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LIVA.OM — — Multiline Insurance & Brokers

Liva Group SAOG

$0,36
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Mcap
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P/E
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EV / Rev
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Div yield
2,78 %
Op margin
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ROE
-17,4 %
Net margin
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Debt / equity
0,84
Beta
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52w range
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Volume
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Day range
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Prev close
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About

Liva Group SAOG operates in the insurance and asset management sectors, providing multiline insurance and brokerage services.

Business. Liva Group SAOG (LIVA.OM) is a multiline insurance and broker operating within the Financials sector, with activities also encompassing asset management. The company generates revenue primarily through a premium-income model. Specific details regarding its operating segments, headquarters location, and primary listing exchange are not provided in the available data.

Classification92 %
SectorFinancials
Business sectorInsurance
IndustryMultiline Insurance & Brokers
ActivityAsset Management
Generated · model-assisted
Sell-side consensus
BUY1 analysts
1 buy0 hold0 sell
Avg 12m price target0,42

Analyst recommendations

1 analysts · consensus Buy
Buy1
Hold0
Sell0
12-month price target
0,42
Consensus of sell-side coverage.
Upcoming events
— missing data
See all catalysts →

At a glance

Score
—
not yet scored
Valuation
—
valuation pending
Analysts→
Buy
1 analysts · indicative
Ownership
—
not yet wired
Profitability→
-17,4 %
return on equity
Quality
—
not yet scored

What drives this business

The watch-list the newsroom runs for this company — derived from its sector path, sharpened layer by layer. Not investment advice.

— missing data

News & coverage

0
  • No recent newsroom coverage mentioning LIVA.

    • Sector rotation

    Sector1D1Mvs mkt
    Materials+2,3 %+6,6 %+1,7 %
    Communication Services+2,2 %−5,5 %+1,6 %
    Energy+0,6 %+3,3 %+0,0 %
    Health Care+0,6 %−0,8 %+0,0 %
    Information Technology+0,6 %+6,7 %+0,0 %
    Consumer Discretionary+0,4 %+7,6 %−0,2 %
    Financials · THIS SECTOR−0,3 %−2,8 %−0,9 %
    Consumer Staples−0,4 %+2,5 %−1,0 %
    Real Estate−0,7 %+10,9 %−1,3 %
    Industrials−1,9 %−3,1 %−2,5 %
    Utilities−1,9 %+28,2 %−2,5 %

    Developing storylines

    No tracked sagas currently linked to LIVA.OM. Browse all sagas →

    Analysis

    AI analysis
    Generated · analysis pipeline · tier hybrid · as of 2026-08-04 ↑ At a glance

    Opportunity

    — missing data

    Upcoming catalysts

    Scheduled public events. Informational only — not investment advice.

    • Macro
    • Rate decisionBank of England rate decision (press conf.)2026-08-06 · GB
    • Rate decisionReserve Bank of Australia rate decision (press conf.)2026-08-12 · AU
    • Rate decisionNorges Bank rate decision (press conf.)2026-08-20 · NO
    • Rate decisionSveriges Riksbank rate decision (press conf.)2026-09-03 · SE
    • Rate decisionBank of Canada rate decision (press conf.)2026-09-09 · CA
    • Rate decisionEuropean Central Bank rate decision (press conf.)2026-09-10 · EU
    • Macro & political
    • ElectionSE Swedish Election2026-09-14 · SE
    • ElectionUS U.S. Midterms2026-11-03 · US
    • ElectionFR French Legislative2027-06-01 · FR

    Pre-earnings brief

    — missing data

    Signals & dispatch

    peak dispatch · —

    Composite-score breakdown

    Synthesis

    Business

    Liva Group SAOG (LIVA.OM) is a multiline insurance and broker operating within the Financials sector, with activities also encompassing asset management. The company generates revenue primarily through a premium-income model. Specific details regarding its operating segments, headquarters location, and primary listing exchange are not provided in the available data.

