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Walaa Cooperative Insurance Company SJSC (8060) fair value: what the stock is really worth

As of Oct 1, 2026: fair value of Walaa Cooperative Insurance Company SJSC SAR 8.58, price SAR 10.60, upside -19.1%, quality 29 out of 100. Calculated from audited financials with 26 valuation models and 37 quality factors, updated daily.

  1. Fair value above price? No
  2. Good quality? No
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Financial Services · SA · ISIN SA000A0MLUD8

WC Thin data Oct 1, 2026

Walaa Cooperative Insurance Company SJSC

8060 · SR

Weak valuationQuality is weak on top of the rich price.

!Fair value 8.58 SAR · Overvalued (−19.1%)
!Quality 29/100
!Expensive Growth (revenue 5y +30.5 %/yr)
!Loss-making · -1.2% net margin (TTM)
!negative free cash flow
!Mixed vs. peers (4/9)
!Narrow moat 24/100
!Evidence only low, so the estimate is less certain
!Weak on valuation: 8 out of 100
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What runs behind every stock

26 valuation models 8 families, DCF to NCAV 37 quality factors margins, balance sheet, cashflow, debt 6 AI factors moat, what no ratio measures 2,000+ data points verified, per stock, median

69 individual criteria per stock, every one traceable See the method →

Price vs Fair Value

34.20 SAR 8.94 SAR Fair Value 8.58 SAR Jun 2021 Oct 2026

White line = price, green steps = our fair value per fiscal year, dashed = 300-day average. As of Oct 1, 2026.

How to read this chart

60‑month range 8.94 SAR – 34.20 SAR · fair‑value band 7.94 SAR – 9.11 SAR · the 10.60 SAR price screens above the 8.58 SAR fair value. Green steps = our fair value per fiscal year (point-in-time, no hindsight). Dashed = 300-day average. As of Oct 1, 2026.

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Company profile

Walaa Cooperative Insurance Company provides cooperative insurance and reinsurance products and services in the Kingdom of Saudi Arabia.

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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.

Stock analysis

Walaa Cooperative Insurance Company SJSC (8060) currently trades at 10.60 SAR, while our model-based Fair Value estimate is 8.58 SAR, 19.1% below the price, so the stock looks overvalued today.

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Valuation

Bull case: the Multiples group reads highest at a median of 18.78 SAR per share, and 3 of the 6 models we run sit above the 10.60 SAR price.

Bear case: the Asset-Based group reads lowest at 8.82 SAR, and 3 of the 6 models stay below the price. Evidence for this calculation is low.

Scenario range: 7.94 SAR (bear) to 9.11 SAR (bull), the price of 10.60 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 29/100 (below-average quality), in the Financial Services sector.

Expensive Growth: The company is growing, but growth may require heavy reinvestment or weak cash conversion.

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.

Key figures

Market cap 1.4B SAR (≈ $360M) · P/S ratio 1.05 · EPS (TTM) −0.1200 SAR · Net margin −5.4% · Return on equity −0.8% · Return on assets (EBIT) 0.8% · Operating margin 11.2% · Revenue (TTM) 1.3B SAR.

Competitive moat

Our AI-assisted moat analysis scores the competitive advantage at 32 out of 100 (medium confidence).

What moves the price

The share trades about 19% below its 52-week high and 19% above its 52-week low, currently above its 200-day average.

For context, the median of 10 Financial Services peers we cover trades at −24% fair-value upside, at −19%, 8060 screens cheaper than that median.

