Liva Group SAOG (LIVA) 주식 개요리바 그룹 SAOG는 오만 술탄국, 아랍에미리트, 쿠웨이트에서 보험 사업을 영위하는 회사입니다. 자세히 보기LIVA 펀더멘털 분석스노우플레이크 점수가치 평가0/6미래 성장1/6과거 실적2/6재무 건전성4/6배당2/6강점수익은 연간 4.37% 증가할 것으로 예상됩니다.위험 분석이익 마진 (2.1%)이 지난해 (5.9%)보다 낮습니다.모든 위험 점검 보기LIVA Community Fair Values Create NarrativeSee what others think this stock is worth. Follow their fair value or set your own to get alerts.NEW461,592 membersJoin community and earn perksGain real feedbackFrom our editorial team, personally. Not silence.Grow your followingReal investors. The kind who actually invest, not scroll past.Unlock free accessFree premium subscription for consistent and quality authors.Learn moreCreate NarrativeBLINRODA461,592 investors already sharing narrativesYour Fair Valueر.عCurrent Priceر.ع0.36111.8% 고평가 내재 할인율Growth estimate overAnnual revenue growth rate5 Yearstime period%/yrDecreaseIncreasePastFuture-10m472m2016201920222025202620282031Revenue ر.ع471.6mEarnings ر.ع9.8mAdvancedSet Fair ValueView all narrativesLiva Group SAOG 경쟁사Dhofar Insurance Company SAOGSymbol: MSM:DICSMarket cap: ر.ع39.6mOman United Insurance Company SAOGSymbol: MSM:OUICMarket cap: ر.ع33.6mOman Reinsurance Company SAOGSymbol: MSM:ORICMarket cap: ر.ع28.1mArabia Falcon Insurance SAOGSymbol: MSM:AFICMarket cap: ر.ع13.9m가격 이력 및 성과Liva Group SAOG 주가의 최고가, 최저가 및 변동 요약과거 주가현재 주가ر.ع0.3652주 최고가ر.ع0.3852주 최저가ر.ع0.25베타0.111개월 변동0%3개월 변동0%1년 변동38.46%3년 변동5.88%5년 변동-4.26%IPO 이후 변동12.50%최근 뉴스 및 업데이트Reported Earnings • Aug 12Second quarter 2026 earnings released: EPS: ر.ع0.007 (vs ر.ع0.011 in 2Q 2025)Second quarter 2026 results: EPS: ر.ع0.007 (down from ر.ع0.011 in 2Q 2025). Revenue: ر.ع98.4m (up 16% from 2Q 2025). Net income: ر.ع2.15m (down 52% from 2Q 2025). Profit margin: 2.2% (down from 5.2% in 2Q 2025). The decrease in margin was driven by higher expenses. Revenue is forecast to grow 4.4% p.a. on average during the next 3 years, compared to a 2.9% decline forecast for the Insurance industry in Asia. Over the last 3 years on average, earnings per share has increased by 61% per year but the company’s share price has only increased by 2% per year, which means it is significantly lagging earnings growth.Reported Earnings • Apr 16First quarter 2026 earnings released: EPS: ر.ع0.005 (vs ر.ع0.01 in 1Q 2025)First quarter 2026 results: EPS: ر.ع0.005 (down from ر.ع0.01 in 1Q 2025). Revenue: ر.ع114.9m (up 48% from 1Q 2025). Net income: ر.ع1.85m (down 55% from 1Q 2025). Profit margin: 1.6% (down from 5.3% in 1Q 2025). The decrease in margin was driven by higher expenses. Revenue is forecast to grow 4.9% p.a. on average during the next 3 years, compared to a 3.6% decline forecast for the Insurance industry in Asia. Over the last 3 years on average, earnings per share has increased by 67% per year but the company’s share price has remained flat, which means it is significantly lagging earnings.공고 • Mar 13Liva Group SAOG, Annual General Meeting, Mar 30, 2026Liva Group SAOG, Annual General Meeting, Mar 30, 2026, at 21:00 Arabian Standard Time.공고 • Feb 24Liva Group SAOG Proposes Cash Dividend for the Financial Year Ended 31 December 2025Liva Group SAOG proposed cash dividends of 10 baiza per share for the financial year ended 31 December 2025.Reported Earnings • Jan 17Full year 2025 earnings released: EPS: ر.ع0.036 (vs ر.ع0.016 loss in FY 2024)Full year 2025 results: EPS: ر.ع0.036 (up from ر.ع0.016 loss in FY 2024). Revenue: ر.ع427.1m (up 61% from FY 2024). Net income: ر.ع14.2m (up ر.ع20.8m from FY 2024). Profit margin: 3.3% (up from net loss in FY 2024). The move to profitability was driven by higher revenue. Over the last 3 years on average, earnings per share has increased by 58% per year but the company’s share price has remained flat, which means it is significantly lagging earnings.공고 • Jan 08Liva Group SAOG Announces CEO ChangesThe Board of Directors of Liva Group SAOG announced two leadership appointments as the Group advances its ambition across the region. Martin Rueegg, currently Group Chief Executive Officer, has been appointed Advisor to the Group Board's Nomination, Remuneration, Executive and Investment Committee. The Board extends its sincere appreciation to Mr Rueegg for his exemplary leadership and valuable contributions to the Company's development and growth during his tenure as GCEO. He has been instrumental in leading the Group's strategic transformation, establishing a strong platform for future growth. This role allows the Board to draw on Mr. Rueegg's experience in a targeted and impactful way. David Healy will become the new Group CEO, taking up the post on 8 January 2026, subject to regulatory approval. Mr. Healy has more than 30 years of experience in the insurance industry across Life, Health and Employee Benefits sectors and a focus on building businesses that work seamlessly across borders. Mr. Healy has a proven track record in business growth, organisational transformation and building high-performing, multicultural teams, and joins the Company following a career that has included senior leadership roles across Europe and the Middle East. The Board believes Mr. Healy's leadership appointment will further strengthen the Company and continue to advance the progress achieved in recent years.더 많은 업데이트 보기Recent updatesReported Earnings • Aug 12Second quarter 2026 earnings released: EPS: ر.ع0.007 (vs ر.ع0.011 in 2Q 2025)Second quarter 2026 results: EPS: ر.ع0.007 (down from ر.ع0.011 in 2Q 2025). Revenue: ر.ع98.4m (up 16% from 2Q 2025). Net income: ر.ع2.15m (down 52% from 2Q 2025). Profit margin: 2.2% (down from 5.2% in 2Q 2025). The decrease in margin was driven by higher expenses. Revenue is forecast to grow 4.4% p.a. on average during the next 3 years, compared to a 2.9% decline forecast for the Insurance industry in Asia. Over the last 3 years on average, earnings per share has increased by 61% per year but the company’s share price has only increased by 2% per year, which means it is significantly lagging earnings growth.Reported Earnings • Apr 16First quarter 2026 earnings released: EPS: ر.ع0.005 (vs ر.ع0.01 in 1Q 2025)First quarter 2026 results: EPS: ر.ع0.005 (down from ر.ع0.01 in 1Q 2025). Revenue: ر.ع114.9m (up 48% from 1Q 2025). Net income: ر.ع1.85m (down 55% from 1Q 2025). Profit margin: 1.6% (down from 5.3% in 1Q 2025). The decrease in margin was driven by higher expenses. Revenue is forecast to grow 4.9% p.a. on average during the next 3 years, compared to a 3.6% decline forecast for the Insurance industry in Asia. Over the last 3 years on average, earnings per share has increased by 67% per year but the company’s share price has remained flat, which means it is significantly lagging earnings.