    Classification92 %
    SectorFinancials
    Business sectorInsurance
    IndustryMultiline Insurance & Brokers
    ActivityAsset Management
    AI synthesis
    GENERATED

    Liva Group SAOG has a liquidity position that is currently low, with a cash and equivalents balance of 136,420,300 OMR. The company's liquidity FPT (free cash flow to total assets) is negative, indicating a cash outflow from operations. The debt-to-equity ratio stands at 0.84, suggesting a moderate level of leverage. The return on equity is -17.44%, and the return on assets is -3.42%, both of which are negative and indicate poor profitability relative to its equity and asset base.

    The company's profitability is underperforming, with a net income of -15,691,130 OMR and an operating income of -16,105,030 OMR. These figures suggest that the company is not generating sufficient revenue to cover its operating costs and is experiencing a net loss. The negative operating cash flow of -13,398,980 OMR and a free cash flow of -14,884,560 OMR further underscore the company's financial challenges.

    Liva Group's revenue concentration is not explicitly detailed in the available data, but the company's operations are primarily focused on insurance and asset management. The geographic exposure is not specified, but the company is based in Oman, and its operations are likely concentrated in the region.

    The company's growth trajectory is uncertain, with no specific revenue growth projections provided. The operating income and net income are both negative, indicating a decline in profitability. The capital expenditure of -506,270 OMR suggests that the company is not investing heavily in new projects or infrastructure.

    The risk assessment indicates a low probability of dilution and no immediate filing-based liquidity or dilution flags. However, the company's negative net income and operating income suggest that it may face financial challenges that could lead to dilution in the future. The adjustments applied to the valuation do not indicate any significant changes to the company's financial position.

    Recent events, such as filings and transcripts, are not detailed in the available data. However, the company's financial performance and risk assessment suggest that it may need to take corrective actions to improve its profitability and liquidity position.

    Key takeaways
    • Liva Group SAOG is experiencing a net loss and negative operating income, indicating poor financial performance.
    • The company's liquidity position is low, with a negative free cash flow and operating cash flow.
    • The debt-to-equity ratio is 0.84, suggesting a moderate level of leverage.
    • The company's profitability metrics, such as return on equity and return on assets, are negative.
    • There are no immediate filing-based liquidity or dilution flags, but the company may face financial challenges in the future.

    Bull / Bear case

    Generated · model-assisted
    — missing data

    In focus — financials by report

    Quarterly
    Annual
    ANNUALFiled 2026-01-15
    FY 2026 · Full-year highlights

    Operating income +109,2% YoY; Net income +292,9% YoY.

    Revenue—
    Operating incomeOMR 1.8M+109,2 % YoY
    Net incomeOMR 12.8M+292,9 % YoY
    Free cash flowOMR 14.9M+373,9 % YoY
    EPS—
    Operating cash flowOMR 46.9M+857,1 % YoY
    Financials
    Income statement
    Revenue—
    Gross profit—
    Operating incomeOMR 1.8M
    Net incomeOMR 12.8M
    Balance sheet
    Total assetsOMR 463.1M
    Total liabilitiesOMR 345.9M
    Total equityOMR 117.2M
    Cash & equivalents—
    Long-term debtOMR 63.5M
    Cash flow
    Operating cash flowOMR 46.9M
    CapEx-OMR 2.4M
    Free cash flowOMR 14.9M
    SBC—
    Highlights
    • ▍Operating income +109,2% YoY
    • ▍Net income +292,9% YoY
    • ▍Free cash flow +373,9% YoY

    Valuation FY

    Market price
    $0,36
    Market cap
    —
    Enterprise valueⓘ
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    P/Eⓘ
    —
    Non-GAAP P/Eⓘ
    —
    EV / Revenueⓘ
    —
    EV / Op incomeⓘ
    —
    EV / OCFⓘ
    —
    P / Bⓘ
    —
    P / Tangible bookⓘ
    —
    Tangible book
    $90.0M
    Net cashⓘ
    $60.8M
    Current ratioⓘ
    —
    Debt / equityⓘ
    0.8
    ROAⓘ
    -3.4%
    ROEⓘ
    -17.4%
    Cash conversionⓘ
    85.0%
    CapEx / revenueⓘ
    —
    SBC / revenueⓘ
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    Dilution ratioⓘ
    0.0%

