8230 Fair Value & Analysis
Financial Services · Market cap 9.7B SAR
Fair value as of: Jul 31, 2026
From 15 valuation models · updated today
Share price −6.6% over the past month.
What matters now
- The price sits above even our optimistic bull case (36.97 SAR). The favourable scenario is already priced in.
- Weak quality (37/100) 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.
Price vs Fair Value (12 months)
12‑month range 33.85 SAR – 1,000,000 SAR · fair‑value band 22.18 SAR – 36.97 SAR · the 48.50 SAR price screens above the 29.57 SAR fair value. As of Jul 31, 2026.
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8230 (8230) currently trades at 48.50 SAR, while our model-based Fair Value estimate is 29.57 SAR, implying the stock looks roughly 39.0% overvalued today. We read business quality at 37/100 (below-average 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, 8230 generated revenue of 5.6B SAR at a net margin of 8.6%. Revenue grew 36.1% year over year. It earns a return on equity of 19.8%. The balance sheet holds a net cash position of 521M SAR. Fundamentals as of Jul 31, 2026
Our scenario range runs from 22.18 SAR (bear case) to 36.97 SAR (bull case); at 48.50 SAR, the current price sits above that range. For context, the median of 10 Financial Services peers we cover trades at 33% fair-value upside, at -39%, 8230 screens richer 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
8230 reported revenue of 4.5B SAR in FY2025 versus 2.4B SAR in FY2021, a compound +17.5%/yr. Reported net income was 455M SAR in FY2025, compounding +43.1%/yr from FY2021.
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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 - Property & Casualty stocks, each showing price versus our Fair Value estimate (as of Jul 31, 2026).
| Stock | Price | Fair Value | vs Fair Value |
|---|---|---|---|
| Chubb Limited C1BL34 | R$380.31 | R$420.71 | +11% |
| The Progressive Corporation PGR | $220.50 | $251.93 | +14% |
| Tokio Marine Holdings TKOMF | $42.80 | $44.64 | +4% |
| The Travelers Companies, Inc TRV | $310.61 | $384.42 | +24% |
| The Allstate Corporation ALL | $251.61 | $503.22 | +100% |
| The People's Insurance Company 601319 | ¥6.57 | ¥13.14 | +100% |
| PICC Property and Casualty Company PPCCY | $48.70 | $64.67 | +33% |
| MS&AD Insurance Group MSADF | $29.72 | $43.33 | +46% |
| Intact Financial Corporation IFC | C$275.92 | C$217.97 | -21% |
| Sompo Holdings SMPNY | $21.65 | $30.16 | +39% |
Compare 8230 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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