공고 • Mar 13Liva Group SAOG, Annual General Meeting, Mar 30, 2026Liva Group SAOG, Annual General Meeting, Mar 30, 2026, at 21:00 Arabian Standard Time.공고 • Feb 24Liva Group SAOG Proposes Cash Dividend for the Financial Year Ended 31 December 2025Liva Group SAOG proposed cash dividends of 10 baiza per share for the financial year ended 31 December 2025.Reported Earnings • Jan 17Full year 2025 earnings released: EPS: ر.ع0.036 (vs ر.ع0.016 loss in FY 2024)Full year 2025 results: EPS: ر.ع0.036 (up from ر.ع0.016 loss in FY 2024). Revenue: ر.ع427.1m (up 61% from FY 2024). Net income: ر.ع14.2m (up ر.ع20.8m from FY 2024). Profit margin: 3.3% (up from net loss in FY 2024). The move to profitability was driven by higher revenue. Over the last 3 years on average, earnings per share has increased by 58% per year but the company’s share price has remained flat, which means it is significantly lagging earnings.공고 • Jan 08Liva Group SAOG Announces CEO ChangesThe Board of Directors of Liva Group SAOG announced two leadership appointments as the Group advances its ambition across the region. Martin Rueegg, currently Group Chief Executive Officer, has been appointed Advisor to the Group Board's Nomination, Remuneration, Executive and Investment Committee. The Board extends its sincere appreciation to Mr Rueegg for his exemplary leadership and valuable contributions to the Company's development and growth during his tenure as GCEO. He has been instrumental in leading the Group's strategic transformation, establishing a strong platform for future growth. This role allows the Board to draw on Mr. Rueegg's experience in a targeted and impactful way. David Healy will become the new Group CEO, taking up the post on 8 January 2026, subject to regulatory approval. Mr. Healy has more than 30 years of experience in the insurance industry across Life, Health and Employee Benefits sectors and a focus on building businesses that work seamlessly across borders. Mr. Healy has a proven track record in business growth, organisational transformation and building high-performing, multicultural teams, and joins the Company following a career that has included senior leadership roles across Europe and the Middle East. The Board believes Mr. Healy's leadership appointment will further strengthen the Company and continue to advance the progress achieved in recent years.Reported Earnings • Apr 17First quarter 2025 earnings released: EPS: ر.ع0 (vs ر.ع0.002 loss in 1Q 2024)First quarter 2025 results: EPS: ر.ع0 (improved from ر.ع0.002 loss in 1Q 2024). Revenue: ر.ع97.6k (down 100% from 1Q 2024). Net income: ر.ع4.2k (up ر.ع884.3k from 1Q 2024). Profit margin: 4.3% (up from net loss in 1Q 2024). The move to profitability was driven by lower expenses. Over the last 3 years on average, the company's share price growth rate has exceeded its earnings growth rate by 87 percentage points per year, which is a significant difference in performance.Board Change • Mar 12Less than half of directors are independentFollowing the recent departure of a director, there are only 4 independent directors on the board. The company's board is composed of: 4 independent directors. 5 non-independent directors. Independent Director Saeid Mohamed Binzagr was the last independent director to join the board, commencing their role in 2022. The company's minority of independent directors is a risk according to the Simply Wall St Risk Model.공고 • Mar 10Liva Group SAOG, Annual General Meeting, Mar 25, 2025Liva Group SAOG, Annual General Meeting, Mar 25, 2025, at 19:00 Arabian Standard Time.Reported Earnings • Nov 03Third quarter 2024 earnings releasedThird quarter 2024 results: Revenue: ر.ع86.5m (up 43% from 3Q 2023). Net income: ر.ع5.30m (up 152% from 3Q 2023). Profit margin: 6.1% (up from 3.5% in 3Q 2023).공고 • Aug 22Liva Explores Merger of Liva Insurance with Malath CooperativeLiva Group SAOG (MSM:LIVA) confirmed a potential merger could be on the cards between its Saudi based Liva Insurance Company (SASE:8280) and Malath Cooperative Insurance Company (SASE:8020) to 'expand its footprint' in the Kingdom. It announced on Saudi Tadawul of a non-binding MoU with Malath Insurance to evaluate a potential merger. ‘We look to become the insurer of choice for customers across the GCC. Strategic partnerships such as the one we are exploring with Malath Insurance can help us achieve that ambition’ Khalid Al Zubair of Liva Group. Liva Group, through subsidiaries such as Liva KSA, operates across the GCC, and the 'potential merger reflects the importance that the Group places on Saudi Arabia, the largest market in the GCC and one that is growing at a significant pace'. Khalid Al Zubair, Chairman of Liva Group, said: “Expanding the Group’s footprint in the Kingdom is one of the key pillars of our strategy to accelerate growth across the Group, as we look to become the insurer of choice for customers across the GCC. Strategic partnerships such as the one we are exploring with Malath Insurance can help us achieve that ambition.” Liva KSA and Malath Insurance will carry out due diligence as they seek a merger, 'pursuant to the provisions of the Companies Law and Merger and Acquisition Regulations of Saudi Arabia'. "Any transaction would be subject to the signing of a definitive agreement between Liva KSA and Malath Insurance, as well as the approval of the relevant authorities and shareholders," said the statement. In fact, Liva Group itself emerged from quite an ambitious merger play, between Al Ahlia Insurance and National Life & General Insurance Co., in July 2022. ‘Through this potential merger, we would be well positioned to expand our product offerings, capitalising on the drivers of growth in the Kingdom, including Vision 2030 and regulatory advancements’ Martin Rueegg of Liva Group.Reported Earnings • Jul 18Second quarter 2024 earnings released: ر.ع0.038 loss per share (vs ر.ع0.003 profit in 2Q 2023)Second quarter 2024 results: ر.ع0.038 loss per share (down from ر.ع0.003 profit in 2Q 2023). Revenue: ر.ع97.7m (up 44% from 2Q 2023). Net loss: ر.ع15.1m (down ر.