The Company for Coop. Insurance (8010) fair value: what the stock is really worth
As of Oct 28, 2026: fair value (intrinsic value) of The Company for Coop. Insurance stock SAR 44.96, price SAR 80.00, upside -43.8%, quality 61 out of 100. Rating: strongly overvalued. Calculated from audited financials with 26 valuation models and 37 quality factors, updated daily.
Fair value 30%+ above price?No
Quality 50+?Yes
In an uptrend?No
Keep an eye on it?Free in your watchlist: 5 stocks without an account, 10 with oneYes, for free
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Price vs Fair Value
White line = price, green steps = our fair value per fiscal year. As of Oct 29, 2026.
How to read this chart
60‑month range 29.03 SAR – 136.00 SAR · fair‑value band 31.81 SAR – 59.03 SAR · the 80.00 SAR price screens above the 44.96 SAR fair value. Green steps = our fair value per fiscal year (point-in-time, no hindsight). 1 fiscal year is left out: there the valuation rested on only a fraction of the usual models. As of Oct 29, 2026.
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The Company for Cooperative Insurance operates as an insurance company in the Kingdom of Saudi Arabia. The company operates through Medical, Medical Umrah, Motor, Property and Casualty, General Accidents, Travel and COVID-19, Protection and Savings, and Inherent Insurance Defects segments.
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It offers mobility insurance, such as motor, SME motor, cross border own damage, mechanical breakdown, and luxury car insurance; and health, including My Family, a medical insurance program, SME health, Umrah insurance, visit visa insurance, domestic worker, parent's insurance, Takaful, Balsam, and premium residency.
The company also provides general insurance comprising property, home, engineering, aviation, energy, general accident, Hajj, travel, inherent defects, sports, and credit, as well as marine cargo and hull, medical malpractice, SME general, domestic worker contract, income protection, Tawuniya Dare, and civil liability.
In addition, it offers life insurance, retirement insurance, and education program for children; coverage of compulsory travel insurance in addition to some coverages related to COVID-19 for citizens travelling abroad; protection and savings; roadside assistance, claim services, chronic disease management, request for eligibility letter, home children vaccination, and wellness and health services programs.
The company was formerly known as National Company for Cooperative Insurance and changed its name to The Company for Cooperative Insurance in 2004. The Company for Cooperative Insurance was incorporated in 1986 and is headquartered in Riyadh, the Kingdom of Saudi Arabia.
Stock analysis
The Company for Coop. Insurance (8010) currently trades at 80.00 SAR, while our model-based Fair Value estimate is 44.96 SAR, 43.8% below the price, so the stock looks overvalued today.
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Valuation
Bull case: the Economic Profit group reads highest at a median of 44.96 SAR per share, and 0 of the 6 models we run sit above the 80.00 SAR price.
Bear case: the Asset-Based group reads lowest at 14.65 SAR, and 6 of the 6 models stay below the price. Data coverage for this calculation is high.
Scenario range: 31.81 SAR (bear) to 59.03 SAR (bull), the price of 80.00 SAR sits above it. Bear and bull are the same models on cautious and optimistic assumptions, a range, not a price target.
Quality & growth
The Quality Score stands at 61/100 (solid quality), in the Financial Services sector.
Expensive Growth: The company is growing, but growth may require heavy reinvestment or weak cash conversion.
The Company for Coop. Insurance 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.
Key figures
Market cap 18.0B SAR (≈ $4.8B) Mid · P/E ratio 18.3 · P/S ratio 0.85 · EPS (TTM) 4.37 SAR · Dividend yield 1.7% · Net margin 4.7% · Return on equity 18.5% · Return on assets (EBIT) 3.9%.
Competitive moat
Our AI-assisted moat analysis scores the competitive advantage at 47 out of 100 (low confidence).
What moves the price
The share trades about 41% 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 −38% fair-value upside, at −44%, 8010 screens richer than that median.
