Malath Cooperative Insurance Co (8020) fair value: what the stock is really worth
As of Oct 28, 2026: fair value (intrinsic value) of Malath Cooperative Insurance Co stock SAR 8.72, price SAR 8.21, upside +6.2%, quality 55 out of 100. Rating: fairly valued. Calculated from audited financials with 26 valuation models and 37 quality factors, updated daily.
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Price vs Fair Value
White line = price, green steps = our fair value per fiscal year. As of Oct 28, 2026.
How to read this chart
60‑month range 7.60 SAR – 34.90 SAR · fair‑value band 6.54 SAR – 10.90 SAR · the 8.21 SAR price screens below the 8.72 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 28, 2026.
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Malath Cooperative Insurance Company provides insurance products and related services to individuals, small and medium enterprises, and corporates in the Kingdom of Saudi Arabia. It operates through Medical, Motor, Property, Engineering, Marine, and Others segments.
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The company also offers casualty and other general insurance. Malath Cooperative Insurance Company was incorporated in 2007 and is headquartered in Riyadh, the Kingdom of Saudi Arabia.
Stock analysis
Malath Cooperative Insurance Co (8020) currently trades at 8.21 SAR, while our model-based Fair Value estimate is 8.72 SAR, so the stock looks roughly fairly valued today (gap 5.8%).
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Valuation
Bull case: the Economic Profit group reads highest at a median of 6.27 SAR per share, and 1 of the 4 models we run sit above the 8.21 SAR price.
Bear case: the Multiples group reads lowest at 5.64 SAR, and 3 of the 4 models stay below the price. Data coverage for this calculation is medium.
Scenario range: 6.54 SAR (bear) to 10.90 SAR (bull), the price of 8.21 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 55/100 (solid quality), in the Financial Services sector.
Expensive Growth: The company is growing, but growth may require heavy reinvestment or weak cash conversion.
Malath Cooperative Insurance Co reported revenue of 1.5B SAR in FY2025 versus 818M SAR in FY2021, a compound +16.8%/yr. Reported net income was 21.7M SAR in FY2025.
Key figures
Market cap 411M SAR (≈ $109M) Micro · P/E ratio 32.8 · P/S ratio 0.33 · EPS (TTM) 0.2500 SAR · Net margin 1.0% · Return on equity 2.7% · Return on assets (EBIT) 0.3% · Operating margin 0.8%.
Competitive moat
Our AI-assisted moat analysis scores the competitive advantage at 26 out of 100 (low confidence).
What moves the price
The share trades about 34% below its 52-week high and 8% above its 52-week low, currently below its 200-day average.
For context, the median of 10 Financial Services peers we cover trades at −21% fair-value upside, at 6%, 8020 screens cheaper than that median.
Fair Value models
Bear6.54 SARFair Value 8.72 SARBull10.90 SAR
Price 8.21 SAR · Upside +6.2%
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 (0.2068 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.58/100
The company is growing, but growth may require heavy reinvestment or weak cash conversion.
Revenue growth 1 year
+54.7%
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.
+17.5%
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.
+14.5%
Start year 2020 (pandemic). Over 10 years: −1.6% a year
Revenue growth 18 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.
+31.5%
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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.
+25.9%
Earnings growth per share plus dividend.
Earnings per share, growth per year+25.9%
Dividend (yield on the price)0.0%
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.3% → 2%
⚠ Revenue per share shrinking 10.0%/yr over ~10Y (margin trend unclear) ⓘStructural-decline marker: revenue PER SHARE has fallen over the last decade (robust median trend, not a single year). Backtested across 2005 to 2017, such businesses trailed the market by about 2.5 percentage points per year. Display only: it does not change the fair value or the quality score.
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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 - Property & Casualty · 113 stocks
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). "Malath Cooperative Insurance Co Fair Value". https://www.fairvalue-calculator.com/stock/8020
Frequently asked questions
Is Malath Cooperative Insurance Co (8020) overvalued or undervalued?
As of Oct 28, 2026, our model estimates a fair value of 8.72 SAR versus a price of 8.21 SAR, about +6% upside (fairly valued).
What is the fair value of 8020?
Our model-based fair value for Malath Cooperative Insurance Co is 8.72 SAR (as of Oct 28, 2026), built from audited fundamentals. The current price: 8.21 SAR.
What is the quality score of 8020?
Malath Cooperative Insurance Co has a Quality Score of 55/100. 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 Malath Cooperative Insurance Co (8020)?
Our model-based price target is the fair value of 8.72 SAR (as of Oct 28, 2026) from 4 valuation models. Cautious scenario 6.54 SAR, optimistic scenario 10.90 SAR. It is a calculation from audited fundamentals, not an analyst target.
What is the Malath Cooperative Insurance Co stock forecast for 2026?
Our models put fair value at 8.72 SAR, about +6% upside versus a price of 8.21 SAR (fairly valued). Cautious scenario 6.54 SAR, optimistic scenario 10.90 SAR. The calculation is refreshed regularly with new filings.
What is the revenue of Malath Cooperative Insurance Co (8020)?
Malath Cooperative Insurance Co reported trailing-twelve-month revenue of about 1.3B SAR (latest available figure, as of Oct 28, 2026).
