The Mediterranean&Gulf Insurance Co (8030) fair value: what the stock is really worth
As of Sep 30, 2026: fair value of The Mediterranean&Gulf Insurance Co SAR 3.47, price SAR 15.47, upside -77.6%, quality 40 out of 100. Calculated from audited financials with 26 valuation models and 37 quality factors, updated daily.
- Fair value above price? No
- Good quality? No
- Add to watchlist
The Mediterranean&Gulf Insurance Co
8030 · SRWeakest SetupStrongly overvalued and low quality.
What runs behind every stock
69 individual criteria per stock, every one traceable See the method →
Price vs Fair Value
White line = price, green steps = our fair value per fiscal year, dashed = 300-day average. As of Sep 27, 2026.
How to read this chart
60‑month range 7.63 SAR – 34.75 SAR · fair‑value band 2.59 SAR – 5.18 SAR · the 15.47 SAR price screens above the 3.47 SAR fair value. Dashed = 300-day average. As of Sep 27, 2026.
Every Wednesday you see whether The Mediterranean&Gulf Insurance Co is on track or worth a review, plus price against fair value. Free, up to 3 stocks.
We send you a confirmation link. Unsubscribe with one click.
Company profile
The Mediterranean and Gulf Cooperative Insurance and Reinsurance Company provides medical, motor, and other general insurance in the Kingdom of Saudi Arabia. The company offers third party and comprehensive motor, medical malpractice, and domestic worker contract insurance; roadside assistance; and visit visa extension services.
Show more
The Mediterranean and Gulf Cooperative Insurance and Reinsurance Company provides medical, motor, and other general insurance in the Kingdom of Saudi Arabia. The company offers third party and comprehensive motor, medical malpractice, and domestic worker contract insurance; roadside assistance; and visit visa extension services. It also provides health insurance; property all risks, sabotage and terrorism, fire and allied perils, and political violence insurance; aviation hull and liability, unmanaged aerial systems, airport operations/contractors liability insurance; and marine cargo insurance one single shipment, marine cargo open cover, marine hull, land transit insurance one shipment, and land transit open cover. In addition, the company offers insurance for boiler and pressure; erection all risk insurance; plant and equipment insurance; contractors all risk insurance; electronic equipment insurance; inherent structural defects insurance; deterioration of stock following machinery breakdown insurance; and machinery breakdown insurance products. The Mediterranean and Gulf Cooperative Insurance and Reinsurance Company was founded in 2006 and is headquartered in Riyadh, the Kingdom of Saudi Arabia.
Stock analysis
The Mediterranean&Gulf Insurance Co (8030) currently trades at 15.47 SAR, while our model-based Fair Value estimate is 3.47 SAR, 77.6% below the price, so the stock looks overvalued today.
Show more
Valuation
Bull case: the Asset-Based group reads highest at a median of 7.72 SAR per share, and 0 of the 4 models we run sit above the 15.47 SAR price.
Bear case: the Multiples group reads lowest at 3.86 SAR, and 4 of the 4 models stay below the price. Evidence for this calculation is medium.
Scenario range: 2.59 SAR (bear) to 5.18 SAR (bull), the price of 15.47 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 40/100 (below-average quality), in the Financial Services sector.
Expensive Growth: The company is growing, but growth may require heavy reinvestment or weak cash conversion.
The Mediterranean&Gulf Insurance Co reported revenue of 4.4B SAR in FY2025 versus 1.7B SAR in FY2021, a compound +25.8%/yr. Reported net income was 41.1M SAR in FY2025.
Key figures
Market cap 2.1B SAR (≈ $564M) · P/E ratio 41.8 · P/S ratio 0.39 · EPS (TTM) 0.3700 SAR · Net margin 0.9% · Return on equity 4.3% · Return on assets (EBIT) −0.4% · Operating margin 3.0%.
Competitive moat
Our AI-assisted moat analysis scores the competitive advantage at 37 out of 100 (medium confidence).
What moves the price
The share trades about 12% below its 52-week high and 40% above its 52-week low, currently above its 200-day average.
For context, the median of 10 Financial Services peers we cover trades at −35% fair-value upside, at −78%, 8030 screens richer than that median.
Fair Value models
All 4 models by family
Notify me when 8030 reaches fair value
Put 8030 on your watchlist. We get in touch as soon as price and fair value meet or the trend turns.
Set up alert →Quality Score breakdown
Of which business quality 44 · Market factors (momentum, volatility) 52
Revenue & earnings trend
8030 screens overvalued: fair value 78% below the price. Compare with China Life Insurance Company →
Compare The Mediterranean&Gulf Insurance Co with another stock
Price, fair value, quality and upside side by side.
