8010 Fair Value & Analysis
Financial Services · Market cap 18.4B SAR
Fair value as of: Jul 31, 2026
From 25 valuation models · updated today
Share price −16.7% over the past month.
What matters now
- The price sits above even our optimistic bull case (119.66 SAR). The favourable scenario is already priced in.
- Solid but not exceptional quality (56/100) and above fair value, neither a clear bargain nor a standout compounder.
- For a financial, book-value and earnings-based methods matter more than a cash-flow DCF, which fits banks and insurers poorly.
Price vs Fair Value (12 months)
12‑month range 111.69 SAR – 158.26 SAR · fair‑value band 71.80 SAR – 119.66 SAR · the 122.60 SAR price screens above the 95.73 SAR fair value. As of Jul 31, 2026.
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8010 (8010) currently trades at 122.60 SAR, while our model-based Fair Value estimate is 95.73 SAR, implying the stock looks roughly 21.9% overvalued today. We read business quality at 56/100 (solid quality), in the Financial Services sector. Bear case: priced above our estimate, the market already discounts strong expectations. Bull case: above-average quality can justify a premium, the entry price still matters most (evidence: high).
Over the trailing twelve months, 8010 generated revenue of 20.1B SAR at a net margin of 5.6%. Revenue grew 12.2% year over year. It earns a return on equity of 21.8%. The balance sheet holds a net cash position of 1.6B SAR. Fundamentals as of Jul 31, 2026
Our scenario range runs from 71.80 SAR (bear case) to 119.66 SAR (bull case); at 122.60 SAR, the current price sits above that range. The share trades about 23% below its 52-week high and 11% above its 52-week low, currently below its 200-day average. For context, the median of 10 Financial Services peers we cover trades at 9% fair-value upside, at -22%, 8010 screens richer than that median.
Key figures & financial health
More key figures
Figures from reported company fundamentals · as of Jul 31, 2026. TTM = trailing twelve months.
Quality Score breakdown
Non-valuation factor families (profitability, growth, cashflow, financial strength, momentum …), each academically grounded. Valuation itself sits in the Fair Value and is deliberately excluded here to avoid double-counting.
Revenue & earnings trend
FY2021 – FY2025 · reported fiscal years
8010 reported revenue of 22.2B SAR in FY2025 versus 8.4B SAR in FY2021, a compound +27.6%/yr. Reported net income was 1.1B SAR in FY2025, compounding +39.8%/yr from FY2021.
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Snowflake
Five quick dimensions, each 0 to 100: VALUE (fair-value potential), FUTURE (revenue growth), PAST (return on equity), HEALTH (low debt), DIVIDEND (yield). Green = this stock, grey = typical sector peer.
Values & ESG
Does this company touch areas you may want to avoid? The classification is inferred from sector and industry.
ESG scores are not available for this stock yet. Values and ESG data are contextual and can differ between providers.
Similar stocks
10 more Insurance - Life stocks, each showing price versus our Fair Value estimate (as of Jul 31, 2026).
| Stock | Price | Fair Value | vs Fair Value |
|---|---|---|---|
| China Life Insurance Company 601628 | ¥38.72 | ¥70.87 | +83% |
| Ping An Insurance (Group) Company 601318 | ¥53.48 | ¥106.96 | +100% |
| AIA Group 1299 | HK$74.25 | HK$10.08 | -86% |
| Manulife Financial Corporation MFC | C$54.00 | C$58.76 | +9% |
| Aflac Incorporated A1FL34 | R$592.20 | R$82.64 | -86% |
| MetLife, Inc METB34 | R$445.74 | R$68.27 | -85% |
| Great-West Lifeco Inc GWO | C$89.23 | C$104.26 | +17% |
| Life Insurance Corporation LICI | ₹399.90 | ₹549.69 | +37% |
| Fubon Financial Holding 2881 | 125.50 TWD | 108.40 TWD | -14% |
| Samsung Life Insurance Co 032830 | 425,000 KRW | 218,005 KRW | -49% |
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Price, fair value, quality and upside side by side.
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How we calculate Fair Value
Each company is valued through a stack of independent intrinsic-value models (DCF variants, residual-income, multiples and more), blended into one family-balanced consensus and weighted by how much trustworthy data backs it. A separate quality layer scores the fundamentals. Every input is real reported data, nothing guessed.
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