Bupa Arabia for Coop. Insurance (8210) fair value: what the stock is really worth
As of Sep 22, 2026: fair value of Bupa Arabia for Coop. Insurance SAR 61.10, price SAR 158, upside -61.4%, quality 56 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 24, 2026.
How to read this chart
60‑month range 92.00 SAR – 279.00 SAR · fair‑value band 48.48 SAR – 138.68 SAR · the 158.40 SAR price screens above the 61.10 SAR fair value. Green steps = our fair value per fiscal year (point-in-time, no hindsight). Dashed = 300-day average. As of Sep 24, 2026.
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Bupa Arabia for Cooperative Insurance Company engages in the insurance business in the Kingdom of Saudi Arabia. The company offers medical insurance products for families, household helpers, parents, and businesses, as well as provide international health care plans. It issues short-term insurance contracts for providing health care services.
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Bupa Arabia for Cooperative Insurance Company engages in the insurance business in the Kingdom of Saudi Arabia. The company offers medical insurance products for families, household helpers, parents, and businesses, as well as provide international health care plans. It issues short-term insurance contracts for providing health care services. The company was founded in 1997 and is headquartered in Jeddah, the Kingdom of Saudi Arabia.
Stock analysis
Bupa Arabia for Coop. Insurance (8210) currently trades at 158.40 SAR, while our model-based Fair Value estimate is 61.10 SAR, implying the stock looks roughly 159.3% overvalued today.
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Valuation
Bull case: the Dividend Discount group reads highest at a median of 64.39 SAR per share, and 0 of the 6 models we run sit above the 158.40 SAR price.
Bear case: the Asset-Based group reads lowest at 25.34 SAR, and 6 of the 6 models stay below the price. Evidence for this calculation is high.
Scenario range: 48.48 SAR (bear) to 138.68 SAR (bull), the price of 158.40 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 56/100 (solid quality), in the Financial Services sector.
Expensive Growth: The company is growing, but growth may require heavy reinvestment or weak cash conversion.
Bupa Arabia for Coop. Insurance reported revenue of 20.1B SAR in FY2025 versus 10.9B SAR in FY2021, a compound +16.6%/yr. Reported net income was 1.1B SAR in FY2025, compounding +14.6%/yr from FY2021.
Key figures
Market cap 23.5B SAR (≈ $6.3B) · P/E ratio 21.8 · P/S ratio 1.17 · EPS (TTM) 7.28 SAR · Dividend yield 2.5% · Net margin 5.4% · Return on equity 19.0% · Return on assets (EBIT) 7.6%.
Competitive moat
Our AI-assisted moat analysis scores the competitive advantage at 48 out of 100 (medium confidence).
What moves the price
The share trades about 19% below its 52-week high and 21% above its 52-week low, currently below its 200-day average.
For context, the median of 10 Financial Services peers we cover trades at 4% fair-value upside, at −61%, 8210 screens richer than that median.
Fair Value models
Bear 48.48 SARFair Value 61.10 SARBull 138.68 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 (2.40 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.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.61/100
The company is growing, but growth may require heavy reinvestment or weak cash conversion.
Revenue growth 1 year
+7.1%
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.
+14.4%
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.
+13.0%
Start year 2020 (pandemic). Over 10 years: +11.5% a year
Revenue growth 17 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.
+50.4%
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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.
+14.2%
Earnings growth per share plus dividend.
Earnings per share, growth per year+11.7%
Dividend (yield on the price)2.5%
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.12% vs 6%, picking up
Profit margin 2020 to 2025 ⓘ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.8% → 6%
Compare Bupa Arabia for Coop. Insurance 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 - Specialty · 30 stocks
Beats the industry median on 6/12 measures
A mixed picture versus its industry peers.
Valuation
Quality Score56 · Below median
Fair Value upside−61% · Bottom 25%
Profitability
Return on equity (TTM)19% · Top 25%
Return on assets5% · Above median
Net margin (TTM)5% · Bottom 25%
Operating margin (TTM)8% · Below median
Growth and dividend
Revenue growth18% · Top 25%
Dividend yield (TTM)2.5% · Below median
Valuation Multiplesvs Insurance - Specialty median · lower = cheaper
P/E (TTM)21.8× · Priciest 25%
P/B1.10× · Cheaper than median
P/S (TTM)0.30× · Cheapest 25%
EV/EBITDA3.4× · Cheapest 25%
Strength profile in five axes (Snowflake)
This stockSector peers
VALUE (fair-value potential)0· sector 22
FUTURE (revenue growth)92· sector 25
PAST (return on equity)76· sector 62
HEALTH (low debt)0· sector 91
DIVIDEND (yield)51· sector 57
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). "Bupa Arabia for Coop. Insurance Fair Value". https://www.fairvalue-calculator.com/stock/8210
Frequently asked questions
Is Bupa Arabia for Coop. Insurance (8210) overvalued or undervalued?