ع16.2m from profit in 2Q 2023). Over the last 3 years on average, the company's share price growth rate has exceeded its earnings growth rate by 69 percentage points per year, which is a significant difference in performance.Reported Earnings • May 21First quarter 2024 earnings released: ر.ع0.002 loss per share (vs ر.ع0.008 loss in 1Q 2023)First quarter 2024 results: ر.ع0.002 loss per share (improved from ر.ع0.008 loss in 1Q 2023). Revenue: ر.ع68.8m (down 1.0% from 1Q 2023). Net loss: ر.ع880.1k (loss narrowed 72% from 1Q 2023). Over the last 3 years on average, the company's share price growth rate has exceeded its earnings growth rate by 62 percentage points per year, which is a significant difference in performance.New Risk • Apr 17New minor risk - Earnings qualityThe company has large one-off items impacting its financial results. One-off items were 58% of the size of the rest of the company's trailing 12-month earnings before tax. This is considered a minor risk. One-off items are incomes or expenses that the company does not expect to repeat in future periods. Examples include profits from the sale of a business or expenses from a restructuring or legal settlements. If the company's reported statutory earnings include a large proportion of one-off items it means they may be an unreliable indicator of its true business performance as the earnings were skewed by these incomes or expenses. Currently, the following risks have been identified for the company: Major Risk Earnings have declined by 28% per year over the past 5 years. Minor Risk Large one-off items impacting financial results.New Risk • Jul 09New major risk - Shareholder dilutionThe company's shareholders have been substantially diluted in the past year. Increase in shares outstanding: 50% This is considered a major risk. Shareholder dilution occurs when there is an increase in the number of shares on issue that is not proportionally distributed between all shareholders. Often due to the company raising equity capital or some options being converted into stock. All else being equal, if there are more shares outstanding then each existing share will be entitled to a lower proportion of the company's total earnings, thus reducing earnings per share (EPS). While dilution might not always result in lower EPS (like if the company is using the capital to fund an EPS accretive acquisition) in a lot cases it does, along with lower dividends per share and less voting power at shareholder meetings. Currently, the following risks have been identified for the company: Major Risks Earnings have declined by 14% per year over the past 5 years. Shareholders have been substantially diluted in the past year (50% increase in shares outstanding).New Risk • Jul 05New major risk - Shareholder dilutionThe company's shareholders have been substantially diluted in the past year. Increase in shares outstanding: 50% This is considered a major risk. Shareholder dilution occurs when there is an increase in the number of shares on issue that is not proportionally distributed between all shareholders. Often due to the company raising equity capital or some options being converted into stock. All else being equal, if there are more shares outstanding then each existing share will be entitled to a lower proportion of the company's total earnings, thus reducing earnings per share (EPS). While dilution might not always result in lower EPS (like if the company is using the capital to fund an EPS accretive acquisition) in a lot cases it does, along with lower dividends per share and less voting power at shareholder meetings. Currently, the following risks have been identified for the company: Major Risks Earnings have declined by 14% per year over the past 5 years. Shareholders have been substantially diluted in the past year (50% increase in shares outstanding).Reported Earnings • May 16First quarter 2023 earnings released: ر.ع0.008 loss per share (vs ر.ع0.008 profit in 1Q 2022)First quarter 2023 results: ر.ع0.008 loss per share (down from ر.ع0.008 profit in 1Q 2022). Revenue: ر.ع69.5m (up 90% from 1Q 2022). Net loss: ر.ع3.16m (down 254% from profit in 1Q 2022). Over the last 3 years on average, earnings per share has fallen by 57% per year but the company’s share price has increased by 2% per year, which means it is well ahead of earnings.Reported Earnings • Mar 10Full year 2022 earnings released: EPS: ر.ع0.009 (vs ر.ع0.028 in FY 2021)Full year 2022 results: EPS: ر.ع0.009 (down from ر.ع0.028 in FY 2021). Revenue: ر.ع195.1m (up 54% from FY 2021). Net income: ر.ع3.11m (down 58% from FY 2021). Profit margin: 1.6% (down from 5.9% in FY 2021). The decrease in margin was driven by higher expenses. Over the last 3 years on average, earnings per share has fallen by 39% per year but the company’s share price has increased by 2% per year, which means it is well ahead of earnings.Reported Earnings • Jan 18Full year 2022 earnings released: EPS: ر.ع0.009 (vs ر.ع0.028 in FY 2021)Full year 2022 results: EPS: ر.ع0.009 (down from ر.ع0.028 in FY 2021). Revenue: ر.ع188.7m (up 49% from FY 2021). Net income: ر.ع3.66m (down 51% from FY 2021). Profit margin: 1.9% (down from 5.9% in FY 2021). The decrease in margin was driven by higher expenses. Over the last 3 years on average, earnings per share has fallen by 39% per year but the company’s share price has increased by 4% per year, which means it is well ahead of earnings.Board Change • Nov 16Less than half of directors are independentThere are 6 new directors who have joined the board in the last 3 years. Of these new board members, 1 was an independent director. The company's board is composed of: 3 independent directors. 8 non-independent directors. Independent Director Mohammed Ali Al Qassabi was the last independent director to join the board, commencing their role in 2021. The following issues are considered to be risks according to the Simply Wall St Risk Model: Minority of independent directors. Lack of board continuity.Reported Earnings • Nov 06Third quarter 2022 earnings released: EPS: ر.ع0.001 (vs ر.ع0.008 in 3Q 2021)Third quarter 2022 results: EPS: ر.ع0.001 (down from ر.ع0.008 in 3Q 2021). Revenue: ر.ع60.7m (up 91% from 3Q 2021). Net income: ر.ع297.9k (down 87% from 3Q 2021). Profit margin: 0.5% (down from 6.9% in 3Q 2021). The decrease in margin was driven by higher expenses. Over the last 3 years on average, earnings per share has fallen by 25% per year but the company’s share price has increased by 1% per year, which means it is well ahead of earnings.Reported Earnings • Aug 02Second quarter 2022 earnings releasedSecond quarter 2022 results: Revenue: ر.