8280.SR
Full HouseLiva Insurance Company · Financial Services · Saudi Arabia · $137M cap · $637K/day traded
SAR 12.88 +5.6% · close 5 Nov · scored 7 Nov
Score up 1.1 since 6 Nov.
Full House: Strong business, sensible price, and the market agrees.
As of 7 Nov 2026, the MoatMap Score for Liva Insurance Company (8280.SR) is 82/100, ranked against 25,000+ stocks in 38 markets (Quality 56, Value 52, Momentum 71, each scored against its sector).
Does the score work? Each tenth of the ranking, tracked monthly. See the record →
ABOUT LIVA INSURANCE COMPANY
Read
Liva Insurance Company engages in the insurance and reinsurance businesses primarily in the Kingdom of Saudi Arabia. It operates through six segments: Property, Cars, Engineering, Marine, Group Life, and Others. The company offers car, travel, and home insurance products.
FINANCIAL SUMMARY (SAR)
| Year | 2022 | 2023 | 2024 | 2025 | CAGR | TTM |
|---|---|---|---|---|---|---|
| Revenue | 236.5M | 436.9M | 381.4M | 475.1M | 26.2% | 790.2M |
| EPS (SAR) | -1.07 | 0.28 | 0.82 | 0.67 | 54.7% | 0.98 |
| Shares | 40.0M | 40.0M | 40.0M | 40.0M | 0.0% | 40.0M |
| Debt | — | — | — | — | — | — |
| Equity | 333.4M | 390.0M | 440.6M | 478.7M | 12.8% | — |
| Op CF | 42.0M | 1.0M | 38.9M | 66.2M | 16.4% | 227.2M |
| Inv CF | -45.8M | 66.7M | -58.5M | -92.4M | — | — |
| Fin CF | — | — | — | — | — | — |
No clear trend: not near its 52-week low, and not in a steady uptrend.
Calmer than 54% of stocks we rank over the past year (volatility 40% a year).
How this is worked out
The MoatMap Score weighs the business, its price and its trend. The price check reads only the chart: the price side of the Momentum score, in words.
The rules: Still falling is a new 52-week low in the last two weeks, at least 25% below the high. Finding a floor is no new low since. Turning up is 20 or more trading days without a new low, at least 10% off it, and back above a rising 50-day average. In an uptrend is above the 200-day average and within 15% of the high.
In 2,112 US drawdowns since 2001, buying while the price was still falling was followed by a further 20% drop 42% of the time. Waiting for a turn (the Turning up rule above) cut that to 33%, at about 7% higher prices and with no better returns. Part of that cut is simply not buying: 13% of falls never turned, and waiting kept those out. Among turns that were bought, 38% still fell another 20%, and 33% of turns were followed by a new low within six months. The benefit was largest in crashes such as 2008 and 2020.
What it measures: how much the price moved day to day over the past year, scaled to a yearly figure (annualised volatility) and ranked against every stock we cover. Very calm under 20% a year, Calm 20 to 30%, Average 30 to 40%, Bumpy 40 to 55%, Very bumpy above that.
What we found: across about 13,500 stocks in 34 markets (2002 to 2025), past swings were a good guide to the next year's, and bumpier stocks fell further. How much further changed too much between eras to put a number on it.
Calm is not safe: a calm stock can still slide steadily.
Rules fixed before any data was fetched. Describes the chart, not a recommendation.
SCORE BREAKDOWN
FUNDAMENTALS
SECTOR PEERS
Closest peers in Financial Services, ranked by industry match, size, and score similarity. Cross-listings of 8280.SR are excluded.
| Ticker | Company | Mkt Cap | Score |
|---|---|---|---|
| 8280.SR | Liva Insurance Company(you) | $137M | 82 |
| 8300.SR | Wataniya Insurance Company | $144M | 62 |
| 8250.SR | Gulf Insurance Group | $373M | 87 |
| 8120.SR | Gulf Union Alahlia Cooperative Insurance Company | $151M | 36 |
| 8060.SR | Walaa Cooperative Insurance Company | $365M | 47 |
| 8040.SR | Mutakamela Insurance Company | $140M | 23 |
| 8100.SR | Saudi Arabian Cooperative Insurance Company | $72M | 31 |
| 8240.SR | Chubb Arabia Cooperative Insurance Company | $149M | 19 |
| 8170.SR | Al-Etihad Cooperative Insurance Company | $72M | 15 |
| 8070.SR | Arabian Shield Cooperative Insurance Company | $232M | 46 |
Peer medians: ROE 7.5% · P/E 13.7x · Gross margin 13.0%
Company Deep Dive
A 10,000-word report: the business and its segments, what management promised on earnings calls and whether it delivered, the competition, and how things could turn out.