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Liva GroupOGMUS:LIVA 34 ROE % is 5.10% as of Mar. 2026, which is 5% below its 10-year median of 5.37. GuruFocus rates MUS:LIVA with a GF Score™ of 34/100. The stock has 5 warning signs investors should review. Among 504 Insurance companies, Liva GroupOG ranks worse than 61.31% on this metric.
ROE % is calculated as Net Income divided by its average Total Stockholders Equity over a certain period of time. Liva GroupOG's annualized net income for the quarter that ended in Mar. 2026 was ر.ع5.9 Mil. Liva GroupOG's average Total Stockholders Equity over the quarter that ended in Mar. 2026 was ر.ع115.9 Mil. Therefore, Liva GroupOG's annualized ROE % for the quarter that ended in Mar. 2026 was 5.10%.
The historical rank and industry rank for Liva GroupOG's ROE % or its related term are showing as below:
MUS:LIVA'
s ROE % Range Over the Past 10 Years
Min: -6.34 Med: 5.37 Max: 11.67
Current: 8.97
During the past 3 years, Liva GroupOG's highest ROE % was 11.67%. The lowest was -6.34%. And the median was 5.37%.
MUS:LIVA's ROE % is ranked worse than 61.31% of 504
companies
in the Insurance industry
Industry Median: 11.635
vs MUS:LIVA: 8.97
Liva GroupOG (MUS:LIVA) ROE % Explanation
ROE % measures the rate of return on the ownership interest (shareholder's equity) of the common stock owners. It measures a firm's efficiency at generating profits from every unit of shareholders' equity (also known as net assets or assets minus liabilities). ROE % shows how well a company uses investment funds to generate earnings growth. ROE %s between 15% and 20% are considered desirable.
The factors that affect a company's ROE % can be illustrated with the three-step DuPont Analysis:
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. The same rule applies to Pre-Tax Income and Operating Income.
* In the five-step DuPont Analysis, Operating Income is only available for non-financial companies. Thus, for Insurance companies, we use EBIT as a substitution of Operating Income. For Banks, both Operating Income and EBIT is unavailable. Thus we combined Interest Burden and Operating Margin % into Pretax Margin %, and the DuPont Analysis is divided into four components instead.
* 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
Net Income is used.
Because a company can increase its ROE % by having more financial leverage, it is important to watch the equity multiplier when investing in high ROE % companies. Like ROA %, ROE % is calculated with only 12 months data. Fluctuations in company's earnings or business cycles can affect the ratio drastically. It is important to look at the ratio from a long term perspective.
Asset light businesses require very few assets to generate very high earnings. Their ROE %s can be extremely high.
Liva GroupOG ROE % Related Terms
Liva GroupOG ROE % Historical Data
* Premium members only.
The historical data trend for Liva GroupOG's ROE % 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 GroupOG's ROE %, along with its competitors' market caps and ROE % 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 GroupOG ROE % vs Insurance Industry
For the Insurance industry and Financial Services sector, Liva GroupOG's ROE % distribution charts can be found below:
* The bar in red indicates where Liva GroupOG's ROE % 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 ROE %, the net income of the last fiscal year and the average total shareholder equity 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.
ROE % is displayed in the 30-year financial page.
Liva GroupOG (MUS:LIVA) has a ROE % of 5.10% as of Mar. 2026. Return on equity is the ratio of current-period net income to average two-period total equity. View historical data on Liva GroupOG and its competitors. This is near median its historical median of 5.37. According to the industry distribution chart, Liva GroupOG ranks #309 out of 504 companies in the Insurance industry, placing it in the top 61.3%.
Is Liva GroupOG's ROE % too high?
Liva GroupOG's current ROE % of 5.10% is near median its 10-year median of 5.37. The Insurance industry median ROE % is 11.64. Liva GroupOG's value of 5.10% is 56.2% below this industry median. Based on the distribution chart, Liva GroupOG ranks #309 out of 504 companies in the Insurance industry, which is below the industry midpoint. Overall, Liva GroupOG has a GF Score™ of 34/100, reflecting its overall financial health beyond just this single metric.
How does Liva GroupOG's ROE % compare to BRK.A and AIG?
According to the Insurance industry distribution chart, Liva GroupOG ranks #309 out of 504 companies for ROE %. This places Liva GroupOG in the lower half of its industry. The industry median ROE % is 11.64. Liva GroupOG's value of 5.10% is 56.2% below this benchmark. While the company's 10-year median is 5.37 vs. the industry median of 11.64, Liva GroupOG 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 ROE % for an Insurance company?
The median ROE % among Insurance companies is 11.64, based on 504 companies in the industry. Companies in the top quartile (top 25%) have a ROE % significantly above this median, while those in the bottom quartile fall well below. However, ROE % should not be evaluated in isolation — investors should consider it alongside profitability, growth, and financial strength metrics. Liva GroupOG's current ROE % of 5.10% is 56.2% 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 ROE % mean?
A high ROE % can signal that a stock is expensive relative to its fundamentals. Return on equity is the ratio of current-period net income to average two-period total equity. View historical data on Liva GroupOG and its competitors. For the Insurance industry, the median ROE % is 11.64 — values significantly above this may indicate overvaluation, while values below may suggest a bargain or underlying issues. Liva GroupOG's current ROE % is 5.10%, which is near median its own 10-year median of 5.37. However, context matters — high-growth companies often justify higher valuations. Always evaluate alongside other metrics like GF Score™ and GF Value™.
Is Liva GroupOG stock overvalued right now?
Liva GroupOG (MUS:LIVA) has a current ROE % of 5.10%. The current ROE % is 5.10%, which is near median its 10-year median of 5.37 and 56.2% below the Insurance industry median of 11.64. Liva GroupOG's overall GF Score™ is 34/100 with 5 warning signs to review. Investors should evaluate multiple metrics — including profitability, growth, and financial strength — before making a decision.
How is ROE % calculated?
ROE % is calculated from a company's financial statements. For Liva GroupOG (MUS:LIVA), the current ROE % is 5.10% 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.
Liva Group SAOG is a multi-line insurance company dedicated to providing comprehensive insurance solutions across the Gulf Cooperation Council (GCC) region. Its activities include personal and commercial insurance, health and life insurance, motor insurance, and specialized solutions for eco-conscious clients. The company operations are organized into key segments such as Commercial Lines, Personal Lines, and Health and Life. It has a geographical presence across Oman, the United Arab Emirates, Saudi Arabia, Bahrain, Kuwait, and Qatar.
34GF Score
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