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Al Sagr Co-operative Insurance Co (8180) fair value: what the stock is really worth

We calculate from audited financials what Al Sagr Co-operative Insurance Co is really worth. The fair value tells you whether the price is too high or too low, the quality score (0 to 100) how solid the business behind it is. 26 models, 37 quality factors, updated daily.

  1. Fair value above price? No
  2. Good quality? No
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Financial Services · SA · ISIN SA11T053VQ13

AS Thin data Sep 13, 2026

Al Sagr Co-operative Insurance Co

8180 · SR

Weakest SetupStrongly overvalued and low quality.

!Fair value 5.87 SAR · Strongly overvalued (−47%)
!Quality 38/100
!Expensive Growth (revenue 5y +9.3 %/yr)
!Loss-making · -8.3% net margin (TTM)
!negative free cash flow
!Trails peers (2/9)
!Narrow moat 15/100
!Evidence only low, so the estimate is less certain
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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

38.42 SAR 8.07 SAR Fair Value 5.87 SAR May 2021 Sep 2026

White line = price, green steps = our fair value per fiscal year, dashed = 300-day average. As of Sep 13, 2026.

How to read this chart

60‑month range 8.07 SAR – 38.42 SAR · fair‑value band 4.38 SAR – 8.75 SAR · the 11.01 SAR price screens above the 5.87 SAR fair value. Dashed = 300-day average. As of Sep 13, 2026.

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Company profile

Al Sagr Cooperative Insurance Company provides insurance products and solutions in the Kingdom of Saudi Arabia, USA, and Singapore. It offers fire, property, and all risks products; marine cargo and hull insurance products; and engineering insurance products comprising contractor's all risks and erection all risks, pressure vessels, and equipment insurance.

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Al Sagr Cooperative Insurance Company provides insurance products and solutions in the Kingdom of Saudi Arabia, USA, and Singapore. It offers fire, property, and all risks products; marine cargo and hull insurance products; and engineering insurance products comprising contractor's all risks and erection all risks, pressure vessels, and equipment insurance. The company also provides liability, medical, medical, motor, engineering, property, and general accident insurance products. The company was founded in 1983 and is based in Dammam, the Kingdom of Saudi Arabia.

Stock analysis

Al Sagr Co-operative Insurance Co (8180) currently trades at 11.01 SAR, while our model-based Fair Value estimate is 5.87 SAR, implying the stock looks roughly 87.7% overvalued today.

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Valuation

How firm this estimate is: it rests on 3 models at a data quality of 95/100, which puts the evidence level at low.

Scenario range: 4.38 SAR (bear) to 8.75 SAR (bull), the price of 11.01 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 38/100 (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 Sagr Co-operative Insurance Co reported revenue of 632M SAR in FY2025 versus 341M SAR in FY2021, a compound +16.6%/yr. Reported net income was −70.3M SAR in FY2025.

Key figures

Market cap 331M SAR (≈ $88.1M) · P/S ratio 0.50 · EPS (TTM) −1.71 SAR · Net margin −11.1% · Return on equity −14.1% · Return on assets (EBIT) −2.8% · Operating margin 1.3% · Revenue (TTM) 623M 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 27% below its 52-week high and 29% above its 52-week low, currently above its 200-day average.

For context, the median of 10 Financial Services peers we cover trades at −14% fair-value upside, at −47%, 8180 screens richer than that median.

Fair Value models

Bear 4.38 SAR Fair Value 5.87 SAR Bull 8.75 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. 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
NCAV (Graham) 5.70 SAR 7.64 SAR 11.40 SAR 51
All 1 models by family
Asset-Based
NCAV (Graham) 5.70 SAR 7.64 SAR 11.40 SAR 51

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Quality Score breakdown

Overall quality 38/100

Of which business quality 45 · Market factors (momentum, volatility) 47

Profitability 34
Margins and returns on capital today
Quality Growth 60
Are margins and returns improving?
Cashflow 18
Earnings quality: real cash, not paper profit
Fin. Strength 92
Balance sheet, leverage, solvency risk
Investment 67
Disciplined investing over empire-building
Low Volatility 81
Calm price path (market factor)
Momentum 39
Price trend over the last 3–12 months (market factor)
52W Momentum 24
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. 33/100
The company is growing, but growth may require heavy reinvestment or weak cash conversion.
Revenue growth 1 year
+36.3%
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.
+15.0%
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.
+9.3%
Revenue growth 15 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.
+6.1%
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.
−26.2% (2020) → −11.3% (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
not computed

