LIVA Insuranceليفا
- Price
- 10.58 SAR
- Fair value
- 9.38 SAR
- Discount to fair value
- −13%
- Mkt cap
- 423.20M
- P/E
- 15.9×
- P/B
- 0.88×
- EV
- 364.56M
- ROE
- 5.6%
- Net margin
- 5.6%
Current price10.58SAR
Fair value (est., median)9.38SAR
UndervaluedFair valueOvervalued
+12.8% above fair valueWould need to fall ~11.3% to reach fair value.
Median ofDCF 119.22Graham 12.89Residual Income 3.44Earnings Power 5.87
Health Check
60.1
Overall / 100
Good (66+)Caution (40–65)Risk (<40)
Rewards
- Healthy balance sheet.
Risks
- Low fair-value confidence — methods disagree or data is thin.
Scores are computed automatically from the real financial statements (Value from fair value; the rest from growth, profitability, balance sheet and dividends). A decision aid, not investment advice.
Price, corporate actions & news
Demo series
D — DividendS — Split▲ good · ▼ bad newstap a marker for detailsDemo series
Growth & profitability
Revenue, net income and margin.
RevenueNet incomeNet margin %tap a bar for figures
Key figures
Covers 4 years · FY2022–FY2025
| Metric | FY'22 | FY'23 | FY'24 | FY'25 | TTM'26 |
|---|---|---|---|---|---|
| Revenue | 236.46M | 436.86M | 381.43M | 475.07M | — |
| Net Income | -42.95M | 11.26M | 32.76M | 26.64M | 32.03M |
| Net Margin | -18.2% | 2.6% | 8.6% | 5.6% | — |
| Operating Cash Flow | 41.99M | 1.00M | 38.88M | 66.25M | — |
| OCF Margin | 17.8% | 0.2% | 10.2% | 13.9% | — |
| Capital Expenditure | 1.18M | 1.00M | 2.09M | 3.24M | — |
| Free Cash Flow | 40.81M | -1.0K | 36.79M | 63.00M | — |
| FCF Margin | 17.3% | -0.0% | 9.6% | 13.3% | — |
| FCF Conversion | 95.0% | -0.0% | 112.3% | 236.5% | — |
| EPS (Diluted) | -1.07/sh | 0.28/sh | 0.82/sh | 0.67/sh | 0.80/sh |
| Dividend / Share | — | — | — | — | — |
Dividend return (if you buy today)
This company doesn’t currently pay a dividend, so there’s no income return to project. The fair-value gauge above covers the price side.
Dividend history
Dividend / share & historical yield (SAR).
No dividend history — this company doesn’t currently pay a dividend.
Valuation breakdown
Fair value = median of the applicable methods (DCF، Graham، Residual Income، Earnings Power).
Each method below is a different lens on the same company — no single method dominates the result.
Discounted Cash Flow
Values the company from the future cash it's expected to generate. · Tap to adjust assumptions
119.22
Dividend Discount Model
Excluded — company pays no dividend
N/A
Graham Number
A conservative benchmark built from earnings and book value. · Tap to adjust assumptions
12.89
Residual Income (justified P/B)
Values the profit the company earns above the cost of its equity. · Tap to adjust assumptions
3.44
Earnings Power Value
Values today's earning power as-is, assuming no growth. · Tap to adjust assumptions
5.87
DCF only is anchored on FY2025 — the latest year with positive cash flow that supports a value. The other methods (DDM, Graham, RIM, EPV) use current / normalized figures.
Fair Value (median)9.38
▸ Show assumptions▾ Assumptions
- Effective discount rate
- 10.50%
- CAPM cost of equity
- 10.50%
- Risk-free rate
- 4.50%
- Equity risk premium
- 6.00%
- DCF growth (stage 1)
- 8.00%
- DCF terminal growth
- 3.00%
- DCF forecast years
- 5
- DDM dividend growth
- 3.00%
Tune these per company in the Hajras Odoo backend; values recompute automatically.
Wealth simulator
What if you'd invested in LIVA Insurance regularly?
Starting year
Not enough history to simulate.
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