Stock 8280 LIVA INSURANCE COMPANY
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Financials Liva Insurance Company

Equities

8280

SA12CG541C16

Multiline Insurance & Brokers

End-of-day quote Saudi Arabian S.E.
Other stock markets
 06:00:00 2024-04-29 pm EDT 		5-day change 1st Jan Change
20.48 SAR +3.75% Intraday chart for Liva Insurance Company -4.74% +15.84%
Mar. 30 Liva Insurance Company Reports Earnings Results for the Full Year Ended December 31, 2023 CI
Mar. 26 Saudi Arabia’s Liva Insurance Extends Business License Until 2027 MT

Valuation

Fiscal Period: December 2018 2019 2020 2021 2022 2023
Capitalization 1 1,276 743.2 1,002 913.6 456 707.2
Enterprise Value (EV) 1 1,221 729 979.6 873 419.3 602.8
P/E ratio 40.9 x 48.9 x -167 x -26 x -9.34 x 63.1 x
Yield - - - - - -
Capitalization / Revenue 7.27 x 4.68 x 9.75 x 7.44 x 1.77 x 1.32 x
EV / Revenue 6.96 x 4.59 x 9.54 x 7.11 x 1.63 x 1.13 x
EV / EBITDA 38.5 x 29.7 x 317 x -35.3 x -10.5 x 3,464 x
EV / FCF 42.1 x 18.6 x -25.5 x 15.2 x 6.61 x 19.1 x
FCF Yield 2.38% 5.39% -3.92% 6.59% 15.1% 5.24%
Price to Book 3.29 x 1.82 x 2.48 x 2.49 x 1.45 x 1.81 x
Nbr of stocks (in thousands) 40,000 40,000 40,000 40,000 40,000 40,000
Reference price 2 31.90 18.58 25.05 22.84 11.40 17.68
Announcement Date 3/27/19 3/23/20 3/18/21 3/22/22 3/29/23 3/30/24
1SAR in Million2SAR
Estimates

Income Statement Evolution (Annual data)

Fiscal Period: December 2018 2019 2020 2021 2022 2023
Net sales 1 175.5 158.7 102.7 122.8 257.1 535
EBITDA 1 31.68 24.5 3.093 -24.74 -39.86 0.174
EBIT 1 31.26 23.66 1.448 -27.66 -43.07 -1.978
Operating Margin 17.82% 14.91% 1.41% -22.52% -16.75% -0.37%
Earnings before Tax (EBT) 1 31.26 23.66 1.448 -27.66 -43.07 17.43
Net income 1 31.26 15.02 -6.146 -35.38 -48.78 11.26
Net margin 17.82% 9.47% -5.98% -28.8% -18.97% 2.1%
EPS 2 0.7800 0.3800 -0.1500 -0.8800 -1.220 0.2800
Free Cash Flow 1 29 39.3 -38.38 57.55 63.44 31.56
FCF margin 16.53% 24.77% -37.36% 46.85% 24.67% 5.9%
FCF Conversion (EBITDA) 91.55% 160.36% - - - 18,136.64%
FCF Conversion (Net income) 92.76% 261.65% - - - 280.31%
Dividend per Share - - - - - -
Announcement Date 3/27/19 3/23/20 3/18/21 3/22/22 3/29/23 3/30/24
1SAR in Million2SAR
Estimates

Balance Sheet Analysis

Fiscal Period: December 2018 2019 2020 2021 2022 2023
Net Debt 1 - - - - - -
Net Cash position 1 55 14.2 22.4 40.6 36.7 104
Leverage (Debt/EBITDA) - - - - - -
Free Cash Flow 1 29 39.3 -38.4 57.5 63.4 31.6
ROE (net income / shareholders' equity) 8.29% 3.77% -1.51% -9.18% -14.3% 3.11%
ROA (Net income/ Total Assets) 2.48% 1.84% 0.11% -2.13% -3.06% -0.15%
Assets 1 1,259 818.1 -5,387 1,664 1,596 -7,421
Book Value Per Share 2 9.690 10.20 10.10 9.170 7.850 9.750
Cash Flow per Share 2 1.370 0.3600 0.5600 1.010 0.9200 2.610
Capex 1 1.27 0.39 1.26 1.61 1.09 0.91
Capex / Sales 0.72% 0.25% 1.23% 1.31% 0.42% 0.17%
Announcement Date 3/27/19 3/23/20 3/18/21 3/22/22 3/29/23 3/30/24
1SAR in Million2SAR
Estimates

EPS & Dividend

Year-on-year evolution of the PER

Change in Enterprise Value/EBITDA

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