Stock LIVA LIVA GROUP SAOG
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Financials Liva Group SAOG

Equities

LIVA

OM0000007043

Multiline Insurance & Brokers

End-of-day quote Muscat Exchange
Other stock markets
 06:00:00 2024-04-28 pm EDT 		5-day change 1st Jan Change
0.335 OMR 0.00% Intraday chart for Liva Group SAOG 0.00% 0.00%
Mar. 10 Liva Group SAOG Announces Board Changes CI
Mar. 04 Liva Group SAOG Reports Earnings Results for the Full Year Ended December 31, 2023 CI

Valuation

Fiscal Period: December 2018 2019 2020 2021 2022 2023
Capitalization 1 84.8 81.62 91.16 90.1 135.4 133.5
Enterprise Value (EV) 1 66.98 64.62 80.93 83.17 166.1 152.6
P/E ratio 9.11 x 8 x 6.07 x 12.1 x 37.8 x 23.2 x
Yield 6.25% 8.12% 10.2% - - -
Capitalization / Revenue 0.92 x 0.7 x 0.75 x 0.71 x 0.69 x 0.49 x
EV / Revenue 0.72 x 0.56 x 0.66 x 0.65 x 0.85 x 0.57 x
EV / EBITDA 5.86 x 5.12 x 4.34 x 8.53 x 22.2 x 13.4 x
EV / FCF 5.45 x 5 x 4.71 x 11.1 x 2.41 x -6.14 x
FCF Yield 18.3% 20% 21.2% 8.97% 41.5% -16.3%
Price to Book 1.58 x 1.39 x 1.35 x 1.36 x 1.24 x 1.24 x
Nbr of stocks (in thousands) 265,000 265,000 265,000 265,000 398,374 398,374
Reference price 2 0.3200 0.3080 0.3440 0.3400 0.3400 0.3350
Announcement Date 3/3/19 2/27/20 2/28/21 3/14/22 3/5/23 3/4/24
1OMR in Million2OMR
Estimates

Income Statement Evolution (Annual data)

Fiscal Period: December 2018 2019 2020 2021 2022 2023
Net sales 1 92.47 116.2 122 127 195.1 270.1
EBITDA 1 11.44 12.61 18.66 9.753 7.465 11.38
EBIT 1 10.75 11.69 17.68 8.75 5.66 9.18
Operating Margin 11.63% 10.06% 14.5% 6.89% 2.9% 3.4%
Earnings before Tax (EBT) 1 10.91 11.68 17.53 8.646 4.029 7.501
Net income 1 9.305 10.2 15.01 7.474 3.108 5.761
Net margin 10.06% 8.78% 12.3% 5.89% 1.59% 2.13%
EPS 2 0.0351 0.0385 0.0566 0.0282 0.009000 0.0145
Free Cash Flow 1 12.29 12.93 17.18 7.462 68.98 -24.88
FCF margin 13.29% 11.13% 14.09% 5.88% 35.36% -9.21%
FCF Conversion (EBITDA) 107.43% 102.55% 92.08% 76.51% 924.01% -
FCF Conversion (Net income) 132.06% 126.76% 114.49% 99.85% 2,219.59% -
Dividend per Share 2 0.0200 0.0250 0.0350 - - -
Announcement Date 3/3/19 2/27/20 2/28/21 3/14/22 3/5/23 3/4/24
1OMR in Million2OMR
Estimates

Balance Sheet Analysis

Fiscal Period: December 2018 2019 2020 2021 2022 2023
Net Debt 1 - - - - 30.6 19.2
Net Cash position 1 17.8 17 10.2 6.93 - -
Leverage (Debt/EBITDA) - - - - 4.099 x 1.685 x
Free Cash Flow 1 12.3 12.9 17.2 7.46 69 -24.9
ROE (net income / shareholders' equity) 18% 18.1% 23.8% 11.2% 3.22% 5.28%
ROA (Net income/ Total Assets) 4.43% 4.1% 6.09% 2.95% 1.05% 1.46%
Assets 1 209.9 248.8 246.2 253.7 296 394.8
Book Value Per Share 2 0.2000 0.2200 0.2500 0.2500 0.2700 0.2700
Cash Flow per Share 2 0.0700 0.0700 0.0400 0.0500 0.1200 0.1400
Capex 1 3.73 2.08 1.14 0.75 1.51 2.02
Capex / Sales 4.03% 1.79% 0.93% 0.59% 0.77% 0.75%
Announcement Date 3/3/19 2/27/20 2/28/21 3/14/22 3/5/23 3/4/24
1OMR in Million2OMR
Estimates

EPS & Dividend

Year-on-year evolution of the PER

Change in Enterprise Value/EBITDA

Analysts' Consensus

Sell
Consensus
Buy
Mean consensus
OUTPERFORM
Number of Analysts
1
Last Close Price
0.335 OMR
Average target price
0.38 OMR
Spread / Average Target
+13.43%
Consensus

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