Fair Value models
Bear31.81 SARFair Value 44.96 SARBull59.03 SAR
Price 80.00 SAR · Upside -43.8%
Model ⓘEach model values the company its own way (discounted cash flow, earnings, assets, dividends). The fair value above starts from their evidence-weighted blend, not from a single model. In cyclical trough or peak years, after dilution or a stock split it is adjusted afterwards, so it can sit above or below the models. Based on fiscal year 2025 figures (about 10 months old). Earnings retained since then (2.51 SAR per share) are deliberately not added.Bear ⓘBear = the cautious scenario: the same model computed with conservative anchors (lower growth, margins and valuation multiples). Together with Bull it frames a plausible valuation range, not a price target.BaseBull ⓘBull = the optimistic scenario: the same model computed with favourable anchors (higher growth, margins and valuation multiples). Together with Bear it frames a plausible valuation range, not a price target. If a model's bull case is above four times its base value, the table shows that limit with a > sign (like the overall Bull above): beyond it no assumption holds.Coverage ⓘCoverage = how well-backed THIS model's estimate is for this stock (0–100): how complete and reliable its input data are, and how well the model fits the company. The final Fair Value is an evidence-weighted blend, so better-evidenced models count more. Green ≥70, amber 50–69, grey below 50.
Growth Quality ⓘGrowth is valuable only when reinvestment earns attractive returns (Aswath Damodaran): sustainable growth depends on return on capital, reinvestment and efficiency. Basis: total company revenue over the periods shown on the cards (3Y/5Y/all years), not per share, so a merger can show up as a growth jump; per-share earnings growth is in the value-creation card.62/100
The company is growing, but growth may require heavy reinvestment or weak cash conversion.
Revenue growth 1 year
+33.6%
Revenue growth 3 years ⓘMeasures the company's TOTAL revenue from reported annual statements: compound average growth per year (CAGR) from the fiscal year 3, 5 or N years back to the most recent comparable fiscal year. Not per share: buybacks do not change this number, and a merger can appear as a growth jump. Per-share growth (which does include buybacks) is in the value-creation card.
+30.4%
Revenue growth 5 years ⓘMeasures the company's TOTAL revenue from reported annual statements: compound average growth per year (CAGR) from the fiscal year 3, 5 or N years back to the most recent comparable fiscal year. Not per share: buybacks do not change this number, and a merger can appear as a growth jump. Per-share growth (which does include buybacks) is in the value-creation card.
+24.6%
Start year 2020 (pandemic). Over 10 years: +14.0% a year
Revenue growth 19 years ⓘMeasures the company's TOTAL revenue from reported annual statements: compound average growth per year (CAGR) from the fiscal year 3, 5 or N years back to the most recent comparable fiscal year. Not per share: buybacks do not change this number, and a merger can appear as a growth jump. Per-share growth (which does include buybacks) is in the value-creation card.
+12.6%
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What shareholders gained per year (last 5 years) (mathematically smoothed) ⓘWhat the business itself delivers per year: earnings growth per share plus the dividend yield. This is what you get IF the market keeps valuing the stock the same way: it contains no assumption about the market changing its mind. Computed per share, so buybacks count and a merger does not pass as growth. For a company that pays no dividend it is pure earnings growth per share. Period: earnings growth per share as CAGR over the last 5 reported fiscal years (annual statements), plus the current dividend yield. The start value is the median of the three years around the start, so a single crisis year (a pandemic or a write-down) does not distort the rate. Smoothed = median of all growth paths between the years of the window (trend line on the logarithm of earnings per share): a single extreme year cannot distort the rate. The reported figure stays in the tooltip.
+35.5%
Earnings growth per share plus dividend.
Earnings per share, growth per year+33.8%
Dividend (yield on the price)1.7%
Pace: 5 vs 10 years ⓘTwo data points, not a trend model: earnings growth per share over the last 5 fiscal years against the last 10. Labelled "steady" when both rates are within 3 percentage points of each other, otherwise picking up or flattening. Shown only when ten years of history exist.25.0% vs 4.4%, picking up
Profit margin 2020 to 2025 ⓘOperating margin then vs now, from reported annual statements. A falling margin after a boom year is the classic peak-earnings signal: the growth rate then leans on an inflated base.8% → 6%
2025 sits 79% above its own trend. The rate follows the median trend of the last 5 years, not that single year.
Pace: the 5-year rate starts in 2020 (pandemic)
Growth Forecast
A lot of optimism in the price
The price assumes more growth than the company has delivered so far and more than analysts expect.
What the price assumes ⓘThis turns our valuation around: instead of asking what the share is worth, it asks what growth the current price requires. It uses the cash the company keeps after all spending (free cash flow), the same discount rate as our models, five years of growth, then slowing evenly to 2 % a year by year ten. Compared with the analysts' sales forecasts extended to the same five years (at least three analysts, for context only, it does not enter the Fair Value): within 3 percentage points counts as "in line" (amber), below that little optimism (green), above that a lot of optimism (red).
+55.4%
Yearly growth needed for the next five years to justify today's price.