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 · 89 stocks
Valuation Multiplesvs Insurance - Life median · lower = cheaper
Strength profile in five axes (Snowflake)
VALUE 0: the price sits above our fair-value range.
Context: sector, industry, market
- Is the Financials sector expensive or cheap?
- P/E, EV/EBITDA and margins by industry (reference tables)
- Valuation of the Saudi Arabia market
Values & ESG
Does this company touch areas you may want to avoid? The classification is inferred from sector and industry.
Similar stocks
10 more Insurance - Life stocks, each showing price versus our Fair Value estimate.
| Stock | Price | Fair Value | vs Fair Value |
|---|---|---|---|
| China Life Insurance Company 601628 | ¥37.43 | ¥49.98 | +34% |
| Ping An Insurance (Group) Company 601318 | ¥53.25 | ¥67.19 | +26% |
| AIA Group 1299 | HK$73.75 | HK$41.69 | −43% |
| Manulife Financial Corporation MFC | $43.86 | $27.55 | −37% |
| MetLife, Inc MET | $97.70 | $54.39 | −44% |
| Great-West Lifeco Inc GWO | C$93.34 | C$42.07 | −55% |
| Aflac Incorporated AFL | $113.72 | $67.02 | −41% |
| Life Insurance Corporation LICI | ₹409.05 | ₹299.19 | −27% |
| Cathay Financial Holding 2882 | 110.50 TWD | 71.47 TWD | −35% |
| China Pacific Insurance (Group) Co 601601 | ¥30.88 | ¥48.28 | +56% |
Explore undervalued stocks
More undervalued Financial Services stocks →
Try a ready-made strategy
Pick a strategy and jump into the live analysis with that exact screen applied.
Discover tools
Frequently asked questions
Is The Mediterranean&Gulf Insurance Co (8030) overvalued or undervalued?
What is the fair value of 8030?
What is the quality score of 8030?
What is the price target for The Mediterranean&Gulf Insurance Co (8030)?
What is the The Mediterranean&Gulf Insurance Co stock forecast for 2026?
What is the revenue of The Mediterranean&Gulf Insurance Co (8030)?
What is the intrinsic value of The Mediterranean&Gulf Insurance Co (8030)?
Is The Mediterranean&Gulf Insurance Co stock overvalued or undervalued in 2026?
Is fair value the same as the market price of 8030?
How much is The Mediterranean&Gulf Insurance Co worth?
What do the bullish and bearish scenarios say about 8030?
What is the P/E ratio of 8030?
How solid is the balance sheet of The Mediterranean&Gulf Insurance Co (8030)?
How far is 8030 from its 52-week high?
Which stocks are comparable to The Mediterranean&Gulf Insurance Co?
Is The Mediterranean&Gulf Insurance Co stock attractive at the current price?
How is the fair value of 8030 calculated?
Is it still worth investing in stocks now?
What is the share price of The Mediterranean&Gulf Insurance Co (8030)?
What should I pay attention to with The Mediterranean&Gulf Insurance Co right now?
Where does the earnings growth of The Mediterranean&Gulf Insurance Co (8030) come from?
Key figures of The Mediterranean&Gulf Insurance Co
How large is the market capitalisation of The Mediterranean&Gulf Insurance Co (8030)?
What is the P/S ratio of The Mediterranean&Gulf Insurance Co (8030)?
What are the earnings per share of The Mediterranean&Gulf Insurance Co (8030)?
What is the net margin of The Mediterranean&Gulf Insurance Co (8030)?
What is the return on equity of The Mediterranean&Gulf Insurance Co (8030)?
What is the EBIT return on assets of The Mediterranean&Gulf Insurance Co (8030)?
What is the operating margin of The Mediterranean&Gulf Insurance Co (8030)?
How fast is revenue growing at The Mediterranean&Gulf Insurance Co (8030)?
How fast are earnings growing at The Mediterranean&Gulf Insurance Co (8030)?
How much free cash flow does The Mediterranean&Gulf Insurance Co (8030) generate?
How much net cash does The Mediterranean&Gulf Insurance Co (8030) hold?
Watch The Mediterranean&Gulf Insurance Co in the live analysis
One click puts The Mediterranean&Gulf Insurance Co on your watchlist: fair value and trend at a glance, plus comparison, the diversification check and the 35,000+ stock screener. You can also try 14 days of Pro there, no card.
Watch for free →Zero risk: nothing is ever charged. Your watchlist is yours, with or without an account.