Fair Value models

Bear 7.94 SAR Fair Value 8.58 SAR Bull 9.11 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. 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. 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.
Highest evidence
EPV 9.05 SAR 9.72 SAR 10.27 SAR 70
ROIC Compounder 9.05 SAR 9.72 SAR 10.27 SAR 70
EV/EBITDA 14.94 SAR 18.52 SAR 22.11 SAR 64
All 6 models by family
Earnings-Based
EPV 9.05 SAR 9.72 SAR 10.27 SAR 70
Multiples
EV/EBIT 15.13 SAR 18.78 SAR 22.43 SAR 63
EV/EBITDA 14.94 SAR 18.52 SAR 22.11 SAR 64
EV/Revenue 15.25 SAR 20.00 SAR 24.74 SAR 52
Asset-Based
NCAV (Graham) 6.58 SAR 8.82 SAR 13.16 SAR 51
Economic Profit
ROIC Compounder 9.05 SAR 9.72 SAR 10.27 SAR 70

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Quality Score breakdown

Overall quality 29/100

Of which business quality 35 · Market factors (momentum, volatility) 52

Profitability 29
Margins and returns on capital today
Quality Growth 11
Are margins and returns improving?
Cashflow 33
Earnings quality: real cash, not paper profit
Fin. Strength 68
Balance sheet, leverage, solvency risk
Investment 66
Disciplined investing over empire-building
Low Volatility 75
Calm price path (market factor)
Momentum 47
Price trend over the last 3–12 months (market factor)
52W Momentum 34
Distance to the 52-week high (market factor)
Net Issuance 0
Share count: buybacks or dilution?

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Revenue & earnings trend

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. 38/100
The company is growing, but growth may require heavy reinvestment or weak cash conversion.
Revenue growth 1 year
−9.2%
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.
+32.0%
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.
+30.5%
Start year 2020 (pandemic). Over 10 years: +21.7% a year
Revenue growth 16 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.
+29.9%
Profit margin (trend) ⓘ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% (2019) → 2.3% (2024)
What shareholders gained per year ⓘWe only publish this rate when it is defensible. Reason: fiscal 2025 is a loss year, no rate is defined from a loss
not computed

8060 screens overvalued: fair value 19% below the price. Compare with Allianz SE →

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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 - Diversified · 83 stocks

Beats the industry median on 4/8 measures
A mixed picture versus its industry peers.
Valuation
Quality Score 31 · Bottom 25%
Fair Value upside −19.1% · Above median
Profitability
Return on assets 0.0% · Bottom 25%
Net margin (TTM) −1.2% · Bottom 25%
Operating margin (TTM) 11.2% · Above median
Growth and dividend
Revenue growth −24.6% · Bottom 25%

Valuation Multiplesvs Insurance - Diversified median · lower = cheaper

P/B 0.21× · Cheapest 25%
P/S (TTM) 0.28× · Cheapest 25%

Strength profile in five axes (Snowflake)

VALUEFUTUREPASTHEALTHDIVIDEND
This stock
VALUEFUTUREPASTHEALTHDIVIDEND
Sector peers
VALUE (fair-value potential)8 · sector 8
FUTURE (revenue growth)0 · sector 41
PAST (return on equity)0 · sector 49
HEALTH (low debt)0 · sector 89
DIVIDEND (yield)0 · sector 77

Context: sector, industry, market

Values & ESG

Does this company touch areas you may want to avoid? The classification is inferred from sector and industry.

None of the checked exposures detected

Similar stocks

10 more Insurance - Diversified stocks, each showing price versus our Fair Value estimate.

Stock Price Fair Value vs Fair Value
Allianz SE ALV €423.50 €229.84 −46%
AXA SA CS €44.00 €36.28 −18%
Zurich Insurance Group ZURN CHF 581.20 CHF 325.51 −44%
Assicurazioni Generali S.p.A G €42.75 €10.92 −74%
Sun Life Financial Inc SLF $79.48 $41.03 −48%
American International Group AIG $74.17 $71.58 −3%
Talanx AG TLX €120.80 €91.88 −24%
The Hartford Insurance Group HIG $126.04 $115.03 −9%
Arch Capital Group ACGL $94.66 $127.51 +35%
Swiss Life Holding SLHN CHF 915.80 CHF 413.93 −55%

