Chubb Arabia Cooperative Insurance Company (8240) Fair Value & Analysis
Financial Services · SA · Market cap 662M SAR
Fair value as of: Jul 31, 2026
From 4 valuation models · updated 10 days ago
Share price −13.4% over the past month.
A solid business, but screening 82% overvalued on our models.
What matters now
- The price sits above even our optimistic bull case (3.66 SAR). The favourable scenario is already priced in.
- Solid but not exceptional quality (51/100) 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 11.33 SAR – 25,115 SAR · fair‑value band 2.20 SAR – 3.66 SAR · the 16.49 SAR price screens above the 2.93 SAR fair value. Dashed = 300-day average. As of Jul 31, 2026.
Analysis
Chubb Arabia Cooperative Insurance Company (8240) currently trades at 16.49 SAR, while our model-based Fair Value estimate is 2.93 SAR, implying the stock looks roughly 82.2% overvalued today. The Quality Score stands at 51/100 (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, Chubb Arabia Cooperative Insurance Company generated revenue of 421M SAR at a net margin of 2.5%. Revenue grew 5.5% year over year. It earns a return on equity of 2.3%. The balance sheet holds a net cash position of 38.8M SAR. Fundamentals as of Jul 31, 2026
Our scenario range runs from 2.20 SAR (bear case) to 3.66 SAR (bull case); at 16.49 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. For context, the median of 10 Financial Services peers we cover trades at -12% fair-value upside, at -82%, 8240 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 4 models by family
Widest divergence: Asset-Based (7.99 SAR) versus Multiples (3.45 SAR). Highest evidence: P/E Multiple (63).
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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) 21
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
Chubb Arabia Cooperative Insurance Company provides property and casualty insurance products in the Kingdom of Saudi Arabia and internationally. The company offers engineering, property and business interruption, marine, motor standard, motor third party, casualty, and group life insurance products, as well as reinsurance products.
Full company description
Chubb Arabia Cooperative Insurance Company provides property and casualty insurance products in the Kingdom of Saudi Arabia and internationally. The company offers engineering, property and business interruption, marine, motor standard, motor third party, casualty, and group life insurance products, as well as reinsurance products. It also provides financial lines products, including director and officer liability, professional indemnity, cyber insurance, and specialist protection for financial institutions. The company was founded in 1970 and is headquartered in Al Khobar, the Kingdom of Saudi Arabia.
Company description, as reported by the company or data provider.
Revenue & earnings trend
FY2021 – FY2025 · reported fiscal years
Chubb Arabia Cooperative Insurance Company reported revenue of 415M SAR in FY2025 versus 124M SAR in FY2021, a compound +35.3%/yr. Reported net income was 10.6M SAR in FY2025, compounding +4.4%/yr from FY2021.
of which total revenue −49.3 pp · buybacks/dilution +0.0 pp
Absolute contributions in percentage points per year; they sum to the EPS growth rate. Start and end points are 3-year averages (details on hover).
8240 screens 82% overvalued. Compare with Berkshire Hathaway Inc →
Peer Group
Insurance - Diversified · 84 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 - Diversified 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 - Diversified stocks, each showing price versus our Fair Value estimate (as of Jul 31, 2026).
| Stock | Price | Fair Value | vs Fair Value |
|---|---|---|---|
| Berkshire Hathaway Inc BRKB | 8,562 MXN | 10,844 MXN | +27% |
| Allianz SE ALV | €421.00 | €369.31 | -12% |
| Zurich Insurance Group ZURN | CHF 624.40 | CHF 619.80 | -1% |
| AXA SA AXAN | 888.28 MXN | 1,249 MXN | +41% |
| Assicurazioni Generali S.p.A G | €42.90 | €12.18 | -72% |
| Sun Life Financial Inc SLF | C$114.20 | C$87.83 | -23% |
| BB Seguridade Participações S.A BBSE3 | R$40.71 | R$60.39 | +48% |
| Tryg A/S TRYG | kr 154.00 | kr 116.45 | -24% |
| PT Sinar Mas Multiartha Tbk SMMA | 20,625 IDR | 4,176 IDR | -80% |
| Caixa Seguridade Participações S.A CXSE3 | R$21.77 | R$18.60 | -15% |
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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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