ع34.2m (up 14% from 2Q 2021). Net income: ر.ع1.08m (down 50% from 2Q 2021). Profit margin: 3.2% (down from 7.1% in 2Q 2021). The decrease in margin was driven by higher expenses. Over the last 3 years on average, earnings per share has fallen by 13% per year but the company’s share price has increased by 5% per year, which means it is well ahead of earnings.공고 • Jul 09National Life and General Insurance Company SAOG (MSM:NLIF) completed the acquisition of Royal & Sun Alliance Insurance (Middle East) BSC (c) from RSA Insurance Group LimitedNational Life and General Insurance Company SAOG (MSM:NLIF) agreed to acquire Royal & Sun Alliance Insurance (Middle East) BSC (c) from RSA Insurance Group Limited on April 4, 2022. The transaction is subject to approvals from the respective regulators and NLGIC’s shareholders. The transaction is expected to complete by the end of Q3 2022. Clyde & Co L L P is acting as legal adviser to Intact Financial Corporation and RSA. National Life and General Insurance Company SAOG (MSM:NLIF) completed the acquisition of Royal & Sun Alliance Insurance (Middle East) BSC (c) from RSA Insurance Group Limited on July 7, 2022.공고 • Jul 08National Life and General Insurance Company SAOG, Annual General Meeting, Jul 24, 2022National Life and General Insurance Company SAOG, Annual General Meeting, Jul 24, 2022, at 17:00 Indian Standard Time. Agenda: To consider board changes.Board Change • Apr 27Less than half of directors are independentFollowing the recent departure of a director, there are only 3 independent directors on the board. The company's board is composed of: 3 independent directors. 4 non-independent directors. Independent Director Mohammed Ali Al Qassabi was the last independent director to join the board, commencing their role in 2021. The company's minority of independent directors is a risk according to the Simply Wall St Risk Model.공고 • Apr 06National Life and General Insurance Company SAOG (MSM:NLIF) agreed to acquire Royal & Sun Alliance Insurance (Middle East) BSC (c) from Sun Alliance Insurance Overseas Limited and others.National Life and General Insurance Company SAOG (MSM:NLIF) agreed to acquire Royal & Sun Alliance Insurance (Middle East) BSC (c) from Sun Alliance Insurance Overseas Limited and others on April 4, 2022. The transaction is subject to approvals from the respective regulators and NLGIC’s shareholders. The transaction is expected to complete by the end of Q3 2022. Clyde & Co LLP – Dubai office is acting as legal adviser to Intact Financial Corporation and RSA.Reported Earnings • Mar 16Full year 2021 earnings: Revenues and EPS in line with analyst expectationsFull year 2021 results: EPS: ر.ع0.027 (down from ر.ع0.057 in FY 2020). Revenue: ر.ع123.2m (up 1.0% from FY 2020). Net income: ر.ع7.04m (down 53% from FY 2020). Profit margin: 5.7% (down from 12% in FY 2020). The decrease in margin was driven by higher expenses. Revenue was in line with analyst estimates. Over the last 3 years on average, earnings per share has increased by 3% per year whereas the company’s share price has increased by 5% per year.Reported Earnings • Jul 18Second quarter 2021 earnings released: EPS ر.ع0.008 (vs ر.ع0.032 in 2Q 2020)The company reported a poor second quarter result with weaker earnings, revenues and profit margins. Second quarter 2021 results: Revenue: ر.ع27.7m (down 9.2% from 2Q 2020). Net income: ر.ع2.14m (down 75% from 2Q 2020). Profit margin: 7.7% (down from 28% in 2Q 2020). The decrease in margin was primarily driven by higher expenses. Over the last 3 years on average, earnings per share has increased by 19% per year but the company’s share price has only increased by 7% per year, which means it is significantly lagging earnings growth.Reported Earnings • Apr 17First quarter 2021 earnings released: EPS ر.ع0.01 (vs ر.ع0.009 in 1Q 2020)The company reported a decent first quarter result with improved earnings and profit margins, although revenues were weaker. First quarter 2021 results: Revenue: ر.ع31.8m (down 1.3% from 1Q 2020). Net income: ر.ع2.71m (up 15% from 1Q 2020). Profit margin: 8.5% (up from 7.3% in 1Q 2020). The increase in margin was driven by lower expenses. Over the last 3 years on average, earnings per share has increased by 25% per year but the company’s share price has only increased by 4% per year, which means it is significantly lagging earnings growth.Reported Earnings • Mar 05Full year 2020 earnings released: EPS ر.ع0.057 (vs ر.ع0.038 in FY 2019)The company reported a strong full year result with improved earnings, revenues and profit margins. Full year 2020 results: Revenue: ر.ع122.0m (up 5.0% from FY 2019). Net income: ر.ع15.0m (up 47% from FY 2019). Profit margin: 12% (up from 8.8% in FY 2019). Over the last 3 years on average, earnings per share has increased by 23% per year but the company’s share price has only increased by 7% per year, which means it is significantly lagging earnings growth.Is New 90 Day High Low • Feb 12New 90-day high: ر.ع0.37The company is up 1.0% from its price of ر.ع0.36 on 12 November 2020. The Omani market is down 2.0% over the last 90 days, indicating the company outperformed over that time. It also outperformed the Insurance industry, which is down 1.0% over the same period.Reported Earnings • Jan 19Full year 2020 earnings released: EPS ر.ع0.057The company reported a strong full year result with improved earnings, revenues and profit margins. Full year 2020 results: Revenue: ر.ع118.4m (up 1.9% from FY 2019). Net income: ر.ع15.0m (up 47% from FY 2019). Profit margin: 13% (up from 8.8% in FY 2019). The increase in margin was primarily driven by lower expenses. Over the last 3 years on average, earnings per share has increased by 23% per year but the company’s share price has only increased by 3% per year, which means it is significantly lagging earnings growth.Is New 90 Day High Low • Nov 02New 90-day high: ر.ع0.36The company is up 14% from its price of ر.ع0.32 on 29 July 2020. The Omani market is flat over the last 90 days, indicating the company outperformed over that time. It also outperformed the Insurance industry, which is up 5.0% over the same period.Reported Earnings • Oct 17Third quarter earnings releasedOver the last 12 months the company has reported total profits of ر.ع16.9m, up 80% from the prior year. Total revenue was ر.