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Liva Insurance CoSAU:8280 75 Return-on-Tangible-Asset is 2.64% as of Mar. 2026, which is 13% above its 10-year median of 2.33. GuruFocus rates SAU:8280 with a GF Score™ of 75/100 and a GF Value™ of ﷼24.77 (Significantly Undervalued). The stock has 3 warning signs investors should review. Among 507 Insurance companies, Liva Insurance Co ranks better than 54.04% on this metric.
Return-on-Tangible-Asset is calculated as Net Income divided by its average total tangible assets. Total tangible assets equals to Total Assets minus Intangible Assets. Liva Insurance Co's annualizedNet Income for the quarter that ended in Mar. 2026 was ﷼28.9 Mil. Liva Insurance Co's average total tangible assets for the quarter that ended in Mar. 2026 was ﷼1,095.1 Mil. Therefore, Liva Insurance Co's annualized Return-on-Tangible-Asset for the quarter that ended in Mar. 2026 was 2.64%.
The historical rank and industry rank for Liva Insurance Co's Return-on-Tangible-Asset or its related term are showing as below:
SAU:8280'
s Return-on-Tangible-Asset Range Over the Past 10 Years
Min: -5.62 Med: 2.33 Max: 6.28
Current: 3.09
During the past 13 years, Liva Insurance Co's highest Return-on-Tangible-Asset was 6.28%. The lowest was -5.62%. And the median was 2.33%.
SAU:8280's Return-on-Tangible-Asset is ranked better than 54.04% of 507
companies
in the Insurance industry
Industry Median: 2.76
vs SAU:8280: 3.09
Liva Insurance Co (SAU:8280) Return-on-Tangible-Asset Explanation
Return-on-Tangible-Asset measures the rate of return on the average total tangible assets (total assets minus intangible assets). Tangible means physical in nature. Intangible Assets are assets that are not physical in nature, and typically "derive their value from legal or intellectual rights." Return-on-Tangible-Asset measures a firm's efficiency at generating profits from its tangible assets. It shows how well a company uses what it has to generate earnings. Return-on-Tangible-Assets can vary drastically across industries. Therefore, Return-on-Tangible-Asset should not be used to compare companies in different industries.
Be Aware
Like ROE and ROA, Return-on-Tangible-Asset is calculated with only 12 months data. Fluctuations in the companys earnings or business cycles can affect the ratio drastically. It is important to look at the ratio from a long term perspective. Return-on-Tangible-Asset can be affected by events such as stock buyback or issuance, and by a companys tax rate and its interest payment. Return-on-Tangible-Asset may not reflect the true earning power of the assets. A more accurate measurement is ROC % (ROC).
Many analysts argue the higher return the better. Buffett states that really high Return-on-Tangible-Asset may indicate vulnerability in the durability of the competitive advantage.
Liva Insurance Co Return-on-Tangible-Asset Related Terms
Liva Insurance Co Return-on-Tangible-Asset Historical Data
* Premium members only.
The historical data trend for Liva Insurance Co's Return-on-Tangible-Asset 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: Return-on-Tangible-Asset Comparison
For the Insurance - Diversified subindustry, Liva Insurance Co's Return-on-Tangible-Asset, along with its competitors' market caps and Return-on-Tangible-Asset 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 Return-on-Tangible-Asset vs Insurance Industry
For the Insurance industry and Financial Services sector, Liva Insurance Co's Return-on-Tangible-Asset distribution charts can be found below:
* The bar in red indicates where Liva Insurance Co's Return-on-Tangible-Asset 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.
In the calculation of annual Return-on-Tangible-Asset, the net income of the last fiscal year and the average total tangible assets over the fiscal year are used. In calculating the quarterly data,
the Net Income data used here is four times the quarterly (Mar. 2026) net income data.
What does a Return-on-Tangible-Asset of 2.64% mean?