8180 screens 88% overvalued. Compare with The Progressive Corporation →

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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 - Property & Casualty · 119 stocks

Beats the industry median on 2/8 measures
Overall it trails its industry peers.
Valuation
Quality Score 41 · Bottom 25%
Fair Value upside −49% · Bottom 25%
Profitability
Return on assets −5% · Bottom 25%
Net margin (TTM) −8% · Bottom 25%
Operating margin (TTM) 1% · Bottom 25%
Growth and dividend
Revenue growth −2% · Bottom 25%

Valuation Multiplesvs Insurance - Property & Casualty median · lower = cheaper

P/B 0.24× · Cheapest 25%
P/S (TTM) 0.13× · Cheapest 25%

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 - Property & Casualty stocks, each showing price versus our Fair Value estimate.

Stock Price Fair Value vs Fair Value
The Progressive Corporation PGR $217.62 $160.25 −26%
Chubb Limited CB $338.25 $234.73 −31%
The Travelers Companies, Inc TRV $375.20 $274.42 −27%
The Allstate Corporation ALL $253.71 $316.11 +25%
The People's Insurance Company 601319 ¥7.83 ¥11.92 +52%
PICC Property and Casualty Company 2328 HK$17.04 HK$23.71 +39%
Intact Financial Corporation IFC C$257.52 C$167.46 −35%
Fairfax Financial Holdings FFH C$2,248 C$2,920 +30%
Cincinnati Financial Corporation CINF $169.80 $146.70 −14%
QBE Insurance Group QBE A$22.68 A$13.78 −39%

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Al Sagr Co-operative Insurance Co · Fair Value
5.87 SAR −88%Fair Value
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Cite: Fair Value Calculator (2026). "Al Sagr Co-operative Insurance Co Fair Value". https://www.fairvalue-calculator.com/stock/8180

Frequently asked questions

Is Al Sagr Co-operative Insurance Co (8180) overvalued or undervalued?
As of Sep 13, 2026, our model estimates a fair value of 5.87 SAR versus a price of 11.01 SAR, about −47% upside (overvalued).
What is the fair value of 8180?
Our model-based fair value for Al Sagr Co-operative Insurance Co is 5.87 SAR (as of Sep 13, 2026), built from audited fundamentals. The current price: 11.01 SAR.
What is the quality score of 8180?
Al Sagr Co-operative Insurance Co has a Quality Score of 38/100. 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 Sagr Co-operative Insurance Co (8180)?
Our model-based price target is the fair value of 5.87 SAR (as of Sep 13, 2026) from 1 valuation models. Cautious scenario 4.38 SAR, optimistic scenario 8.75 SAR. It is a calculation from audited fundamentals, not an analyst target.
What is the Al Sagr Co-operative Insurance Co stock forecast for 2026?
Our models put fair value at 5.87 SAR, about −47% upside versus a price of 11.01 SAR (overvalued). Cautious scenario 4.38 SAR, optimistic scenario 8.75 SAR. The calculation is refreshed regularly with new filings.
What is the revenue of Al Sagr Co-operative Insurance Co (8180)?
Al Sagr Co-operative Insurance Co reported trailing-twelve-month revenue of about 623M SAR (latest available figure, as of Sep 13, 2026).
What is the intrinsic value of Al Sagr Co-operative Insurance Co (8180)?
Intrinsic value and fair value mean the same thing: what the business is worth on its numbers, independent of the share price. For Al Sagr Co-operative Insurance Co it is 5.87 SAR per share (as of Sep 13, 2026), against a price of 11.01 SAR. It is the blended result of 1 valuation models (cash flow, earnings, asset, dividend).
Is Al Sagr Co-operative Insurance Co stock overvalued or undervalued in 2026?
As of Sep 13, 2026, 8180 trades above its calculated fair value: price 11.01 SAR, fair value 5.87 SAR, a gap of about −47% (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 8180?
No. The price is what the market pays today (11.01 SAR); the fair value is what the company's own numbers justify (5.87 SAR). For Al Sagr Co-operative Insurance Co the two are 5.15 SAR per share apart. That gap is exactly why we show both numbers side by side.
How much is Al Sagr Co-operative Insurance Co worth?
The market values Al Sagr Co-operative Insurance Co at about 331M SAR (market capitalisation, as of Sep 13, 2026). Per share that is 11.01 SAR; our models calculate a fair value of 5.87 SAR per share.
What do the bullish and bearish scenarios say about 8180?
Our models span a range for Al Sagr Co-operative Insurance Co: cautious scenario 4.38 SAR, base 5.87 SAR, optimistic 8.75 SAR per share (as of Sep 13, 2026, price 11.01 SAR). The range comes from different growth and margin assumptions, not from analyst opinions.
How solid is the balance sheet of Al Sagr Co-operative Insurance Co (8180)?
Balance-sheet figures for Al Sagr Co-operative Insurance Co (as of Sep 13, 2026): return on equity −14.1%. They feed the Quality Score of 38/100, which measures business quality independently of the share price.
How far is 8180 from its 52-week high?
Al Sagr Co-operative Insurance Co trades at 11.01 SAR, about 27% below its 52-week high of 15.00 SAR and 29% above the low of 8.56 SAR (as of Sep 13, 2026). Distance from the high says nothing about value: that is what the fair value of 5.87 SAR is for.
Which stocks are comparable to Al Sagr Co-operative Insurance Co?
From the same area (Financial Services) we also value The Progressive Corporation, Chubb Limited, The Travelers Companies, Inc, The Allstate Corporation, 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 Sagr Co-operative Insurance Co stock attractive at the current price?
The data as of Sep 13, 2026: price 11.01 SAR, calculated fair value 5.87 SAR (−47%), Quality Score 38/100, 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 8180 calculated?
We run Al Sagr Co-operative Insurance Co 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 5.87 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 15.8 % above its aggregate fair value. Al Sagr Co-operative Insurance Co 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 should I pay attention to with Al Sagr Co-operative Insurance Co right now?
The price sits above even our optimistic bull case (8.75 SAR). The favourable scenario is already priced in. Weak quality (38/100) and above fair value at the same time, the margin of safety is missing on both counts. The large gap to fair value rests on thin data (low evidence): fewer applicable models and a shorter history. Read it with extra caution. A fairly wide model range (4.38 SAR to 8.75 SAR) leaves room in how you read the outcome.