What forecasts expect ⓘAnalysts publish sales forecasts for the next two fiscal years. For the years after that, growth slows evenly to 2 % a year by year ten (2 % is the long-run rate our models use). Projected years are marked as such.
+12.1%
Yearly sales growth analysts expect, extended to five years.
After inflation (Saudi Arabia: IMF forecast 2.1% a year to 2030, 1.7% from 2016 to 2025) that is about +52.3% a year for the price and +9.8% for the forecasts.
Compare The Company for Coop. Insurance with another stock
Price, fair value, quality and upside side by side.
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Peer GroupⓘHow this stock ranks against its industry: the green marker is this stock, the band is the typical 25–75% peer range, and the tick is the median.Insurance - Life · 85 stocks
Beats the industry median on 5/13 measures
Overall it trails its industry peers.
Valuation
Quality Score61 · Top 25%
Fair Value upside−43.8% · Below median
Profitability
Return on equity (12 months)18.5% · Above median
Return on assets5.1% · Top 25%
Net margin (12 months)4.7% · Below median
Operating margin (12 months)6.4% · Bottom 25%
Growth and dividend
Revenue growth (quarter YoY)22.9% · Above median
Dividend yield (12 months)1.7% · Bottom 25%
Valuation Multiplesvs Insurance - Life median · lower = cheaper
P/E (12 months)18.3× · Pricier than median
P/B3.36× · Priciest 25%
P/S (12 months)0.85× · Cheaper than median
Price / free cash flow367.7× · Priciest 25%
EV/EBITDA12.6× · Priciest 25%
Strength profile in five axes (Snowflake)
This stockSector peers
VALUE (fair-value potential)0· sector 10
FUTURE (revenue growth)100· sector 50
PAST (return on equity)74· sector 48
HEALTH (low debt)0· sector 87
DIVIDEND (yield)33· sector 56
VALUE 0: the price sits above our fair-value range.
For bloggers, editors and developers: paste this into your site or blog (a “Custom HTML” block in WordPress), it shows the current fair value and links back here. Free, plain HTML, and welcome. Full data streams (CSV/JSON) at /developers.
Cite: Fair Value Calculator (2026). "The Company for Coop. Insurance Fair Value". https://www.fairvalue-calculator.com/stock/8010
Frequently asked questions
Is The Company for Coop. Insurance (8010) overvalued or undervalued?
As of Oct 29, 2026, our model estimates a fair value of 44.96 SAR versus a price of 80.00 SAR, about −44% upside (overvalued).
What is the fair value of 8010?
Our model-based fair value for The Company for Coop. Insurance is 44.96 SAR (as of Oct 29, 2026), built from audited fundamentals. The current price: 80.00 SAR.
What is the quality score of 8010?
The Company for Coop. Insurance has a Quality Score of 61/100. It measures business quality (profitability, growth, cash flow, balance-sheet strength, investment discipline, share issuance). Market factors such as price momentum and volatility do not enter the number; they are shown separately in the detail view.
What is the price target for The Company for Coop. Insurance (8010)?
Our model-based price target is the fair value of 44.96 SAR (as of Oct 29, 2026) from 6 valuation models. Cautious scenario 31.81 SAR, optimistic scenario 59.03 SAR. It is a calculation from audited fundamentals, not an analyst target.
What is the The Company for Coop. Insurance stock forecast for 2026?
Our models put fair value at 44.96 SAR, about −44% upside versus a price of 80.00 SAR (overvalued). Cautious scenario 31.81 SAR, optimistic scenario 59.03 SAR. The calculation is refreshed regularly with new filings.
What is the revenue of The Company for Coop. Insurance (8010)?
The Company for Coop. Insurance reported trailing-twelve-month revenue of about 21.1B SAR (latest available figure, as of Oct 29, 2026).
Does The Company for Coop. Insurance pay a dividend?
The Company for Coop. Insurance currently shows a dividend yield of 1.67% relative to its recent price (as of Oct 29, 2026).
What growth is priced into The Company for Coop. Insurance (8010)?
For today's price to be fair in a discounted-cash-flow model, The Company for Coop. Insurance would have to grow free cash flow by +55.4 % per year for five years (discount rate 9.0 %, then slowing evenly to 2 % perpetual growth by year ten). Over the last 5 years revenue grew +24.6 % per year. As of Oct 29, 2026.
What discount rate (WACC) does the fair value of 8010 use?
Our models discount The Company for Coop. Insurance at 9.0 %: a base by market capitalisation (mid), damped by beta 0.46, country premium for Saudi Arabia. The same rate applies in all 26 models.
