Gulf General Cooperative Insurance (8260) fair value: what the stock is really worth
We calculate from audited financials what Gulf General Cooperative Insurance is really worth. The fair value tells you whether the price is too high or too low, the quality score (0 to 100) how solid the business behind it is. 26 models, 37 quality factors, updated daily.
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Price vs Fair Value
White line = price, green steps = our fair value per fiscal year, dashed = 300-day average. As of Sep 13, 2026.
How to read this chart
60‑month range 3.58 SAR – 35.20 SAR · fair‑value band 2.59 SAR – 5.17 SAR · the 3.90 SAR price screens above the 3.46 SAR fair value. Dashed = 300-day average. As of Sep 13, 2026.
Gulf General Cooperative Insurance Company provides various insurance products for business and individuals in the Kingdom of Saudi Arabia. The company offers motor, international travel, visitors, medical malpractice, marine, fire, and personal accident insurances for individuals.
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Gulf General Cooperative Insurance Company provides various insurance products for business and individuals in the Kingdom of Saudi Arabia. The company offers motor, international travel, visitors, medical malpractice, marine, fire, and personal accident insurances for individuals. It also provides personal accidents, motor, fidelity guarantee, marine, health care and life, engineering, public liability, and property insurance for corporate purposes. Gulf General Cooperative Insurance Company was founded in 2009 and is headquartered in Jeddah, the Kingdom of Saudi Arabia.
Stock analysis
Gulf General Cooperative Insurance (8260) currently trades at 3.90 SAR, while our model-based Fair Value estimate is 3.46 SAR, implying the stock looks roughly 12.7% overvalued today.
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Valuation
How firm this estimate is: it rests on 1 models at a data quality of 95/100, which puts the evidence level at low.
Scenario range: 2.59 SAR (bear) to 5.17 SAR (bull), the price of 3.90 SAR sits inside it. Bear and bull are the same models on cautious and optimistic assumptions, a range, not a price target.
Quality & growth
The Quality Score stands at 46/100 (below-average quality), in the Financial Services sector.
Weak Growth: Revenue growth is inconsistent: the periods point in different directions, so there is no trend to rely on.
Gulf General Cooperative Insurance 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.
Key figures
Market cap 117M SAR (≈ $31.2M) · P/S ratio 0.35 · EPS (TTM) −3.70 SAR · Net margin −36.6% · Return on equity −62.6% · Return on assets (EBIT) −16.6% · Operating margin −15.3% · Revenue (TTM) 321M SAR.
Competitive moat
Our AI-assisted moat analysis scores the competitive advantage at 32 out of 100 (low confidence).
What moves the price
The share trades about 29% below its 52-week high and 11% above its 52-week low, currently below its 200-day average.
For context, the median of 10 Financial Services peers we cover trades at −14% fair-value upside, at −11%, 8260 screens cheaper than that median.
Fair Value models
Bear 2.59 SARFair Value 3.46 SARBull 5.17 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.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.20/100
Revenue growth is inconsistent: the periods point in different directions, so there is no trend to rely on.
Revenue growth 1 year
−14.6%
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.
−5.2%
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.
+6.4%
Revenue growth 15 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.
+4.8%
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Profit margin (trend) ⓘ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.
4.1% (2020) → −35.5% (2025)
What shareholders gained per year ⓘWe only publish this rate when it is defensible. Reason: fiscal 2025 is a loss year, no rate is defined from a loss
Compare Gulf General Cooperative Insurance with another stock
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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 - Property & Casualty · 119 stocks
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Cite: Fair Value Calculator (2026). "Gulf General Cooperative Insurance Fair Value". https://www.fairvalue-calculator.com/stock/8260
Frequently asked questions
Is Gulf General Cooperative Insurance (8260) overvalued or undervalued?
As of Sep 13, 2026, our model estimates a fair value of 3.46 SAR versus a price of 3.90 SAR, about −11% upside (overvalued).
What is the fair value of 8260?
Our model-based fair value for Gulf General Cooperative Insurance is 3.46 SAR (as of Sep 13, 2026), built from audited fundamentals. The current price: 3.90 SAR.
What is the quality score of 8260?
Gulf General Cooperative Insurance has a Quality Score of 46/100. 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 Gulf General Cooperative Insurance (8260)?
Our model-based price target is the fair value of 3.46 SAR (as of Sep 13, 2026) from 1 valuation models. Cautious scenario 2.59 SAR, optimistic scenario 5.17 SAR. It is a calculation from audited fundamentals, not an analyst target.
What is the Gulf General Cooperative Insurance stock forecast for 2026?
Our models put fair value at 3.46 SAR, about −11% upside versus a price of 3.90 SAR (overvalued). Cautious scenario 2.59 SAR, optimistic scenario 5.17 SAR. The calculation is refreshed regularly with new filings.
What is the revenue of Gulf General Cooperative Insurance (8260)?
