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Liva Insurance CoSAU:8280 -3.63%81 ROA % 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 81/100 and a GF Value™ of ﷼24.39 (Significantly Undervalued). The stock has 2 warning signs investors should review. Among 506 Insurance companies, Liva Insurance Co ranks better than 55.34% on this metric.
ROA % is calculated as Net Income divided by its average Total Assets over a certain period of time. Liva Insurance Co's annualizedNet Income for the quarter that ended in Mar. 2026 was ﷼28.9 Mil.
Liva Insurance Co's average Total Assets over the quarter that ended in Mar. 2026 was ﷼1,097.4 Mil. Therefore, Liva Insurance Co's annualized ROA % for the quarter that ended in Mar. 2026 was 2.64%.
The historical rank and industry rank for Liva Insurance Co's ROA % or its related term are showing as below:
SAU:8280'
s ROA % Range Over the Past 10 Years
Min: -5.6 Med: 2.33 Max: 6.28
Current: 3.08
During the past 13 years, Liva Insurance Co's highest ROA % was 6.28%. The lowest was -5.60%. And the median was 2.33%.
SAU:8280's ROA % is ranked better than 55.34% of 506
companies
in the Insurance industry
Industry Median: 2.55
vs SAU:8280: 3.08
Liva Insurance Co (SAU:8280) ROA % Explanation
ROA % measures the rate of return on the total assets (shareholder equity plus liabilities). It measures a firm's efficiency at generating profits from shareholders' equity plus its liabilities. ROA % shows how well a company uses what it has to generate earnings. ROA %s can vary drastically across industries. Therefore, ROA % should not be used to compare companies in different industries. For retailers, a ROA % of higher than 5% is expected. For example, Wal-Mart (WMT) has a ROA % of about 8% as of 2012. For banks, ROA % is close to their interest spread. A banks ROA % is typically well under 2%.
Similar to ROE, ROA % is affected by profit margins and asset turnover. This can be seen from the Du Pont Formula:
Note:
The Net Income data used here is four times the quarterly (Mar. 2026) net income data. The Revenue data used here is four times the quarterly (Mar. 2026) revenue data.
* 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.
Be Aware
Like ROE, ROA % is calculated with only 12 months data. Fluctuations in the company's earnings or business cycles can affect the ratio drastically. It is important to look at the ratio from a long term perspective. ROA % can be affected by events such as stock buyback or issuance, and by goodwill, a company's tax rate and its interest payment. ROA % 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 ROA % may indicate vulnerability in the durability of the competitive advantage.
E.g. Raising $43b to take on KO is impossible, but $1.7b to take on Moody's is. Although Moody's ROA % and underlying economics is far superior to Coca Cola, the durability is far weaker because of lower entry cost.
Liva Insurance Co ROA % Related Terms
Liva Insurance Co ROA % Historical Data
* Premium members only.
The historical data trend for Liva Insurance Co's ROA % 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 ROA %, along with its competitors' market caps and ROA % 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 ROA % vs Insurance Industry
For the Insurance industry and Financial Services sector, Liva Insurance Co's ROA % distribution charts can be found below:
* The bar in red indicates where Liva Insurance Co's ROA % 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 ROA %, the net income of the last fiscal year and the average total 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.
ROA % is displayed in the 30-year financial page.
Liva Insurance Co (SAU:8280) has a ROA % of 2.64% as of Mar. 2026. Return on assets is the ratio of current-period net income to average two-period total 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 #226 out of 506 companies in the Insurance industry, placing it in the top 44.7%.
Is Liva Insurance Co's ROA % too high?
Liva Insurance Co's current ROA % of 2.64% is 13% above median its 10-year median of 2.33. The Insurance industry median ROA % is 2.55. Liva Insurance Co's value of 2.64% is 3.5% above this industry median. Based on the distribution chart, Liva Insurance Co ranks #226 out of 506 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 ROA % compare to BRK.A and AIG?
According to the Insurance industry distribution chart, Liva Insurance Co ranks #226 out of 506 companies for ROA %. This puts Liva Insurance Co in the upper half of its industry. The industry median ROA % is 2.55. Liva Insurance Co's value of 2.64% is 3.5% above this benchmark. While the company's 10-year median is 2.33 vs. the industry median of 2.55, Liva Insurance Co has consistently been above 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 ROA % for an Insurance company?
The median ROA % among Insurance companies is 2.55, based on 506 companies in the industry. Companies in the top quartile (top 25%) have a ROA % significantly above this median, while those in the bottom quartile fall well below. However, ROA % should not be evaluated in isolation — investors should consider it alongside profitability, growth, and financial strength metrics. Liva Insurance Co's current ROA % of 2.64% is 3.5% above 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 ROA % mean?
A high ROA % can signal that a stock is expensive relative to its fundamentals. Return on assets is the ratio of current-period net income to average two-period total assets. View historical data on Liva Insurance Co and its competitors. For the Insurance industry, the median ROA % is 2.55 — values significantly above this may indicate overvaluation, while values below may suggest a bargain or underlying issues. Liva Insurance Co's current ROA % 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 ﷼24.39, compared to a current price of ﷼14.88 — trading 39% below its estimated fair value. The current ROA % is 2.64%, which is 13% above median its 10-year median of 2.33 and 3.5% above the Insurance industry median of 2.55. 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 ROA % calculated?
ROA % is calculated from a company's financial statements. For Liva Insurance Co (SAU:8280), the current ROA % 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 ﷼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:
ROA %: 2.64% (13% above median its 10-year median of 2.33)
GF Value™: ﷼24.39 vs. price of ﷼14.88 (39% below fair value)
Industry Position: 3.5% above the Insurance median (#226 of 506)
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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