    Revenue by segment

    Market share

    — missing data

    Business relationships

    — missing data

    Supply chain

    — missing data

    Peer comparison

    — missing data

    Market position

    Stress test

    — missing data

    Predictor forecast

    Options

    — missing data

    Short squeeze

    — missing data

    Earnings-call key lines

    — missing data

    Consensus distribution

    sell-side coverage
    Recommendation distribution1 analysts
    Strong buy1
    Buy0
    Hold0
    Sell0
    Strong sell0
    12-month price target$0,42 · Median $0,42
    Low $0,42High $0,42

    Estimate revisions

    consensus EPS · 26-week trend
    — missing data

    Sell-side observations

    Low$0,42
    Mean$0,42
    Median$0,42
    High$0,42
    Spot$0,36
    +17.8 %implied to mean12-month sell-side price targets · ▲ spot

    Themes

    — missing data

    ESG

    — missing data

    Risk factors

    Dilution riskLow
    Liquidity riskLow
    Filing-based flags
    • No immediate filing-based liquidity or dilution flags were detected.

    Benchmarks vs cohort

    ROE-17,4 %Bottom quartile
    D/E0,84Bottom quartile
    Cash Conv0,85Below median

    Corporate actions / M&A

    — missing data

    FX exposure

    — missing data

    Comparable transactions

    — missing data

    Derivatives & instruments

    — missing data

    Actions

    Ask Handelsavisen

    — missing data
    Data sources
    • Market data
    • Market data cache
    • Issuer disclosures
    • Public news
    • Earnings transcripts
    • Consensus estimates
    • ESG data
    How metrics are computed
    • Dilution Ratio
      (shares_outstanding_diluted - shares_outstanding_basic) / shares_outstanding_basic
    • Net Cash
      cash_and_equivalents + short_term_investments - short_term_debt - long_term_debt
    • Return On Equity
      net_income / total_equity
    • Debt To Equity
      (short_term_debt + long_term_debt) / total_equity
    • Cash Conversion Ratio
      operating_cash_flow / net_income
    • Return On Assets
      net_income / total_assets
    Source documents
    • Liva Group SAOG Market data — financials · 2026-05-28
    • Liva Group SAOG Market data — analyst estimates · 2026-05-28

    Ownership & reference

    Insider activity

    — missing data

    Short positioning

    — missing data

    Geographic breakdown

    — missing data
    Listings · one canonical issuer all listings resolve to the canonical
    LIVA.OMCanonical
    — · USD

    Intel & risk

    peak dispatch · —
    OSINT findings
    Dilution riskLow
    Liquidity riskLow
    No immediate filing-based liquidity or dilution flags were detected.

    Evidence & claims

    From filings & derived data
    — missing data

    The Thread

    Everything we know, in order
    2026-04-15 06:30 UTCEARNINGSQuarterly results — Q1 2026
    2026-01-15 19:49 UTCEARNINGSAnnual results — FY 2026 Net OMR 12.8M
    2025-01-16 08:23 UTCEARNINGSQuarterly results — Q4 2024 Net OMR 5.1M
    2025-01-16 08:23 UTCEARNINGSAnnual results — FY 2025 Net OMR -6.6M
    2024-04-16 05:33 UTCEARNINGSAnnual results — FY 2024 Net OMR 5.8M
    2023-01-16 09:52 UTCEARNINGSAnnual results — FY 2023 Net OMR 3.3M
    2022-01-16 05:17 UTCEARNINGSAnnual results — FY 2022 Net OMR 7.5M
    The entity's full life in the product — typed, chronological, joined across Newspaper, Platform and Data. Our memory, made visible.
    Sources filings · IR · transcripts · market data · tier hybrid · as of 2026-08-04 Market data · Issuer disclosures · Public news · Earnings transcripts · Consensus estimates · ESG data Premium coverage