Al Sagr Co-operative Insurance Co (8180) fair value: what the stock is really worth
As of Oct 28, 2026: fair value (intrinsic value) of Al Sagr Co-operative Insurance Co stock SAR 5.87, price SAR 8.91, upside -34.2%, quality 45 out of 100. Rating: overvalued. Calculated from audited financials with 26 valuation models and 37 quality factors, updated daily.
Keep an eye on it?Free in your watchlist: 5 stocks without an account, 10 with oneYes, for free
69 individual criteria per stock, every one traceableSee the method →
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 7.91 SAR – 38.42 SAR · fair‑value band 4.38 SAR – 8.75 SAR · the 8.91 SAR price screens above the 5.87 SAR fair value. Green steps = our fair value per fiscal year (point-in-time, no hindsight). As of Oct 28, 2026.
Follow Al Sagr Co-operative Insurance Co in your weekly email
Every Wednesday you see whether Al Sagr Co-operative Insurance Co is on track or worth a review, plus price against fair value. Free, up to 3 stocks.
We send you a confirmation link. Unsubscribe with one click.
Al Sagr Cooperative Insurance Company provides insurance products and solutions in the Kingdom of Saudi Arabia, USA, and Singapore.
Show moreShow less
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 8.91 SAR, while our model-based Fair Value estimate is 5.87 SAR, 34.2% below the price, so the stock looks overvalued today.
Show more
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: 4.38 SAR (bear) to 8.75 SAR (bull), the price of 8.91 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 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 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 268M SAR (≈ $71.4M) Micro · P/S ratio 0.42 · EPS (TTM) −1.12 SAR · Net margin −5.5% · Return on equity −9.8% · Return on assets (EBIT) −2.8% · Operating margin 0.7% · Revenue (TTM) 637M SAR.
Competitive moat
Our AI-assisted moat analysis scores the competitive advantage at 14 out of 100 (medium confidence).
What moves the price
The share trades about 29% below its 52-week high and 13% above its 52-week low, currently below its 200-day average.
For context, the median of 10 Financial Services peers we cover trades at −21% fair-value upside, at −34%, 8180 screens richer than that median.
Fair Value models
Bear4.38 SARFair Value 5.87 SARBull8.75 SAR
Price 8.91 SAR · Upside -34.2%
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.
Best data coverage
NCAV (Graham)5.15 SAR6.90 SAR10.29 SAR51
All 1 models by family
Asset-Based
NCAV (Graham)5.15 SAR6.90 SAR10.29 SAR51
The fair value above starts from this blend and is adjusted for dilution from new shares.
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%
Start year 2020 (pandemic). Over 10 years: +3.6% a year
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%
’14
’15
’16
’17
’18
’19
’20
’21
’22
’23
’24
’25
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
Compare Al Sagr Co-operative Insurance Co with another stock
Price, fair value, quality and upside side by side.
Free, no sign-up
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 · 113 stocks
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 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 Oct 28, 2026, our model estimates a fair value of 5.87 SAR versus a price of 8.91 SAR, about −34% 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 Oct 28, 2026), built from audited fundamentals. The current price: 8.91 SAR.
What is the quality score of 8180?
Al Sagr Co-operative Insurance Co 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 Sagr Co-operative Insurance Co (8180)?
Our model-based price target is the fair value of 5.87 SAR (as of Oct 28, 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 −34% upside versus a price of 8.91 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 637M SAR (latest available figure, as of Oct 28, 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 Oct 28, 2026), against a price of 8.91 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 Oct 28, 2026, 8180 trades above its calculated fair value: price 8.91 SAR, fair value 5.87 SAR, a gap of about −34% (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 (8.91 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 3.05 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 268M SAR (market capitalisation, as of Oct 28, 2026). Per share that is 8.91 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 Oct 28, 2026, price 8.91 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 Oct 28, 2026): return on equity −9.8%. They feed the Quality Score of 45/100, 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 8.91 SAR, about 29% below its 52-week high of 12.54 SAR and 13% above the low of 7.91 SAR (as of Oct 28, 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 Chubb Limited, The Progressive Corporation, 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 Oct 28, 2026: price 8.91 SAR, calculated fair value 5.87 SAR (−34%), 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 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 13.4 % 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 is the share price of Al Sagr Co-operative Insurance Co (8180)?
The closing price on Oct 28, 2026 was 8.91 SAR. Our model-based fair value is 5.87 SAR, about −34% upside (overvalued). We carry closing prices from our data provider, not a live tick.
What should I pay attention to with Al Sagr Co-operative Insurance Co right now?
The large gap to fair value rests on thin data (low evidence): fewer applicable models and a shorter history. Read it with extra caution. Solid but not exceptional quality (45/100) and above fair value, neither a clear bargain nor a standout compounder. A fairly wide model range (4.38 SAR to 8.75 SAR) leaves room in how you read the outcome. For a financial, book-value and earnings-based methods matter more than a cash-flow DCF, which fits banks and insurers poorly.
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 268M SAR (≈ $71.4M). 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 0.42 (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 −1.12 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 −5.5% (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 Sagr Co-operative Insurance Co (8180)?
The return on equity (ROE) of Al Sagr Co-operative Insurance Co is −9.8% (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 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 0.7% (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 +7.1% 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.
Free · no account needed
Watch Al Sagr Co-operative Insurance Co in the live analysis
One click puts Al Sagr Co-operative Insurance Co on your watchlist: fair value and trend at a glance, plus comparison, the diversification check and the 28,000+ stock screener.
Thin data
Oct 28, 2026