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STOCK COMPARISON

Arabia Insurance Cooperative vs New Oriental Education & Technology: Fair Value & Quality

Both stocks run through our valuation models. Here is how Arabia Insurance Cooperative (8160) and New Oriental Education & Technology (EDU) compare, as of Sep 6, 2026.

As of Sep 6, 2026, Fair Value Calculator sees Arabia Insurance Cooperative as the more attractively valued of the two: Arabia Insurance Cooperative trades at SAR 8.79 versus a fair value of SAR 17.58 (+100%), while New Oriental Education & Technology trades at $59.51 versus $48.37 (-19%).
Arabia Insurance Cooperative
8160.SR · SAR · Financials
+100%
upside to fair value
undervalued
PriceSAR 8.79
Fair ValueSAR 17.58
Quality51/100
New Oriental Education & Technology
EDU · USD · Consumer Discretionary
-19%
upside to fair value
overvalued
Price$59.51
Fair Value$48.37
Quality74/100
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Head-to-head numbers

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

Arabia Insurance CooperativeNew Oriental Education & Technology
Valuation
P/E (TTM)16.7×
0.15×P/S (TTM)1.40×
0.20×P/B2.05×
EV/EBITDA7.5×
PEG0.77×
+100.0%Fair value upside−18.7%
Dividend yield2.0%
Dividend per share$1.20
Profitability
-6%Operating margin13%
EBIT margin trend (5Y)0.78×
-11%Return on equity11%
-2%Return on assets5%
Growth
65%Revenue growth (YoY)20%
24.7%Avg. growth/yr (3Y)16.4%
27.7%Avg. growth/yr (5Y)6.5%
Value creation/yr+3.9%
Balance & size
Interest coverage (EBIT/interest)1,377.0×
Debt / equity0.00×
$115MMarket cap$8B
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.

Even match: 3 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.

Arabia Insurance Cooperativeof which business quality 56 · market factors 47 New Oriental Education & Technologyof which business quality 72 · market factors 70
ProfitabilityMargins and returns on capital today
31
46
Quality GrowthAre margins and returns improving?
60
64
CashflowEarnings quality: real cash, not paper profit
72
72
Fin. StrengthBalance sheet, leverage, solvency risk
67
83
InvestmentDisciplined investing over empire-building
67
79
Low VolatilityCalm price path (market factor)
91
75
MomentumPrice trend over the last 3–12 months (market factor)
33
66
52W MomentumDistance to the 52-week high (market factor)
18
71
Net IssuanceBuybacks instead of dilution
39
99

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 familyArabia Insurance CooperativePrice SAR 8.79New Oriental Education & TechnologyPrice $59.51
DCF Models+442%above the priceSAR 47.63+47%above the price$87.50
Earnings-Basedn/a-24%below the price$45.35
Dividend Discountn/a-83%below the price$10.07
Multiples+265%above the priceSAR 32.06-19%below the price$48.26
Asset-Based-18%below the priceSAR 7.22-74%below the price$15.42
Growth DCF+490%above the priceSAR 51.86+60%above the price$95.48
Economic Profitn/a-50%below the price$29.48
Growth Earningsn/a+7%close to the price$63.95
Minimum-18%below the priceSAR 7.22-83%below the price$10.07
Maximum+490%above the priceSAR 51.86+60%above the price$95.48
Median+353%above the priceSAR 39.85-21%below the price$46.80
Geometric mean+213%above the priceSAR 27.50-34%below the price$39.00

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%.

Arabia Insurance Cooperative: 1 of 7 models see the stock below the current price.

New Oriental Education & Technology: 14 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.

Arabia Insurance Cooperative
Bear SAR 12.72Fair Value SAR 17.58Bull SAR 22.43
SAR 8.79 = current price (white tick)
New Oriental Education & Technology
Bear $37.55Fair Value $48.37Bull $59.20
$59.51 = 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.

Arabia Insurance Cooperative · Financials

Quality score51 · below median
Fair value upside+100% · Top 25%

New Oriental Education & Technology · Consumer Discretionary

Quality score74 · Top 25%
Fair value upside-19% · below median

Bottom line

As of Sep 6, 2026, Fair Value Calculator sees Arabia Insurance Cooperative as the more attractively valued of the two: Arabia Insurance Cooperative trades at SAR 8.79 versus a fair value of SAR 17.58 (+100%), while New Oriental Education & Technology trades at $59.51 versus $48.37 (-19%).

New Oriental Education & Technology has the higher quality score (74/100).

See the full analysis →

More comparisons

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