United Cooperative Assurance Co (8190) fair value: what the stock is really worth
We calculate from audited financials what United Cooperative Assurance 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.
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Price vs Fair Value
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 2.82 SAR – 35.50 SAR · fair‑value band 3.66 SAR – 8.44 SAR · the 3.38 SAR price screens below the 6.34 SAR fair value. Dashed = 300-day average. As of Sep 13, 2026.
United Cooperative Assurance Company provides cooperative insurance and reinsurance products to individuals and businesses in the Kingdom of Saudi Arabia. It offers non-life insurance products, including medical, motor, liability, engineering, general accident, fire, and marine, as well as energy and property insurance.
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United Cooperative Assurance Company provides cooperative insurance and reinsurance products to individuals and businesses in the Kingdom of Saudi Arabia. It offers non-life insurance products, including medical, motor, liability, engineering, general accident, fire, and marine, as well as energy and property insurance. The company was founded in 2008 and is based in Riyadh, the Kingdom of Saudi Arabia.
Stock analysis
United Cooperative Assurance Co (8190) currently trades at 3.38 SAR, while our model-based Fair Value estimate is 6.34 SAR, implying the stock looks roughly 46.7% undervalued 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: 3.66 SAR (bear) to 8.44 SAR (bull), the price of 3.38 SAR sits below 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 39/100 (below-average quality), in the Financial Services sector.
Expensive Growth: The company is growing, but growth may require heavy reinvestment or weak cash conversion.
United Cooperative Assurance Co 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.
Key figures
Market cap 135M SAR (≈ $36.0M) · P/S ratio 0.17 · EPS (TTM) −6.00 SAR · Net margin −39.3% · Return on equity −181% · Return on assets (EBIT) −2.5% · Operating margin −6.8% · Revenue (TTM) 748M SAR.
Competitive moat
Our AI-assisted moat analysis scores the competitive advantage at 28 out of 100 (low confidence).
What moves the price
The share trades about 49% below its 52-week high and 27% above its 52-week low, currently below its 200-day average.
For context, the median of 10 Financial Services peers we cover trades at −11% fair-value upside, at 88%, 8190 screens cheaper than that median.
Fair Value models
Bear 3.66 SARFair Value 6.34 SARBull 8.44 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.
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.38/100
The company is growing, but growth may require heavy reinvestment or weak cash conversion.
Revenue growth 1 year
−13.5%
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.
+26.9%
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.
+28.4%
Revenue growth 16 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.
+52.9%
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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.
12.4% (2019) → −1.5% (2024)
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 United Cooperative Assurance Co 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 · 83 stocks
Beats the industry median on 4/9 measures
A mixed picture versus its industry peers.
Valuation
Quality Score38 · Bottom 25%
Fair Value upside+82% · Top 25%
Profitability
Return on assets−17% · Bottom 25%
Net margin (TTM)−32% · Bottom 25%
Operating margin (TTM)−7% · Bottom 25%
Growth and dividend
Revenue growth−55% · Bottom 25%
Dividend yield (TTM)16.1% · Top 25%
Valuation Multiplesvs Insurance - Diversified median · lower = cheaper
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Cite: Fair Value Calculator (2026). "United Cooperative Assurance Co Fair Value". https://www.fairvalue-calculator.com/stock/8190
Frequently asked questions
Is United Cooperative Assurance Co (8190) overvalued or undervalued?
As of Sep 13, 2026, our model estimates a fair value of 6.34 SAR versus a price of 3.38 SAR, about +88% upside (undervalued).
What is the fair value of 8190?
Our model-based fair value for United Cooperative Assurance Co is 6.34 SAR (as of Sep 13, 2026), built from audited fundamentals. The current price: 3.38 SAR.
What is the quality score of 8190?
United Cooperative Assurance Co has a Quality Score of 39/100. 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 United Cooperative Assurance Co (8190)?
Our model-based price target is the fair value of 6.34 SAR (as of Sep 13, 2026) from 3 valuation models. Cautious scenario 3.66 SAR, optimistic scenario 8.44 SAR. It is a calculation from audited fundamentals, not an analyst target.
What is the United Cooperative Assurance Co stock forecast for 2026?
Our models put fair value at 6.34 SAR, about +88% upside versus a price of 3.38 SAR (undervalued). Cautious scenario 3.66 SAR, optimistic scenario 8.44 SAR. The calculation is refreshed regularly with new filings.
What is the revenue of United Cooperative Assurance Co (8190)?
United Cooperative Assurance Co reported trailing-twelve-month revenue of about 748M SAR (latest available figure, as of Sep 13, 2026).
