Al Etihad Cooperative Insurance Co SJSC (8170) fair value: what the stock is really worth
As of Oct 28, 2026: fair value (intrinsic value) of Al Etihad Cooperative Insurance Co SJSC stock SAR 5.81, price SAR 5.85, upside -0.7%, quality 45 out of 100. Rating: fairly valued. Calculated from audited financials with 26 valuation models and 37 quality factors, updated daily.
Fair value 30%+ above price?No
Quality 50+?No
In an uptrend?No
Keep an eye on it?Free in your watchlist: 5 stocks without an account, 10 with oneYes, for free
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Price vs Fair Value
White line = price, green steps = our fair value per fiscal year. As of Oct 28, 2026.
How to read this chart
60‑month range 5.47 SAR – 23.49 SAR · fair‑value band 4.34 SAR – 8.67 SAR · the 5.85 SAR price screens above the 5.81 SAR fair value. Green steps = our fair value per fiscal year (point-in-time, no hindsight). As of Oct 28, 2026.
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Al-Etihad Cooperative Insurance Company engages in insurance operations in the Kingdom of Saudi Arabia. It offers non-life insurance to individuals and businesses, such as medical, motor, engineering, property and casualty, general accident, marine, and other products.
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The company was incorporated in 2008 and is headquartered in Dhahran, the Kingdom of Saudi Arabia.
Stock analysis
Al Etihad Cooperative Insurance Co SJSC (8170) currently trades at 5.85 SAR, while our model-based Fair Value estimate is 5.81 SAR, so the stock looks roughly fairly valued today (gap 0.7%).
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Valuation
How firm this estimate is: it rests on 1 models at a data quality of 95/100, which puts the data coverage at low.
Scenario range: 4.34 SAR (bear) to 8.67 SAR (bull), the price of 5.85 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 45/100 (below-average quality), in the Financial Services sector.
Expensive Growth: The company is growing, but growth may require heavy reinvestment or weak cash conversion.
Al Etihad Cooperative Insurance Co SJSC reported revenue of 1.2B SAR in FY2025 versus 796M SAR in FY2021, a compound +10.6%/yr. Reported net income was −244M SAR in FY2025.
Key figures
Market cap 292M SAR (≈ $78.0M) Micro · P/S ratio 0.25 · EPS (TTM) −5.22 SAR · Dividend yield 10.3% · Net margin −22.1% · Return on equity −54.1% · Return on assets (EBIT) −1.1% · Operating margin −16.7%.
Competitive moat
Our AI-assisted moat analysis scores the competitive advantage at 12 out of 100 (medium confidence).
What moves the price
The share trades about 46% below its 52-week high and 7% above its 52-week low, currently below its 200-day average.
For context, the median of 10 Financial Services peers we cover trades at −27% fair-value upside, at −1%, 8170 screens cheaper than that median.
Fair Value models
Bear4.34 SARFair Value 5.81 SARBull8.67 SAR
Price 5.85 SAR · Upside -0.7%
Model ⓘEach model values the company its own way (discounted cash flow, earnings, assets, dividends). The fair value above starts from their evidence-weighted blend, not from a single model. In cyclical trough or peak years, after dilution or a stock split it is adjusted afterwards, so it can sit above or below the models.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.Coverage ⓘCoverage = 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.32/100
The company is growing, but growth may require heavy reinvestment or weak cash conversion.
Revenue growth 1 year
−12.8%
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.
+5.0%
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.
+11.5%
Start year 2020 (pandemic). Over 10 years: +7.0% a year
Revenue growth 19 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.
+14.2%
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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.
5.8% (2020) → −19.5% (2025)
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
Compare Al Etihad Cooperative Insurance Co SJSC 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 · 80 stocks
Beats the industry median on 4/9 measures
A mixed picture versus its industry peers.
Valuation
Quality Score45 · Bottom 25%
Fair Value upside−0.7% · Above median
Profitability
Return on assets−20.4% · Bottom 25%
Net margin (12 months)−22.1% · Bottom 25%
Operating margin (12 months)−16.7% · Bottom 25%
Growth and dividend
Revenue growth (quarter YoY)−4.3% · Bottom 25%
Dividend yield (12 months)10.3% · Top 25%
Valuation Multiplesvs Insurance - Diversified median · lower = cheaper
For bloggers, editors and developers: paste this into your site or blog (a “Custom HTML” block in WordPress), it shows the current fair value and links back here. Free, plain HTML, and welcome. Full data streams (CSV/JSON) at /developers.