As of Sep 24, 2026, our model estimates a fair value of 61.10 SAR versus a price of 158.40 SAR, about −61% upside (overvalued).
What is the fair value of 8210?
Our model-based fair value for Bupa Arabia for Coop. Insurance is 61.10 SAR (as of Sep 24, 2026), built from audited fundamentals. The current price: 158.40 SAR.
What is the quality score of 8210?
Bupa Arabia for Coop. Insurance has a Quality Score of 56/100. 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 Bupa Arabia for Coop. Insurance (8210)?
Our model-based price target is the fair value of 61.10 SAR (as of Sep 24, 2026) from 6 valuation models. Cautious scenario 48.48 SAR, optimistic scenario 138.68 SAR. It is a calculation from audited fundamentals, not an analyst target.
What is the Bupa Arabia for Coop. Insurance stock forecast for 2026?
Our models put fair value at 61.10 SAR, about −61% upside versus a price of 158.40 SAR (overvalued). Cautious scenario 48.48 SAR, optimistic scenario 138.68 SAR. The calculation is refreshed regularly with new filings.
What is the revenue of Bupa Arabia for Coop. Insurance (8210)?
Bupa Arabia for Coop. Insurance reported trailing-twelve-month revenue of about 21.0B SAR (latest available figure, as of Sep 24, 2026).
Does Bupa Arabia for Coop. Insurance pay a dividend?
Bupa Arabia for Coop. Insurance currently shows a dividend yield of about 2.53% relative to its recent price (as of Sep 24, 2026).
What is the intrinsic value of Bupa Arabia for Coop. Insurance (8210)?
Intrinsic value and fair value mean the same thing: what the business is worth on its numbers, independent of the share price. For Bupa Arabia for Coop. Insurance it is 61.10 SAR per share (as of Sep 24, 2026), against a price of 158.40 SAR. It is the blended result of 6 valuation models (cash flow, earnings, asset, dividend).
Is Bupa Arabia for Coop. Insurance stock overvalued or undervalued in 2026?
As of Sep 24, 2026, 8210 trades above its calculated fair value: price 158.40 SAR, fair value 61.10 SAR, a gap of about −61% (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 8210?
No. The price is what the market pays today (158.40 SAR); the fair value is what the company's own numbers justify (61.10 SAR). For Bupa Arabia for Coop. Insurance the two are 97.30 SAR per share apart. That gap is exactly why we show both numbers side by side.
How much is Bupa Arabia for Coop. Insurance worth?
The market values Bupa Arabia for Coop. Insurance at about 23.5B SAR (market capitalisation, as of Sep 24, 2026). Per share that is 158.40 SAR; our models calculate a fair value of 61.10 SAR per share.
What do the bullish and bearish scenarios say about 8210?
Our models span a range for Bupa Arabia for Coop. Insurance: cautious scenario 48.48 SAR, base 61.10 SAR, optimistic 138.68 SAR per share (as of Sep 24, 2026, price 158.40 SAR). The range comes from different growth and margin assumptions, not from analyst opinions.
What is the P/E ratio of 8210?
Bupa Arabia for Coop. Insurance trades at a price-to-earnings ratio of 21.8 (as of Sep 24, 2026). A P/E on its own says little: it compares the price with ONE year of profit, while our fair value of 61.10 SAR is built from several models across several years. Other multiples: P/B 1.1, P/S 0.3, EV/EBITDA 3.4.
How solid is the balance sheet of Bupa Arabia for Coop. Insurance (8210)?
Balance-sheet figures for Bupa Arabia for Coop. Insurance (as of Sep 24, 2026): return on equity 19.0%. They feed the Quality Score of 56/100, which measures business quality independently of the share price.
How far is 8210 from its 52-week high?