ع125.7m over the last 12 months, up 16% from the prior year.Is New 90 Day High Low • Oct 05New 90-day high: ر.ع0.34The company is up 6.0% from its price of ر.ع0.32 on 07 July 2020. The Omani market is up 2.0% over the last 90 days, indicating the company outperformed over that time. It also outperformed the Insurance industry, which is up 3.0% over the same period.주주 수익률LIVAOM InsuranceOM 시장7D0%0.1%1.1%1Y38.5%26.8%44.8%전체 주주 수익률 보기수익률 대 산업: LIVA은 지난 1년 동안 26.8%의 수익을 기록한 OM Insurance 산업보다 더 좋은 성과를 냈습니다.수익률 대 시장: LIVA은 지난 1년 동안 44.8%를 기록한 OM 시장보다 저조한 성과를 냈습니다.주가 변동성Is LIVA's price volatile compared to industry and market?LIVA volatilityLIVA Average Weekly Movement0%Insurance Industry Average Movement4.0%Market Average Movement4.1%10% most volatile stocks in OM Market6.8%10% least volatile stocks in OM Market2.2%안정적인 주가: 데이터를 사용할 수 없습니다.시간에 따른 변동성: Insufficient data to determine LIVA의 변동성 변화를 판단할 수 없습니다.회사 소개설립직원 수CEO웹사이트19951,192David Healywww.livagroup.co리바 그룹 SAOG는 오만 술탄국, 아랍에미리트, 쿠웨이트에서 보험 사업을 영위하는 회사입니다. 이 회사는 건강 및 생명, 개인 라인, 상업 라인 부문을 통해 사업을 운영합니다. 이 회사는 일반 건강 보험 상품을 제공합니다.더 보기Liva Group SAOG 기초 지표 요약Liva Group SAOG의 순이익과 매출은 시가총액과 어떻게 비교됩니까?LIVA 기초 통계시가총액ر.ع143.41m순이익 (TTM)ر.ع7.88m매출 (TTM)ر.ع380.75m18.2x주가수익비율(P/E)0.4x주가매출비율(P/S)LIVA는 고평가되어 있습니까?공정 가치 및 평가 분석 보기순이익 및 매출최근 실적 보고서(TTM)의 주요 수익성 지표LIVA 손익계산서 (TTM)매출ر.ع380.75m매출원가ر.ع349.84m총이익ر.ع30.91m기타 비용ر.ع23.02m순이익ر.ع7.88m최근 보고된 실적Jun 30, 2026다음 실적 발표일해당 없음주당순이익(EPS)0.02총이익률8.12%순이익률2.07%부채/자본 비율44.4%LIVA의 장기 실적은 어땠습니까?과거 실적 및 비교 보기배당2.8%현재 배당 수익률45%배당 성향View Valuation기업 분석 및 재무 데이터 상태데이터최종 업데이트 (UTC 시간)기업 분석2026/08/20 23:17종가2026/08/20 00:00수익2026/06/30연간 수익2025/12/31데이터 소스당사의 기업 분석에 사용되는 데이터는 S&P Global Market Intelligence LLC에서 제공됩니다. 아래 데이터는 이 보고서를 생성하기 위해 분석 모델에서 사용됩니다. 데이터는 정규화되므로 소스가 제공된 후 지연이 발생할 수 있습니다.패키지데이터기간미국 소스 예시 *기업 재무제표10년손익계산서현금흐름표대차대조표SEC 양식 10-KSEC 양식 10-Q분석가 컨센서스 추정치+3년재무 예측분석가 목표주가분석가 리서치 보고서Blue Matrix시장 가격30년주가배당, 분할 및 기타 조치ICE 시장 데이터SEC 양식 S-1지분 구조10년주요 주주내부자 거래SEC 양식 4SEC 양식 13D경영진10년리더십 팀이사회SEC 양식 10-KSEC 양식 DEF 14A주요 개발10년회사 공시SEC 양식 8-K* 미국 증권에 대한 예시이며, 비(非)미국 증권에는 해당 국가의 규제 서식 및 자료원을 사용합니다.별도로 명시되지 않는 한 모든 재무 데이터는 연간 기간을 기준으로 하지만 분기별로 업데이트됩니다. 이를 TTM(최근 12개월) 또는 LTM(지난 12개월) 데이터라고 합니다. 자세히 알아보기.분석 모델 및 스노우플레이크이 보고서를 생성하는 데 사용된 분석 모델의 세부 정보는 당사의 GitHub 페이지에서 확인하실 수 있습니다. 또한 보고서 사용 방법에 대한 가이드와 YouTube 튜토리얼도 제공하고 있습니다.Simply Wall St 분석 모델을 설계하고 구축한 세계적 수준의 팀에 대해 알아보세요.산업 및 섹터 지표산업 및 섹터 지표는 Simply Wall St가 6시간마다 계산하며, 프로세스에 대한 자세한 내용은 Github에서 확인할 수 있습니다.분석가 소스Liva Group SAOG는 1명의 분석가가 다루고 있습니다. 이 중 1명의 분석가가 우리 보고서에 입력 데이터로 사용되는 매출 또는 수익 추정치를 제출했습니다. 분석가의 제출 자료는 하루 종일 업데이트됩니다.분석가기관null nullU Capital
Reported Earnings • Aug 12Second quarter 2026 earnings released: EPS: ر.ع0.007 (vs ر.ع0.011 in 2Q 2025)Second quarter 2026 results: EPS: ر.ع0.007 (down from ر.ع0.011 in 2Q 2025). Revenue: ر.ع98.4m (up 16% from 2Q 2025). Net income: ر.ع2.15m (down 52% from 2Q 2025). Profit margin: 2.2% (down from 5.2% in 2Q 2025). The decrease in margin was driven by higher expenses. Revenue is forecast to grow 4.4% p.a. on average during the next 3 years, compared to a 2.9% decline forecast for the Insurance industry in Asia. Over the last 3 years on average, earnings per share has increased by 61% per year but the company’s share price has only increased by 2% per year, which means it is significantly lagging earnings growth.
Reported Earnings • Apr 16First quarter 2026 earnings released: EPS: ر.ع0.005 (vs ر.ع0.01 in 1Q 2025)First quarter 2026 results: EPS: ر.ع0.005 (down from ر.ع0.01 in 1Q 2025). Revenue: ر.ع114.9m (up 48% from 1Q 2025). Net income: ر.ع1.85m (down 55% from 1Q 2025). Profit margin: 1.6% (down from 5.3% in 1Q 2025). The decrease in margin was driven by higher expenses. Revenue is forecast to grow 4.9% p.a. on average during the next 3 years, compared to a 3.6% decline forecast for the Insurance industry in Asia. Over the last 3 years on average, earnings per share has increased by 67% per year but the company’s share price has remained flat, which means it is significantly lagging earnings.
공고 • Mar 13Liva Group SAOG, Annual General Meeting, Mar 30, 2026Liva Group SAOG, Annual General Meeting, Mar 30, 2026, at 21:00 Arabian Standard Time.
공고 • Feb 24Liva Group SAOG Proposes Cash Dividend for the Financial Year Ended 31 December 2025Liva Group SAOG proposed cash dividends of 10 baiza per share for the financial year ended 31 December 2025.
Reported Earnings • Jan 17Full year 2025 earnings released: EPS: ر.ع0.036 (vs ر.ع0.016 loss in FY 2024)Full year 2025 results: EPS: ر.ع0.036 (up from ر.ع0.016 loss in FY 2024). Revenue: ر.ع427.1m (up 61% from FY 2024). Net income: ر.ع14.2m (up ر.ع20.8m from FY 2024). Profit margin: 3.3% (up from net loss in FY 2024). The move to profitability was driven by higher revenue. Over the last 3 years on average, earnings per share has increased by 58% per year but the company’s share price has remained flat, which means it is significantly lagging earnings.
공고 • Jan 08Liva Group SAOG Announces CEO ChangesThe Board of Directors of Liva Group SAOG announced two leadership appointments as the Group advances its ambition across the region. Martin Rueegg, currently Group Chief Executive Officer, has been appointed Advisor to the Group Board's Nomination, Remuneration, Executive and Investment Committee. The Board extends its sincere appreciation to Mr Rueegg for his exemplary leadership and valuable contributions to the Company's development and growth during his tenure as GCEO. He has been instrumental in leading the Group's strategic transformation, establishing a strong platform for future growth. This role allows the Board to draw on Mr. Rueegg's experience in a targeted and impactful way. David Healy will become the new Group CEO, taking up the post on 8 January 2026, subject to regulatory approval. Mr. Healy has more than 30 years of experience in the insurance industry across Life, Health and Employee Benefits sectors and a focus on building businesses that work seamlessly across borders. Mr. Healy has a proven track record in business growth, organisational transformation and building high-performing, multicultural teams, and joins the Company following a career that has included senior leadership roles across Europe and the Middle East. The Board believes Mr. Healy's leadership appointment will further strengthen the Company and continue to advance the progress achieved in recent years.
