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8300 Fair Value & Analysis

Financial Services · Market cap 448M SAR

8 8300 8300 · SR
Price11.20 SAR
Fair Value12.05 SAR
Upside+7.6%
Quality39/100
Expensive Growth
Thin margins · 1.0% net margin
negative free cash flow
Trails peers (3/10)
Narrow moat 17/100
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Evidence: High Range 9.04 SAR – 15.07 SAR Share as image

Fair value as of: Jul 31, 2026

From 15 valuation models · updated today

Share price −16.4% over the past month.

What matters now

  • The price sits close to our fair value, market and models broadly agree here, little valuation tension.
  • 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)

16.45 SAR 11.20 SAR Fair Value 12.05 SAR Aug 2025 Jul 2026

12‑month range 11.20 SAR – 16.45 SAR · fair‑value band 9.04 SAR – 15.07 SAR · the 11.20 SAR price screens below the 12.05 SAR fair value. As of Jul 31, 2026.

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Analysis

8300 (8300) currently trades at 11.20 SAR, while our model-based Fair Value estimate is 12.05 SAR, implying the stock looks roughly 7.6% fairly valued today. We read business quality at 39/100 (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: high), always confirm before acting.

Over the trailing twelve months, 8300 generated revenue of 2.1B SAR at a net margin of 1.0%. Revenue grew 40.6% year over year. It earns a return on equity of 3.3%. The balance sheet holds a net cash position of 99.1M SAR. Fundamentals as of Jul 31, 2026

Our scenario range runs from 9.04 SAR (bear case) to 15.07 SAR (bull case); at 11.20 SAR, the current price sits within that range. The share trades about 32% below its 52-week high, currently below its 200-day average. For context, the median of 10 Financial Services peers we cover trades at -16% fair-value upside, at 8%, 8300 screens cheaper than that median.

Key figures & financial health

Revenue (TTM) 2.1B SAR
Revenue growth (YoY) +40.6%
Net margin 1.0%
Return on equity 3.3%
Free cash flow −67.8M SAR FY2025
P/E ratio 21.5
More key figures
Operating margin -1.2%
EPS (TTM) 0.5200 SAR
EPS growth (YoY) -29.0%
Net cash 99.1M SAR FY2025

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

Quality Score breakdown

Overall quality 39/100
Profitability 49
Quality Growth 64
Cashflow 5
Fin. Strength 55
Investment 45
Low Volatility 78
Momentum 21
52W Momentum 2
Net Issuance 71

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

8300 reported revenue of 1.9B SAR in FY2025 versus 559M SAR in FY2021, a compound +35.8%/yr. Reported net income was 37.1M SAR in FY2025.

Revenue +35.8%/yr
FY21 559M SAR
FY22 556M SAR
FY23 996M SAR
FY24 1.3B SAR
FY25 1.9B SAR
Net income
FY21 −54.5M SAR
FY22 −27.7M SAR
FY23 84.6M SAR
FY24 103M SAR
FY25 37.1M SAR

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Cite: Fair Value Calculator (2026). "8300 Fair Value". https://www.fairvalue-calculator.com/stock/8300

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 43 / 44
FUTURE 100 / 29
PAST 13 / 49
HEALTH 0 / 89
DIVIDEND 0 / 50

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 - 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 BRYN €423.40 €346.77 -18%
Allianz SE ALV €381.50 €309.45 -19%
Zurich Insurance Group ZURN CHF 557.00 CHF 526.58 -5%
AXA SA AXAN 795.49 MXN 1,003 MXN +26%
Assicurazioni Generali S.p.A ARZGY $24.04 $19.38 -19%
Sun Life Financial Inc SLF C$104.47 C$87.84 -16%
American International Group AIGB34 R$394.65 R$91.86 -77%
The Hartford Insurance Group H1IG34 R$727.00 R$1,310 +80%
BB Seguridade Participações S.A BBSE3 R$38.63 R$58.14 +51%
Tryg A/S TRYG kr 150.80 kr 109.55 -27%

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Frequently asked questions

Is 8300 overvalued or undervalued?
As of Jul 31, 2026, our model estimates a fair value of 12.05 SAR versus a price of 11.20 SAR, about +8% (fairly valued).
What is the fair value of 8300?
Our model-based fair value for 8300 is 12.05 SAR (as of Jul 31, 2026), built from audited fundamentals. The current price is 11.20 SAR.
What is the quality score of 8300?
8300 has a Quality Score of 39/100, measuring profitability, growth and balance-sheet strength from non-valuation factors.
What is the revenue of 8300?
8300 reported trailing-twelve-month revenue of about 2.1B SAR (latest available figure, as of Jul 31, 2026).
What is the net profit margin of 8300?
The net profit margin of 8300 is about 1.0%, meaning it keeps roughly 1.0% of revenue as net income. 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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