Al Alamiya Cooperative Insurance (8280) fair value: what the stock is really worth
We calculate from audited financials what Al Alamiya 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 9.50 SAR – 34.40 SAR · fair‑value band 8.95 SAR – 9.00 SAR · the 15.39 SAR price screens above the 9.00 SAR fair value. Dashed = 300-day average. As of Sep 13, 2026.
Liva Insurance Company engages in the insurance and reinsurance businesses primarily in the Kingdom of Saudi Arabia. It operates through six segments: Property, Cars, Engineering, Marine, Group Life, and Others. The company offers car, travel, and home insurance products.
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Liva Insurance Company engages in the insurance and reinsurance businesses primarily in the Kingdom of Saudi Arabia. It operates through six segments: Property, Cars, Engineering, Marine, Group Life, and Others. The company offers car, travel, and home insurance products. In addition, it offers small and medium business package solutions, motor fleet, property, marine, engineering, life, workmen's compensation, liability, and general accident insurance products. The company was formerly known as Al Alamiya for Cooperative Insurance Company and changed its name to Liva Insurance Company in November 2023. Liva Insurance Company was founded in 2009 and is headquartered in Riyadh, Saudi Arabia. Liva Insurance Company is a subsidiary of Liva Insurance B.S.C.
Stock analysis
Al Alamiya Cooperative Insurance (8280) currently trades at 15.39 SAR, while our model-based Fair Value estimate is 9.00 SAR, implying the stock looks roughly 71.0% overvalued today.
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Valuation
Bull case: the Economic Profit group reads highest at a median of 8.74 SAR per share, and 0 of the 4 models we run sit above the 15.39 SAR price.
Bear case: the Asset-Based group reads lowest at 8.02 SAR, and 4 of the 4 models stay below the price. Evidence for this calculation is high.
Scenario range: 8.95 SAR (bear) to 9.00 SAR (bull), the price of 15.39 SAR sits above 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 66/100 (solid quality), in the Financial Services sector.
Mixed Growth: Revenue is growing, but margins or cash flow do not fully confirm the trend.
Al Alamiya Cooperative Insurance reported revenue of 610M SAR in FY2025 versus 116M SAR in FY2021, a compound +51.4%/yr. Reported net income was 26.6M SAR in FY2025.
Key figures
Market cap 616M SAR (≈ $164M) · P/E ratio 19.2 · P/S ratio 0.84 · EPS (TTM) 0.8000 SAR · Net margin 4.4% · Return on equity 6.9% · Return on assets (EBIT) 0.2% · Operating margin 4.3%.
Competitive moat
Our AI-assisted moat analysis scores the competitive advantage at 47 out of 100 (low confidence).
What moves the price
The share trades about 6% below its 52-week high and 64% above its 52-week low, currently above its 200-day average.
For context, the median of 10 Financial Services peers we cover trades at −11% fair-value upside, at −42%, 8280 screens richer than that median.
Fair Value models
Bear 8.95 SARFair Value 9.00 SARBull 9.00 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 8 months old). Earnings retained since then (0.5633 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.81/100
Revenue is growing, but margins or cash flow do not fully confirm the trend.
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.
+9.7%
Earnings growth per share plus dividend.
Earnings per share, growth per year+9.7%
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.10% vs −4%, picking up
Profit margin 2020 to 2025 ⓘ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.2% → 5%
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).
−9.0%
Yearly growth needed for the next five years to justify today's price.
Compare Al Alamiya 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 7/12 measures
A mixed picture versus its industry peers.
Valuation
Quality Score68 · Top 25%
Fair Value upside−33% · Below median
Profitability
Return on equity (TTM)7% · Below median
Return on assets2% · Above median
Net margin (TTM)5% · Below median
Operating margin (TTM)4% · Bottom 25%
Growth and dividend
Revenue growth44% · Top 25%
Valuation Multiplesvs Insurance - Diversified median · lower = cheaper
P/E (TTM)19.2× · Pricier than median
P/B0.31× · Cheapest 25%
P/S (TTM)0.22× · Cheapest 25%
P/FCF1.7× · Cheaper than median
EV/EBITDA1.2× · Cheapest 25%
Strength profile in five axes (Snowflake)
This stockSector peers
VALUE (fair-value potential)0· sector 5
FUTURE (revenue growth)100· sector 31
PAST (return on equity)28· 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 Al Alamiya Cooperative Insurance (8280) overvalued or undervalued?