Reported Earnings • Aug 12Second quarter 2026 earnings released: EPS: ر.ع0.007 (vs ر.ع0.011 in 2Q 2025)Second quarter 2026 results: EPS: ر.ع0.007 (down from ر.ع0.011 in 2Q 2025). Revenue: ر.ع98.4m (up 16% from 2Q 2025). Net income: ر.ع2.15m (down 52% from 2Q 2025). Profit margin: 2.2% (down from 5.2% in 2Q 2025). The decrease in margin was driven by higher expenses. Revenue is forecast to grow 4.4% p.a. on average during the next 3 years, compared to a 2.9% decline forecast for the Insurance industry in Asia. Over the last 3 years on average, earnings per share has increased by 61% per year but the company’s share price has only increased by 2% per year, which means it is significantly lagging earnings growth.
Reported Earnings • Apr 16First quarter 2026 earnings released: EPS: ر.ع0.005 (vs ر.ع0.01 in 1Q 2025)First quarter 2026 results: EPS: ر.ع0.005 (down from ر.ع0.01 in 1Q 2025). Revenue: ر.ع114.9m (up 48% from 1Q 2025). Net income: ر.ع1.85m (down 55% from 1Q 2025). Profit margin: 1.6% (down from 5.3% in 1Q 2025). The decrease in margin was driven by higher expenses. Revenue is forecast to grow 4.9% p.a. on average during the next 3 years, compared to a 3.6% decline forecast for the Insurance industry in Asia. Over the last 3 years on average, earnings per share has increased by 67% per year but the company’s share price has remained flat, which means it is significantly lagging earnings.
공고 • Mar 13Liva Group SAOG, Annual General Meeting, Mar 30, 2026Liva Group SAOG, Annual General Meeting, Mar 30, 2026, at 21:00 Arabian Standard Time.
공고 • Feb 24Liva Group SAOG Proposes Cash Dividend for the Financial Year Ended 31 December 2025Liva Group SAOG proposed cash dividends of 10 baiza per share for the financial year ended 31 December 2025.
Reported Earnings • Jan 17Full year 2025 earnings released: EPS: ر.ع0.036 (vs ر.ع0.016 loss in FY 2024)Full year 2025 results: EPS: ر.ع0.036 (up from ر.ع0.016 loss in FY 2024). Revenue: ر.ع427.1m (up 61% from FY 2024). Net income: ر.ع14.2m (up ر.ع20.8m from FY 2024). Profit margin: 3.3% (up from net loss in FY 2024). The move to profitability was driven by higher revenue. Over the last 3 years on average, earnings per share has increased by 58% per year but the company’s share price has remained flat, which means it is significantly lagging earnings.
공고 • Jan 08Liva Group SAOG Announces CEO ChangesThe Board of Directors of Liva Group SAOG announced two leadership appointments as the Group advances its ambition across the region. Martin Rueegg, currently Group Chief Executive Officer, has been appointed Advisor to the Group Board's Nomination, Remuneration, Executive and Investment Committee. The Board extends its sincere appreciation to Mr Rueegg for his exemplary leadership and valuable contributions to the Company's development and growth during his tenure as GCEO. He has been instrumental in leading the Group's strategic transformation, establishing a strong platform for future growth. This role allows the Board to draw on Mr. Rueegg's experience in a targeted and impactful way. David Healy will become the new Group CEO, taking up the post on 8 January 2026, subject to regulatory approval. Mr. Healy has more than 30 years of experience in the insurance industry across Life, Health and Employee Benefits sectors and a focus on building businesses that work seamlessly across borders. Mr. Healy has a proven track record in business growth, organisational transformation and building high-performing, multicultural teams, and joins the Company following a career that has included senior leadership roles across Europe and the Middle East. The Board believes Mr. Healy's leadership appointment will further strengthen the Company and continue to advance the progress achieved in recent years.
Reported Earnings • Apr 17First quarter 2025 earnings released: EPS: ر.ع0 (vs ر.ع0.002 loss in 1Q 2024)First quarter 2025 results: EPS: ر.ع0 (improved from ر.ع0.002 loss in 1Q 2024). Revenue: ر.ع97.6k (down 100% from 1Q 2024). Net income: ر.ع4.2k (up ر.ع884.3k from 1Q 2024). Profit margin: 4.3% (up from net loss in 1Q 2024). The move to profitability was driven by lower expenses. Over the last 3 years on average, the company's share price growth rate has exceeded its earnings growth rate by 87 percentage points per year, which is a significant difference in performance.
Board Change • Mar 12Less than half of directors are independentFollowing the recent departure of a director, there are only 4 independent directors on the board. The company's board is composed of: 4 independent directors. 5 non-independent directors. Independent Director Saeid Mohamed Binzagr was the last independent director to join the board, commencing their role in 2022. The company's minority of independent directors is a risk according to the Simply Wall St Risk Model.
공고 • Mar 10Liva Group SAOG, Annual General Meeting, Mar 25, 2025Liva Group SAOG, Annual General Meeting, Mar 25, 2025, at 19:00 Arabian Standard Time.
Reported Earnings • Nov 03Third quarter 2024 earnings releasedThird quarter 2024 results: Revenue: ر.ع86.5m (up 43% from 3Q 2023). Net income: ر.ع5.30m (up 152% from 3Q 2023). Profit margin: 6.1% (up from 3.5% in 3Q 2023).
공고 • Aug 22Liva Explores Merger of Liva Insurance with Malath CooperativeLiva Group SAOG (MSM:LIVA) confirmed a potential merger could be on the cards between its Saudi based Liva Insurance Company (SASE:8280) and Malath Cooperative Insurance Company (SASE:8020) to 'expand its footprint' in the Kingdom. It announced on Saudi Tadawul of a non-binding MoU with Malath Insurance to evaluate a potential merger. ‘We look to become the insurer of choice for customers across the GCC. Strategic partnerships such as the one we are exploring with Malath Insurance can help us achieve that ambition’ Khalid Al Zubair of Liva Group. Liva Group, through subsidiaries such as Liva KSA, operates across the GCC, and the 'potential merger reflects the importance that the Group places on Saudi Arabia, the largest market in the GCC and one that is growing at a significant pace'. Khalid Al Zubair, Chairman of Liva Group, said: “Expanding the Group’s footprint in the Kingdom is one of the key pillars of our strategy to accelerate growth across the Group, as we look to become the insurer of choice for customers across the GCC. Strategic partnerships such as the one we are exploring with Malath Insurance can help us achieve that ambition.” Liva KSA and Malath Insurance will carry out due diligence as they seek a merger, 'pursuant to the provisions of the Companies Law and Merger and Acquisition Regulations of Saudi Arabia'. "Any transaction would be subject to the signing of a definitive agreement between Liva KSA and Malath Insurance, as well as the approval of the relevant authorities and shareholders," said the statement. In fact, Liva Group itself emerged from quite an ambitious merger play, between Al Ahlia Insurance and National Life & General Insurance Co., in July 2022. ‘Through this potential merger, we would be well positioned to expand our product offerings, capitalising on the drivers of growth in the Kingdom, including Vision 2030 and regulatory advancements’ Martin Rueegg of Liva Group.