Liva Insurance Co (SAU:8280) has a Return-on-Tangible-Asset of 2.64% as of Mar. 2026. Return on tangible assets is the ratio of current-period net income to average two-period tangible assets. View historical data on Liva Insurance Co and its competitors. This is 13% above median its historical median of 2.33. According to the industry distribution chart, Liva Insurance Co ranks #233 out of 507 companies in the Insurance industry, placing it in the top 46%.
Is Liva Insurance Co's Return-on-Tangible-Asset too high?
Liva Insurance Co's current Return-on-Tangible-Asset of 2.64% is 13% above median its 10-year median of 2.33. The Insurance industry median Return-on-Tangible-Asset is 2.76. Liva Insurance Co's value of 2.64% is 4.3% below this industry median. Based on the distribution chart, Liva Insurance Co ranks #233 out of 507 companies in the Insurance industry, which is above the industry midpoint. Overall, Liva Insurance Co has a GF Score™ of 75/100 and is considered Significantly Undervalued, reflecting its overall financial health beyond just this single metric.
How does Liva Insurance Co's Return-on-Tangible-Asset compare to BRK.A and AIG?
According to the Insurance industry distribution chart, Liva Insurance Co ranks #233 out of 507 companies for Return-on-Tangible-Asset. This puts Liva Insurance Co in the upper half of its industry. The industry median Return-on-Tangible-Asset is 2.76. Liva Insurance Co's value of 2.64% is 4.3% below this benchmark. While the company's 10-year median is 2.33 vs. the industry median of 2.76, 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 Return-on-Tangible-Asset for an Insurance company?
The median Return-on-Tangible-Asset among Insurance companies is 2.76, based on 507 companies in the industry. Companies in the top quartile (top 25%) have a Return-on-Tangible-Asset significantly above this median, while those in the bottom quartile fall well below. However, Return-on-Tangible-Asset should not be evaluated in isolation — investors should consider it alongside profitability, growth, and financial strength metrics. Liva Insurance Co's current Return-on-Tangible-Asset of 2.64% is 4.3% 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 Return-on-Tangible-Asset mean?
A high Return-on-Tangible-Asset can signal that a stock is expensive relative to its fundamentals. Return on tangible assets is the ratio of current-period net income to average two-period tangible assets. View historical data on Liva Insurance Co and its competitors. For the Insurance industry, the median Return-on-Tangible-Asset is 2.76 — values significantly above this may indicate overvaluation, while values below may suggest a bargain or underlying issues. Liva Insurance Co's current Return-on-Tangible-Asset is 2.64%, which is 13% above median its own 10-year median of 2.33. 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 ﷼24.77, compared to a current price of ﷼15.07 — trading 39.2% below its estimated fair value. The current Return-on-Tangible-Asset is 2.64%, which is 13% above median its 10-year median of 2.33 and 4.3% below the Insurance industry median of 2.76. Liva Insurance Co's overall GF Score™ is 75/100 with 3 warning signs to review. Investors should evaluate multiple metrics — including profitability, growth, and financial strength — before making a decision.
How is Return-on-Tangible-Asset calculated?
Return-on-Tangible-Asset is calculated from a company's financial statements. For Liva Insurance Co (SAU:8280), the current Return-on-Tangible-Asset is 2.64% 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 ﷼15.07 is trading 39.2% below its estimated GF Value™ of ﷼24.77.
GuruFocus considers Liva Insurance Co to be Significantly Undervalued.
Key valuation signals for SAU:8280:
Return-on-Tangible-Asset: 2.64% (13% above median its 10-year median of 2.33)
GF Value™: ﷼24.77 vs. price of ﷼15.07 (39.2% below fair value)
Industry Position: 4.3% below the Insurance median (#233 of 507)
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.
75GF Score
Get the complete analysis for SAU:8280
Return-on-Tangible-Asset is just one metric. See GF Value™, 30-year financials, guru trades, warning signs, and more.
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