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STOCK COMPARISON

Walaa Cooperative Insurance Company SJSC vs Allianz SE VNA O.N.: Fair Value & Quality

Both stocks run through our valuation models. Here is how Walaa Cooperative Insurance Company SJSC (8060) and Allianz SE VNA O.N. (ALV) compare, as of Oct 1, 2026.

As of Oct 1, 2026, Fair Value Calculator sees Walaa Cooperative Insurance Company SJSC as the less overvalued of the two: Walaa Cooperative Insurance Company SJSC trades at SAR 10.60 versus a fair value of SAR 8.58 (−19.1%), while Allianz SE VNA O.N. trades at €412 versus €230 (−44.2%).
Walaa Cooperative Insurance Company SJSC
8060.SR · SAR · Financials
−19.1%
upside to fair value
overvalued
PriceSAR 10.60
Fair ValueSAR 8.58
Quality31/100
Allianz SE VNA O.N.
ALV.XETRA · EUR · Financials
−44.2%
upside to fair value
overvalued
Price€412
Fair Value€230
Quality59/100
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Head-to-head numbers

Green is the better side of a row, red the weaker one (for valuation multiples: lower = cheaper). Grey rows are for reference only and are not scored.

betterweakerfor reference, not scored

Walaa Cooperative Insurance Company SJSCAllianz SE VNA O.N.
Valuation
n/aP/E (TTM)13.7×
n/aForward P/E (FY2027)12.3×
n/aMedian P/E at FY-end (10 FY, reported earnings)11.9×
0.28×P/S (TTM)1.32×
0.21×P/B2.51×
n/aEV/EBITDA7.5×
n/aPEG2.94×
−19.1%Fair value upside−44.2%
n/aDividend yield4.2%
n/aDividend per share€17.10
Profitability
11.2%Operating margin13.7%
0.72×EBIT margin trend (5Y)0.61×
-0.8%Return on equity19.6%
0.0%Return on assets1.2%
Growth
-24.6%Revenue growth (YoY)12.1%
32.0%Avg. growth/yr (3Y)3.1%
30.5%Avg. growth/yr (5Y)3.0%
n/aValue creation/yr+15.9%
Balance & size
n/aInterest coverage (EBIT/interest)20.4×
n/aDebt / equity0.52×
$360MMarket cap$178B
expensiveGrowth qualitymixed
Allianz SE VNA O.N., median P/E at fiscal year-end, 10 fiscal years (2016 to 2025), reported earnings: 11.9.
Forward P/E: price divided by the analyst consensus for the first fiscal year that has not started yet. The current year carries special items from quarters already reported.

Walaa Cooperative Insurance Company SJSC leads: 6 to 3 metric wins.

n/a = not meaningfully computable, for example with negative equity.

Quality in detail

The quality score, broken down into the same factor families as on the stock page, 0 to 100 per family.

Walaa Cooperative Insurance Company SJSCof which business quality 35 · market factors 52 Allianz SE VNA O.N.of which business quality 54 · market factors 68
ProfitabilityMargins and returns on capital today
29
30
Quality GrowthAre margins and returns improving?
11
46
CashflowEarnings quality: real cash, not paper profit
33
94
Fin. StrengthBalance sheet, leverage, solvency risk
68
10
InvestmentDisciplined investing over empire-building
66
87
Low VolatilityCalm price path (market factor)
75
90
MomentumPrice trend over the last 3–12 months (market factor)
47
57
52W MomentumDistance to the 52-week high (market factor)
34
61
Net IssuanceShare count: buybacks or dilution?
0
80

What the models say

How far the median fair value (base case) per model family sits from the current price, in percent. The amount in the currency of the trading venue is shown underneath.

above the price, more than 15% above close to the price, 85% to 115% of the price below the price, more than 15% below

Model familyWalaa Cooperative Insurance Company SJSCPrice SAR 10.60Allianz SE VNA O.N.Price €412
Earnings-Based−8.3%close to the priceSAR 9.72n/a
Dividend Discountn/a−49.4%below the price€208
Multiples+77.2%above the priceSAR 18.78−27.1%below the price€300
Asset-Based−16.8%below the priceSAR 8.82−73.1%below the price€111
Economic Profit−8.3%close to the priceSAR 9.72−46.6%below the price€220
Minimum−16.8%below the priceSAR 8.82−73.1%below the price€111
Maximum+77.2%above the priceSAR 18.78−27.1%below the price€300
Median−8.3%close to the priceSAR 9.72−48.0%below the price€214
Geometric mean+5.5%close to the priceSAR 11.18−52.0%below the price€198

Minimum, maximum, median and geometric mean refer to the family values in this table. Geometric because deviations are ratios: half the price and twice the price average to 100%, not 125%.

Walaa Cooperative Insurance Company SJSC: 3 of 6 models see the stock below the current price.

Allianz SE VNA O.N.: 6 of 6 models see the stock below the current price.

Scenario ranges

From our cautious bear scenario to the optimistic bull scenario. The white tick is the current price (value above it), the green tick the fair value (value below it): if the price sits left of the fair value, there is room to rise.

Walaa Cooperative Insurance Company SJSC
Price SAR 10.60
Fair Value SAR 8.58
Bear SAR 7.94Bull SAR 9.11
Allianz SE VNA O.N.
Price €412
Fair Value €230
Bear €190Bull €324

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Ranked within their sector

Where each stock sits within its sector peer group. Band = middle 50% of peers, tick = median, dot = this stock.

Walaa Cooperative Insurance Company SJSC · Financials

Quality score31 · bottom 25%
Fair value upside−19.1% · below median

Allianz SE VNA O.N. · Financials

Quality score59 · above median
Fair value upside−44.2% · bottom 25%

Bottom line

As of Oct 1, 2026, Fair Value Calculator sees Walaa Cooperative Insurance Company SJSC as the less overvalued of the two: Walaa Cooperative Insurance Company SJSC trades at SAR 10.60 versus a fair value of SAR 8.58 (−19.1%), while Allianz SE VNA O.N. trades at €412 versus €230 (−44.2%).

Allianz SE VNA O.N. has the higher quality score (59/100).

Open Walaa Cooperative Insurance Company SJSC live analysis →

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A model-based valuation snapshot from 26 models. Values change with price and fundamentals; the date shown above applies.