EN DE
STOCK COMPARISON

Saudi Arabian Cooperative Insurance vs SAP: Fair Value & Quality

Both stocks run through our valuation models. Here is how Saudi Arabian Cooperative Insurance (8100) and SAP (SAP) compare, as of Sep 6, 2026.

As of Sep 6, 2026, Fair Value Calculator sees Saudi Arabian Cooperative Insurance as the less overvalued of the two: Saudi Arabian Cooperative Insurance trades at SAR 10.99 versus a fair value of SAR 10.86 (-1%), while SAP trades at €186 versus €170 (-9%).
Saudi Arabian Cooperative Insurance
8100.SR · SAR · Financials
-1%
upside to fair value
fairly valued
PriceSAR 10.99
Fair ValueSAR 10.86
Quality46/100
SAP
SAP.XETRA · EUR · Information Technology
-9%
upside to fair value
fairly valued
Price€186
Fair Value€170
Quality81/100
Get comparisons like this free by email every month: the most undervalued quality stocks.

Head-to-head numbers

Green value = the better side for that row (for valuation multiples: lower = cheaper).

Saudi Arabian Cooperative InsuranceSAP
Valuation
15.5×P/E (TTM)22.1×
0.10×P/S (TTM)5.01×
0.19×P/B4.18×
—EV/EBITDA15.8×
—PEG1.37×
−1.2%Fair value upside−8.7%
—Dividend yield1.3%
—Dividend per share€2.50
Profitability
5%Operating margin30%
0.24×EBIT margin trend (5Y)1.16×
5%Return on equity16%
1%Return on assets9%
Growth
50%Revenue growth (YoY)6%
19.7%Avg. growth/yr (3Y)6.0%
15.7%Avg. growth/yr (5Y)6.1%
−14.1%Value creation/yr+8.8%
Balance & size
3.9×Interest coverage (EBIT/interest)7.5×
—Debt / equity0.09×
$80MMarket cap$187B
mixedGrowth qualityhealthy
Valuation multiples (P/E, P/S, P/B, EV/EBITDA) are shown but not scored here: the two companies sit in different sectors, and multiples only compare fairly between similar business models. PEG stays scored, as it relates the P/E to growth.

SAP leads: 3 to 6 metric wins.

Dash = 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.

Saudi Arabian Cooperative Insuranceof which business quality 44 · market factors 46 SAPof which business quality 78 · market factors 45
ProfitabilityMargins and returns on capital today
41
62
Quality GrowthAre margins and returns improving?
67
76
CashflowEarnings quality: real cash, not paper profit
24
80
Fin. StrengthBalance sheet, leverage, solvency risk
27
79
InvestmentDisciplined investing over empire-building
46
94
Low VolatilityCalm price path (market factor)
80
61
MomentumPrice trend over the last 3–12 months (market factor)
36
43
52W MomentumDistance to the 52-week high (market factor)
24
28
Net IssuanceBuybacks instead of dilution
82
84

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 familySaudi Arabian Cooperative InsurancePrice SAR 10.99SAPPrice €186
DCF Modelsn/a-20%below the price€149
Earnings-Basedn/a-68%below the price€60.32
Dividend Discountn/a-78%below the price€41.03
Multiples+1%close to the priceSAR 11.09-21%below the price€147
Asset-Based-16%below the priceSAR 9.27-86%below the price€25.68
Growth DCFn/a-30%below the price€131
Economic Profit-15%close to the priceSAR 9.39-62%below the price€69.81
Growth Earningsn/a-16%below the price€156
Minimum-16%below the priceSAR 9.27-86%below the price€25.68
Maximum+1%close to the priceSAR 11.09-16%below the price€156
Median-15%close to the priceSAR 9.39-46%below the price€100
Geometric mean-10%close to the priceSAR 9.88-56%below the price€81.68

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%.

Saudi Arabian Cooperative Insurance: 3 of 4 models see the stock below the current price.

SAP: 24 of 26 models see the stock below the current price.

Scenario ranges

From our cautious bear case to the optimistic bull case. The white tick is the current price: left of fair value means room to run.

Saudi Arabian Cooperative Insurance
Bear SAR 8.15Fair Value SAR 10.86Bull SAR 13.57
SAR 10.99 = current price (white tick)
SAP
Bear €104Fair Value €170Bull €220
€186 = current price (white tick)

Compare two other stocks

Tap a field and type again, ticker or company name.

Free, no sign-up

Ranked within their sector

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

Saudi Arabian Cooperative Insurance · Financials

Quality score46 · bottom 25%
Fair value upside-1% · above median

SAP · Information Technology

Quality score81 · Top 25%
Fair value upside-9% · above median

Bottom line

As of Sep 6, 2026, Fair Value Calculator sees Saudi Arabian Cooperative Insurance as the less overvalued of the two: Saudi Arabian Cooperative Insurance trades at SAR 10.99 versus a fair value of SAR 10.86 (-1%), while SAP trades at €186 versus €170 (-9%).

SAP has the higher quality score (81/100).

See the full analysis →
Saudi Arabian Cooperative Insurance · SAP

More comparisons

Popular match-ups from the same sectors, all with fair value and quality score.

Related to Saudi Arabian Cooperative Insurance

Alphabet Inc Class C vs Verizon CommunicationsAlphabet Inc Class C vs At&tAlphabet Inc Class C vs NetEaseAmazon.com vs PDD Holdings

Related to SAP

Amazon.com vs Sony GroupMeta Platforms vs Verizon CommunicationsMeta Platforms vs At&tMeta Platforms vs NetEase
Free · Top-25 report

See the undervalued quality stocks every month

Just your email for the monthly Top-25 report of the most undervalued quality stocks, with fair value, quality and price target. Plus 14 days of Pro to try, no card.

Free. You confirm by email (double opt-in) and can unsubscribe anytime in one click. Not financial advice.

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