Key figures of Al Sagr Co-operative Insurance Co

How large is the market capitalisation of Al Sagr Co-operative Insurance Co (8180)?
The market capitalisation of Al Sagr Co-operative Insurance Co is 331M SAR (≈ $88.1M). 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 Sagr Co-operative Insurance Co (8180)?
The price-to-sales ratio of Al Sagr Co-operative Insurance Co is 0.50 (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 Sagr Co-operative Insurance Co (8180)?
Earnings per share at Al Sagr Co-operative Insurance Co are −1.71 SAR. Earnings per share over the last twelve months: total profit spread across every single share.
What is the net margin of Al Sagr Co-operative Insurance Co (8180)?
The net margin of Al Sagr Co-operative Insurance Co is −11.1% (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 Al Sagr Co-operative Insurance Co (8180)?
The return on equity (ROE) of Al Sagr Co-operative Insurance Co is −14.1% (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 Sagr Co-operative Insurance Co (8180)?
On an EBIT basis the return on assets of Al Sagr Co-operative Insurance Co is −2.8% (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 Al Sagr Co-operative Insurance Co (8180)?
The operating margin of Al Sagr Co-operative Insurance Co is 1.3% (last twelve months). Profit from the core business (before interest and taxes) relative to revenue.
How fast is revenue growing at Al Sagr Co-operative Insurance Co (8180)?
Revenue at Al Sagr Co-operative Insurance Co is growing −2.4% versus a year earlier (3y avg +15.0%). 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 Sagr Co-operative Insurance Co (8180)?
Earnings per share at Al Sagr Co-operative Insurance Co are growing −31.4% versus a year earlier. How much earnings per share grew versus a year earlier.
How much free cash flow does Al Sagr Co-operative Insurance Co (8180) generate?
The free cash flow of Al Sagr Co-operative Insurance Co is −93.9M 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 Sagr Co-operative Insurance Co (8180) hold?
Al Sagr Co-operative Insurance Co holds more cash than debt, 198M SAR net (fiscal year 2025). The company holds more cash than debt, a safety cushion.
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