Reported Earnings • Jul 18Second quarter 2024 earnings released: ر.ع0.038 loss per share (vs ر.ع0.003 profit in 2Q 2023)Second quarter 2024 results: ر.ع0.038 loss per share (down from ر.ع0.003 profit in 2Q 2023). Revenue: ر.ع97.7m (up 44% from 2Q 2023). Net loss: ر.ع15.1m (down ر.ع16.2m from profit in 2Q 2023). Over the last 3 years on average, the company's share price growth rate has exceeded its earnings growth rate by 69 percentage points per year, which is a significant difference in performance.
Reported Earnings • May 21First quarter 2024 earnings released: ر.ع0.002 loss per share (vs ر.ع0.008 loss in 1Q 2023)First quarter 2024 results: ر.ع0.002 loss per share (improved from ر.ع0.008 loss in 1Q 2023). Revenue: ر.ع68.8m (down 1.0% from 1Q 2023). Net loss: ر.ع880.1k (loss narrowed 72% from 1Q 2023). Over the last 3 years on average, the company's share price growth rate has exceeded its earnings growth rate by 62 percentage points per year, which is a significant difference in performance.
New Risk • Apr 17New minor risk - Earnings qualityThe company has large one-off items impacting its financial results. One-off items were 58% of the size of the rest of the company's trailing 12-month earnings before tax. This is considered a minor risk. One-off items are incomes or expenses that the company does not expect to repeat in future periods. Examples include profits from the sale of a business or expenses from a restructuring or legal settlements. If the company's reported statutory earnings include a large proportion of one-off items it means they may be an unreliable indicator of its true business performance as the earnings were skewed by these incomes or expenses. Currently, the following risks have been identified for the company: Major Risk Earnings have declined by 28% per year over the past 5 years. Minor Risk Large one-off items impacting financial results.
New Risk • Jul 09New major risk - Shareholder dilutionThe company's shareholders have been substantially diluted in the past year. Increase in shares outstanding: 50% This is considered a major risk. Shareholder dilution occurs when there is an increase in the number of shares on issue that is not proportionally distributed between all shareholders. Often due to the company raising equity capital or some options being converted into stock. All else being equal, if there are more shares outstanding then each existing share will be entitled to a lower proportion of the company's total earnings, thus reducing earnings per share (EPS). While dilution might not always result in lower EPS (like if the company is using the capital to fund an EPS accretive acquisition) in a lot cases it does, along with lower dividends per share and less voting power at shareholder meetings. Currently, the following risks have been identified for the company: Major Risks Earnings have declined by 14% per year over the past 5 years. Shareholders have been substantially diluted in the past year (50% increase in shares outstanding).
New Risk • Jul 05New major risk - Shareholder dilutionThe company's shareholders have been substantially diluted in the past year. Increase in shares outstanding: 50% This is considered a major risk. Shareholder dilution occurs when there is an increase in the number of shares on issue that is not proportionally distributed between all shareholders. Often due to the company raising equity capital or some options being converted into stock. All else being equal, if there are more shares outstanding then each existing share will be entitled to a lower proportion of the company's total earnings, thus reducing earnings per share (EPS). While dilution might not always result in lower EPS (like if the company is using the capital to fund an EPS accretive acquisition) in a lot cases it does, along with lower dividends per share and less voting power at shareholder meetings. Currently, the following risks have been identified for the company: Major Risks Earnings have declined by 14% per year over the past 5 years. Shareholders have been substantially diluted in the past year (50% increase in shares outstanding).
Reported Earnings • May 16First quarter 2023 earnings released: ر.ع0.008 loss per share (vs ر.ع0.008 profit in 1Q 2022)First quarter 2023 results: ر.ع0.008 loss per share (down from ر.ع0.008 profit in 1Q 2022). Revenue: ر.ع69.5m (up 90% from 1Q 2022). Net loss: ر.ع3.16m (down 254% from profit in 1Q 2022). Over the last 3 years on average, earnings per share has fallen by 57% per year but the company’s share price has increased by 2% per year, which means it is well ahead of earnings.
Reported Earnings • Mar 10Full year 2022 earnings released: EPS: ر.ع0.009 (vs ر.ع0.028 in FY 2021)Full year 2022 results: EPS: ر.ع0.009 (down from ر.ع0.028 in FY 2021). Revenue: ر.ع195.1m (up 54% from FY 2021). Net income: ر.ع3.11m (down 58% from FY 2021). Profit margin: 1.6% (down from 5.9% in FY 2021). The decrease in margin was driven by higher expenses. Over the last 3 years on average, earnings per share has fallen by 39% per year but the company’s share price has increased by 2% per year, which means it is well ahead of earnings.
Reported Earnings • Jan 18Full year 2022 earnings released: EPS: ر.ع0.009 (vs ر.ع0.028 in FY 2021)Full year 2022 results: EPS: ر.ع0.009 (down from ر.ع0.028 in FY 2021). Revenue: ر.ع188.7m (up 49% from FY 2021). Net income: ر.ع3.66m (down 51% from FY 2021). Profit margin: 1.9% (down from 5.9% in FY 2021). The decrease in margin was driven by higher expenses. Over the last 3 years on average, earnings per share has fallen by 39% per year but the company’s share price has increased by 4% per year, which means it is well ahead of earnings.
Board Change • Nov 16Less than half of directors are independentThere are 6 new directors who have joined the board in the last 3 years. Of these new board members, 1 was an independent director. The company's board is composed of: 3 independent directors. 8 non-independent directors. Independent Director Mohammed Ali Al Qassabi was the last independent director to join the board, commencing their role in 2021. The following issues are considered to be risks according to the Simply Wall St Risk Model: Minority of independent directors. Lack of board continuity.
Reported Earnings • Nov 06Third quarter 2022 earnings released: EPS: ر.ع0.001 (vs ر.ع0.008 in 3Q 2021)Third quarter 2022 results: EPS: ر.ع0.001 (down from ر.ع0.008 in 3Q 2021). Revenue: ر.ع60.7m (up 91% from 3Q 2021). Net income: ر.ع297.9k (down 87% from 3Q 2021). Profit margin: 0.5% (down from 6.9% in 3Q 2021). The decrease in margin was driven by higher expenses. Over the last 3 years on average, earnings per share has fallen by 25% per year but the company’s share price has increased by 1% per year, which means it is well ahead of earnings.
