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STOCK COMPARISON

Gulf General Cooperative Insurance vs Progressive: Fair Value & Quality

Both stocks run through our valuation models. Here is how Gulf General Cooperative Insurance (8260) and Progressive (PGR) compare, as of Sep 14, 2026.

As of Sep 14, 2026, Fair Value Calculator sees Gulf General Cooperative Insurance as the less overvalued of the two: Gulf General Cooperative Insurance trades at SAR 3.97 versus a fair value of SAR 3.46 (-13%), while Progressive trades at $218 versus $160 (-26%).
Gulf General Cooperative Insurance
8260.SR · SAR · Financials
-13%
upside to fair value
overvalued
PriceSAR 3.97
Fair ValueSAR 3.46
Quality48/100
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).

Gulf General Cooperative InsuranceProgressive
Valuation
P/E (TTM)11.7×
0.09×P/S (TTM)1.50×
0.18×P/B4.43×
EV/EBITDA9.3×
PEG35.19×
−12.8%Fair value upside−26.4%
Dividend yield0.2%
Dividend per share$0.40
Profitability
-15%Operating margin16%
EBIT margin trend (5Y)0.96×
-63%Return on equity38%
-19%Return on assets8%
Growth
-13%Revenue growth (YoY)9%
-5.2%Avg. growth/yr (3Y)20.9%
6.4%Avg. growth/yr (5Y)15.5%
Value creation/yr+33.4%
Balance & size
Interest coverage (EBIT/interest)51.2×
Debt / equity0.23×
$30MMarket cap$134B
weakGrowth qualitymixed

Progressive leads: 3 to 5 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 General Cooperative Insuranceof which business quality 48 · market factors 46 Progressiveof which business quality 64 · market factors 55
ProfitabilityMargins and returns on capital today
34
61
Quality GrowthAre margins and returns improving?
35
64
CashflowEarnings quality: real cash, not paper profit
12
81
Fin. StrengthBalance sheet, leverage, solvency risk
59
54
InvestmentDisciplined investing over empire-building
100
37
Low VolatilityCalm price path (market factor)
80
87
MomentumPrice trend over the last 3–12 months (market factor)
39
42
52W MomentumDistance to the 52-week high (market factor)
20
42
Net IssuanceShare count: buybacks or dilution?
82
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 familyGulf General Cooperative InsurancePrice SAR 3.97ProgressivePrice $218
Multiplesn/a-25%below the price$163
Asset-Based-7%close to the priceSAR 3.69-84%below the price$34.90
Economic Profitn/a-3%close to the price$211
Minimum-7%close to the priceSAR 3.69-84%below the price$34.90
Maximum-7%close to the priceSAR 3.69-3%close to the price$211
Median-7%close to the priceSAR 3.69-25%below the price$163
Geometric mean-7%close to the priceSAR 3.69-51%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%.

Gulf General Cooperative 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.

Gulf General Cooperative Insurance
Price SAR 3.97
Fair Value SAR 3.46
Bear SAR 2.59Bull SAR 5.17
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.

Gulf General Cooperative Insurance · Financials

Quality score48 · below median
Fair value upside-13% · below median

Progressive · Financials

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

Bottom line

As of Sep 14, 2026, Fair Value Calculator sees Gulf General Cooperative Insurance as the less overvalued of the two: Gulf General Cooperative Insurance trades at SAR 3.97 versus a fair value of SAR 3.46 (-13%), while Progressive trades at $218 versus $160 (-26%).

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

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.