8190 Fair Value & Analysis
Financial Services · Market cap 124M SAR
Fair value as of: Jul 31, 2026
From 4 valuation models · updated today
Share price −7.8% over the past month.
What matters now
- The large discount to fair value meets weak quality (35/100). That raises the risk this is a value trap rather than a bargain.
- The price is below even our cautious bear case (3.57 SAR). The market is more pessimistic than our downside scenario.
- 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 (3.57 SAR to 8.23 SAR) leaves room in how you read the outcome.
Price vs Fair Value (12 months)
12‑month range 2.82 SAR – 5.94 SAR · fair‑value band 3.57 SAR – 8.23 SAR · the 3.09 SAR price screens below the 6.18 SAR fair value. As of Jul 31, 2026.
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8190 (8190) currently trades at 3.09 SAR, while our model-based Fair Value estimate is 6.18 SAR, implying the stock looks roughly 100.0% undervalued today. We read business quality at 35/100 (below-average quality), in the Financial Services sector. Bull case: trading below our estimate, it may offer upside if the fundamentals hold. Bear case: a low price can be a value trap when quality is weak or the data is thin (evidence: low), always confirm before acting.
Over the trailing twelve months, 8190 generated revenue of 748M SAR at a net margin of -32.1%. Revenue declined 54.6% year over year. The balance sheet holds a net cash position of 71.7M SAR. Fundamentals as of Jul 31, 2026
Our scenario range runs from 3.57 SAR (bear case) to 8.23 SAR (bull case); at 3.09 SAR, the current price sits below that range. The share trades about 54% below its 52-week high and 16% above its 52-week low, currently below its 200-day average. For context, the median of 10 Financial Services peers we cover trades at 6% fair-value upside, at 100%, 8190 screens cheaper than that median.
Key figures & financial health
More key figures
Figures from reported company fundamentals · as of Jul 31, 2026. TTM = trailing twelve months.
Quality Score breakdown
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.
Revenue & earnings trend
FY2021 – FY2025 · reported fiscal years
8190 reported revenue of 653M SAR in FY2025 versus 227M SAR in FY2021, a compound +30.2%/yr. Reported net income was −256M SAR in FY2025.
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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 Jul 31, 2026).
| Stock | Price | Fair Value | vs Fair Value |
|---|---|---|---|
| Berkshire Hathaway Inc BRYN | €423.40 | €346.77 | -18% |
| Allianz SE ALV | €381.60 | €363.76 | -5% |
| Zurich Insurance Group ZURN | CHF 586.80 | CHF 619.80 | +6% |
| AXA SA AXAN | 795.49 MXN | 1,003 MXN | +26% |
| Assicurazioni Generali S.p.A ARZGY | $24.42 | $19.59 | -20% |
| Sun Life Financial Inc SLF | C$102.80 | C$89.03 | -13% |
| American International Group AIGB34 | R$386.46 | R$457.31 | +18% |
| The Hartford Insurance Group H1IG34 | R$727.00 | R$1,310 | +80% |
| BB Seguridade Participações S.A BBSE3 | R$36.63 | R$44.01 | +20% |
| Tryg A/S TRYG | kr 150.80 | kr 109.55 | -27% |
Compare 8190 with another stock
Price, fair value, quality and upside side by side.
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Frequently asked questions
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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.
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