Cite: Fair Value Calculator (2026). "Al Etihad Cooperative Insurance Co SJSC Fair Value". https://www.fairvalue-calculator.com/stock/8170
Frequently asked questions
Is Al Etihad Cooperative Insurance Co SJSC (8170) overvalued or undervalued?
As of Oct 28, 2026, our model estimates a fair value of 5.81 SAR versus a price of 5.85 SAR, about −1% upside (fairly valued).
What is the fair value of 8170?
Our model-based fair value for Al Etihad Cooperative Insurance Co SJSC is 5.81 SAR (as of Oct 28, 2026), built from audited fundamentals. The current price: 5.85 SAR.
What is the quality score of 8170?
Al Etihad Cooperative Insurance Co SJSC has a Quality Score of 45/100. 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 Al Etihad Cooperative Insurance Co SJSC (8170)?
Our model-based price target is the fair value of 5.81 SAR (as of Oct 28, 2026) from 1 valuation models. Cautious scenario 4.34 SAR, optimistic scenario 8.67 SAR. It is a calculation from audited fundamentals, not an analyst target.
What is the Al Etihad Cooperative Insurance Co SJSC stock forecast for 2026?
Our models put fair value at 5.81 SAR, about −1% upside versus a price of 5.85 SAR (fairly valued). Cautious scenario 4.34 SAR, optimistic scenario 8.67 SAR. The calculation is refreshed regularly with new filings.
What is the revenue of Al Etihad Cooperative Insurance Co SJSC (8170)?
Al Etihad Cooperative Insurance Co SJSC reported trailing-twelve-month revenue of about 1.2B SAR (latest available figure, as of Oct 28, 2026).
Does Al Etihad Cooperative Insurance Co SJSC pay a dividend?
Al Etihad Cooperative Insurance Co SJSC currently shows a dividend yield of 10.26% relative to its recent price (as of Oct 28, 2026).
What is the intrinsic value of Al Etihad Cooperative Insurance Co SJSC (8170)?
Intrinsic value and fair value mean the same thing: what the business is worth on its numbers, independent of the share price. For Al Etihad Cooperative Insurance Co SJSC it is 5.81 SAR per share (as of Oct 28, 2026), against a price of 5.85 SAR. It is the blended result of 1 valuation models (cash flow, earnings, asset, dividend).
Is Al Etihad Cooperative Insurance Co SJSC stock overvalued or undervalued in 2026?
As of Oct 28, 2026, 8170 trades above its calculated fair value: price 5.85 SAR, fair value 5.81 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 8170?
No. The price is what the market pays today (5.85 SAR); the fair value is what the company's own numbers justify (5.81 SAR). For Al Etihad Cooperative Insurance Co SJSC the two are 0.0400 SAR per share apart. That gap is exactly why we show both numbers side by side.
How much is Al Etihad Cooperative Insurance Co SJSC worth?
The market values Al Etihad Cooperative Insurance Co SJSC at about 292M SAR (market capitalisation, as of Oct 28, 2026). Per share that is 5.85 SAR; our models calculate a fair value of 5.81 SAR per share.
What do the bullish and bearish scenarios say about 8170?
Our models span a range for Al Etihad Cooperative Insurance Co SJSC: cautious scenario 4.34 SAR, base 5.81 SAR, optimistic 8.67 SAR per share (as of Oct 28, 2026, price 5.85 SAR). The range comes from different growth and margin assumptions, not from analyst opinions.
How solid is the balance sheet of Al Etihad Cooperative Insurance Co SJSC (8170)?
Balance-sheet figures for Al Etihad Cooperative Insurance Co SJSC (as of Oct 28, 2026): return on equity −54.1%. They feed the Quality Score of 45/100, which measures business quality independently of the share price.
How far is 8170 from its 52-week high?
Al Etihad Cooperative Insurance Co SJSC trades at 5.85 SAR, about 46% below its 52-week high of 10.82 SAR and 7% above the low of 5.47 SAR (as of Oct 28, 2026). Distance from the high says nothing about value: that is what the fair value of 5.81 SAR is for.
