Bupa Arabia for Cooperative Insurance Company (8210) Fair Value & Analysis
Financial Services · SA · Market cap 23.6B SAR
Fair value as of: Jul 31, 2026
From 6 valuation models · updated 10 days ago
Share price −10.2% over the past month.
A solid business, but screening 40% overvalued on our models.
What matters now
- The price sits above even our optimistic bull case (116.90 SAR). The favourable scenario is already priced in.
- 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.
Price vs Fair Value (5 years)
White line = price, green steps = our fair value per fiscal year, dashed = 300-day average. As of Jul 31, 2026.
How to read this chart
60‑month range 84.96 SAR – 279.00 SAR · fair‑value band 70.14 SAR – 116.90 SAR · the 157.00 SAR price screens above the 93.52 SAR fair value. Dashed = 300-day average. As of Jul 31, 2026.
Analysis
Bupa Arabia for Cooperative Insurance Company (8210) currently trades at 157.00 SAR, while our model-based Fair Value estimate is 93.52 SAR, implying the stock looks roughly 40.4% overvalued today. The Quality Score stands at 56/100 (solid quality), in the Financial Services sector. Bear case: priced above our estimate, the market already discounts strong expectations. Bull case: above-average quality can justify a premium, the entry price still matters most (evidence: high).
Over the trailing twelve months, Bupa Arabia for Cooperative Insurance Company generated revenue of 21.0B SAR at a net margin of 5.2%. Revenue grew 18.3% year over year. It earns a return on equity of 19.0%. The balance sheet holds a net cash position of 1.5B SAR. Fundamentals as of Jul 31, 2026
Our scenario range runs from 70.14 SAR (bear case) to 116.90 SAR (bull case); at 157.00 SAR, the current price sits above that range. Bear and bull are the same models run on conservative and optimistic assumptions (margins, growth, valuation multiples), so a plausible valuation range, not a price target. The share trades about 22% below its 52-week high and 19% above its 52-week low, currently below its 200-day average. For context, the median of 10 Financial Services peers we cover trades at 46% fair-value upside, at -40%, 8210 screens richer than that median.
Fair Value models
Each model estimates fair value its own way; the Fair Value above is the evidence-weighted blend. Evidence (0–100) measures how completely this model’s inputs are available: well-fed models carry more weight in the blend. The spread across models is intentional, each one stresses a different value driver; dividend models, for instance, come out structurally low when payout is small.
All 6 models by family
Widest divergence: Dividend Discount (64.39 SAR) versus Asset-Based (25.34 SAR). Highest evidence: Residual Income (76).
Key figures & financial health
More key figures
Figures from reported company fundamentals · as of Jul 31, 2026. TTM = trailing twelve months.
Quality Score breakdown
Of which business quality 55 · Market factors (momentum, volatility) 53
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.
About the company
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.
Full company description
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.
Company description, as reported by the company or data provider.
Revenue & earnings trend
FY2021 – FY2025 · reported fiscal years
Bupa Arabia for Cooperative Insurance Company 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.
8210 screens 40% overvalued. Compare with Fidelity National Financial, Inc →
Peer Group
Insurance - Specialty · 32 stocks
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.
Valuation Multiples vs Insurance - Specialty median · lower = cheaper
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.
VALUE 0: the price sits above our fair-value range.
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 - Specialty stocks, each showing price versus our Fair Value estimate (as of Jul 31, 2026).
| Stock | Price | Fair Value | vs Fair Value |
|---|---|---|---|
| Fidelity National Financial, Inc FNF | $49.53 | $29.08 | -41% |
| AXIS Capital Holdings AXS | $114.62 | $177.90 | +55% |
| First American Financial Corporation FAF | $70.06 | $79.33 | +13% |
| Enact Holdings ACT | $46.52 | $62.79 | +35% |
| MGIC Investment Corporation MTG | $29.47 | $45.39 | +54% |
| Essent Group ESNT | $66.71 | $97.33 | +46% |
| Radian Group RDN | $39.14 | $56.98 | +46% |
| Protector Forsikring ASA PROT | kr 485.80 | kr 418.04 | -14% |
| Assured Guaranty Ltd AGO | $82.49 | $147.67 | +79% |
| NMI Holdings NMIH | $41.16 | $66.55 | +62% |
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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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