What is a reverse DCF?
A reverse DCF turns the usual calculation around. Instead of deriving a value from assumptions, it takes today's price as given and asks: what free-cash-flow growth would a company have to deliver for exactly this price to be fair? The result is not a forecast but the expectation already priced in. For The Company for Coop. Insurance that is +55.4 % per year a year over ten years, using the same discount rate (9.0 %) and the same formula as our fair value.
How much growth has The Company for Coop. Insurance (8010) delivered so far?
Over the past 5 years revenue at The Company for Coop. Insurance grew +24.6 % a year. The price currently implies +55.4 % per year free-cash-flow growth a year. Comparing the two shows how much confidence is in the price: if it demands more than has been delivered, the business has to accelerate for the maths to work.
How fast is the sector of The Company for Coop. Insurance (8010) growing?
The median revenue growth in the sector is +8.9 % a year. That is the yardstick for the growth priced into The Company for Coop. Insurance (+55.4 % per year a year): it shows whether the expectation is within the usual range or beyond it.
What is the free cash flow yield of The Company for Coop. Insurance (8010)?
The free-cash-flow yield on the price is 0.41 %: that much free cash flow The Company for Coop. Insurance produces per unit of market value. When it exceeds the discount rate of our models (9.0 %), the business already earns more than its cost of capital demands, and the price needs little additional growth.
What is the intrinsic value of The Company for Coop. Insurance (8010)?
Intrinsic value and fair value mean the same thing: what the business is worth on its numbers, independent of the share price. For The Company for Coop. Insurance it is 44.96 SAR per share (as of Oct 29, 2026), against a price of 80.00 SAR. It is the blended result of 6 valuation models (cash flow, earnings, asset, dividend).
Is The Company for Coop. Insurance stock overvalued or undervalued in 2026?
As of Oct 29, 2026, 8010 trades above its calculated fair value: price 80.00 SAR, fair value 44.96 SAR, a gap of about −44% (overvalued). The calculation is refreshed with each new quarterly report, so the verdict can change during the year.
Is fair value the same as the market price of 8010?
No. The price is what the market pays today (80.00 SAR); the fair value is what the company's own numbers justify (44.96 SAR). For The Company for Coop. Insurance the two are 35.04 SAR per share apart. That gap is exactly why we show both numbers side by side.
How much is The Company for Coop. Insurance worth?
The market values The Company for Coop. Insurance at about 18.0B SAR (market capitalisation, as of Oct 29, 2026). Per share that is 80.00 SAR; our models calculate a fair value of 44.96 SAR per share.
What do the bullish and bearish scenarios say about 8010?
Our models span a range for The Company for Coop. Insurance: cautious scenario 31.81 SAR, base 44.96 SAR, optimistic 59.03 SAR per share (as of Oct 29, 2026, price 80.00 SAR). The range comes from different growth and margin assumptions, not from analyst opinions.
What is the P/E ratio of 8010?
The Company for Coop. Insurance trades at a price-to-earnings ratio of 18.3 (as of Oct 29, 2026). A P/E on its own says little: it compares the price with ONE year of profit, while our fair value of 44.96 SAR is built from several models across several years. Other multiples: P/B 3.4, P/S 0.9, EV/EBITDA 12.6.
How solid is the balance sheet of The Company for Coop. Insurance (8010)?
Balance-sheet figures for The Company for Coop. Insurance (as of Oct 29, 2026): return on equity 18.5%. They feed the Quality Score of 61/100, which measures business quality independently of the share price.
How far is 8010 from its 52-week high?
The Company for Coop. Insurance trades at 80.00 SAR, about 41% below its 52-week high of 136.00 SAR and 11% above the low of 72.25 SAR (as of Oct 28, 2026). Distance from the high says nothing about value: that is what the fair value of 44.96 SAR is for.
Which stocks are comparable to The Company for Coop. Insurance?
From the same area (Financial Services) we also value China Life Insurance Company, Ping An Insurance (Group) Company, AIA Group, Manulife Financial Corporation, among others. Each of them has its own fair-value calculation on this site using the same models, so the comparison is like for like.
Is The Company for Coop. Insurance stock attractive at the current price?
The data as of Oct 29, 2026: price 80.00 SAR, calculated fair value 44.96 SAR (−44%), Quality Score 61/100, from 6 models. Whether that fits your horizon and risk tolerance is your call. We provide the calculation, not investment advice.
How is the fair value of 8010 calculated?