What is the intrinsic value of Malath Cooperative Insurance Co (8020)?
Intrinsic value and fair value mean the same thing: what the business is worth on its numbers, independent of the share price. For Malath Cooperative Insurance Co it is 8.72 SAR per share (as of Oct 28, 2026), against a price of 8.21 SAR. It is the blended result of 4 valuation models (cash flow, earnings, asset, dividend).
Is Malath Cooperative Insurance Co stock overvalued or undervalued in 2026?
As of Oct 28, 2026, 8020 trades below its calculated fair value: price 8.21 SAR, fair value 8.72 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 8020?
No. The price is what the market pays today (8.21 SAR); the fair value is what the company's own numbers justify (8.72 SAR). For Malath Cooperative Insurance Co the two are 0.5100 SAR per share apart. That gap is exactly why we show both numbers side by side.
How much is Malath Cooperative Insurance Co worth?
The market values Malath Cooperative Insurance Co at about 411M SAR (market capitalisation, as of Oct 28, 2026). Per share that is 8.21 SAR; our models calculate a fair value of 8.72 SAR per share.
What do the bullish and bearish scenarios say about 8020?
Our models span a range for Malath Cooperative Insurance Co: cautious scenario 6.54 SAR, base 8.72 SAR, optimistic 10.90 SAR per share (as of Oct 28, 2026, price 8.21 SAR). The range comes from different growth and margin assumptions, not from analyst opinions.
What is the P/E ratio of 8020?
Malath Cooperative Insurance Co trades at a price-to-earnings ratio of 32.8 (as of Oct 28, 2026). A P/E on its own says little: it compares the price with ONE year of profit, while our fair value of 8.72 SAR is built from several models across several years. Other multiples: P/B 0.9, P/S 0.3.
How solid is the balance sheet of Malath Cooperative Insurance Co (8020)?
Balance-sheet figures for Malath Cooperative Insurance Co (as of Oct 28, 2026): return on equity 2.7%. They feed the Quality Score of 55/100, which measures business quality independently of the share price.
How far is 8020 from its 52-week high?
Malath Cooperative Insurance Co trades at 8.21 SAR, about 34% below its 52-week high of 12.42 SAR and 8% above the low of 7.60 SAR (as of Oct 28, 2026). Distance from the high says nothing about value: that is what the fair value of 8.72 SAR is for.
Which stocks are comparable to Malath Cooperative Insurance Co?
From the same area (Financial Services) we also value Chubb Limited, The Progressive Corporation, The Travelers Companies, Inc, The Allstate 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 Malath Cooperative Insurance Co stock attractive at the current price?
The data as of Oct 28, 2026: price 8.21 SAR, calculated fair value 8.72 SAR (+6%), Quality Score 55/100, 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 8020 calculated?
We run Malath Cooperative Insurance Co 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 8.72 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. Malath Cooperative Insurance Co currently trades 6 % 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 Malath Cooperative Insurance Co (8020)?
The closing price on Oct 28, 2026 was 8.21 SAR. Our model-based fair value is 8.72 SAR, about +6% upside (fairly valued). We carry closing prices from our data provider, not a live tick.
What should I pay attention to with Malath Cooperative Insurance Co right now?
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.
Key figures of Malath Cooperative Insurance Co
How large is the market capitalisation of Malath Cooperative Insurance Co (8020)?
The market capitalisation of Malath Cooperative Insurance Co is 411M SAR (≈ $109M). 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 Malath Cooperative Insurance Co (8020)?
The price-to-sales ratio of Malath Cooperative Insurance Co is 0.33 (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 Malath Cooperative Insurance Co (8020)?
Earnings per share at Malath Cooperative Insurance Co are 0.2500 SAR (price ÷ EPS = P/E 32.8). Earnings per share over the last twelve months: total profit spread across every single share.
What is the net margin of Malath Cooperative Insurance Co (8020)?
The net margin of Malath Cooperative Insurance Co is 1.0% (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 Malath Cooperative Insurance Co (8020)?
The return on equity (ROE) of Malath Cooperative Insurance Co is 2.7% (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 Malath Cooperative Insurance Co (8020)?
On an EBIT basis the return on assets of Malath Cooperative Insurance Co is 0.3% (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 Malath Cooperative Insurance Co (8020)?
The operating margin of Malath Cooperative Insurance Co is 0.8% (last twelve months). Profit from the core business (before interest and taxes) relative to revenue.
How fast is revenue growing at Malath Cooperative Insurance Co (8020)?
Revenue at Malath Cooperative Insurance Co is growing −28.3% versus a year earlier (3y avg +17.5%). 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 Malath Cooperative Insurance Co (8020)?
Earnings per share at Malath Cooperative Insurance Co are growing −70.2% versus a year earlier. How much earnings per share grew versus a year earlier.
How much free cash flow does Malath Cooperative Insurance Co (8020) generate?
The free cash flow of Malath Cooperative Insurance Co is −90.6M 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 Malath Cooperative Insurance Co (8020) hold?
Malath Cooperative Insurance Co holds more cash than debt, 269M SAR net (fiscal year 2025). The company holds more cash than debt, a safety cushion.
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Oct 28, 2026