As of Sep 13, 2026, our model estimates a fair value of 9.00 SAR versus a price of 15.39 SAR, about −42% upside (overvalued).
What is the fair value of 8280?
Our model-based fair value for Al Alamiya Cooperative Insurance is 9.00 SAR (as of Sep 13, 2026), built from audited fundamentals. The current price: 15.39 SAR.
What is the quality score of 8280?
Al Alamiya Cooperative Insurance has a Quality Score of 66/100. 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 Al Alamiya Cooperative Insurance (8280)?
Our model-based price target is the fair value of 9.00 SAR (as of Sep 13, 2026) from 4 valuation models. Cautious scenario 8.95 SAR, optimistic scenario 9.00 SAR. It is a calculation from audited fundamentals, not an analyst target.
What is the Al Alamiya Cooperative Insurance stock forecast for 2026?
Our models put fair value at 9.00 SAR, about −42% upside versus a price of 15.39 SAR (overvalued). Cautious scenario 8.95 SAR, optimistic scenario 9.00 SAR. The calculation is refreshed regularly with new filings.
What is the revenue of Al Alamiya Cooperative Insurance (8280)?
Al Alamiya Cooperative Insurance reported trailing-twelve-month revenue of about 671M SAR (latest available figure, as of Sep 13, 2026).
What growth is priced into Al Alamiya Cooperative Insurance (8280)?
For today's price to be fair in a discounted-cash-flow model, Al Alamiya Cooperative Insurance would have to grow free cash flow by -9.0 % 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 +44.9 % per year. As of Sep 13, 2026.
What discount rate (WACC) does the fair value of 8280 use?
Our models discount Al Alamiya Cooperative Insurance at 11.8 %: a base by market capitalisation (micro), damped by beta 0.13, 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 Al Alamiya Cooperative Insurance that is -9.0 % 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 Al Alamiya Cooperative Insurance (8280) delivered so far?
Over the past 5 years revenue at Al Alamiya Cooperative Insurance grew +44.9 % a year. The price currently implies -9.0 % 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 Al Alamiya Cooperative Insurance (8280) growing?
The median revenue growth in the sector is +8.2 % a year. That is the yardstick for the growth priced into Al Alamiya Cooperative Insurance (-9.0 % 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 Al Alamiya Cooperative Insurance (8280)?
The free-cash-flow yield on the price is 14.30 %: that much free cash flow Al Alamiya 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 Al Alamiya Cooperative Insurance (8280)?
Intrinsic value and fair value mean the same thing: what the business is worth on its numbers, independent of the share price. For Al Alamiya Cooperative Insurance it is 9.00 SAR per share (as of Sep 13, 2026), against a price of 15.39 SAR. It is the blended result of 4 valuation models (cash flow, earnings, asset, dividend).
Is Al Alamiya Cooperative Insurance stock overvalued or undervalued in 2026?
As of Sep 13, 2026, 8280 trades above its calculated fair value: price 15.39 SAR, fair value 9.00 SAR, a gap of about −42% (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 8280?
No. The price is what the market pays today (15.39 SAR); the fair value is what the company's own numbers justify (9.00 SAR). For Al Alamiya Cooperative Insurance the two are 6.39 SAR per share apart. That gap is exactly why we show both numbers side by side.
How much is Al Alamiya Cooperative Insurance worth?
The market values Al Alamiya Cooperative Insurance at about 616M SAR (market capitalisation, as of Sep 13, 2026). Per share that is 15.39 SAR; our models calculate a fair value of 9.00 SAR per share.
What do the bullish and bearish scenarios say about 8280?
Our models span a range for Al Alamiya Cooperative Insurance: cautious scenario 8.95 SAR, base 9.00 SAR, optimistic 9.00 SAR per share (as of Sep 13, 2026, price 15.39 SAR). The range comes from different growth and margin assumptions, not from analyst opinions.
