Walaa Cooperative Insurance Company SJSC (8060) Fair Value & Analysis
Financial Services · SA · Market cap 1.2B SAR
Fair value as of: Aug 13, 2026
From 3 valuation models · updated 3 days ago
Share price +15.5% over the past month.
Below-average quality, and screening another 62% overvalued on our models.
What matters now
- The price sits above even our optimistic bull case (6.47 SAR). The favourable scenario is already priced in.
- Weak quality (28/100) and above fair value at the same time, the margin of safety is missing on both counts.
- The model range is unusually wide (2.41 SAR to 6.47 SAR). The outcome hinges heavily on assumptions, so read the point estimate with caution.
- For a financial, book-value and earnings-based methods matter more than a cash-flow DCF, which fits banks and insurers poorly.
Price vs Fair Value (5 years)
White line = price, green steps = our fair value per fiscal year, dashed = 300-day average. As of Aug 13, 2026.
How to read this chart
60‑month range 8.94 SAR – 34.20 SAR · fair‑value band 2.41 SAR – 6.47 SAR · the 11.94 SAR price screens above the 4.52 SAR fair value. Dashed = 300-day average. As of Aug 13, 2026.
Analysis
Walaa Cooperative Insurance Company SJSC (8060) currently trades at 11.94 SAR, while our model-based Fair Value estimate is 4.52 SAR, implying the stock looks roughly 62.1% overvalued today. The Quality Score stands at 28/100 (below-average quality), in the Financial Services sector. Bear case: priced above our estimate, the market already discounts strong expectations. Bull case: above-average quality can justify a premium, the entry price still matters most (evidence: medium).
Over the trailing twelve months, Walaa Cooperative Insurance Company SJSC generated revenue of 1.4B SAR at a net margin of -6.6%. Revenue declined 16.1% year over year. It earns a return on equity of -5.3%. The balance sheet holds a net cash position of 520M SAR. Fundamentals as of Aug 13, 2026
Our scenario range runs from 2.41 SAR (bear case) to 6.47 SAR (bull case); at 11.94 SAR, the current price sits above that range. Bear and bull are the same models run on conservative and optimistic assumptions (margins, growth, valuation multiples), so a plausible valuation range, not a price target. The share trades about 15% below its 52-week high and 37% above its 52-week low, currently above its 200-day average. For context, the median of 10 Financial Services peers we cover trades at -33% fair-value upside, at -62%, 8060 screens richer than that median.
Fair Value models
Each model estimates fair value its own way; the Fair Value above is the evidence-weighted blend. Evidence (0–100) measures how completely this model’s inputs are available: well-fed models carry more weight in the blend. The spread across models is intentional, each one stresses a different value driver; dividend models, for instance, come out structurally low when payout is small.
All 3 models by family
Widest divergence: Asset-Based (8.82 SAR) versus Dividend Discount (4.41 SAR). Highest evidence: Gordon GGM (70).
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Key figures & financial health
More key figures
Figures from reported company fundamentals · as of Aug 13, 2026. TTM = trailing twelve months.
Quality Score breakdown
Of which business quality 35 · Market factors (momentum, volatility) 52
Non-valuation factor families (profitability, growth, cashflow, financial strength, momentum …), each academically grounded. Valuation itself sits in the Fair Value and is deliberately excluded here to avoid double-counting.
About the company
Walaa Cooperative Insurance Company provides cooperative insurance and reinsurance products and services in the Kingdom of Saudi Arabia.
Full company description
Walaa Cooperative Insurance Company provides cooperative insurance and reinsurance products and services in the Kingdom of Saudi Arabia. The company offers motor insurance products, which include commercial and private motor comprehensive, and third party liability policies; travel; medical marketplace; home; shop; SME medical; worker health; and saving and protection insurance products. It also provides property all risk, fire and specified perils property damage, home, and loss of profit/business interruption insurance; engineering insurance products, such as erection and construction all-risk, contractor's plant and machinery/equipment insurance, machinery breakdown insurance (MBD), loss of profit following MBD, and deterioration of stock following MBD; marine insurance products, including marine cargo and hull insurance policies; medical insurance; and accident and liability insurance, as well as security and private protection, energy downstream, plastic card, fidelity guarantee, and trade credit insurance. Walaa Cooperative Insurance Company was formerly known as Saudi United Cooperative Insurance Company and changed its name to Walaa Cooperative Insurance Company in May 2017. The company was incorporated in 2007 and is headquartered in Al Khobar, the Kingdom of Saudi Arabia.
Company description, as reported by the company or data provider.
Revenue & earnings trend
FY2021 – FY2025 · reported fiscal years
Walaa Cooperative Insurance Company SJSC reported revenue of 3.3B SAR in FY2025 versus 1.2B SAR in FY2021, a compound +29.3%/yr. Reported net income was −176M SAR in FY2025.
of which total revenue +25.4 pp · buybacks/dilution −10.9 pp
Absolute contributions in percentage points per year; they sum to the EPS growth rate. Start and end points are 3-year averages (details on hover).
8060 screens 62% overvalued. Compare with Berkshire Hathaway Inc →
Peer Group
Insurance - Diversified · 82 stocks
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.
Valuation Multiples vs Insurance - Diversified median · lower = cheaper
Snowflake
Five quick dimensions, each 0 to 100: VALUE (fair-value potential), FUTURE (revenue growth), PAST (return on equity), HEALTH (low debt), DIVIDEND (yield). Green = this stock, grey = typical sector peer.
VALUE 0: the price sits above our fair-value range.
Values & ESG
Does this company touch areas you may want to avoid? The classification is inferred from sector and industry.
ESG scores are not available for this stock yet. Values and ESG data are contextual and can differ between providers.
Similar stocks
10 more Insurance - Diversified stocks, each showing price versus our Fair Value estimate (as of Aug 13, 2026).
| Stock | Price | Fair Value | vs Fair Value |
|---|---|---|---|
| Berkshire Hathaway Inc BRKB | 8,562 MXN | 10,429 MXN | +22% |
| Allianz SE ALV | €437.80 | €266.04 | -39% |
| Zurich Insurance Group ZURN | CHF 589.20 | CHF 392.99 | -33% |
| AXA SA AXAN | 888.28 MXN | 623.98 MXN | -30% |
| Assicurazioni Generali S.p.A G | €43.88 | €13.91 | -68% |
| BB Seguridade Participações S.A BBSE3 | R$36.95 | R$33.94 | -8% |
| Tryg A/S TRYG | kr 151.70 | kr 67.88 | -55% |
| PT Sinar Mas Multiartha Tbk SMMA | 20,175 IDR | 4,617 IDR | -77% |
| ICICI Lombard General Insurance Company ICICIGI | ₹1,635 | ₹589.67 | -64% |
| The New India Assurance Company NIACL | ₹181.09 | ₹128.57 | -29% |
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How we calculate Fair Value
Each company is valued through a stack of independent intrinsic-value models (DCF variants, residual-income, multiples and more), blended into one family-balanced consensus and weighted by how much trustworthy data backs it. A separate quality layer scores the fundamentals. Every input is real reported data, nothing guessed.
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