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Walaa Cooperative Insurance Company SJSC · Fair Value
8.58 SAR −19%Fair Value
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Cite: Fair Value Calculator (2026). "Walaa Cooperative Insurance Company SJSC Fair Value". https://www.fairvalue-calculator.com/stock/8060

Frequently asked questions

Is Walaa Cooperative Insurance Company SJSC (8060) overvalued or undervalued?
As of Oct 1, 2026, our model estimates a fair value of 8.58 SAR versus a price of 10.60 SAR, about −19% upside (overvalued).
What is the fair value of 8060?
Our model-based fair value for Walaa Cooperative Insurance Company SJSC is 8.58 SAR (as of Oct 1, 2026), built from audited fundamentals. The current price: 10.60 SAR.
What is the quality score of 8060?
Walaa Cooperative Insurance Company SJSC has a Quality Score of 29/100. 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 Walaa Cooperative Insurance Company SJSC (8060)?
Our model-based price target is the fair value of 8.58 SAR (as of Oct 1, 2026) from 6 valuation models. Cautious scenario 7.94 SAR, optimistic scenario 9.11 SAR. It is a calculation from audited fundamentals, not an analyst target.
What is the Walaa Cooperative Insurance Company SJSC stock forecast for 2026?
Our models put fair value at 8.58 SAR, about −19% upside versus a price of 10.60 SAR (overvalued). Cautious scenario 7.94 SAR, optimistic scenario 9.11 SAR. The calculation is refreshed regularly with new filings.
What is the revenue of Walaa Cooperative Insurance Company SJSC (8060)?
Walaa Cooperative Insurance Company SJSC reported trailing-twelve-month revenue of about 1.3B SAR (latest available figure, as of Oct 1, 2026).
What is the intrinsic value of Walaa Cooperative Insurance Company SJSC (8060)?
Intrinsic value and fair value mean the same thing: what the business is worth on its numbers, independent of the share price. For Walaa Cooperative Insurance Company SJSC it is 8.58 SAR per share (as of Oct 1, 2026), against a price of 10.60 SAR. It is the blended result of 6 valuation models (cash flow, earnings, asset, dividend).
Is Walaa Cooperative Insurance Company SJSC stock overvalued or undervalued in 2026?
As of Oct 1, 2026, 8060 trades above its calculated fair value: price 10.60 SAR, fair value 8.58 SAR, a gap of about −19% (overvalued). 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 8060?
No. The price is what the market pays today (10.60 SAR); the fair value is what the company's own numbers justify (8.58 SAR). For Walaa Cooperative Insurance Company SJSC the two are 2.02 SAR per share apart. That gap is exactly why we show both numbers side by side.
How much is Walaa Cooperative Insurance Company SJSC worth?
The market values Walaa Cooperative Insurance Company SJSC at about 1.4B SAR (market capitalisation, as of Oct 1, 2026). Per share that is 10.60 SAR; our models calculate a fair value of 8.58 SAR per share.
What do the bullish and bearish scenarios say about 8060?
Our models span a range for Walaa Cooperative Insurance Company SJSC: cautious scenario 7.94 SAR, base 8.58 SAR, optimistic 9.11 SAR per share (as of Oct 1, 2026, price 10.60 SAR). The range comes from different growth and margin assumptions, not from analyst opinions.
How solid is the balance sheet of Walaa Cooperative Insurance Company SJSC (8060)?
Balance-sheet figures for Walaa Cooperative Insurance Company SJSC (as of Oct 1, 2026): return on equity −0.8%. They feed the Quality Score of 29/100, which measures business quality independently of the share price.
How far is 8060 from its 52-week high?
Walaa Cooperative Insurance Company SJSC trades at 10.60 SAR, about 19% below its 52-week high of 13.03 SAR and 19% above the low of 8.94 SAR (as of Oct 1, 2026). Distance from the high says nothing about value: that is what the fair value of 8.58 SAR is for.
Which stocks are comparable to Walaa Cooperative Insurance Company SJSC?
From the same area (Financial Services) we also value Allianz SE, AXA SA, Zurich Insurance Group, Assicurazioni Generali S.p.A, 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 Walaa Cooperative Insurance Company SJSC stock attractive at the current price?
The data as of Oct 1, 2026: price 10.60 SAR, calculated fair value 8.58 SAR (−19%), Quality Score 29/100, 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 8060 calculated?
We run Walaa Cooperative Insurance Company SJSC 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 8.58 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 14.7 % above its aggregate fair value. Walaa Cooperative Insurance Company SJSC 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 is the share price of Walaa Cooperative Insurance Company SJSC (8060)?
The closing price on Oct 1, 2026 was 10.60 SAR. Our model-based fair value is 8.58 SAR, about −19% upside (overvalued). We carry closing prices from our data provider, not a live tick.
What should I pay attention to with Walaa Cooperative Insurance Company SJSC right now?
The price sits above even our optimistic bull case (9.11 SAR). The favourable scenario is already priced in. Weak quality (29/100) and above fair value at the same time, the margin of safety is missing on both counts. The models converge in a tight band (7.94 SAR to 9.11 SAR), unusually little disagreement for a valuation. Evidence is limited here (fewer models, shorter history), so the fair value is a rougher estimate than usual.
Where does the earnings growth of Walaa Cooperative Insurance Company SJSC (8060) come from?
Earnings per share at Walaa Cooperative Insurance Company SJSC grew −3.6 % a year from 2014 to 2025. Broken into its drivers: revenue per share +14.5 %, EBIT margin −14.4 %, tax rate −1.7 %, residual (interest, one-offs) +0.0 %. 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 Walaa Cooperative Insurance Company SJSC

