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STOCK COMPARISON

Gulf Union Cooperative Insurance vs McDonald’s: Fair Value & Quality

Both stocks run through our valuation models. Here is how Gulf Union Cooperative Insurance (8120) and McDonald’s (MCD) compare, as of Sep 6, 2026.

As of Sep 6, 2026, Fair Value Calculator sees Gulf Union Cooperative Insurance as the more attractively valued of the two: Gulf Union Cooperative Insurance trades at SAR 14.50 versus a fair value of SAR 21.16 (+46%), while McDonald’s trades at $256 versus $149 (-42%).
Gulf Union Cooperative Insurance
8120.SR · SAR · Financials
+46%
upside to fair value
undervalued
PriceSAR 14.50
Fair ValueSAR 21.16
Quality45/100
McDonald’s
MCD · USD · Consumer Discretionary
-42%
upside to fair value
overvalued
Price$256
Fair Value$149
Quality69/100
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Head-to-head numbers

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

Gulf Union Cooperative InsuranceMcDonald’s
Valuation
—P/E (TTM)21.2×
0.18×P/S (TTM)7.11×
0.29×P/B—
—EV/EBITDA15.8×
—PEG2.56×
+45.9%Fair value upside−41.7%
—Dividend yield2.8%
—Dividend per share$7.26
Profitability
3%Operating margin44%
—EBIT margin trend (5Y)1.21×
-7%Return on equity—
-2%Return on assets14%
Growth
-4%Revenue growth (YoY)9%
35.5%Avg. growth/yr (3Y)5.1%
18.0%Avg. growth/yr (5Y)7.0%
—Value creation/yr+11.5%
Balance & size
165.0×Interest coverage (EBIT/interest)7.8×
$165MMarket cap$195B
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.

Gulf Union Cooperative Insurance leads: 4 to 3 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.

Gulf Union Cooperative Insuranceof which business quality 47 · market factors 72 McDonald’sof which business quality 65 · market factors 41
ProfitabilityMargins and returns on capital today
34
64
Quality GrowthAre margins and returns improving?
65
46
CashflowEarnings quality: real cash, not paper profit
13
76
Fin. StrengthBalance sheet, leverage, solvency risk
72
53
InvestmentDisciplined investing over empire-building
63
57
Low VolatilityCalm price path (market factor)
80
96
MomentumPrice trend over the last 3–12 months (market factor)
68
24
52W MomentumDistance to the 52-week high (market factor)
69
7
Net IssuanceBuybacks instead of dilution
50
91

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 familyGulf Union Cooperative InsurancePrice SAR 14.50McDonald’sPrice $256
DCF Modelsn/a-54%below the price$117
Earnings-Based-42%below the priceSAR 8.36-60%below the price$102
Dividend Discountn/a-62%below the price$98.39
Multiples+47%above the priceSAR 21.32-12%close to the price$225
Asset-Based-43%below the priceSAR 8.31n/a
Growth DCFn/a-77%below the price$58.72
Economic Profit-42%below the priceSAR 8.36-56%below the price$113
Growth Earningsn/a-18%below the price$209
Minimum-43%below the priceSAR 8.31-77%below the price$58.72
Maximum+47%above the priceSAR 21.32-12%close to the price$225
Median-42%below the priceSAR 8.36-56%below the price$113
Geometric mean-27%below the priceSAR 10.55-53%below the price$121

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%.

Gulf Union Cooperative Insurance: 3 of 6 models see the stock below the current price.

McDonald’s: 19 of 21 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.

Gulf Union Cooperative Insurance
Bear SAR 15.43Fair Value SAR 21.16Bull SAR 26.20
SAR 14.50 = current price (white tick)
McDonald’s
Bear $98.03Fair Value $149Bull $233
$256 = current price (white tick)

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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.

Gulf Union Cooperative Insurance · Financials

Quality score45 · bottom 25%
Fair value upside+46% · Top 25%

McDonald’s · Consumer Discretionary

Quality score69 · Top 25%
Fair value upside-42% · below median

Bottom line

As of Sep 6, 2026, Fair Value Calculator sees Gulf Union Cooperative Insurance as the more attractively valued of the two: Gulf Union Cooperative Insurance trades at SAR 14.50 versus a fair value of SAR 21.16 (+46%), while McDonald’s trades at $256 versus $149 (-42%).

McDonald’s has the higher quality score (69/100).

See the full analysis →
Gulf Union Cooperative Insurance · McDonald’s

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