What is the P/E ratio of 8280?
Al Alamiya Cooperative Insurance trades at a price-to-earnings ratio of 19.2 (as of Sep 13, 2026). A P/E on its own says little: it compares the price with ONE year of profit, while our fair value of 9.00 SAR is built from several models across several years. Other multiples: P/B 0.3, P/S 0.2, EV/EBITDA 1.2.
How solid is the balance sheet of Al Alamiya Cooperative Insurance (8280)?
Balance-sheet figures for Al Alamiya Cooperative Insurance (as of Sep 13, 2026): return on equity 6.9%. They feed the Quality Score of 66/100, which measures business quality independently of the share price.
How far is 8280 from its 52-week high?
Al Alamiya Cooperative Insurance trades at 15.39 SAR, about 6% below its 52-week high of 16.40 SAR and 64% above the low of 9.37 SAR (as of Sep 13, 2026). Distance from the high says nothing about value: that is what the fair value of 9.00 SAR is for.
Which stocks are comparable to Al Alamiya Cooperative Insurance?
From the same area (Financial Services) we also value Berkshire Hathaway Inc, Allianz SE, Zurich Insurance Group, AXA SA, 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 Al Alamiya Cooperative Insurance stock attractive at the current price?
The data as of Sep 13, 2026: price 15.39 SAR, calculated fair value 9.00 SAR (−42%), Quality Score 66/100, 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 8280 calculated?
We run Al Alamiya 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 9.00 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. Al Alamiya 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 Al Alamiya Cooperative Insurance right now?
The price sits above even our optimistic bull case (9.00 SAR). The favourable scenario is already priced in. Solid but not exceptional quality (66/100) and above fair value, neither a clear bargain nor a standout compounder. The models converge in a tight band (8.95 SAR to 9.00 SAR), unusually little disagreement for a valuation. 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 Al Alamiya Cooperative Insurance (8280) come from?
Earnings per share at Al Alamiya Cooperative Insurance grew −6.2 % a year from 2015 to 2025. Broken into its drivers: revenue per share +7.9 %, EBIT margin −11.7 %, tax rate −1.7 %, residual (interest, one-offs) +0.0 %. 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 Al Alamiya Cooperative Insurance
How large is the market capitalisation of Al Alamiya Cooperative Insurance (8280)?
The market capitalisation of Al Alamiya Cooperative Insurance is 616M SAR (≈ $164M). 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 Al Alamiya Cooperative Insurance (8280)?
The price-to-sales ratio of Al Alamiya Cooperative Insurance is 0.84 (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 Al Alamiya Cooperative Insurance (8280)?
Earnings per share at Al Alamiya Cooperative Insurance are 0.8000 SAR (price ÷ EPS = P/E 19.2). Earnings per share over the last twelve months: total profit spread across every single share.
What is the net margin of Al Alamiya Cooperative Insurance (8280)?
The net margin of Al Alamiya Cooperative Insurance is 4.4% (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 Al Alamiya Cooperative Insurance (8280)?
The return on equity (ROE) of Al Alamiya Cooperative Insurance is 6.9% (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 Al Alamiya Cooperative Insurance (8280)?
On an EBIT basis the return on assets of Al Alamiya Cooperative Insurance is 0.2% (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 Al Alamiya Cooperative Insurance (8280)?
The operating margin of Al Alamiya Cooperative Insurance is 4.3% (last twelve months). Profit from the core business (before interest and taxes) relative to revenue.
How fast is revenue growing at Al Alamiya Cooperative Insurance (8280)?
Revenue at Al Alamiya Cooperative Insurance is growing +43.6% versus a year earlier (3y avg +37.1%). 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 Al Alamiya Cooperative Insurance (8280)?
Earnings per share at Al Alamiya Cooperative Insurance are growing +260% versus a year earlier. How much earnings per share grew versus a year earlier.
How much net cash does Al Alamiya Cooperative Insurance (8280) hold?
Al Alamiya Cooperative Insurance holds more cash than debt, 99.4M SAR net (fiscal year 2025). The company holds more cash than debt, a safety cushion.
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