Aljazira Takaful Taawuni Company (8012) fair value: what the stock is really worth
We calculate from audited financials what Aljazira Takaful Taawuni Company is really worth. The fair value tells you whether the price is too high or too low, the quality score (0 to 100) how solid the business behind it is. 26 models, 37 quality factors, updated daily.
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Price vs Fair Value
White line = price, green steps = our fair value per fiscal year, dashed = 300-day average. As of Sep 13, 2026.
How to read this chart
60‑month range 10.36 SAR – 21.64 SAR · the 11.27 SAR price screens above the 10.61 SAR fair value. Green steps = our fair value per fiscal year (point-in-time, no hindsight). Dashed = 300-day average. As of Sep 13, 2026.
Aljazira Takaful Taawuni Company engages in the provision of various insurance products and solutions in the Kingdom of Saudi Arabia. It operates through three segments: Non-Life, Individual Life, and Group Life.
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Aljazira Takaful Taawuni Company engages in the provision of various insurance products and solutions in the Kingdom of Saudi Arabia. It operates through three segments: Non-Life, Individual Life, and Group Life. The company offers medical, motor, travel, householder, medical insurance for visitors, medical malpractice, insurance for craftsmen, accident and liability, and aviation insurance products. It also provides fire, property, marine, engineering, domestic labor policy, and other insurance products; life insurance products to individuals; unit-linked investment oriented products for individuals and life protection plans for the members of organizations; credit protection benefits for personal loans granted by financing organization; and protection benefits for various credit facilities other than personal loans. Aljazira Takaful Taawuni Company was incorporated in 2010 and is headquartered in Jeddah, the Kingdom of Saudi Arabia.
Stock analysis
Aljazira Takaful Taawuni Company (8012) currently trades at 11.27 SAR, while our model-based Fair Value estimate is 10.61 SAR, implying the stock looks roughly 6.2% fairly valued today.
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Valuation
Bull case: the Economic Profit group reads highest at a median of 10.30 SAR per share, and 0 of the 4 models we run sit above the 11.27 SAR price.
Bear case: the Multiples group reads lowest at 7.85 SAR, and 4 of the 4 models stay below the price. Evidence for this calculation is high.
Quality & growth
The Quality Score stands at 47/100 (below-average quality), in the Financial Services sector.
Mixed Growth: Revenue is growing, but margins or cash flow do not fully confirm the trend.
Aljazira Takaful Taawuni Company reported revenue of 508M SAR in FY2025 versus 190M SAR in FY2021, a compound +27.9%/yr. Reported net income was 39.8M SAR in FY2025, compounding +16.8%/yr from FY2021.
Key figures
Market cap 744M SAR (≈ $198M) · P/E ratio 24.0 · P/S ratio 1.88 · EPS (TTM) 0.4700 SAR · Dividend yield 3.5% · Net margin 7.8% · Return on equity 3.1% · Return on assets (EBIT) 1.7%.
Competitive moat
Our AI-assisted moat analysis scores the competitive advantage at 38 out of 100 (low confidence).
What moves the price
The share trades about 14% below its 52-week high and 12% above its 52-week low, currently below its 200-day average.
For context, the median of 10 Financial Services peers we cover trades at −29% fair-value upside, at −6%, 8012 screens cheaper than that median.
Fair Value models
Bear 10.61 SARFair Value 10.61 SARBull 10.61 SAR
Model ⓘEach model values the company its own way (discounted cash flow, earnings, assets, dividends). The fair value above is their evidence-weighted blend, not the output of a single model. Based on fiscal year 2025 figures (about 8 months old). Earnings retained since then (0.0493 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.Evidence ⓘEvidence = 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.49/100
Revenue is growing, but margins or cash flow do not fully confirm the trend.
Revenue growth 1 year
+10.4%
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.
+39.8%
Revenue growth 12 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.
+40.7%
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What shareholders gained per year (last 5 years) ⓘ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.
−2.4%
Earnings growth per share plus dividend.
