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Liva Insurance CoSAU:8280 -3.63%81 ROE % is 6.00% as of Mar. 2026, which is 20% above its 10-year median of 5.01. 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 501 Insurance companies, Liva Insurance Co ranks worse than 69.66% on this metric.
The historical rank and industry rank for Liva Insurance Co's ROE % or its related term are showing as below:
SAU:8280'
s ROE % Range Over the Past 10 Years
Min: -12.03 Med: 5.01 Max: 16.36
Current: 6.91
During the past 13 years, Liva Insurance Co's highest ROE % was 16.36%. The lowest was -12.03%. And the median was 5.01%.
SAU:8280's ROE % is ranked worse than 69.66% of 501
companies
in the Insurance industry
Industry Median: 11.63
vs SAU:8280: 6.91
Liva Insurance Co (SAU:8280) 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 Insurance Co ROE % Related Terms
Liva Insurance Co ROE % Historical Data
* Premium members only.
The historical data trend for Liva Insurance Co'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 Insurance Co'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 Insurance Co ROE % vs Insurance Industry
For the Insurance industry and Financial Services sector, Liva Insurance Co's ROE % distribution charts can be found below:
* The bar in red indicates where Liva Insurance Co'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 Insurance Co (SAU:8280) has a ROE % of 6.00% 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 Insurance Co and its competitors. This is 20% above median its historical median of 5.01. According to the industry distribution chart, Liva Insurance Co ranks #349 out of 501 companies in the Insurance industry, placing it in the top 69.7%.
Is Liva Insurance Co's ROE % too high?
Liva Insurance Co's current ROE % of 6.00% is 20% above median its 10-year median of 5.01. The Insurance industry median ROE % is 11.63. Liva Insurance Co's value of 6.00% is 48.4% below this industry median. Based on the distribution chart, Liva Insurance Co ranks #349 out of 501 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 ROE % compare to BRK.A and AIG?
According to the Insurance industry distribution chart, Liva Insurance Co ranks #349 out of 501 companies for ROE %. This places Liva Insurance Co in the lower half of its industry. The industry median ROE % is 11.63. Liva Insurance Co's value of 6.00% is 48.4% below this benchmark. While the company's 10-year median is 5.01 vs. the industry median of 11.63, 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 ROE % for an Insurance company?
The median ROE % among Insurance companies is 11.63, based on 501 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 Insurance Co's current ROE % of 6.00% is 48.4% 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 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 Insurance Co and its competitors. For the Insurance industry, the median ROE % is 11.63 — values significantly above this may indicate overvaluation, while values below may suggest a bargain or underlying issues. Liva Insurance Co's current ROE % is 6.00%, which is 20% above median its own 10-year median of 5.01. 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 ROE % is 6.00%, which is 20% above median its 10-year median of 5.01 and 48.4% below the Insurance industry median of 11.63. 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 ROE % calculated?
ROE % is calculated from a company's financial statements. For Liva Insurance Co (SAU:8280), the current ROE % is 6.00% 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:
ROE %: 6.00% (20% above median its 10-year median of 5.01)
GF Value™: ﷼24.39 vs. price of ﷼14.88 (39% below fair value)
Industry Position: 48.4% below the Insurance median (#349 of 501)
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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