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Wataniya Insurance Company (8300) fair value: what the stock is really worth

We calculate from audited financials what Wataniya Insurance Company 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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  2. Good quality? No
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Financial Services · SA · ISIN SA12HG541M13

WI Some data Sep 13, 2026

Wataniya Insurance Company

8300 · SR

Weak valuationQuality is weak on top of the rich price.

!Fair value 12.25 SAR · Overvalued (−20%)
!Quality 45/100
!Expensive Growth (revenue 5y +31.6 %/yr)
!Thin margins · 1.0% net margin (TTM)
!negative free cash flow
!Mixed vs. peers (5/11)
!Narrow moat 30/100
!Evidence only medium, so the estimate is less certain
!Weak on valuation: 6 out of 100
!Weak on past: 13 out of 100
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What runs behind every stock

26 valuation models 8 families, DCF to NCAV 37 quality factors margins, balance sheet, cashflow, debt 6 AI factors moat, what no ratio measures 2,000+ data points verified, per stock, median

69 individual criteria per stock, every one traceable See the method →

Price vs Fair Value

35.72 SAR 11.20 SAR Fair Value 12.25 SAR May 2021 Sep 2026

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 11.20 SAR – 35.72 SAR · fair‑value band 10.18 SAR – 15.75 SAR · the 15.40 SAR price screens above the 12.25 SAR fair value. Dashed = 300-day average. As of Sep 13, 2026.

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Company profile

Wataniya Insurance Company provides insurance products and services in the Kingdom of Saudi Arabia. It operates through Marine, Property, Motor Comprehensive, Motor Third Party Liability, Engineering, Accident & Liability, and Term Life segments.

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Wataniya Insurance Company provides insurance products and services in the Kingdom of Saudi Arabia. It operates through Marine, Property, Motor Comprehensive, Motor Third Party Liability, Engineering, Accident & Liability, and Term Life segments. The company offers insurance against losses and liability related to marine vessels and cargo; fire and other insurance; insurance against damages to vehicles due to storm, tempest, flood, fire, theft, and personal accident; insurance against liability to third parties arising through accidents; and insurance for builder's risks, construction, mechanical, electrical, electronic, and machinery breakdown, as well as life insurance. It also provides money insurance, fidelity guarantee, business all risk, business travel, and exhibition insurance; and general third-party liability, product liability, workmen's compensation/employer's liability, and damages to motor vehicles after the manufacturer warranty expires, as well as professional indemnity cover protecting the insured's legal liability arising out of acts of negligence during their business operations. The company was founded in 1975 and is headquartered in Jeddah, the Kingdom of Saudi Arabia.

Stock analysis

Wataniya Insurance Company (8300) currently trades at 15.40 SAR, while our model-based Fair Value estimate is 12.25 SAR, implying the stock looks roughly 25.7% overvalued today.

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Valuation

Bull case: the Economic Profit group reads highest at a median of 12.06 SAR per share, and 1 of the 4 models we run sit above the 15.40 SAR price.

Bear case: the Asset-Based group reads lowest at 11.02 SAR, and 3 of the 4 models stay below the price. Evidence for this calculation is medium.

Scenario range: 10.18 SAR (bear) to 15.75 SAR (bull), the price of 15.40 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 45/100 (below-average quality), in the Financial Services sector.

Expensive Growth: The company is growing, but growth may require heavy reinvestment or weak cash conversion.

Wataniya Insurance Company 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.

Key figures

Market cap 614M SAR (≈ $164M) · P/E ratio 29.6 · P/S ratio 0.58 · EPS (TTM) 0.5200 SAR · Net margin 1.9% · Return on equity 3.3% · Return on assets (EBIT) 1.3% · Operating margin −1.2%.

Competitive moat

Our AI-assisted moat analysis scores the competitive advantage at 42 out of 100 (medium confidence).

What moves the price

The share trades about 7% below its 52-week high and 38% 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 −20%, 8300 screens richer than that median.

Fair Value models

Bear 10.18 SAR Fair Value 12.25 SAR Bull 15.75 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 (0.3661 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.
Highest evidence
Residual Income 12.06 SAR 12.06 SAR 11.09 SAR 71
P/E Multiple 9.04 SAR 12.05 SAR 15.07 SAR 63
P/B Multiple 11.82 SAR 15.76 SAR 19.70 SAR 55
All 4 models by family
Multiples
P/E Multiple 9.04 SAR 12.05 SAR 15.07 SAR 63
P/B Multiple 11.82 SAR 15.76 SAR 19.70 SAR 55
Asset-Based
NCAV (Graham) 8.22 SAR 11.02 SAR 16.45 SAR 51
Economic Profit
Residual Income 12.06 SAR 12.06 SAR 11.09 SAR 71

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Quality Score breakdown

Overall quality 45/100

Of which business quality 46 · Market factors (momentum, volatility) 61

Profitability 49
Margins and returns on capital today
Quality Growth 64
Are margins and returns improving?
Cashflow 5
Earnings quality: real cash, not paper profit
Fin. Strength 55
Balance sheet, leverage, solvency risk
Investment 45
Disciplined investing over empire-building
Low Volatility 65
Calm price path (market factor)
Momentum 60
Price trend over the last 3–12 months (market factor)
52W Momentum 58
Distance to the 52-week high (market factor)
Net Issuance 71
Share count: buybacks or dilution?