We run The Company for Coop. Insurance through 6 models from four families: discounted cash flow, earnings models, asset and balance-sheet models, and dividend models. Every model gets the same audited fundamentals; the result is the weighted average of 44.96 SAR, with the spread shown as a cautious and an optimistic scenario.
Is it still worth investing in stocks now?
The global stock market currently sits 13.4 % above its aggregate fair value. The Company for Coop. Insurance itself currently trades above fair value. An expensive market is no reason to stay out and no reason to buy everything at once: keep a broad savings plan running, buy single stocks only with money you can do without, and hold part of your money liquid while the market is high. The full picture including sectors is on is it worth investing now.
What is the share price of The Company for Coop. Insurance (8010)?
The closing price on Oct 28, 2026 was 80.00 SAR. Our model-based fair value is 44.96 SAR, about −44% upside (overvalued). We carry closing prices from our data provider, not a live tick.
What should I pay attention to with The Company for Coop. Insurance right now?
The price sits above even our optimistic bull case (59.03 SAR). The favourable scenario is already priced in. Solid but not exceptional quality (61/100) and above fair value, neither a clear bargain nor a standout compounder. A fairly wide model range (31.81 SAR to 59.03 SAR) leaves room in how you read the outcome. For a financial, book-value and earnings-based methods matter more than a cash-flow DCF, which fits banks and insurers poorly.
Where does the earnings growth of The Company for Coop. Insurance (8010) come from?
Earnings per share at The Company for Coop. Insurance grew +1.7 % a year from 2014 to 2025. Broken into its drivers: revenue per share +10.2 %, EBIT margin −6.9 %, tax rate −0.5 %, residual (interest, one-offs) −0.4 %. The four rates multiply to the earnings growth rate, they do not add up. Start and end are three-year averages so a single exceptional year does not distort the result.
Key figures of The Company for Coop. Insurance
How large is the market capitalisation of The Company for Coop. Insurance (8010)?
The market capitalisation of The Company for Coop. Insurance is 18.0B SAR (≈ $4.8B). The stock-market value of the whole company: share price times number of shares. It is what the market asks for the entire business today.
What is the P/S ratio of The Company for Coop. Insurance (8010)?
The price-to-sales ratio of The Company for Coop. Insurance is 0.85 (last twelve months). Price to sales: market value relative to yearly revenue. Useful when profit is thin or distorted.
What are the earnings per share of The Company for Coop. Insurance (8010)?
Earnings per share at The Company for Coop. Insurance are 4.37 SAR (price ÷ EPS = P/E 18.3). Earnings per share over the last twelve months: total profit spread across every single share.
What is the dividend yield of The Company for Coop. Insurance (8010)?
The dividend yield of The Company for Coop. Insurance is 1.7% (payout 30.5%). Yearly dividend relative to the share price. 3% pays 3 per 100 invested. Below: how much of profit is used for it.
What is the net margin of The Company for Coop. Insurance (8010)?
The net margin of The Company for Coop. Insurance is 4.7% (last twelve months). How much of every unit of revenue ends up as profit. 10% means 10 cents of profit per dollar of sales.
What is the return on equity of The Company for Coop. Insurance (8010)?
The return on equity (ROE) of The Company for Coop. Insurance is 18.5% (last twelve months). Profit relative to shareholders' equity, how efficiently the company works with its owners' money.
What is the EBIT return on assets of The Company for Coop. Insurance (8010)?
On an EBIT basis the return on assets of The Company for Coop. Insurance is 3.9% (avg 5y). Operating profit (EBIT) relative to everything the company owns, as a multi-year average. It describes the business model rather than one good or bad year.
What is the operating margin of The Company for Coop. Insurance (8010)?
The operating margin of The Company for Coop. Insurance is 6.4% (last twelve months). Profit from the core business (before interest and taxes) relative to revenue.
How fast is revenue growing at The Company for Coop. Insurance (8010)?
Revenue at The Company for Coop. Insurance is growing +22.9% versus a year earlier (3y avg +30.4%). How much revenue grew versus a year earlier (YoY). The 3-year average next to it puts the single year in context.
How fast are earnings growing at The Company for Coop. Insurance (8010)?
Earnings per share at The Company for Coop. Insurance are growing −31.1% versus a year earlier. How much earnings per share grew versus a year earlier.
How much net cash does The Company for Coop. Insurance (8010) hold?
The Company for Coop. Insurance holds more cash than debt, 1.6B SAR net (fiscal year 2025). The company holds more cash than debt, a safety cushion.
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Broad data
Oct 29, 2026