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STOCK COMPARISON

Al Sagr Co-operative Insurance vs Progressive: Fair Value & Quality

Both stocks run through our valuation models. Here is how Al Sagr Co-operative Insurance (8180) and Progressive (PGR) compare, as of Sep 14, 2026.

As of Sep 14, 2026, Fair Value Calculator sees Progressive as the less overvalued of the two: Al Sagr Co-operative Insurance trades at SAR 11.01 versus a fair value of SAR 5.87 (-47%), while Progressive trades at $218 versus $160 (-26%).
Al Sagr Co-operative Insurance
8180.SR · SAR · Financials
-47%
upside to fair value
overvalued
PriceSAR 11.01
Fair ValueSAR 5.87
Quality41/100
Progressive
PGR · USD · Financials
-26%
upside to fair value
overvalued
Price$218
Fair Value$160
Quality65/100
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Head-to-head numbers

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

Al Sagr Co-operative InsuranceProgressive
Valuation
P/E (TTM)11.7×
0.13×P/S (TTM)1.50×
0.24×P/B4.43×
EV/EBITDA9.3×
PEG35.19×
−46.7%Fair value upside−26.4%
Dividend yield0.2%
Dividend per share$0.40
Profitability
1%Operating margin16%
EBIT margin trend (5Y)0.96×
-14%Return on equity38%
-5%Return on assets8%
Growth
-2%Revenue growth (YoY)9%
15.0%Avg. growth/yr (3Y)20.9%
9.3%Avg. growth/yr (5Y)15.5%
Value creation/yr+33.4%
Balance & size
Interest coverage (EBIT/interest)51.2×
Debt / equity0.23×
$82MMarket cap$134B
expensiveGrowth qualitymixed

Progressive leads: 2 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.

Al Sagr Co-operative Insuranceof which business quality 45 · market factors 47 Progressiveof which business quality 64 · market factors 55
ProfitabilityMargins and returns on capital today
34
61
Quality GrowthAre margins and returns improving?
60
64
CashflowEarnings quality: real cash, not paper profit
18
81
Fin. StrengthBalance sheet, leverage, solvency risk
92
54
InvestmentDisciplined investing over empire-building
67
37
Low VolatilityCalm price path (market factor)
81
87
MomentumPrice trend over the last 3–12 months (market factor)
39
42
52W MomentumDistance to the 52-week high (market factor)
24
42
Net IssuanceShare count: buybacks or dilution?
0
81

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 familyAl Sagr Co-operative InsurancePrice SAR 11.01ProgressivePrice $218
Multiplesn/a-25%below the price$163
Asset-Based-31%below the priceSAR 7.64-84%below the price$34.90
Economic Profitn/a-3%close to the price$211
Minimum-31%below the priceSAR 7.64-84%below the price$34.90
Maximum-31%below the priceSAR 7.64-3%close to the price$211
Median-31%below the priceSAR 7.64-25%below the price$163
Geometric mean-31%below the priceSAR 7.64-51%below the price$106

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%.

Al Sagr Co-operative Insurance: 1 of 1 models see the stock below the current price.

Progressive: 3 of 4 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.

Al Sagr Co-operative Insurance
Price SAR 11.01
Fair Value SAR 5.87
Bear SAR 4.38Bull SAR 8.75
Progressive
Price $218
Fair Value $160
Bear $120Bull $200

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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.

Al Sagr Co-operative Insurance · Financials

Quality score41 · bottom 25%
Fair value upside-47% · bottom 25%

Progressive · Financials

Quality score65 · Top 25%
Fair value upside-26% · below median

Bottom line

As of Sep 14, 2026, Fair Value Calculator sees Progressive as the less overvalued of the two: Al Sagr Co-operative Insurance trades at SAR 11.01 versus a fair value of SAR 5.87 (-47%), while Progressive trades at $218 versus $160 (-26%).

Progressive has the higher quality score (65/100).

See the full analysis →

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