Saudi RE Cooperative Reinsurance (8200) fair value: what the stock is really worth
As of Oct 1, 2026: fair value of Saudi RE Cooperative Reinsurance SAR 10.66, price SAR 26.40, upside -59.6%, quality 31 out of 100. Calculated from audited financials with 26 valuation models and 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 27, 2026.
How to read this chart
60‑month range 9.18 SAR – 591.67 SAR · fair‑value band 8.00 SAR – 13.32 SAR · the 26.40 SAR price screens above the 10.66 SAR fair value. Green steps = our fair value per fiscal year (point-in-time, no hindsight). Dashed = 300-day average. As of Sep 27, 2026.
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Saudi Reinsurance Company provides various reinsurance products in the Kingdom of Saudi Arabia, the rest of the Middle East, Africa, Asia, and internationally. The company operates in two segments: Property and Casualty, and Life and Health.
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Saudi Reinsurance Company provides various reinsurance products in the Kingdom of Saudi Arabia, the rest of the Middle East, Africa, Asia, and internationally. The company operates in two segments: Property and Casualty, and Life and Health. The Property and Casualty segment offers engineering, fire, marine, general accident, specialty insurance, blind cargo insurance, and other products. The Life and Health segment provides coverage for personal well-being, healthcare expenses and life protection. The company offers full account, aviation, energy on-shore and off- shore, agriculture, political risk, motor, liability, term and credit life, health, and inherent defects products. The company was formerly known as Saudi Re for Cooperative Reinsurance. Saudi Reinsurance Company was incorporated in 2008 and is based in Riyadh, the Kingdom of Saudi Arabia.
Stock analysis
Saudi RE Cooperative Reinsurance (8200) currently trades at 26.40 SAR, while our model-based Fair Value estimate is 10.66 SAR, 59.6% below the price, so the stock looks overvalued today.
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Valuation
Bull case: the Multiples group reads highest at a median of 10.88 SAR per share, and 0 of the 4 models we run sit above the 26.40 SAR price.
Bear case: the Asset-Based group reads lowest at 8.78 SAR, and 4 of the 4 models stay below the price. Evidence for this calculation is medium.
Scenario range: 8.00 SAR (bear) to 13.32 SAR (bull), the price of 26.40 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 31/100 (below-average quality), in the Financial Services sector.
Mixed Growth: Spin-off in 2024: revenue and profit before it include the divested business. Growth is measured afresh from 2024.
Saudi RE Cooperative Reinsurance reported revenue of −101M SAR in FY2025 versus 897M SAR in FY2021. Reported net income was 140M SAR in FY2025, compounding +38.3%/yr from FY2021. FY2021 was a trough year, so the rate overstates the trend.
Key figures
Market cap 4.4B SAR (≈ $1.2B) · P/E ratio 29.0 · P/S ratio 2.02 · EPS (TTM) 0.9100 SAR · Net margin 7.7% · Return on equity 7.0% · Return on assets (EBIT) 5.7% · Operating margin 14.4%.
Competitive moat
Our AI-assisted moat analysis scores the competitive advantage at 38 out of 100 (low confidence).
What moves the price
The share trades about 26% below its 52-week high and 18% above its 52-week low, currently below its 200-day average.
For context, the median of 10 Financial Services peers we cover trades at 18% fair-value upside, at −60%, 8200 screens richer than that median.
Fair Value models
Bear 8.00 SARFair Value 10.66 SARBull 13.32 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. Based on fiscal year 2025 figures (about 9 months old). Earnings retained since then (0.6856 SAR per share) are deliberately not added.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.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.55/100
Spin-off in 2024: revenue and profit before it include the divested business. Growth is measured afresh from 2024.
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.
−35.7%
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.
−22.2%
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.
+50.2%
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What shareholders gained per year (last 5 years) ⓘWhat the business itself delivers per year: earnings growth per share plus the dividend yield. This is what you get IF the market keeps valuing the stock the same way: it contains no assumption about the market changing its mind. Computed per share, so buybacks count and a merger does not pass as growth. For a company that pays no dividend it is pure earnings growth per share. Period: earnings growth per share as CAGR over the last 5 reported fiscal years (annual statements), plus the current dividend yield. The start value is the median of the three years around the start, so a single crisis year (a pandemic or a write-down) does not distort the rate.