How large is the market capitalisation of Walaa Cooperative Insurance Company SJSC (8060)?
The market capitalisation of Walaa Cooperative Insurance Company SJSC is 1.4B SAR (≈ $360M). 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 Walaa Cooperative Insurance Company SJSC (8060)?
The price-to-sales ratio of Walaa Cooperative Insurance Company SJSC is 1.05 (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 Walaa Cooperative Insurance Company SJSC (8060)?
Earnings per share at Walaa Cooperative Insurance Company SJSC are −0.1200 SAR. Earnings per share over the last twelve months: total profit spread across every single share.
What is the net margin of Walaa Cooperative Insurance Company SJSC (8060)?
The net margin of Walaa Cooperative Insurance Company SJSC is −5.4% (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 Walaa Cooperative Insurance Company SJSC (8060)?
The return on equity (ROE) of Walaa Cooperative Insurance Company SJSC is −0.8% (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 Walaa Cooperative Insurance Company SJSC (8060)?
On an EBIT basis the return on assets of Walaa Cooperative Insurance Company SJSC is 0.8% (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 Walaa Cooperative Insurance Company SJSC (8060)?
The operating margin of Walaa Cooperative Insurance Company SJSC is 11.2% (last twelve months). Profit from the core business (before interest and taxes) relative to revenue.
How fast is revenue growing at Walaa Cooperative Insurance Company SJSC (8060)?
Revenue at Walaa Cooperative Insurance Company SJSC is growing −24.6% versus a year earlier (3y avg +32.0%). 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 Walaa Cooperative Insurance Company SJSC (8060)?
Earnings per share at Walaa Cooperative Insurance Company SJSC are growing −49.5% versus a year earlier. How much earnings per share grew versus a year earlier.
How much free cash flow does Walaa Cooperative Insurance Company SJSC (8060) generate?
The free cash flow of Walaa Cooperative Insurance Company SJSC is −461M 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 Walaa Cooperative Insurance Company SJSC (8060) hold?
Walaa Cooperative Insurance Company SJSC holds more cash than debt, 520M SAR net (fiscal year 2025). The company holds more cash than debt, a safety cushion.
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