What is the intrinsic value of United Cooperative Assurance Co (8190)?
Intrinsic value and fair value mean the same thing: what the business is worth on its numbers, independent of the share price. For United Cooperative Assurance Co it is 6.34 SAR per share (as of Sep 13, 2026), against a price of 3.38 SAR. It is the blended result of 3 valuation models (cash flow, earnings, asset, dividend).
Is United Cooperative Assurance Co stock overvalued or undervalued in 2026?
As of Sep 13, 2026, 8190 trades below its calculated fair value: price 3.38 SAR, fair value 6.34 SAR, a gap of about +88% (undervalued). 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 8190?
No. The price is what the market pays today (3.38 SAR); the fair value is what the company's own numbers justify (6.34 SAR). For United Cooperative Assurance Co the two are 2.96 SAR per share apart. That gap is exactly why we show both numbers side by side.
How much is United Cooperative Assurance Co worth?
The market values United Cooperative Assurance Co at about 135M SAR (market capitalisation, as of Sep 13, 2026). Per share that is 3.38 SAR; our models calculate a fair value of 6.34 SAR per share.
What do the bullish and bearish scenarios say about 8190?
Our models span a range for United Cooperative Assurance Co: cautious scenario 3.66 SAR, base 6.34 SAR, optimistic 8.44 SAR per share (as of Sep 13, 2026, price 3.38 SAR). The range comes from different growth and margin assumptions, not from analyst opinions.
How solid is the balance sheet of United Cooperative Assurance Co (8190)?
Balance-sheet figures for United Cooperative Assurance Co (as of Sep 13, 2026): return on equity −180.8%. They feed the Quality Score of 39/100, which measures business quality independently of the share price.
How far is 8190 from its 52-week high?
United Cooperative Assurance Co trades at 3.38 SAR, about 49% below its 52-week high of 6.65 SAR and 27% above the low of 2.67 SAR (as of Sep 13, 2026). Distance from the high says nothing about value: that is what the fair value of 6.34 SAR is for.
Which stocks are comparable to United Cooperative Assurance Co?
From the same area (Financial Services) we also value Berkshire Hathaway Inc, Allianz SE, Zurich Insurance Group, AXA SA, 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 United Cooperative Assurance Co stock attractive at the current price?
The data as of Sep 13, 2026: price 3.38 SAR, calculated fair value 6.34 SAR (+88%), Quality Score 39/100, from 3 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 8190 calculated?
We run United Cooperative Assurance Co through 3 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 6.34 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. United Cooperative Assurance Co currently trades 88 % below its own fair value, and the market average says nothing about that. 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 United Cooperative Assurance Co right now?
The large discount to fair value meets weak quality (39/100). That raises the risk this is a value trap rather than a bargain. The price is below even our cautious bear case (3.66 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 (3.66 SAR to 8.44 SAR) leaves room in how you read the outcome.
Key figures of United Cooperative Assurance Co
How large is the market capitalisation of United Cooperative Assurance Co (8190)?
The market capitalisation of United Cooperative Assurance Co is 135M SAR (≈ $36.0M). 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 United Cooperative Assurance Co (8190)?
The price-to-sales ratio of United Cooperative Assurance Co is 0.17 (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 United Cooperative Assurance Co (8190)?
Earnings per share at United Cooperative Assurance Co are −6.00 SAR. Earnings per share over the last twelve months: total profit spread across every single share.
What is the net margin of United Cooperative Assurance Co (8190)?
The net margin of United Cooperative Assurance Co is −39.3% (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 United Cooperative Assurance Co (8190)?
The return on equity (ROE) of United Cooperative Assurance Co is −181% (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 United Cooperative Assurance Co (8190)?
On an EBIT basis the return on assets of United Cooperative Assurance Co is −2.5% (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 United Cooperative Assurance Co (8190)?
The operating margin of United Cooperative Assurance Co is −6.8% (last twelve months). Profit from the core business (before interest and taxes) relative to revenue.
How fast is revenue growing at United Cooperative Assurance Co (8190)?
Revenue at United Cooperative Assurance Co is growing −54.6% versus a year earlier (3y avg +26.9%). How much revenue grew versus a year earlier (YoY). The 3-year average next to it puts the single year in context.
How much free cash flow does United Cooperative Assurance Co (8190) generate?
The free cash flow of United Cooperative Assurance Co is −193M 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 United Cooperative Assurance Co (8190) hold?
United Cooperative Assurance Co holds more cash than debt, 71.7M SAR net (fiscal year 2024). The company holds more cash than debt, a safety cushion.
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