for the trailing twelve months (TTM) ended in Mar. 2026 was ﷼13.62. Hence, Liva Insurance Co's PS Ratio for today is 1.12.
The historical rank and industry rank for Liva Insurance Co's PS Ratio or its related term are showing as below:
SAU:8280'
s PS Ratio Range Over the Past 10 Years
Min: 0.75 Med: 4.29 Max: 17.98
Current: 1.12
During the past 13 years, Liva Insurance Co's highest PS Ratio was 17.98. The lowest was 0.75. And the median was 4.29.
SAU:8280's PS Ratio is ranked better than 51.2% of 500
companies
in the Insurance industry
Industry Median: 1.15
vs SAU:8280: 1.12
During the past 12 months, the average Revenue per Share Growth Rate of Liva Insurance Co was 38.10% per year.
During the past 3 years, the average Revenue per Share Growth Rate was 26.30% per year.
During the past 5 years, the average Revenue per Share Growth Rate was 42.30% per year.
During the past 10 years, the average Revenue per Share Growth Rate was 7.40% per year.
During the past 13 years, Liva Insurance Co's highest 3-Year average Revenue per Share Growth Rate was 405.60% per year. The lowest was -19.90% per year. And the median was 14.60% per year.
Back to Basics: PS Ratio
Liva Insurance Co (SAU:8280) PS Ratio Explanation
The PS Ratio is an excellent valuation indicator if you want to compare a stock with its historical valuation or with the stocks in the same industry. The PS Ratio works especially well when you want to compare the stock's current valuation with its historical valuation. The PS Ratio is a great valuation tool for evaluating cyclical businesses where the PE Ratio works poorly. It works the best when comparing the current valuation with the historical valuation because over time, a company's profit margin tends to revert to the mean.
When the PS Ratio is applied to the whole stock market, it can be used to evaluate the current market valuation and projected returns. In this case, the price is the total market cap of all stocks that are traded, and sales are the GDP of the country. This is how Warren Buffett estimates the broad market valuation and project future returns.
The PS Ratio does not tell you how cheap or expensive the stock is. It cannot be used to compare companies in different industries. It works better for companies within the same industry because these companies tend to have similar capital structures and profit margins. It works the best when comparing a company with itself in the past.
Liva Insurance Co PS Ratio Related Terms
Liva Insurance Co PS Ratio Historical Data
* Premium members only.
The historical data trend for Liva Insurance Co's PS 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 PS Ratio, along with its competitors' market caps and PS 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 PS Ratio vs Insurance Industry
For the Insurance industry and Financial Services sector, Liva Insurance Co's PS Ratio distribution charts can be found below:
* The bar in red indicates where Liva Insurance Co's PS Ratio falls into.
The PS Ratio, or Price-to-Sales ratio, or Price/Sales, is a financial ratio used to compare a company's market price to its Revenue per Share. It is a ratio widely used to value stocks and it was first used by Ken Fisher.
Liva Insurance Co's Share Price of today is ﷼15.20. Liva Insurance Co's Revenue per Share for the trailing twelve months (TTM) ended in Mar. 2026 adds up the quarterly data reported by the company within the most recent 12 months, which was ﷼13.62.
* 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:
Liva Insurance Co (SAU:8280) has a PS Ratio of 1.12 as of Jul. 24, 2026. Price-to-Sales ratio is the ratio of share price to a company's revenue per share. View historical data on Liva Insurance Co and its competitors. This is 74% below median its historical median of 4.29. Over the past decade, Liva Insurance Co's PS Ratio has ranged from 0.75 to 17.98. According to the industry distribution chart, Liva Insurance Co ranks #244 out of 500 companies in the Insurance industry, placing it in the top 48.8%.
Is Liva Insurance Co's PS Ratio too high?
Liva Insurance Co's current PS Ratio of 1.12 is 74% below median its 10-year median of 4.29. Over the past 10 years, this metric has ranged from a low of 0.75 to a high of 17.98. The Insurance industry median PS Ratio is 1.15. Liva Insurance Co's value of 1.12 is 2.6% below this industry median. Based on the distribution chart, Liva Insurance Co ranks #244 out of 500 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 PS Ratio compare to BRK.A and AIG?
According to the Insurance industry distribution chart, Liva Insurance Co ranks #244 out of 500 companies for PS Ratio. This puts Liva Insurance Co in the upper half of its industry. The industry median PS Ratio is 1.15. Liva Insurance Co's value of 1.12 is 2.6% below this benchmark. Historically, Liva Insurance Co's own PS Ratio has ranged from 0.75 to 17.98 over the past decade. While the company's 10-year median is 4.29 vs. the industry median of 1.15, 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 PS Ratio for an Insurance company?
The median PS Ratio among Insurance companies is 1.15, based on 500 companies in the industry. Companies in the top quartile (top 25%) have a PS Ratio significantly above this median, while those in the bottom quartile fall well below. However, PS Ratio should not be evaluated in isolation — investors should consider it alongside profitability, growth, and financial strength metrics. Liva Insurance Co's current PS Ratio of 1.12 is 2.6% 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 PS Ratio mean?
A high PS Ratio can signal that a stock is expensive relative to its fundamentals. Price-to-Sales ratio is the ratio of share price to a company's revenue per share. View historical data on Liva Insurance Co and its competitors. For the Insurance industry, the median PS Ratio is 1.15 — values significantly above this may indicate overvaluation, while values below may suggest a bargain or underlying issues. Liva Insurance Co's current PS Ratio is 1.12, which is 74% below median its own 10-year median of 4.29. 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 ﷼24.48, compared to a current price of ﷼15.20 — trading 37.9% below its estimated fair value. The current PS Ratio is 1.12, which is 74% below median its 10-year median of 4.29 and 2.6% below the Insurance industry median of 1.15. Liva Insurance Co's overall GF Score™ is 81/100 with 3 warning signs to review. Investors should evaluate multiple metrics — including profitability, growth, and financial strength — before making a decision.
How is PS Ratio calculated?
PS Ratio is calculated from a company's financial statements. For Liva Insurance Co (SAU:8280), the current PS Ratio is 1.12 as of Jul. 24, 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 ﷼15.20 is trading 37.9% below its estimated GF Value™ of ﷼24.48.
GuruFocus considers Liva Insurance Co to be Significantly Undervalued.
Key valuation signals for SAU:8280:
PS Ratio: 1.12 (74% below median its 10-year median of 4.29)
GF Value™: ﷼24.48 vs. price of ﷼15.20 (37.9% below fair value)
Industry Position: 2.6% below the Insurance median (#244 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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