+10.5%
Earnings growth per share plus dividend.
Earnings per share, growth per year+10.5%
Dividend (yield on the price)0.0%
Pace: 5 vs 10 years ⓘTwo data points, not a trend model: earnings growth per share over the last 5 fiscal years against the last 10. Labelled "steady" when both rates are within 3 percentage points of each other, otherwise picking up or flattening. Shown only when ten years of history exist.10.5% vs 21.3%, slowing
Profit margin 2019 to 2024 ⓘ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.9% → 1,135%
Start year 2020 (pandemic)
⚠ Revenue per share shrinking 21.5%/yr over ~10Y (margins intact) ⓘStructural-decline marker: revenue PER SHARE has fallen over the last decade (robust median trend, not a single year). Backtested across 2005 to 2017, such businesses trailed the market by about 2.5 percentage points per year. Display only: it does not change the fair value or the quality score.
Growth Forecast
A lot of optimism in the price
The price assumes more growth than the company has delivered so far.
What the price assumes ⓘThis turns our valuation around: instead of asking what the share is worth, it asks what growth the current price requires. It uses the cash the company keeps after all spending (free cash flow), the same discount rate as our models, five years of growth, then slowing evenly to 2 % a year by year ten. Compared with the analysts' sales forecasts extended to the same five years (at least three analysts, for context only, it does not enter the Fair Value): within 3 percentage points counts as "in line" (amber), below that little optimism (green), above that a lot of optimism (red).
+1.3%
Yearly growth needed for the next five years to justify today's price.
What forecasts expect
n/a
No analyst forecast available.
After inflation (Saudi Arabia: IMF forecast 2.1% a year to 2030, 1.7% from 2016 to 2025) that is about −0.8% a year for the price.
Compare Saudi RE Cooperative Reinsurance 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 - Reinsurance · 25 stocks
Beats the industry median on 3/13 measures
Overall it trails its industry peers.
Valuation
Quality Score33 · Bottom 25%
Fair Value upside−59.6% · Bottom 25%
Profitability
Return on equity (TTM)7.0% · Bottom 25%
Return on assets3.1% · Above median
Net margin (TTM)7.7% · Below median
Operating margin (TTM)14.4% · Below median
Growth and dividend
Revenue growth67.1% · Top 25%
Balance sheet
Debt / equity0.03× · Lowest 25%
Valuation Multiplesvs Insurance - Reinsurance median · lower = cheaper
P/E (TTM)29.0× · Priciest 25%
P/B2.01× · Priciest 25%
P/S (TTM)2.23× · Priciest 25%
P/FCF12.4× · Pricier than median
EV/EBITDA19.6× · Priciest 25%
Strength profile in five axes (Snowflake)
This stockSector peers
VALUE (fair-value potential)0· sector 59
FUTURE (revenue growth)100· sector 0
PAST (return on equity)28· sector 50
HEALTH (low debt)99· sector 89
DIVIDEND (yield)0· sector 86
VALUE 0: the price sits above our fair-value range.
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). "Saudi RE Cooperative Reinsurance Fair Value". https://www.fairvalue-calculator.com/stock/8200
Frequently asked questions
Is Saudi RE Cooperative Reinsurance (8200) overvalued or undervalued?
As of Sep 27, 2026, our model estimates a fair value of 10.66 SAR versus a price of 26.40 SAR, about −60% upside (overvalued).
What is the fair value of 8200?
Our model-based fair value for Saudi RE Cooperative Reinsurance is 10.66 SAR (as of Sep 27, 2026), built from audited fundamentals. The current price: 26.40 SAR.
What is the quality score of 8200?
Saudi RE Cooperative Reinsurance has a Quality Score of 31/100. 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 Saudi RE Cooperative Reinsurance (8200)?
Our model-based price target is the fair value of 10.66 SAR (as of Sep 27, 2026) from 4 valuation models. Cautious scenario 8.00 SAR, optimistic scenario 13.32 SAR. It is a calculation from audited fundamentals, not an analyst target.
What is the Saudi RE Cooperative Reinsurance stock forecast for 2026?