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Revenue & earnings trend

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. 58/100
The company is growing, but growth may require heavy reinvestment or weak cash conversion.
Revenue growth 1 year
+42.5%
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.
+50.7%
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.
+31.6%
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.
+22.5%
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.
+12.5%
Earnings growth per share plus dividend.
Earnings per share, growth per year+12.5%
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.13% vs 0%, 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.4% → 3%

8300 screens 26% overvalued. Compare with Berkshire Hathaway Inc →

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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 4/10 measures
A mixed picture versus its industry peers.
Valuation
Quality Score 46 · Bottom 25%
Fair Value upside −10% · Above median
Profitability
Return on equity (TTM) 3% · Bottom 25%
Return on assets 1% · Below median
Net margin (TTM) 1% · Bottom 25%
Operating margin (TTM) −1% · Bottom 25%
Growth and dividend
Revenue growth 41% · Top 25%

Valuation Multiplesvs Insurance - Diversified median · lower = cheaper

P/E (TTM) 29.6× · Priciest 25%
P/B 0.18× · Cheapest 25%
P/S (TTM) 0.06× · Cheapest 25%

Strength profile in five axes (Snowflake)

VALUEFUTUREPASTHEALTHDIVIDEND
This stock
VALUEFUTUREPASTHEALTHDIVIDEND
Sector peers
VALUE (fair-value potential)6 · sector 5
FUTURE (revenue growth)100 · sector 31
PAST (return on equity)13 · sector 49
HEALTH (low debt)0 · sector 89
DIVIDEND (yield)0 · sector 73

Context: sector, industry, market

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

Similar stocks

10 more Insurance - Diversified stocks, each showing price versus our Fair Value estimate.

Stock Price Fair Value vs Fair Value
Berkshire Hathaway Inc BRKB80 1.67 THB 1.48 THB −11%
Allianz SE ALV €442.30 €242.44 −45%
Zurich Insurance Group ZURN CHF 588.20 CHF 336.00 −43%
AXA SA CS €43.19 €39.76 −8%
Assicurazioni Generali S.p.A G €45.08 €10.92 −76%
Sun Life Financial Inc SLF C$110.55 C$57.05 −48%
American International Group AIG $75.33 $70.37 −7%
The Hartford Insurance Group HIG $136.36 $133.10 −2%
Arch Capital Group ACGL $96.09 $124.45 +30%
Swiss Life Holding SLHN CHF 912.80 CHF 413.93 −55%

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Wataniya Insurance Company · Fair Value
12.25 SAR −26%Fair Value
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Cite: Fair Value Calculator (2026). "Wataniya Insurance Company Fair Value". https://www.fairvalue-calculator.com/stock/8300