Earnings per share, growth per year−5.9%
Dividend (yield on the price)3.5%
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.−6% vs 3%, slowing
Profit margin 2019 to 2024 ⓘ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.36% → 9%
Compare Aljazira Takaful Taawuni Company 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 · 95 stocks
Beats the industry median on 6/12 measures
A mixed picture versus its industry peers.
Valuation
Quality Score49 · Below median
Fair Value upside−32% · Below median
Profitability
Return on equity (TTM)3% · Bottom 25%
Return on assets1% · Below median
Net margin (TTM)9% · Above median
Operating margin (TTM)8% · Bottom 25%
Growth and dividend
Revenue growth15% · Above median
Dividend yield (TTM)3.5% · Above median
Valuation Multiplesvs Insurance - Life median · lower = cheaper
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). "Aljazira Takaful Taawuni Company Fair Value". https://www.fairvalue-calculator.com/stock/8012
Frequently asked questions
Is Aljazira Takaful Taawuni Company (8012) overvalued or undervalued?
As of Sep 13, 2026, our model estimates a fair value of 10.61 SAR versus a price of 11.27 SAR, about −6% upside (fairly valued).
What is the fair value of 8012?
Our model-based fair value for Aljazira Takaful Taawuni Company is 10.61 SAR (as of Sep 13, 2026), built from audited fundamentals. The current price: 11.27 SAR.
What is the quality score of 8012?
Aljazira Takaful Taawuni Company has a Quality Score of 47/100. 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 Aljazira Takaful Taawuni Company (8012)?
Our model-based price target is the fair value of 10.61 SAR (as of Sep 13, 2026) from 4 valuation models. It is a calculation from audited fundamentals, not an analyst target.
What is the Aljazira Takaful Taawuni Company stock forecast for 2026?
Our models put fair value at 10.61 SAR, about −6% upside versus a price of 11.27 SAR (fairly valued). The calculation is refreshed regularly with new filings.
What is the revenue of Aljazira Takaful Taawuni Company (8012)?
Aljazira Takaful Taawuni Company reported trailing-twelve-month revenue of about 345M SAR (latest available figure, as of Sep 13, 2026).
Does Aljazira Takaful Taawuni Company pay a dividend?
Aljazira Takaful Taawuni Company currently shows a dividend yield of about 3.55% relative to its recent price (as of Sep 13, 2026).
What is the intrinsic value of Aljazira Takaful Taawuni Company (8012)?
Intrinsic value and fair value mean the same thing: what the business is worth on its numbers, independent of the share price. For Aljazira Takaful Taawuni Company it is 10.61 SAR per share (as of Sep 13, 2026), against a price of 11.27 SAR. It is the blended result of 4 valuation models (cash flow, earnings, asset, dividend).
Is Aljazira Takaful Taawuni Company stock overvalued or undervalued in 2026?
As of Sep 13, 2026, 8012 trades above its calculated fair value: price 11.27 SAR, fair value 10.61 SAR, a gap of about −6% (fairly valued). 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 8012?
No. The price is what the market pays today (11.27 SAR); the fair value is what the company's own numbers justify (10.61 SAR). For Aljazira Takaful Taawuni Company the two are 0.6600 SAR per share apart. That gap is exactly why we show both numbers side by side.
How much is Aljazira Takaful Taawuni Company worth?
The market values Aljazira Takaful Taawuni Company at about 744M SAR (market capitalisation, as of Sep 13, 2026). Per share that is 11.27 SAR; our models calculate a fair value of 10.61 SAR per share.
What is the P/E ratio of 8012?
Aljazira Takaful Taawuni Company trades at a price-to-earnings ratio of 24.0 (as of Sep 13, 2026). A P/E on its own says little: it compares the price with ONE year of profit, while our fair value of 10.61 SAR is built from several models across several years. Other multiples: P/B 0.2, P/S 0.6, EV/EBITDA 4.0.
How solid is the balance sheet of Aljazira Takaful Taawuni Company (8012)?