Our models put fair value at 10.66 SAR, about −60% upside versus a price of 26.40 SAR (overvalued). Cautious scenario 8.00 SAR, optimistic scenario 13.32 SAR. The calculation is refreshed regularly with new filings.
What is the revenue of Saudi RE Cooperative Reinsurance (8200)?
Saudi RE Cooperative Reinsurance reported trailing-twelve-month revenue of about 2.0B SAR (latest available figure, as of Sep 27, 2026).
What growth is priced into Saudi RE Cooperative Reinsurance (8200)?
For today's price to be fair in a discounted-cash-flow model, Saudi RE Cooperative Reinsurance would have to grow free cash flow by +1.3 % per year for five years (discount rate 10.3 %, then slowing evenly to 2 % perpetual growth by year ten). Over the last 5 years revenue grew -42.3 % per year. As of Sep 27, 2026.
What discount rate (WACC) does the fair value of 8200 use?
Our models discount Saudi RE Cooperative Reinsurance at 10.3 %: a base by market capitalisation (small), damped by beta 0.06, country premium for Saudi Arabia. The same rate applies in all 26 models.
What is a reverse DCF?
A reverse DCF turns the usual calculation around. Instead of deriving a value from assumptions, it takes today's price as given and asks: what free-cash-flow growth would a company have to deliver for exactly this price to be fair? The result is not a forecast but the expectation already priced in. For Saudi RE Cooperative Reinsurance that is +1.3 % per year a year over ten years, using the same discount rate (10.3 %) and the same formula as our fair value.
How much growth has Saudi RE Cooperative Reinsurance (8200) delivered so far?
Over the past 5 years revenue at Saudi RE Cooperative Reinsurance grew -42.3 % a year. The price currently implies +1.3 % per year free-cash-flow growth a year. Comparing the two shows how much confidence is in the price: if it demands more than has been delivered, the business has to accelerate for the maths to work.
How fast is the sector of Saudi RE Cooperative Reinsurance (8200) growing?
The median revenue growth in the sector is +9.2 % a year. That is the yardstick for the growth priced into Saudi RE Cooperative Reinsurance (+1.3 % per year a year): it shows whether the expectation is within the usual range or beyond it.
What is the free cash flow yield of Saudi RE Cooperative Reinsurance (8200)?
The free-cash-flow yield on the price is 8.08 %: that much free cash flow Saudi RE Cooperative Reinsurance produces per unit of market value. When it exceeds the discount rate of our models (10.3 %), the business already earns more than its cost of capital demands, and the price needs little additional growth.
What is the intrinsic value of Saudi RE Cooperative Reinsurance (8200)?
Intrinsic value and fair value mean the same thing: what the business is worth on its numbers, independent of the share price. For Saudi RE Cooperative Reinsurance it is 10.66 SAR per share (as of Sep 27, 2026), against a price of 26.40 SAR. It is the blended result of 4 valuation models (cash flow, earnings, asset, dividend).
Is Saudi RE Cooperative Reinsurance stock overvalued or undervalued in 2026?
As of Sep 27, 2026, 8200 trades above its calculated fair value: price 26.40 SAR, fair value 10.66 SAR, a gap of about −60% (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 8200?
No. The price is what the market pays today (26.40 SAR); the fair value is what the company's own numbers justify (10.66 SAR). For Saudi RE Cooperative Reinsurance the two are 15.74 SAR per share apart. That gap is exactly why we show both numbers side by side.
How much is Saudi RE Cooperative Reinsurance worth?
The market values Saudi RE Cooperative Reinsurance at about 4.4B SAR (market capitalisation, as of Sep 27, 2026). Per share that is 26.40 SAR; our models calculate a fair value of 10.66 SAR per share.
What do the bullish and bearish scenarios say about 8200?
Our models span a range for Saudi RE Cooperative Reinsurance: cautious scenario 8.00 SAR, base 10.66 SAR, optimistic 13.32 SAR per share (as of Sep 27, 2026, price 26.40 SAR). The range comes from different growth and margin assumptions, not from analyst opinions.
What is the P/E ratio of 8200?
