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8260 Fair Value & Analysis

Financial Services · Market cap 111M SAR

8 8260 8260 · SR
Price3.66 SAR
Fair Value3.69 SAR
Upside+0.8%
Quality41/100
Expensive Growth
Loss-making · -34.5% net margin
negative free cash flow
Trails peers (2/9)
Narrow moat 0/100
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Evidence: Low Range 2.75 SAR – 5.50 SAR Share as image

Fair value as of: Jul 31, 2026

From 1 valuation models · updated today

Share price −7.3% over the past month.

What matters now

  • The price sits close to our fair value, market and models broadly agree here, little valuation tension.
  • A fairly wide model range (2.75 SAR to 5.50 SAR) leaves room in how you read the outcome.
  • Evidence is limited here (fewer models, shorter history), so the fair value is a rougher estimate than usual.
  • 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)

5.29 SAR 3.58 SAR Fair Value 3.69 SAR Aug 2025 Jul 2026

12‑month range 3.58 SAR – 5.29 SAR · fair‑value band 2.75 SAR – 5.50 SAR · the 3.66 SAR price screens below the 3.69 SAR fair value. As of Jul 31, 2026.

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Analysis

8260 (8260) currently trades at 3.66 SAR, while our model-based Fair Value estimate is 3.69 SAR, implying the stock looks roughly 0.8% fairly valued today. We read business quality at 41/100 (below-average quality), in the Financial Services sector. Bull case: trading below our estimate, it may offer upside if the fundamentals hold. Bear case: a low price can be a value trap when quality is weak or the data is thin (evidence: low), always confirm before acting.

Over the trailing twelve months, 8260 generated revenue of 321M SAR at a net margin of -34.5%. Revenue declined 13.0% year over year. It earns a return on equity of -62.6%. The balance sheet holds a net cash position of 6.0M SAR. Fundamentals as of Jul 31, 2026

Our scenario range runs from 2.75 SAR (bear case) to 5.50 SAR (bull case); at 3.66 SAR, the current price sits within that range. The share trades about 34% 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 62% fair-value upside, at 1%, 8260 screens richer than that median.

Key figures & financial health

Revenue (TTM) 321M SAR
Revenue growth (YoY) -13.0%
Net margin -34.5%
Return on equity -62.6%
Free cash flow −126M SAR FY2025
Operating margin -15.3%
More key figures
EPS (TTM) -3.70 SAR
EPS growth (YoY) -81.8%
Net cash 6.0M SAR FY2025

Figures from reported company fundamentals · as of Jul 31, 2026. TTM = trailing twelve months.

Quality Score breakdown

Overall quality 41/100
Profitability 34
Quality Growth 35
Cashflow 12
Fin. Strength 59
Investment 100
Low Volatility 82
Momentum 26
52W Momentum 5
Net Issuance 82

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

8260 reported revenue of 329M SAR in FY2025 versus 265M SAR in FY2021, a compound +5.6%/yr. Reported net income was −120M SAR in FY2025.

Revenue +5.6%/yr
FY21 265M SAR
FY22 386M SAR
FY23 377M SAR
FY24 385M SAR
FY25 329M SAR
Net income
FY21 −86.8M SAR
FY22 −106M SAR
FY23 3.5M SAR
FY24 −94.2M SAR
FY25 −120M SAR

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Cite: Fair Value Calculator (2026). "8260 Fair Value". https://www.fairvalue-calculator.com/stock/8260

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 34 / 43
FUTURE 0 / 30
PAST 0 / 56
HEALTH 0 / 92
DIVIDEND 0 / 48

Values & ESG

Does this company touch areas you may want to avoid? The classification is inferred from sector and industry.

None of the checked exposures detected

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$419.16 R$86.39 -79%
The Progressive Corporation PGR $207.38 $335.04 +62%
Tokio Marine Holdings TKOMF $45.59 $41.60 -9%
The Travelers Companies, Inc TRV $303.25 $342.77 +13%
The Allstate Corporation ALL $223.34 $446.68 +100%
The People's Insurance Company 601319 ¥6.78 ¥13.56 +100%
PICC Property and Casualty Company PPCCY $48.70 $64.67 +33%
MS&AD Insurance Group MSADF $29.91 $59.82 +100%
Intact Financial Corporation IFC C$282.25 C$213.20 -24%
Sompo Holdings SMPNY $19.53 $36.39 +86%

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Frequently asked questions

Is 8260 overvalued or undervalued?
As of Jul 31, 2026, our model estimates a fair value of 3.69 SAR versus a price of 3.66 SAR, about +1% (fairly valued).
What is the fair value of 8260?
Our model-based fair value for 8260 is 3.69 SAR (as of Jul 31, 2026), built from audited fundamentals. The current price is 3.66 SAR.
What is the quality score of 8260?
8260 has a Quality Score of 41/100, measuring profitability, growth and balance-sheet strength from non-valuation factors.
What is the revenue of 8260?
8260 reported trailing-twelve-month revenue of about 321M SAR (latest available figure, as of Jul 31, 2026).
What is the net profit margin of 8260?
The net profit margin of 8260 is about -34.5%, meaning it is currently running at a net loss. Based on the latest reported figures.

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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