Liva Insurance Co (SAU:8280) Scaled Net Operating Assets: 0.33 (As of Mar. 2026)

Author: Vera Yuan Vera Yuan
Vera Yuan
Vera Yuan
Director of Data and Quant Analytics at GuruFocus
Focused on building reliable datasets, financial models, and research tools for value-minded investors. Committed to turning complex data into practical guidance for value-investing and long-term wealth.
Reviewed by: Charlie Tian Charlie Tian
Charlie Tian
Charlie Tian
Founder & CEO of GuruFocus
Dr. Charlie Tian is the founder and CEO of GuruFocus.com, a leading global investment research platform established in 2004. With a Ph.D. in physics, Dr. Tian transitioned from science to finance, applying a data-driven, disciplined approach to value investing.

SAU:8280 Liva Insurance Co SAU:8280
81 GF Score
Price ﷼14.88
GF Value ﷼24.39
Valuation Significantly Undervalued
! 2 Warning Signs
View Full Analysis

What is Liva Insurance Co Scaled Net Operating Assets?

Liva Insurance Co SAU:8280 -3.63% 81 Scaled Net Operating Assets is 0.33 as of Mar. 2026. 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.

Scaled Net Operating Assets (SNOA) is calculated as the difference between operating assets and operating liabilities, scaled by lagged total assets.

Liva Insurance Co's operating assets for the quarter that ended in Mar. 2026 was ﷼1,003.9 Mil. Liva Insurance Co's operating liabilities for the quarter that ended in Mar. 2026 was ﷼652.0 Mil. Liva Insurance Co's Total Assets for the quarter that ended in Dec. 2025 was ﷼1,057.0 Mil. Therefore, Liva Insurance Co's scaled net operating assets (SNOA) for the quarter that ended in Mar. 2026 was 0.33.

SAU:8280
81GF Score
Liva Insurance Co SAU:8280
Scaled Net Operating Assets is just one metric. See GF Score™, valuation, warning signs, and more.
View Full Analysis

Liva Insurance Co Scaled Net Operating Assets Calculation

Scaled Net Operating Assets (SNOA) is calculated as the difference between operating assets and operating liabilities, scaled by lagged total assets.

Liva Insurance Co's Scaled Net Operating Assets (SNOA) for the fiscal year that ended in Dec. 2025 is calculated as

Scaled Net Operating Assets (SNOA)(A: Dec. 2025 )
=(Operating Assets (A: Dec. 2025 )-Operating Liabilities (A: Dec. 2025 ))/Total Assets (A: Dec. 2024 )
=(998.348-578.313)/1019.046
=0.41

where

Operating Assets(A: Dec. 2025 )
=Total Assets - Balance Sheet Cash And Cash Equivalents
=1056.991 - 58.643
=998.348

Operating Liabilities(A: Dec. 2025 )
=Total Liabilities - Long-Term Debt & Capital Lease Obligation - Short-Term Debt & Capital Lease Obligation
=578.313 - 0 - 0
=578.313

Liva Insurance Co's Scaled Net Operating Assets (SNOA) for the quarter that ended in Mar. 2026 is calculated as

Scaled Net Operating Assets (SNOA)(Q: Mar. 2026 )
=(Operating Assets (Q: Mar. 2026 )-Operating Liabilities (Q: Mar. 2026 ))/Total Assets (Q: Dec. 2025 )
=(1003.899-651.963)/1056.991
=0.33

where

Operating Assets(Q: Mar. 2026 )
=Total Assets - Balance Sheet Cash And Cash Equivalents
=1137.872 - 133.973
=1003.899

Operating Liabilities(Q: Mar. 2026 )
=Total Liabilities - Long-Term Debt & Capital Lease Obligation - Short-Term Debt & Capital Lease Obligation
=651.963 - 0 - 0
=651.963

* 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.

What does a Scaled Net Operating Assets of 0.33 mean?
Liva Insurance Co (SAU:8280) has a Scaled Net Operating Assets of 0.33 as of Mar. 2026. Scaled net operating assets equals current-period operating assets less operating liabilities less prior-period total assets. View historical data on Liva Insurance Co and its competitors.
Is Liva Insurance Co's Scaled Net Operating Assets too high?
Liva Insurance Co's current Scaled Net Operating Assets is 0.33. 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 Scaled Net Operating Assets compare to BRK.A and AIG?
Liva Insurance Co's Scaled Net Operating Assets of 0.33 can be compared against companies in the Insurance industry. See the competitive comparison table and distribution chart on this page for a detailed peer-by-peer breakdown.
What is a good Scaled Net Operating Assets for an Insurance company?
A good Scaled Net Operating Assets depends on the Insurance industry context. However, Scaled Net Operating Assets should not be evaluated in isolation — investors should consider it alongside profitability, growth, and financial strength metrics. Use the industry distribution chart on this page to see where any company falls relative to its peers.
What does a high Scaled Net Operating Assets mean?
A high Scaled Net Operating Assets can signal that a stock is expensive relative to its fundamentals. Scaled net operating assets equals current-period operating assets less operating liabilities less prior-period total assets. View historical data on Liva Insurance Co and its competitors. Liva Insurance Co's current Scaled Net Operating Assets is 0.33. 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 Scaled Net Operating Assets is 0.33. 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 Scaled Net Operating Assets calculated?
Scaled Net Operating Assets is calculated from a company's financial statements. For Liva Insurance Co (SAU:8280), the current Scaled Net Operating Assets is 0.33 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:

  • Scaled Net Operating Assets: 0.33
  • GF Value™: ﷼24.39 vs. price of ﷼14.88 (39% below fair value)
  • GF Score™: 81/100 with 2 warning signs

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 Business Description

Address 8428 King Fahad Road, P.O. Box 6393, Grand Tower, Floor 20, Al Muhammadiyah District, Riyadh, SAU, 11442
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

Get the complete analysis for SAU:8280

Scaled Net Operating Assets is just one metric. See GF Value™, 30-year financials, guru trades, warning signs, and more.

﷼14.88
Price
﷼24.39
GF Value