Balance-sheet figures for Aljazira Takaful Taawuni Company (as of Sep 13, 2026): return on equity 3.1%. They feed the Quality Score of 47/100, which measures business quality independently of the share price.
How far is 8012 from its 52-week high?
Aljazira Takaful Taawuni Company trades at 11.27 SAR, about 14% below its 52-week high of 13.11 SAR and 12% above the low of 10.02 SAR (as of Sep 13, 2026). Distance from the high says nothing about value: that is what the fair value of 10.61 SAR is for.
Which stocks are comparable to Aljazira Takaful Taawuni Company?
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 Aljazira Takaful Taawuni Company stock attractive at the current price?
The data as of Sep 13, 2026: price 11.27 SAR, calculated fair value 10.61 SAR (−6%), Quality Score 47/100, from 4 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 8012 calculated?
We run Aljazira Takaful Taawuni Company through 4 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 10.61 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 15.8 % above its aggregate fair value. Aljazira Takaful Taawuni Company 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 should I pay attention to with Aljazira Takaful Taawuni Company right now?
The price sits above even our optimistic bull case (10.61 SAR). The favourable scenario is already priced in. The price sits close to our fair value, market and models broadly agree here, little valuation tension. 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 Aljazira Takaful Taawuni Company (8012) come from?
Earnings per share at Aljazira Takaful Taawuni Company grew +10.4 % a year from 2013 to 2024. Broken into its drivers: revenue per share +36.8 %, EBIT margin −16.3 %, tax rate −2.9 %, residual (interest, one-offs) −0.7 %. 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 Aljazira Takaful Taawuni Company
How large is the market capitalisation of Aljazira Takaful Taawuni Company (8012)?
The market capitalisation of Aljazira Takaful Taawuni Company is 744M SAR (≈ $198M). 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 Aljazira Takaful Taawuni Company (8012)?
The price-to-sales ratio of Aljazira Takaful Taawuni Company is 1.88 (P/E × margin). Price to sales: market value relative to yearly revenue. Useful when profit is thin or distorted.
What are the earnings per share of Aljazira Takaful Taawuni Company (8012)?
Earnings per share at Aljazira Takaful Taawuni Company are 0.4700 SAR (price ÷ EPS = P/E 24.0). Earnings per share over the last twelve months: total profit spread across every single share.
What is the dividend yield of Aljazira Takaful Taawuni Company (8012)?
The dividend yield of Aljazira Takaful Taawuni Company is 3.5% (payout 85.1%). 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 Aljazira Takaful Taawuni Company (8012)?
The net margin of Aljazira Takaful Taawuni Company is 7.8% (fiscal year 2025). 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 Aljazira Takaful Taawuni Company (8012)?
The return on equity (ROE) of Aljazira Takaful Taawuni Company is 3.1% (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 Aljazira Takaful Taawuni Company (8012)?
On an EBIT basis the return on assets of Aljazira Takaful Taawuni Company is 1.7% (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 Aljazira Takaful Taawuni Company (8012)?
The operating margin of Aljazira Takaful Taawuni Company is 7.7% (last twelve months). Profit from the core business (before interest and taxes) relative to revenue.
How fast is revenue growing at Aljazira Takaful Taawuni Company (8012)?
Revenue at Aljazira Takaful Taawuni Company is growing +14.8% versus a year earlier. 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 Aljazira Takaful Taawuni Company (8012)?
Earnings per share at Aljazira Takaful Taawuni Company are growing −53.7% versus a year earlier. How much earnings per share grew versus a year earlier.
How much free cash flow does Aljazira Takaful Taawuni Company (8012) generate?
The free cash flow of Aljazira Takaful Taawuni Company is −94.8M SAR (fiscal year 2025). The cash truly left after running and investing in the business, this is what pays dividends and buybacks.
How much net cash does Aljazira Takaful Taawuni Company (8012) hold?
Aljazira Takaful Taawuni Company holds more cash than debt, 156M SAR net (fiscal year 2024). The company holds more cash than debt, a safety cushion.
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