Saudi RE Cooperative Reinsurance trades at a price-to-earnings ratio of 29.0 (as of Sep 27, 2026). A P/E on its own says little: it compares the price with ONE year of profit, while our fair value of 10.66 SAR is built from several models across several years. Other multiples: P/B 2.0, P/S 2.2, EV/EBITDA 19.6.
How solid is the balance sheet of Saudi RE Cooperative Reinsurance (8200)?
Balance-sheet figures for Saudi RE Cooperative Reinsurance (as of Sep 27, 2026): return on equity 7.0%, debt of 0.03 per unit of equity. They feed the Quality Score of 31/100, which measures business quality independently of the share price.
How far is 8200 from its 52-week high?
Saudi RE Cooperative Reinsurance trades at 26.40 SAR, about 26% below its 52-week high of 35.69 SAR and 18% above the low of 22.36 SAR (as of Oct 1, 2026). Distance from the high says nothing about value: that is what the fair value of 10.66 SAR is for.
Which stocks are comparable to Saudi RE Cooperative Reinsurance?
From the same area (Financial Services) we also value MUV2, Swiss Re AG, Hannover Rück SE, Reinsurance Group, 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 Saudi RE Cooperative Reinsurance stock attractive at the current price?
The data as of Sep 27, 2026: price 26.40 SAR, calculated fair value 10.66 SAR (−60%), Quality Score 31/100, from 4 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 8200 calculated?
We run Saudi RE Cooperative Reinsurance through 4 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 10.66 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 14.5 % above its aggregate fair value. Saudi RE Cooperative Reinsurance 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 Saudi RE Cooperative Reinsurance (8200)?
The closing price on Oct 1, 2026 was 26.40 SAR. Our model-based fair value is 10.66 SAR, about −60% upside (overvalued). We carry closing prices from our data provider, not a live tick.
What should I pay attention to with Saudi RE Cooperative Reinsurance right now?
The price sits above even our optimistic bull case (13.32 SAR). The favourable scenario is already priced in. Weak quality (31/100) and above fair value at the same time, the margin of safety is missing on both counts. 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 Saudi RE Cooperative Reinsurance (8200) come from?
Earnings per share at Saudi RE Cooperative Reinsurance grew +48.7 % a year from 2014 to 2025. Broken into its drivers: revenue per share −19.6 %, EBIT margin +87.4 %, tax rate −1.2 %, residual (interest, one-offs) +0.0 %. 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 Saudi RE Cooperative Reinsurance
How large is the market capitalisation of Saudi RE Cooperative Reinsurance (8200)?
The market capitalisation of Saudi RE Cooperative Reinsurance is 4.4B SAR (≈ $1.2B). 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 Saudi RE Cooperative Reinsurance (8200)?
The price-to-sales ratio of Saudi RE Cooperative Reinsurance is 2.02 (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 Saudi RE Cooperative Reinsurance (8200)?
Earnings per share at Saudi RE Cooperative Reinsurance are 0.9100 SAR (price ÷ EPS = P/E 29.0). Earnings per share over the last twelve months: total profit spread across every single share.
What is the net margin of Saudi RE Cooperative Reinsurance (8200)?
The net margin of Saudi RE Cooperative Reinsurance is 7.7% (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 Saudi RE Cooperative Reinsurance (8200)?
The return on equity (ROE) of Saudi RE Cooperative Reinsurance is 7.0% (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 Saudi RE Cooperative Reinsurance (8200)?
On an EBIT basis the return on assets of Saudi RE Cooperative Reinsurance is 5.7% (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 Saudi RE Cooperative Reinsurance (8200)?
The operating margin of Saudi RE Cooperative Reinsurance is 14.4% (last twelve months). Profit from the core business (before interest and taxes) relative to revenue.
How fast is revenue growing at Saudi RE Cooperative Reinsurance (8200)?
Revenue at Saudi RE Cooperative Reinsurance is growing +67.1% versus a year earlier. 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 Saudi RE Cooperative Reinsurance (8200)?
Earnings per share at Saudi RE Cooperative Reinsurance are growing +32.0% versus a year earlier. How much earnings per share grew versus a year earlier.
How much net cash does Saudi RE Cooperative Reinsurance (8200) hold?
Saudi RE Cooperative Reinsurance holds more cash than debt, 208M SAR net (fiscal year 2025). The company holds more cash than debt, a safety cushion.
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