Aljazira Takaful Taawuni Company (8012) fair value: what the stock is really worth
As of Oct 28, 2026: fair value (intrinsic value) of Aljazira Takaful Taawuni Company stock SAR 10.13, price SAR 9.24, upside +9.6%, quality 48 out of 100. Rating: fairly valued. Calculated from audited financials with 26 valuation models and 37 quality factors, updated daily.
Fair value 30%+ above price?No
Quality 50+?No
In an uptrend?No
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Price vs Fair Value
White line = price, green steps = our fair value per fiscal year. As of Oct 27, 2026.
How to read this chart
60‑month range 8.25 SAR – 21.64 SAR · fair‑value band 9.06 SAR – 10.24 SAR · the 9.24 SAR price screens below the 10.13 SAR fair value. Green steps = our fair value per fiscal year (point-in-time, no hindsight). As of Oct 27, 2026.
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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.
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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 9.24 SAR, while our model-based Fair Value estimate is 10.13 SAR, so the stock looks roughly fairly valued today (gap 8.8%).
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Valuation
Bull case: the Economic Profit group reads highest at a median of 10.13 SAR per share, and 2 of the 6 models we run sit above the 9.24 SAR price.
Bear case: the Dividend Discount group reads lowest at 3.55 SAR, and 4 of the 6 models stay below the price. Data coverage for this calculation is high.
Scenario range: 9.06 SAR (bear) to 10.24 SAR (bull), the price of 9.24 SAR sits inside 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 48/100 (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 610M SAR (≈ $163M) Micro · P/E ratio 31.9 · P/S ratio 1.66 · EPS (TTM) 0.2900 SAR · Dividend yield 4.3% · Net margin 5.4% · Return on equity 2.0% · Return on assets (EBIT) 1.7%.
Competitive moat
Our AI-assisted moat analysis scores the competitive advantage at 23 out of 100 (low confidence).
What moves the price
The share trades about 29% 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 −38% fair-value upside, at 10%, 8012 screens cheaper than that median.
Fair Value models
Bear9.06 SARFair Value 10.13 SARBull10.24 SAR
Price 9.24 SAR · Upside +9.6%
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.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.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%
Start year 2020 (pandemic). Over 10 years: +32.4% a year
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.
−1.6%
Earnings growth per share plus dividend.
Earnings per share, growth per year−5.9%
Dividend (yield on the price)4.3%
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.−5.9% vs 2.6%, 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 · 85 stocks
Beats the industry median on 5/12 measures
A mixed picture versus its industry peers.
Valuation
Quality Score48 · Below median
Fair Value upside+9.6% · Above median
Profitability
Return on equity (12 months)2.0% · Bottom 25%
Return on assets1.3% · Above median
Net margin (12 months)5.4% · Below median
Operating margin (12 months)−5.9% · Bottom 25%
Growth and dividend
Revenue growth (quarter YoY)23.0% · Above median
Dividend yield (12 months)4.3% · 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 Oct 27, 2026, our model estimates a fair value of 10.13 SAR versus a price of 9.24 SAR, about +10% upside (fairly valued).
What is the fair value of 8012?
Our model-based fair value for Aljazira Takaful Taawuni Company is 10.13 SAR (as of Oct 27, 2026), built from audited fundamentals. The current price: 9.24 SAR.
What is the quality score of 8012?
Aljazira Takaful Taawuni Company has a Quality Score of 48/100. 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 10.13 SAR (as of Oct 27, 2026) from 6 valuation models. Cautious scenario 9.06 SAR, optimistic scenario 10.24 SAR. 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 10.13 SAR, about +10% upside versus a price of 9.24 SAR (fairly valued). Cautious scenario 9.06 SAR, optimistic scenario 10.24 SAR. 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 367M SAR (latest available figure, as of Oct 27, 2026).
Does Aljazira Takaful Taawuni Company pay a dividend?
Aljazira Takaful Taawuni Company currently shows a dividend yield of 4.33% relative to its recent price (as of Oct 27, 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 10.13 SAR per share (as of Oct 27, 2026), against a price of 9.24 SAR. It is the blended result of 6 valuation models (cash flow, earnings, asset, dividend).
Is Aljazira Takaful Taawuni Company stock overvalued or undervalued in 2026?
As of Oct 27, 2026, 8012 trades below its calculated fair value: price 9.24 SAR, fair value 10.13 SAR, a gap of about +10% (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 (9.24 SAR); the fair value is what the company's own numbers justify (10.13 SAR). For Aljazira Takaful Taawuni Company the two are 0.8900 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 610M SAR (market capitalisation, as of Oct 27, 2026). Per share that is 9.24 SAR; our models calculate a fair value of 10.13 SAR per share.
What do the bullish and bearish scenarios say about 8012?
Our models span a range for Aljazira Takaful Taawuni Company: cautious scenario 9.06 SAR, base 10.13 SAR, optimistic 10.24 SAR per share (as of Oct 27, 2026, price 9.24 SAR). The range comes from different growth and margin assumptions, not from analyst opinions.
What is the P/E ratio of 8012?
Aljazira Takaful Taawuni Company trades at a price-to-earnings ratio of 31.9 (as of Oct 27, 2026). A P/E on its own says little: it compares the price with ONE year of profit, while our fair value of 10.13 SAR is built from several models across several years. Other multiples: P/B 0.6, P/S 1.7, EV/EBITDA 20.8.
How solid is the balance sheet of Aljazira Takaful Taawuni Company (8012)?
Balance-sheet figures for Aljazira Takaful Taawuni Company (as of Oct 27, 2026): return on equity 2.0%. They feed the Quality Score of 48/100, which measures business quality independently of the share price.
How far is 8012 from its 52-week high?
Aljazira Takaful Taawuni Company trades at 9.24 SAR, about 29% below its 52-week high of 13.09 SAR and 12% above the low of 8.25 SAR (as of Oct 28, 2026). Distance from the high says nothing about value: that is what the fair value of 10.13 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 Oct 27, 2026: price 9.24 SAR, calculated fair value 10.13 SAR (+10%), Quality Score 48/100, 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 8012 calculated?
We run Aljazira Takaful Taawuni Company 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 10.13 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. Aljazira Takaful Taawuni Company currently trades 9 % below its own fair value, and the market average says nothing about that. 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 Aljazira Takaful Taawuni Company (8012)?
The closing price on Oct 28, 2026 was 9.24 SAR. Our model-based fair value is 10.13 SAR, about +10% upside (fairly valued). We carry closing prices from our data provider, not a live tick.
What should I pay attention to with Aljazira Takaful Taawuni Company right now?
The price sits close to our fair value, market and models broadly agree here, little valuation tension. The models converge in a tight band (9.06 SAR to 10.24 SAR), unusually little disagreement for a valuation. 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 610M SAR (≈ $163M). 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 1.66 (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 Aljazira Takaful Taawuni Company (8012)?
Earnings per share at Aljazira Takaful Taawuni Company are 0.2900 SAR (price ÷ EPS = P/E 31.9). 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 4.3% (payout 138%). 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 5.4% (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 Aljazira Takaful Taawuni Company (8012)?
The return on equity (ROE) of Aljazira Takaful Taawuni Company is 2.0% (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 −5.9% (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 +23.0% 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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Broad data
Oct 27, 2026