CHUBB Arabia Cooperative Insurance (8240) fair value: what the stock is really worth
As of Sep 24, 2026: fair value of CHUBB Arabia Cooperative Insurance SAR 6.06, price SAR 16.71, upside -63.7%, quality 51 out of 100. Calculated from audited financials with 26 valuation models and 37 quality factors, updated daily.
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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.
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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.
Stock analysis
CHUBB Arabia Cooperative Insurance (8240) currently trades at 16.71 SAR, while our model-based Fair Value estimate is 6.06 SAR, implying the stock looks roughly 175.7% overvalued today.
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Valuation
Bull case: the Asset-Based group reads highest at a median of 7.99 SAR per share, and 0 of the 4 models we run sit above the 16.71 SAR price.
Bear case: the Multiples group reads lowest at 3.45 SAR, and 4 of the 4 models stay below the price. Evidence for this calculation is medium.
Quality & growth
The Quality Score stands at 51/100 (solid quality), in the Financial Services sector.
Mixed Growth: Revenue is growing, but margins or cash flow do not fully confirm the trend.
CHUBB Arabia Cooperative Insurance 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.
Key figures
Market cap 657M SAR (≈ $175M) · P/E ratio 61.9 · P/S ratio 1.58 · EPS (TTM) 0.2700 SAR · Net margin 2.6% · Return on equity 2.3% · Return on assets (EBIT) 3.4% · Operating margin 4.6%.
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 49% below its 52-week high and 4% above its 52-week low, currently below its 200-day average.
For context, the median of 10 Financial Services peers we cover trades at −24% fair-value upside, at −64%, 8240 screens richer than that median.
Fair Value models
Bear 6.06 SARFair Value 6.06 SARBull 6.06 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 (0.1982 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.77/100
Revenue is growing, but margins or cash flow do not fully confirm the trend.
Revenue growth 1 year
+130.3%
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.
+44.9%
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.
+28.7%
Start year 2020 (pandemic). Over 10 years: −40.2% a year
Revenue growth 16 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.
+73.7%
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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. Basis: EBIT basis.
−11.9%
Earnings growth per share plus dividend.
Earnings per share, growth per year−11.9%
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.−24% vs −14%, 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.29% → 12%
Start year 2020 (pandemic)
⚠ Revenue per share shrinking 45.1%/yr over ~10Y (margins eroding too) ⓘ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
Little optimism in the price
The price assumes less 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).
+18.3%
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 +15.9% a year for the price.
Compare CHUBB Arabia Cooperative 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 - Diversified · 83 stocks
Beats the industry median on 2/12 measures
Overall it trails its industry peers.
Valuation
Quality Score52 · Below median
Fair Value upside−64% · Bottom 25%
Profitability
Return on equity (TTM)2% · Bottom 25%
Return on assets1% · Below median
Net margin (TTM)3% · Bottom 25%
Operating margin (TTM)5% · Bottom 25%
Growth and dividend
Revenue growth6% · Below median
Valuation Multiplesvs Insurance - Diversified median · lower = cheaper
P/E (TTM)61.9× · Priciest 25%
P/B0.37× · Cheapest 25%
P/S (TTM)0.42× · Cheapest 25%
P/FCF6.9× · Pricier than median
EV/EBITDA8.9× · Pricier than median
Strength profile in five axes (Snowflake)
This stockSector peers
VALUE (fair-value potential)0· sector 6
FUTURE (revenue growth)28· sector 31
PAST (return on equity)9· sector 49
HEALTH (low debt)0· sector 89
DIVIDEND (yield)0· sector 73
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.
Is CHUBB Arabia Cooperative Insurance (8240) overvalued or undervalued?
As of Sep 24, 2026, our model estimates a fair value of 6.06 SAR versus a price of 16.71 SAR, about −64% upside (overvalued).
What is the fair value of 8240?
Our model-based fair value for CHUBB Arabia Cooperative Insurance is 6.06 SAR (as of Sep 24, 2026), built from audited fundamentals. The current price: 16.71 SAR.
