Saudi Arabian Cooperative Insurance (8100) Fair Value & Analysis
Financial Services · SA · Market cap 299M SAR
Fair value as of: Aug 13, 2026
From 4 valuation models · updated 3 days ago
Fair value updated Aug 13, 2026, revised from 9.61 SAR to 10.86 SAR (+13.0%) since Jul 31, 2026. Share price +5.3% over the past month.
Below-average quality, currently priced close to our fair value.
What matters 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.
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 8.43 SAR – 24.28 SAR · fair‑value band 8.15 SAR – 13.57 SAR · the 11.08 SAR price screens above the 10.86 SAR fair value. Green steps = our fair value per fiscal year (point-in-time, no hindsight). Dashed = 300-day average. As of Aug 13, 2026.
Analysis
Saudi Arabian Cooperative Insurance (8100) currently trades at 11.08 SAR, while our model-based Fair Value estimate is 10.86 SAR, implying the stock looks roughly 2.0% fairly valued today. The Quality Score stands at 47/100 (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: high).
Over the trailing twelve months, Saudi Arabian Cooperative Insurance generated revenue of 826M SAR at a net margin of 2.6%. Revenue grew 49.5% year over year. It earns a return on equity of 5.1%. The balance sheet holds a net cash position of 180M SAR. Fundamentals as of Aug 13, 2026
Our scenario range runs from 8.15 SAR (bear case) to 13.57 SAR (bull case); at 11.08 SAR, the current price sits within 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 28% below its 52-week high and 32% 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 -2%, 8100 screens cheaper 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 4 models by family
Widest divergence: Multiples (9.61 SAR) versus Asset-Based (9.27 SAR). Highest evidence: P/E Multiple (63).
Notify me when 8100 reaches fair value
Free. You confirm by email (double opt-in) and can unsubscribe anytime in one click.
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 44 · Market factors (momentum, volatility) 46
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
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, …
Full company description
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.
Company description, as reported by the company or data provider.
Revenue & earnings trend
FY2021 – FY2025 · reported fiscal years
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.
of which total revenue +4.8 pp · buybacks/dilution −1.8 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).
Watch 8100: get an alert when its fair value changes →
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.
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% |
Compare Saudi Arabian Cooperative Insurance with another stock
Price, fair value, quality and upside side by side.
Explore undervalued stocks
More undervalued Financial Services stocks →
Frequently asked questions
Is Saudi Arabian Cooperative Insurance (8100) overvalued or undervalued?
What is the fair value of 8100?
What is the quality score of 8100?
What is the revenue of Saudi Arabian Cooperative Insurance (8100)?
What is the net profit margin of 8100?
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.
Track Saudi Arabian Cooperative Insurance and try Pro for 14 days
One email gets you 14 days of full Pro (review alerts, the 35,000+ stock screener, the diversification check) plus the monthly Top-25 report of the most undervalued quality stocks. No card, cancel anytime.
Zero risk: nothing is ever charged. After 14 days you decide whether to stay.