Gulf General Cooperative Insurance reported trailing-twelve-month revenue of about 321M SAR (latest available figure, as of Sep 13, 2026).
What is the intrinsic value of Gulf General Cooperative Insurance (8260)?
Intrinsic value and fair value mean the same thing: what the business is worth on its numbers, independent of the share price. For Gulf General Cooperative Insurance it is 3.46 SAR per share (as of Sep 13, 2026), against a price of 3.90 SAR. It is the blended result of 1 valuation models (cash flow, earnings, asset, dividend).
Is Gulf General Cooperative Insurance stock overvalued or undervalued in 2026?
As of Sep 13, 2026, 8260 trades above its calculated fair value: price 3.90 SAR, fair value 3.46 SAR, a gap of about −11% (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 8260?
No. The price is what the market pays today (3.90 SAR); the fair value is what the company's own numbers justify (3.46 SAR). For Gulf General Cooperative Insurance the two are 0.4400 SAR per share apart. That gap is exactly why we show both numbers side by side.
How much is Gulf General Cooperative Insurance worth?
The market values Gulf General Cooperative Insurance at about 117M SAR (market capitalisation, as of Sep 13, 2026). Per share that is 3.90 SAR; our models calculate a fair value of 3.46 SAR per share.
What do the bullish and bearish scenarios say about 8260?
Our models span a range for Gulf General Cooperative Insurance: cautious scenario 2.59 SAR, base 3.46 SAR, optimistic 5.17 SAR per share (as of Sep 13, 2026, price 3.90 SAR). The range comes from different growth and margin assumptions, not from analyst opinions.
How solid is the balance sheet of Gulf General Cooperative Insurance (8260)?
Balance-sheet figures for Gulf General Cooperative Insurance (as of Sep 13, 2026): return on equity −62.6%. They feed the Quality Score of 46/100, which measures business quality independently of the share price.
How far is 8260 from its 52-week high?
Gulf General Cooperative Insurance trades at 3.90 SAR, about 29% below its 52-week high of 5.51 SAR and 11% above the low of 3.51 SAR (as of Sep 13, 2026). Distance from the high says nothing about value: that is what the fair value of 3.46 SAR is for.
Which stocks are comparable to Gulf General Cooperative Insurance?
From the same area (Financial Services) we also value The Progressive Corporation, Chubb Limited, The Travelers Companies, Inc, The Allstate Corporation, 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 Gulf General Cooperative Insurance stock attractive at the current price?
The data as of Sep 13, 2026: price 3.90 SAR, calculated fair value 3.46 SAR (−11%), Quality Score 46/100, from 1 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 8260 calculated?
We run Gulf General Cooperative Insurance through 1 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 3.46 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 15.8 % above its aggregate fair value. Gulf General 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 should I pay attention to with Gulf General Cooperative Insurance right now?
A fairly wide model range (2.59 SAR to 5.17 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.
Key figures of Gulf General Cooperative Insurance
How large is the market capitalisation of Gulf General Cooperative Insurance (8260)?
The market capitalisation of Gulf General Cooperative Insurance is 117M SAR (≈ $31.2M). 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 Gulf General Cooperative Insurance (8260)?
The price-to-sales ratio of Gulf General Cooperative Insurance is 0.35 (last twelve months). Price to sales: market value relative to yearly revenue. Useful when profit is thin or distorted.
What are the earnings per share of Gulf General Cooperative Insurance (8260)?
Earnings per share at Gulf General Cooperative Insurance are −3.70 SAR. Earnings per share over the last twelve months: total profit spread across every single share.
What is the net margin of Gulf General Cooperative Insurance (8260)?
The net margin of Gulf General Cooperative Insurance is −36.6% (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 Gulf General Cooperative Insurance (8260)?
The return on equity (ROE) of Gulf General Cooperative Insurance is −62.6% (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 Gulf General Cooperative Insurance (8260)?
On an EBIT basis the return on assets of Gulf General Cooperative Insurance is −16.6% (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 Gulf General Cooperative Insurance (8260)?
The operating margin of Gulf General Cooperative Insurance is −15.3% (last twelve months). Profit from the core business (before interest and taxes) relative to revenue.
How fast is revenue growing at Gulf General Cooperative Insurance (8260)?
Revenue at Gulf General Cooperative Insurance is growing −13.0% versus a year earlier (3y avg −5.2%). 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 Gulf General Cooperative Insurance (8260)?
Earnings per share at Gulf General Cooperative Insurance are growing −81.8% versus a year earlier. How much earnings per share grew versus a year earlier.
How much free cash flow does Gulf General Cooperative Insurance (8260) generate?
The free cash flow of Gulf General Cooperative Insurance is −126M SAR (fiscal year 2025). The cash truly left after running and investing in the business, this is what pays dividends and buybacks.
How much net cash does Gulf General Cooperative Insurance (8260) hold?
Gulf General Cooperative Insurance holds more cash than debt, 6.0M SAR net (fiscal year 2025). The company holds more cash than debt, a safety cushion.
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