What is the quality score of 8240?
CHUBB Arabia Cooperative Insurance has a Quality Score of 51/100. 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 CHUBB Arabia Cooperative Insurance (8240)?
Our model-based price target is the fair value of 6.06 SAR (as of Sep 24, 2026) from 4 valuation models. It is a calculation from audited fundamentals, not an analyst target.
What is the CHUBB Arabia Cooperative Insurance stock forecast for 2026?
Our models put fair value at 6.06 SAR, about −64% upside versus a price of 16.71 SAR (overvalued). The calculation is refreshed regularly with new filings.
What is the revenue of CHUBB Arabia Cooperative Insurance (8240)?
CHUBB Arabia Cooperative Insurance reported trailing-twelve-month revenue of about 421M SAR (latest available figure, as of Sep 24, 2026).
What growth is priced into CHUBB Arabia Cooperative Insurance (8240)?
For today's price to be fair in a discounted-cash-flow model, CHUBB Arabia Cooperative Insurance would have to grow free cash flow by +18.3 % per year for five years (discount rate 11.8 %, then slowing evenly to 2 % perpetual growth by year ten). Over the last 5 years revenue grew +28.8 % per year. As of Sep 24, 2026.
What discount rate (WACC) does the fair value of 8240 use?
Our models discount CHUBB Arabia Cooperative Insurance at 11.8 %: a base by market capitalisation (micro), damped by beta 0.56, 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 CHUBB Arabia Cooperative Insurance that is +18.3 % per year a year over ten years, using the same discount rate (11.8 %) and the same formula as our fair value.
How much growth has CHUBB Arabia Cooperative Insurance (8240) delivered so far?
Over the past 5 years revenue at CHUBB Arabia Cooperative Insurance grew +28.8 % a year. The price currently implies +18.3 % 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 CHUBB Arabia Cooperative Insurance (8240) growing?
The median revenue growth in the sector is +8.4 % a year. That is the yardstick for the growth priced into CHUBB Arabia Cooperative Insurance (+18.3 % 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 CHUBB Arabia Cooperative Insurance (8240)?
The free-cash-flow yield on the price is 3.88 %: that much free cash flow CHUBB Arabia Cooperative Insurance produces per unit of market value. When it exceeds the discount rate of our models (11.8 %), the business already earns more than its cost of capital demands, and the price needs little additional growth.
What is the intrinsic value of CHUBB Arabia Cooperative Insurance (8240)?
Intrinsic value and fair value mean the same thing: what the business is worth on its numbers, independent of the share price. For CHUBB Arabia Cooperative Insurance it is 6.06 SAR per share (as of Sep 24, 2026), against a price of 16.71 SAR. It is the blended result of 4 valuation models (cash flow, earnings, asset, dividend).
Is CHUBB Arabia Cooperative Insurance stock overvalued or undervalued in 2026?
As of Sep 24, 2026, 8240 trades above its calculated fair value: price 16.71 SAR, fair value 6.06 SAR, a gap of about −64% (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 8240?
No. The price is what the market pays today (16.71 SAR); the fair value is what the company's own numbers justify (6.06 SAR). For CHUBB Arabia Cooperative Insurance the two are 10.65 SAR per share apart. That gap is exactly why we show both numbers side by side.
How much is CHUBB Arabia Cooperative Insurance worth?
The market values CHUBB Arabia Cooperative Insurance at about 657M SAR (market capitalisation, as of Sep 24, 2026). Per share that is 16.71 SAR; our models calculate a fair value of 6.06 SAR per share.
What is the P/E ratio of 8240?
CHUBB Arabia Cooperative Insurance trades at a price-to-earnings ratio of 61.9 (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 6.06 SAR is built from several models across several years. Other multiples: P/B 0.4, P/S 0.4, EV/EBITDA 8.9.
How solid is the balance sheet of CHUBB Arabia Cooperative Insurance (8240)?
