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Analyses on Libra (5)
- May 28, 2026May 28, 2026
- Follow-up
Libra's Life Engine Is Growing on a Retained Basis, but Capital Is Already Taking a Cut
Libra's life engine moved in the right direction in the first quarter: retained CSM grew faster than gross CSM and net release into profit increased. But new life activity is already carrying a capital cost, so the next important measure is not just CSM size but its contribution…
Libra in the First Quarter: Profit Broadens Beyond Motor, but Capital Sets the Pace
The first quarter strengthens Libra: the profit base is already broader than comprehensive and third-party motor, but moving into growth through life insurance and a recurring dividend requires more capital and more convincing cash flow.
- March 31, 2026March 31, 2026
- Follow-up
Libra Follow-Up: Was 2025 An Unusually Favorable Motor Year Or A New Underwriting Base
Libra's motor underwriting is more real than before, but the conservative earnings base looks closer to the fourth quarter than to the full-year 78% to 75% combined-ratio level.
- Follow-up
Libra Follow-Up: How Much Of The Life Engine Actually Reaches Shareholders
Libra’s life engine is growing fast, but the number shareholders should read is retained CSM rather than gross CSM. At the end of 2025 gross CSM stood at NIS 30.9 million, yet only NIS 15.0 million remained with Libra after held reinsurance, and only about NIS 2.9 million of tha…
Libra 2025: The Profit Is Real, but the Next Test Is Moving Beyond Motor
Libra ended 2025 with real and strong motor underwriting profit, but the life engine is still too small to free the story from near-total dependence on private motor.
