Saudi Arabian Cooperative Insurance (8100) fair value: what the stock is really worth
As of Oct 1, 2026: fair value of Saudi Arabian Cooperative Insurance SAR 9.68, price SAR 9.62, upside +0.6%, quality 47 out of 100. 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, dashed = 300-day average. As of Sep 27, 2026.
How to read this chart
60‑month range 8.43 SAR – 24.28 SAR · fair‑value band 8.15 SAR – 13.33 SAR · the 9.62 SAR price screens below the 9.68 SAR fair value. Green steps = our fair value per fiscal year (point-in-time, no hindsight). 3 fiscal years are left out: there the valuation rested on only a fraction of the usual models. Dashed = 300-day average. As of Sep 27, 2026.
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Saudi Arabian Cooperative Insurance Company operates as an insurance business in Saudi Arabia.
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Saudi Arabian Cooperative Insurance Company operates as an insurance business in Saudi Arabia. It provides personal, SME, and corporate insurance products, including motor, visitor visa extension, medical malpractice, medical, property, personal accident, medical, property, professional indemnity, personal accidents, group life, liability, marine, engineering, cybersecurity, and group credit life insurance products, as well as various other insurance policies. The company also offers protection and savings, and other insurance classes. The company was founded in 1952 and is headquartered in Riyadh, Saudi Arabia.
Stock analysis
Saudi Arabian Cooperative Insurance (8100) currently trades at 9.62 SAR, while our model-based Fair Value estimate is 9.68 SAR, so the stock looks roughly fairly valued today (gap 0.6%).
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Valuation
Bull case: the Multiples group reads highest at a median of 9.61 SAR per share, and 1 of the 4 models we run sit above the 9.62 SAR price.
Bear case: the Asset-Based group reads lowest at 9.27 SAR, and 3 of the 4 models stay below the price. Evidence for this calculation is medium.
Scenario range: 8.15 SAR (bear) to 13.33 SAR (bull), the price of 9.62 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 47/100 (below-average quality), in the Financial Services sector.
Mixed Growth: Revenue is growing, but margins or cash flow do not fully confirm the trend.
Saudi Arabian Cooperative Insurance reported revenue of 1.2B SAR in FY2025 versus 605M SAR in FY2021, a compound +18.4%/yr. Reported net income was 22.2M SAR in FY2025.
Key figures
Market cap 289M SAR (≈ $76.9M) · P/E ratio 13.5 · P/S ratio 0.25 · EPS (TTM) 0.7100 SAR · Net margin 1.9% · Return on equity 5.1% · Return on assets (EBIT) 0.0% · Operating margin 5.4%.
Competitive moat
Our AI-assisted moat analysis scores the competitive advantage at 42 out of 100 (low confidence).
What moves the price
The share trades about 33% below its 52-week high and 14% above its 52-week low, currently below its 200-day average.
For context, the median of 10 Financial Services peers we cover trades at −24% fair-value upside, at 1%, 8100 screens cheaper than that median.
Fair Value models
Bear 8.15 SARFair Value 9.68 SARBull 13.33 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. Based on fiscal year 2025 figures (about 9 months old). Earnings retained since then (0.5330 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.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.
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.76/100
Revenue is growing, but margins or cash flow do not fully confirm the trend.
Revenue growth 1 year
+69.4%
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.
+19.7%
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.
+15.7%
Start year 2020 (pandemic). Over 10 years: +6.1% 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.
+44.0%
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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.
−14.1%
Earnings growth per share plus dividend.
Earnings per share, growth per year−14.1%
Dividend (yield on the price)0.0%
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.−14.1% vs −5.7%, slowing
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.10% → 2%
Start year 2020 (pandemic)
Growth Forecast
Little optimism in the price
The price assumes less growth than the company has delivered so far.
What the price assumes ⓘThis turns our valuation around: instead of asking what the share is worth, it asks what growth the current price requires. It uses the cash the company keeps after all spending (free cash flow), the same discount rate as our models, five years of growth, then slowing evenly to 2 % a year by year ten. Compared with the analysts' sales forecasts extended to the same five years (at least three analysts, for context only, it does not enter the Fair Value): within 3 percentage points counts as "in line" (amber), below that little optimism (green), above that a lot of optimism (red).
−18.4%
Yearly growth needed for the next five years to justify today's price.
What forecasts expect
n/a
No analyst forecast available.
After inflation (Saudi Arabia: IMF forecast 2.1% a year to 2030, 1.7% from 2016 to 2025) that is about −20.1% a year for the price.
Compare Saudi Arabian Cooperative Insurance 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 - Diversified · 83 stocks
Beats the industry median on 5/12 measures
A mixed picture versus its industry peers.