Reported Earnings • Aug 02Second quarter 2022 earnings releasedSecond quarter 2022 results: Revenue: ر.ع34.2m (up 14% from 2Q 2021). Net income: ر.ع1.08m (down 50% from 2Q 2021). Profit margin: 3.2% (down from 7.1% in 2Q 2021). The decrease in margin was driven by higher expenses. Over the last 3 years on average, earnings per share has fallen by 13% per year but the company’s share price has increased by 5% per year, which means it is well ahead of earnings.
공고 • Jul 09National Life and General Insurance Company SAOG (MSM:NLIF) completed the acquisition of Royal & Sun Alliance Insurance (Middle East) BSC (c) from RSA Insurance Group LimitedNational Life and General Insurance Company SAOG (MSM:NLIF) agreed to acquire Royal & Sun Alliance Insurance (Middle East) BSC (c) from RSA Insurance Group Limited on April 4, 2022. The transaction is subject to approvals from the respective regulators and NLGIC’s shareholders. The transaction is expected to complete by the end of Q3 2022. Clyde & Co L L P is acting as legal adviser to Intact Financial Corporation and RSA. National Life and General Insurance Company SAOG (MSM:NLIF) completed the acquisition of Royal & Sun Alliance Insurance (Middle East) BSC (c) from RSA Insurance Group Limited on July 7, 2022.
공고 • Jul 08National Life and General Insurance Company SAOG, Annual General Meeting, Jul 24, 2022National Life and General Insurance Company SAOG, Annual General Meeting, Jul 24, 2022, at 17:00 Indian Standard Time. Agenda: To consider board changes.
Board Change • Apr 27Less than half of directors are independentFollowing the recent departure of a director, there are only 3 independent directors on the board. The company's board is composed of: 3 independent directors. 4 non-independent directors. Independent Director Mohammed Ali Al Qassabi was the last independent director to join the board, commencing their role in 2021. The company's minority of independent directors is a risk according to the Simply Wall St Risk Model.
공고 • Apr 06National Life and General Insurance Company SAOG (MSM:NLIF) agreed to acquire Royal & Sun Alliance Insurance (Middle East) BSC (c) from Sun Alliance Insurance Overseas Limited and others.National Life and General Insurance Company SAOG (MSM:NLIF) agreed to acquire Royal & Sun Alliance Insurance (Middle East) BSC (c) from Sun Alliance Insurance Overseas Limited and others on April 4, 2022. The transaction is subject to approvals from the respective regulators and NLGIC’s shareholders. The transaction is expected to complete by the end of Q3 2022. Clyde & Co LLP – Dubai office is acting as legal adviser to Intact Financial Corporation and RSA.
Reported Earnings • Mar 16Full year 2021 earnings: Revenues and EPS in line with analyst expectationsFull year 2021 results: EPS: ر.ع0.027 (down from ر.ع0.057 in FY 2020). Revenue: ر.ع123.2m (up 1.0% from FY 2020). Net income: ر.ع7.04m (down 53% from FY 2020). Profit margin: 5.7% (down from 12% in FY 2020). The decrease in margin was driven by higher expenses. Revenue was in line with analyst estimates. Over the last 3 years on average, earnings per share has increased by 3% per year whereas the company’s share price has increased by 5% per year.
Reported Earnings • Jul 18Second quarter 2021 earnings released: EPS ر.ع0.008 (vs ر.ع0.032 in 2Q 2020)The company reported a poor second quarter result with weaker earnings, revenues and profit margins. Second quarter 2021 results: Revenue: ر.ع27.7m (down 9.2% from 2Q 2020). Net income: ر.ع2.14m (down 75% from 2Q 2020). Profit margin: 7.7% (down from 28% in 2Q 2020). The decrease in margin was primarily driven by higher expenses. Over the last 3 years on average, earnings per share has increased by 19% per year but the company’s share price has only increased by 7% per year, which means it is significantly lagging earnings growth.
Reported Earnings • Apr 17First quarter 2021 earnings released: EPS ر.ع0.01 (vs ر.ع0.009 in 1Q 2020)The company reported a decent first quarter result with improved earnings and profit margins, although revenues were weaker. First quarter 2021 results: Revenue: ر.ع31.8m (down 1.3% from 1Q 2020). Net income: ر.ع2.71m (up 15% from 1Q 2020). Profit margin: 8.5% (up from 7.3% in 1Q 2020). The increase in margin was driven by lower expenses. Over the last 3 years on average, earnings per share has increased by 25% per year but the company’s share price has only increased by 4% per year, which means it is significantly lagging earnings growth.
Reported Earnings • Mar 05Full year 2020 earnings released: EPS ر.ع0.057 (vs ر.ع0.038 in FY 2019)The company reported a strong full year result with improved earnings, revenues and profit margins. Full year 2020 results: Revenue: ر.ع122.0m (up 5.0% from FY 2019). Net income: ر.ع15.0m (up 47% from FY 2019). Profit margin: 12% (up from 8.8% in FY 2019). Over the last 3 years on average, earnings per share has increased by 23% per year but the company’s share price has only increased by 7% per year, which means it is significantly lagging earnings growth.
Is New 90 Day High Low • Feb 12New 90-day high: ر.ع0.37The company is up 1.0% from its price of ر.ع0.36 on 12 November 2020. The Omani market is down 2.0% over the last 90 days, indicating the company outperformed over that time. It also outperformed the Insurance industry, which is down 1.0% over the same period.
Reported Earnings • Jan 19Full year 2020 earnings released: EPS ر.ع0.057The company reported a strong full year result with improved earnings, revenues and profit margins. Full year 2020 results: Revenue: ر.ع118.4m (up 1.9% from FY 2019). Net income: ر.ع15.0m (up 47% from FY 2019). Profit margin: 13% (up from 8.8% in FY 2019). The increase in margin was primarily driven by lower expenses. Over the last 3 years on average, earnings per share has increased by 23% per year but the company’s share price has only increased by 3% per year, which means it is significantly lagging earnings growth.
Is New 90 Day High Low • Nov 02New 90-day high: ر.ع0.36The company is up 14% from its price of ر.ع0.32 on 29 July 2020. The Omani market is flat over the last 90 days, indicating the company outperformed over that time. It also outperformed the Insurance industry, which is up 5.0% over the same period.
Reported Earnings • Oct 17Third quarter earnings releasedOver the last 12 months the company has reported total profits of ر.ع16.9m, up 80% from the prior year. Total revenue was ر.ع125.7m over the last 12 months, up 16% from the prior year.
Is New 90 Day High Low • Oct 05New 90-day high: ر.ع0.34The company is up 6.0% from its price of ر.ع0.32 on 07 July 2020. The Omani market is up 2.0% over the last 90 days, indicating the company outperformed over that time. It also outperformed the Insurance industry, which is up 3.0% over the same period.