Frequently asked questions

Is Wataniya Insurance Company (8300) overvalued or undervalued?
As of Sep 13, 2026, our model estimates a fair value of 12.25 SAR versus a price of 15.40 SAR, about −20% upside (overvalued).
What is the fair value of 8300?
Our model-based fair value for Wataniya Insurance Company is 12.25 SAR (as of Sep 13, 2026), built from audited fundamentals. The current price: 15.40 SAR.
What is the quality score of 8300?
Wataniya Insurance Company has a Quality Score of 45/100. 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 Wataniya Insurance Company (8300)?
Our model-based price target is the fair value of 12.25 SAR (as of Sep 13, 2026) from 4 valuation models. Cautious scenario 10.18 SAR, optimistic scenario 15.75 SAR. It is a calculation from audited fundamentals, not an analyst target.
What is the Wataniya Insurance Company stock forecast for 2026?
Our models put fair value at 12.25 SAR, about −20% upside versus a price of 15.40 SAR (overvalued). Cautious scenario 10.18 SAR, optimistic scenario 15.75 SAR. The calculation is refreshed regularly with new filings.
What is the revenue of Wataniya Insurance Company (8300)?
Wataniya Insurance Company reported trailing-twelve-month revenue of about 2.1B SAR (latest available figure, as of Sep 13, 2026).
What is the intrinsic value of Wataniya Insurance Company (8300)?
Intrinsic value and fair value mean the same thing: what the business is worth on its numbers, independent of the share price. For Wataniya Insurance Company it is 12.25 SAR per share (as of Sep 13, 2026), against a price of 15.40 SAR. It is the blended result of 4 valuation models (cash flow, earnings, asset, dividend).
Is Wataniya Insurance Company stock overvalued or undervalued in 2026?
As of Sep 13, 2026, 8300 trades above its calculated fair value: price 15.40 SAR, fair value 12.25 SAR, a gap of about −20% (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 8300?
No. The price is what the market pays today (15.40 SAR); the fair value is what the company's own numbers justify (12.25 SAR). For Wataniya Insurance Company the two are 3.15 SAR per share apart. That gap is exactly why we show both numbers side by side.
How much is Wataniya Insurance Company worth?
The market values Wataniya Insurance Company at about 614M SAR (market capitalisation, as of Sep 13, 2026). Per share that is 15.40 SAR; our models calculate a fair value of 12.25 SAR per share.
What do the bullish and bearish scenarios say about 8300?
Our models span a range for Wataniya Insurance Company: cautious scenario 10.18 SAR, base 12.25 SAR, optimistic 15.75 SAR per share (as of Sep 13, 2026, price 15.40 SAR). The range comes from different growth and margin assumptions, not from analyst opinions.
What is the P/E ratio of 8300?
Wataniya Insurance Company trades at a price-to-earnings ratio of 29.6 (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 12.25 SAR is built from several models across several years. Other multiples: P/B 0.2, P/S 0.1.
How solid is the balance sheet of Wataniya Insurance Company (8300)?
Balance-sheet figures for Wataniya Insurance Company (as of Sep 13, 2026): return on equity 3.3%. They feed the Quality Score of 45/100, which measures business quality independently of the share price.
How far is 8300 from its 52-week high?
Wataniya Insurance Company trades at 15.40 SAR, about 7% below its 52-week high of 16.50 SAR and 38% above the low of 11.16 SAR (as of Sep 13, 2026). Distance from the high says nothing about value: that is what the fair value of 12.25 SAR is for.
Which stocks are comparable to Wataniya Insurance Company?
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 Wataniya Insurance Company stock attractive at the current price?
The data as of Sep 13, 2026: price 15.40 SAR, calculated fair value 12.25 SAR (−20%), Quality Score 45/100, 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 8300 calculated?
We run Wataniya Insurance Company 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 12.25 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. Wataniya Insurance Company 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 Wataniya Insurance Company right now?
Solid but not exceptional quality (45/100) 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 Wataniya Insurance Company (8300) come from?
Earnings per share at Wataniya Insurance Company grew +7.5 % a year from 2014 to 2025. Broken into its drivers: revenue per share +15.4 %, EBIT margin −26.6 %, tax rate −1.7 %, residual (interest, one-offs) +29.1 %. 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 Wataniya Insurance Company

How large is the market capitalisation of Wataniya Insurance Company (8300)?
The market capitalisation of Wataniya Insurance Company is 614M 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 Wataniya Insurance Company (8300)?
The price-to-sales ratio of Wataniya Insurance Company is 0.58 (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 Wataniya Insurance Company (8300)?
Earnings per share at Wataniya Insurance Company are 0.5200 SAR (price ÷ EPS = P/E 29.6). Earnings per share over the last twelve months: total profit spread across every single share.
What is the net margin of Wataniya Insurance Company (8300)?
The net margin of Wataniya Insurance Company is 1.9% (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 Wataniya Insurance Company (8300)?
The return on equity (ROE) of Wataniya Insurance Company is 3.3% (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 Wataniya Insurance Company (8300)?
On an EBIT basis the return on assets of Wataniya Insurance Company is 1.3% (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 Wataniya Insurance Company (8300)?
The operating margin of Wataniya Insurance Company is −1.2% (last twelve months). Profit from the core business (before interest and taxes) relative to revenue.
How fast is revenue growing at Wataniya Insurance Company (8300)?
Revenue at Wataniya Insurance Company is growing +40.6% versus a year earlier (3y avg +50.7%). 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 Wataniya Insurance Company (8300)?
Earnings per share at Wataniya Insurance Company are growing −29.0% versus a year earlier. How much earnings per share grew versus a year earlier.
How much free cash flow does Wataniya Insurance Company (8300) generate?
The free cash flow of Wataniya Insurance Company is −67.8M 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 Wataniya Insurance Company (8300) hold?
Wataniya Insurance Company holds more cash than debt, 99.1M SAR net (fiscal year 2025). The company holds more cash than debt, a safety cushion.
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