Valuation
Quality Score46 · Bottom 25%
Fair Value upside+0.0% · Above median
Profitability
Return on equity (TTM)5.1% · Bottom 25%
Return on assets0.7% · Bottom 25%
Net margin (TTM)2.6% · Bottom 25%
Operating margin (TTM)5.4% · Below median
Growth and dividend
Revenue growth49.5% · Top 25%
Valuation Multiplesvs Insurance - Diversified median · lower = cheaper
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Cite: Fair Value Calculator (2026). "Saudi Arabian Cooperative Insurance Fair Value". https://www.fairvalue-calculator.com/stock/8100
Frequently asked questions
Is Saudi Arabian Cooperative Insurance (8100) overvalued or undervalued?
As of Sep 27, 2026, our model estimates a fair value of 9.68 SAR versus a price of 9.62 SAR, about +1% upside (fairly valued).
What is the fair value of 8100?
Our model-based fair value for Saudi Arabian Cooperative Insurance is 9.68 SAR (as of Sep 27, 2026), built from audited fundamentals. The current price: 9.62 SAR.
What is the quality score of 8100?
Saudi Arabian Cooperative Insurance has a Quality Score of 47/100. 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 Saudi Arabian Cooperative Insurance (8100)?
Our model-based price target is the fair value of 9.68 SAR (as of Sep 27, 2026) from 4 valuation models. Cautious scenario 8.15 SAR, optimistic scenario 13.33 SAR. It is a calculation from audited fundamentals, not an analyst target.
What is the Saudi Arabian Cooperative Insurance stock forecast for 2026?
Our models put fair value at 9.68 SAR, about +1% upside versus a price of 9.62 SAR (fairly valued). Cautious scenario 8.15 SAR, optimistic scenario 13.33 SAR. The calculation is refreshed regularly with new filings.
What is the revenue of Saudi Arabian Cooperative Insurance (8100)?
Saudi Arabian Cooperative Insurance reported trailing-twelve-month revenue of about 826M SAR (latest available figure, as of Sep 27, 2026).
What growth is priced into Saudi Arabian Cooperative Insurance (8100)?
For today's price to be fair in a discounted-cash-flow model, Saudi Arabian Cooperative Insurance would have to grow free cash flow by -18.4 % per year for five years (discount rate 11.8 %, then slowing evenly to 2 % perpetual growth by year ten). Over the last 5 years revenue grew +15.7 % per year. As of Sep 27, 2026.
What discount rate (WACC) does the fair value of 8100 use?
Our models discount Saudi Arabian Cooperative Insurance at 11.8 %: a base by market capitalisation (micro), damped by beta 0.18, country premium for Saudi Arabia. The same rate applies in all 26 models.
What is a reverse DCF?
A reverse DCF turns the usual calculation around. Instead of deriving a value from assumptions, it takes today's price as given and asks: what free-cash-flow growth would a company have to deliver for exactly this price to be fair? The result is not a forecast but the expectation already priced in. For Saudi Arabian Cooperative Insurance that is -18.4 % per year a year over ten years, using the same discount rate (11.8 %) and the same formula as our fair value.
How much growth has Saudi Arabian Cooperative Insurance (8100) delivered so far?
Over the past 5 years revenue at Saudi Arabian Cooperative Insurance grew +15.7 % a year. The price currently implies -18.4 % per year free-cash-flow growth a year. Comparing the two shows how much confidence is in the price: if it demands more than has been delivered, the business has to accelerate for the maths to work.
How fast is the sector of Saudi Arabian Cooperative Insurance (8100) growing?
The median revenue growth in the sector is +9.1 % a year. That is the yardstick for the growth priced into Saudi Arabian Cooperative Insurance (-18.4 % per year a year): it shows whether the expectation is within the usual range or beyond it.
What is the free cash flow yield of Saudi Arabian Cooperative Insurance (8100)?
The free-cash-flow yield on the price is 3.45 %: that much free cash flow Saudi Arabian Cooperative Insurance produces per unit of market value. When it exceeds the discount rate of our models (11.8 %), the business already earns more than its cost of capital demands, and the price needs little additional growth.
What is the intrinsic value of Saudi Arabian Cooperative Insurance (8100)?
Intrinsic value and fair value mean the same thing: what the business is worth on its numbers, independent of the share price. For Saudi Arabian Cooperative Insurance it is 9.68 SAR per share (as of Sep 27, 2026), against a price of 9.62 SAR. It is the blended result of 4 valuation models (cash flow, earnings, asset, dividend).
Is Saudi Arabian Cooperative Insurance stock overvalued or undervalued in 2026?
As of Sep 27, 2026, 8100 trades below its calculated fair value: price 9.62 SAR, fair value 9.68 SAR, a gap of about +1% (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 8100?
No. The price is what the market pays today (9.62 SAR); the fair value is what the company's own numbers justify (9.68 SAR). For Saudi Arabian Cooperative Insurance the two are 0.0600 SAR per share apart. That gap is exactly why we show both numbers side by side.