Balance-sheet figures for CHUBB Arabia Cooperative Insurance (as of Sep 24, 2026): return on equity 2.3%. They feed the Quality Score of 51/100, which measures business quality independently of the share price.
How far is 8240 from its 52-week high?
CHUBB Arabia Cooperative Insurance trades at 16.71 SAR, about 49% below its 52-week high of 32.84 SAR and 4% above the low of 16.05 SAR (as of Sep 24, 2026). Distance from the high says nothing about value: that is what the fair value of 6.06 SAR is for.
Which stocks are comparable to CHUBB Arabia Cooperative Insurance?
From the same area (Financial Services) we also value Allianz SE, Zurich Insurance Group, AXA SA, Assicurazioni Generali S.p.A, 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 CHUBB Arabia Cooperative Insurance stock attractive at the current price?
The data as of Sep 24, 2026: price 16.71 SAR, calculated fair value 6.06 SAR (−64%), Quality Score 51/100, 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 8240 calculated?
We run CHUBB Arabia Cooperative Insurance 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 6.06 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 13.0 % above its aggregate fair value. CHUBB Arabia Cooperative 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 CHUBB Arabia Cooperative Insurance (8240)?
The closing price on Sep 24, 2026 was 16.71 SAR. Our model-based fair value is 6.06 SAR, about −64% upside (overvalued). We carry closing prices from our data provider, not a live tick.
What should I pay attention to with CHUBB Arabia Cooperative Insurance right now?
The price sits above even our optimistic bull case (6.06 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.
Where does the earnings growth of CHUBB Arabia Cooperative Insurance (8240) come from?
Earnings per share at CHUBB Arabia Cooperative Insurance grew −49.4 % a year from 2013 to 2024. Broken into its drivers: revenue per share −49.3 %, EBIT margin −2.5 %, tax rate −1.1 %, residual (interest, one-offs) +3.4 %. 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 CHUBB Arabia Cooperative Insurance
How large is the market capitalisation of CHUBB Arabia Cooperative Insurance (8240)?
The market capitalisation of CHUBB Arabia Cooperative Insurance is 657M SAR (≈ $175M). 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 CHUBB Arabia Cooperative Insurance (8240)?
The price-to-sales ratio of CHUBB Arabia Cooperative Insurance is 1.58 (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 CHUBB Arabia Cooperative Insurance (8240)?
Earnings per share at CHUBB Arabia Cooperative Insurance are 0.2700 SAR (price ÷ EPS = P/E 61.9). Earnings per share over the last twelve months: total profit spread across every single share.
What is the net margin of CHUBB Arabia Cooperative Insurance (8240)?
The net margin of CHUBB Arabia Cooperative Insurance is 2.6% (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 CHUBB Arabia Cooperative Insurance (8240)?
The return on equity (ROE) of CHUBB Arabia Cooperative Insurance is 2.3% (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 CHUBB Arabia Cooperative Insurance (8240)?
On an EBIT basis the return on assets of CHUBB Arabia Cooperative Insurance is 3.4% (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 CHUBB Arabia Cooperative Insurance (8240)?
The operating margin of CHUBB Arabia Cooperative Insurance is 4.6% (last twelve months). Profit from the core business (before interest and taxes) relative to revenue.
How fast is revenue growing at CHUBB Arabia Cooperative Insurance (8240)?
Revenue at CHUBB Arabia Cooperative Insurance is growing +5.5% versus a year earlier (3y avg +44.9%). 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 CHUBB Arabia Cooperative Insurance (8240)?
Earnings per share at CHUBB Arabia Cooperative Insurance are growing +1.2% versus a year earlier. How much earnings per share grew versus a year earlier.
How much net cash does CHUBB Arabia Cooperative Insurance (8240) hold?
CHUBB Arabia Cooperative Insurance holds more cash than debt, 38.8M SAR net (fiscal year 2024). The company holds more cash than debt, a safety cushion.
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