Bupa Arabia for Coop. Insurance trades at 158.40 SAR, about 19% below its 52-week high of 196.60 SAR and 21% above the low of 131.40 SAR (as of Sep 22, 2026). Distance from the high says nothing about value: that is what the fair value of 61.10 SAR is for.
Which stocks are comparable to Bupa Arabia for Coop. Insurance?
From the same area (Financial Services) we also value Fidelity National Financial, Inc, Medibank Private Limited, AXIS Capital Holdings, First American Financial 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 Bupa Arabia for Coop. Insurance stock attractive at the current price?
The data as of Sep 24, 2026: price 158.40 SAR, calculated fair value 61.10 SAR (−61%), Quality Score 56/100, from 6 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 8210 calculated?
We run Bupa Arabia for Coop. Insurance through 6 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 61.10 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 14.1 % above its aggregate fair value. Bupa Arabia for Coop. Insurance 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 Bupa Arabia for Coop. Insurance (8210)?
The closing price on Sep 22, 2026 was 158.40 SAR. Our model-based fair value is 61.10 SAR, about −61% upside (overvalued). We carry closing prices from our data provider, not a live tick.
What should I pay attention to with Bupa Arabia for Coop. Insurance right now?
The price sits above even our optimistic bull case (138.68 SAR). The favourable scenario is already priced in. The model range is unusually wide (48.48 SAR to 138.68 SAR). The outcome hinges heavily on assumptions, so read the point estimate with caution. Solid but not exceptional quality (56/100) and above fair value, neither a clear bargain nor a standout compounder. 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 Bupa Arabia for Coop. Insurance (8210) come from?
Earnings per share at Bupa Arabia for Coop. Insurance grew +8.2 % a year from 2014 to 2025. Broken into its drivers: revenue per share +12.6 %, EBIT margin −2.2 %, tax rate −1.8 %, 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 Bupa Arabia for Coop. Insurance
How large is the market capitalisation of Bupa Arabia for Coop. Insurance (8210)?
The market capitalisation of Bupa Arabia for Coop. Insurance is 23.5B SAR (≈ $6.3B). 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 Bupa Arabia for Coop. Insurance (8210)?
The price-to-sales ratio of Bupa Arabia for Coop. Insurance is 1.17 (P/E × margin). Price to sales: market value relative to yearly revenue. Useful when profit is thin or distorted.
What are the earnings per share of Bupa Arabia for Coop. Insurance (8210)?
Earnings per share at Bupa Arabia for Coop. Insurance are 7.28 SAR (price ÷ EPS = P/E 21.8). Earnings per share over the last twelve months: total profit spread across every single share.
What is the dividend yield of Bupa Arabia for Coop. Insurance (8210)?
The dividend yield of Bupa Arabia for Coop. Insurance is 2.5% (payout 54.9%). Yearly dividend relative to the share price. 3% pays 3 per 100 invested. Below: how much of profit is used for it.
What is the net margin of Bupa Arabia for Coop. Insurance (8210)?
The net margin of Bupa Arabia for Coop. Insurance is 5.4% (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 Bupa Arabia for Coop. Insurance (8210)?
The return on equity (ROE) of Bupa Arabia for Coop. Insurance is 19.0% (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 Bupa Arabia for Coop. Insurance (8210)?
On an EBIT basis the return on assets of Bupa Arabia for Coop. Insurance is 7.6% (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 Bupa Arabia for Coop. Insurance (8210)?
The operating margin of Bupa Arabia for Coop. Insurance is 8.3% (last twelve months). Profit from the core business (before interest and taxes) relative to revenue.
How fast is revenue growing at Bupa Arabia for Coop. Insurance (8210)?
Revenue at Bupa Arabia for Coop. Insurance is growing +18.3% versus a year earlier (3y avg +14.4%). 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 Bupa Arabia for Coop. Insurance (8210)?
Earnings per share at Bupa Arabia for Coop. Insurance are growing +2.7% versus a year earlier. How much earnings per share grew versus a year earlier.
How much free cash flow does Bupa Arabia for Coop. Insurance (8210) generate?
The free cash flow of Bupa Arabia for Coop. Insurance is −259M 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 Bupa Arabia for Coop. Insurance (8210) hold?
Bupa Arabia for Coop. Insurance holds more cash than debt, 1.5B SAR net (fiscal year 2025). The company holds more cash than debt, a safety cushion.
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