How much is Saudi Arabian Cooperative Insurance worth?
The market values Saudi Arabian Cooperative Insurance at about 289M SAR (market capitalisation, as of Sep 27, 2026). Per share that is 9.62 SAR; our models calculate a fair value of 9.68 SAR per share.
What do the bullish and bearish scenarios say about 8100?
Our models span a range for Saudi Arabian Cooperative Insurance: cautious scenario 8.15 SAR, base 9.68 SAR, optimistic 13.33 SAR per share (as of Sep 27, 2026, price 9.62 SAR). The range comes from different growth and margin assumptions, not from analyst opinions.
What is the P/E ratio of 8100?
Saudi Arabian Cooperative Insurance trades at a price-to-earnings ratio of 13.5 (as of Sep 27, 2026). A P/E on its own says little: it compares the price with ONE year of profit, while our fair value of 9.68 SAR is built from several models across several years. Other multiples: P/B 0.7, P/S 0.4, EV/EBITDA 3.8.
How solid is the balance sheet of Saudi Arabian Cooperative Insurance (8100)?
Balance-sheet figures for Saudi Arabian Cooperative Insurance (as of Sep 27, 2026): return on equity 5.1%. They feed the Quality Score of 47/100, which measures business quality independently of the share price.
How far is 8100 from its 52-week high?
Saudi Arabian Cooperative Insurance trades at 9.62 SAR, about 33% below its 52-week high of 14.30 SAR and 14% above the low of 8.43 SAR (as of Oct 1, 2026). Distance from the high says nothing about value: that is what the fair value of 9.68 SAR is for.
Which stocks are comparable to Saudi Arabian Cooperative Insurance?
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 Saudi Arabian Cooperative Insurance stock attractive at the current price?
The data as of Sep 27, 2026: price 9.62 SAR, calculated fair value 9.68 SAR (+1%), Quality Score 47/100, 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 8100 calculated?
We run Saudi Arabian Cooperative Insurance 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 9.68 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. Saudi Arabian Cooperative Insurance currently trades 1 % 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 Saudi Arabian Cooperative Insurance (8100)?
The closing price on Oct 1, 2026 was 9.62 SAR. Our model-based fair value is 9.68 SAR, about +1% upside (fairly valued). We carry closing prices from our data provider, not a live tick.
What should I pay attention to with Saudi Arabian Cooperative Insurance 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.
Where does the earnings growth of Saudi Arabian Cooperative Insurance (8100) come from?
Earnings per share at Saudi Arabian Cooperative Insurance grew +1.4 % a year from 2014 to 2025. Broken into its drivers: revenue per share +3.0 %, EBIT margin −1.6 %, tax rate +0.0 %, 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 Saudi Arabian Cooperative Insurance
How large is the market capitalisation of Saudi Arabian Cooperative Insurance (8100)?
The market capitalisation of Saudi Arabian Cooperative Insurance is 289M SAR (≈ $76.9M). 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 Saudi Arabian Cooperative Insurance (8100)?
The price-to-sales ratio of Saudi Arabian Cooperative Insurance is 0.25 (P/E × margin). Price to sales: market value relative to yearly revenue. Useful when profit is thin or distorted.
What are the earnings per share of Saudi Arabian Cooperative Insurance (8100)?
Earnings per share at Saudi Arabian Cooperative Insurance are 0.7100 SAR (price ÷ EPS = P/E 13.5). Earnings per share over the last twelve months: total profit spread across every single share.
What is the net margin of Saudi Arabian Cooperative Insurance (8100)?
The net margin of Saudi Arabian Cooperative Insurance is 1.9% (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 Saudi Arabian Cooperative Insurance (8100)?
The return on equity (ROE) of Saudi Arabian Cooperative Insurance is 5.1% (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 Saudi Arabian Cooperative Insurance (8100)?
On an EBIT basis the return on assets of Saudi Arabian Cooperative Insurance is 0.0% (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 Saudi Arabian Cooperative Insurance (8100)?
The operating margin of Saudi Arabian Cooperative Insurance is 5.4% (last twelve months). Profit from the core business (before interest and taxes) relative to revenue.
How fast is revenue growing at Saudi Arabian Cooperative Insurance (8100)?
Revenue at Saudi Arabian Cooperative Insurance is growing +49.5% versus a year earlier (3y avg +19.7%). 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 Saudi Arabian Cooperative Insurance (8100)?
Earnings per share at Saudi Arabian Cooperative Insurance are growing −8.1% versus a year earlier. How much earnings per share grew versus a year earlier.
How much net cash does Saudi Arabian Cooperative Insurance (8100) hold?
Saudi Arabian Cooperative Insurance holds more cash than debt, 180M SAR net (fiscal year 2025). The company holds more cash than debt, a safety cushion.
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