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STOCK COMPARISON

CHUBB Arabia Cooperative Insurance vs Allianz SE VNA O.N.: Fair Value & Quality

Both stocks run through our valuation models. Here is how CHUBB Arabia Cooperative Insurance (8240) and Allianz SE VNA O.N. (ALV) compare, as of Sep 25, 2026.

As of Sep 25, 2026, Fair Value Calculator sees Allianz SE VNA O.N. as the less overvalued of the two: CHUBB Arabia Cooperative Insurance trades at SAR 16.71 versus a fair value of SAR 6.06 (-64%), while Allianz SE VNA O.N. trades at €419 versus €242 (-42%).
CHUBB Arabia Cooperative Insurance
8240.SR · SAR · Financials
-64%
upside to fair value
overvalued
PriceSAR 16.71
Fair ValueSAR 6.06
Quality52/100
Allianz SE VNA O.N.
ALV.XETRA · EUR · Financials
-42%
upside to fair value
overvalued
Price€419
Fair Value€242
Quality63/100
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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

CHUBB Arabia Cooperative InsuranceAllianz SE VNA O.N.
Valuation
61.9×P/E (TTM)13.5×
0.42×P/S (TTM)1.56×
0.37×P/B2.86×
8.9×EV/EBITDA9.3×
n/aPEG2.93×
−63.7%Fair value upside−42.2%
n/aDividend yield4.0%
n/aDividend per share€17.10
Profitability
5%Operating margin19%
0.41×EBIT margin trend (5Y)0.61×
2%Return on equity19%
1%Return on assets1%
Growth
6%Revenue growth (YoY)9%
44.9%Avg. growth/yr (3Y)3.1%
28.7%Avg. growth/yr (5Y)3.0%
−11.9%Value creation/yr+15.7%
Balance & size
94.6×Interest coverage (EBIT/interest)20.4×
n/aDebt / equity0.52×
$175MMarket cap$180B
mixedGrowth qualitymixed

CHUBB Arabia Cooperative Insurance leads: 6 to 5 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.

CHUBB Arabia Cooperative Insuranceof which business quality 55 · market factors 25 Allianz SE VNA O.N.of which business quality 54 · market factors 72
ProfitabilityMargins and returns on capital today
39
30
Quality GrowthAre margins and returns improving?
68
46
CashflowEarnings quality: real cash, not paper profit
65
94
Fin. StrengthBalance sheet, leverage, solvency risk
75
10
InvestmentDisciplined investing over empire-building
84
87
Low VolatilityCalm price path (market factor)
48
90
MomentumPrice trend over the last 3–12 months (market factor)
24
64
52W MomentumDistance to the 52-week high (market factor)
2
67
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 familyCHUBB Arabia Cooperative InsurancePrice SAR 16.71Allianz SE VNA O.N.Price €419
Dividend Discountn/a-50%below the price€208
Multiples-76%below the priceSAR 3.98-28%below the price€300
Asset-Based-52%below the priceSAR 7.99-74%below the price€111
Economic Profit-59%below the priceSAR 6.93-45%below the price€230
Minimum-76%below the priceSAR 3.98-74%below the price€111
Maximum-52%below the priceSAR 7.99-28%below the price€300
Median-59%below the priceSAR 6.93-48%below the price€219
Geometric mean-64%below the priceSAR 6.04-52%below the price€200

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%.

CHUBB Arabia Cooperative Insurance: 4 of 4 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.

Allianz SE VNA O.N.
Price €419
Fair Value €242
Bear €194Bull €333

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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.

CHUBB Arabia Cooperative Insurance · Financials

Quality score52 · below median
Fair value upside-64% · bottom 25%

Allianz SE VNA O.N. · Financials

Quality score63 · Top 25%
Fair value upside-42% · bottom 25%

Bottom line

As of Sep 25, 2026, Fair Value Calculator sees Allianz SE VNA O.N. as the less overvalued of the two: CHUBB Arabia Cooperative Insurance trades at SAR 16.71 versus a fair value of SAR 6.06 (-64%), while Allianz SE VNA O.N. trades at €419 versus €242 (-42%).

Allianz SE VNA O.N. has the higher quality score (63/100).

Open Allianz SE VNA O.N. live analysis →
CHUBB Arabia Cooperative Insurance · Allianz SE VNA O.N.

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