Which stocks are comparable to Al Etihad Cooperative Insurance Co SJSC?
From the same area (Financial Services) we also value Allianz SE, Zurich Insurance Group, AXA SA, 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 Al Etihad Cooperative Insurance Co SJSC stock attractive at the current price?
The data as of Oct 28, 2026: price 5.85 SAR, calculated fair value 5.81 SAR (−1%), Quality Score 45/100, from 1 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 8170 calculated?
We run Al Etihad Cooperative Insurance Co SJSC through 1 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 5.81 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 13.4 % above its aggregate fair value. Al Etihad Cooperative Insurance Co 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 Al Etihad Cooperative Insurance Co SJSC (8170)?
The closing price on Oct 28, 2026 was 5.85 SAR. Our model-based fair value is 5.81 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 Al Etihad Cooperative Insurance Co SJSC right now?
The price sits close to our fair value, market and models broadly agree here, little valuation tension. A fairly wide model range (4.34 SAR to 8.67 SAR) leaves room in how you read the outcome. Evidence is limited here (fewer models, shorter history), so the fair value is a rougher estimate than usual. 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 Al Etihad Cooperative Insurance Co SJSC (8170) come from?
Earnings per share at Al Etihad Cooperative Insurance Co SJSC grew +7.5 % a year from 2015 to 2025. Broken into its drivers: revenue per share +7.1 %, EBIT margin +3.1 %, tax rate −1.5 %, residual (interest, one-offs) −1.1 %. 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 Al Etihad Cooperative Insurance Co SJSC
How large is the market capitalisation of Al Etihad Cooperative Insurance Co SJSC (8170)?
The market capitalisation of Al Etihad Cooperative Insurance Co SJSC is 292M SAR (≈ $78.0M). 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 Al Etihad Cooperative Insurance Co SJSC (8170)?
The price-to-sales ratio of Al Etihad Cooperative Insurance Co SJSC is 0.25 (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 Al Etihad Cooperative Insurance Co SJSC (8170)?
Earnings per share at Al Etihad Cooperative Insurance Co SJSC are −5.22 SAR. Earnings per share over the last twelve months: total profit spread across every single share.
What is the dividend yield of Al Etihad Cooperative Insurance Co SJSC (8170)?
The dividend yield of Al Etihad Cooperative Insurance Co SJSC is 10.3%. Yearly dividend relative to the share price. 3% pays 3 per 100 invested. Below: how much of profit is used for it.
What is the net margin of Al Etihad Cooperative Insurance Co SJSC (8170)?
The net margin of Al Etihad Cooperative Insurance Co SJSC is −22.1% (last twelve months). 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 Al Etihad Cooperative Insurance Co SJSC (8170)?
The return on equity (ROE) of Al Etihad Cooperative Insurance Co SJSC is −54.1% (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 Al Etihad Cooperative Insurance Co SJSC (8170)?
On an EBIT basis the return on assets of Al Etihad Cooperative Insurance Co SJSC is −1.1% (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 Al Etihad Cooperative Insurance Co SJSC (8170)?
The operating margin of Al Etihad Cooperative Insurance Co SJSC is −16.7% (last twelve months). Profit from the core business (before interest and taxes) relative to revenue.
How fast is revenue growing at Al Etihad Cooperative Insurance Co SJSC (8170)?
Revenue at Al Etihad Cooperative Insurance Co SJSC is growing −4.3% versus a year earlier (3y avg +5.0%). 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 Al Etihad Cooperative Insurance Co SJSC (8170)?
Earnings per share at Al Etihad Cooperative Insurance Co SJSC are growing −50.0% versus a year earlier. How much earnings per share grew versus a year earlier.
How much free cash flow does Al Etihad Cooperative Insurance Co SJSC (8170) generate?
The free cash flow of Al Etihad Cooperative Insurance Co SJSC is −237M 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 Al Etihad Cooperative Insurance Co SJSC (8170) hold?
Al Etihad Cooperative Insurance Co SJSC holds more cash than debt, 91.7M SAR net (fiscal year 2025). The company holds more cash than debt, a safety cushion.
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Oct 28, 2026