8310 Fair Value & Analysis
Financial Services · Market cap 291M SAR
Fair value as of: Jul 31, 2026
From 7 valuation models · updated today
Share price −8.7% over the past month.
What matters now
- The price is below even our cautious bear case (10.92 SAR). The market is more pessimistic than our downside scenario.
- The large gap to fair value rests on thin data (low evidence): fewer applicable models and a shorter history. Read it with extra caution.
- Solid quality (48/100) at a price below fair value, the discount is the argument here, not the business quality.
- 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)
12‑month range 5.30 SAR – 8.25 SAR · fair‑value band 10.92 SAR – 15.07 SAR · the 6.78 SAR price screens below the 13.00 SAR fair value. As of Jul 31, 2026.
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8310 (8310) currently trades at 6.78 SAR, while our model-based Fair Value estimate is 13.00 SAR, implying the stock looks roughly 91.7% undervalued today. We read business quality at 48/100 (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, 8310 generated revenue of 314M SAR at a net margin of -4.4%. Revenue grew 51.0% year over year. It earns a return on equity of -4.5%. The balance sheet holds a net cash position of 262M SAR. Fundamentals as of Jul 31, 2026
Our scenario range runs from 10.92 SAR (bear case) to 15.07 SAR (bull case); at 6.78 SAR, the current price sits below that range. The share trades about 23% below its 52-week high and 36% above its 52-week low, currently above its 200-day average. For context, the median of 10 Financial Services peers we cover trades at -14% fair-value upside, at 92%, 8310 screens cheaper than that median.
Key figures & financial health
More key figures
Figures from reported company fundamentals · as of Jul 31, 2026. TTM = trailing twelve months.
Quality Score breakdown
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
8310 reported revenue of 298M SAR in FY2025 versus 254M SAR in FY2021, a compound +4.1%/yr. Reported net income was −13.3M SAR in FY2025.
Is 8310 fairly valued? → Check now
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.
Values & ESG
Does this company touch areas you may want to avoid? The classification is inferred from sector and industry.
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 - Life stocks, each showing price versus our Fair Value estimate (as of Jul 31, 2026).
| Stock | Price | Fair Value | vs Fair Value |
|---|---|---|---|
| China Life Insurance Company 601628 | ¥34.63 | ¥69.26 | +100% |
| Ping An Insurance (Group) Company 601318 | ¥53.22 | ¥106.44 | +100% |
| AIA Group 1299 | HK$74.00 | HK$108.13 | +46% |
| Manulife Financial Corporation MFC | C$57.05 | C$45.04 | -21% |
| Aflac Incorporated A1FL34 | R$590.00 | R$387.96 | -34% |
| MetLife, Inc METB34 | R$439.50 | R$89.28 | -80% |
| Great-West Lifeco Inc GWO | C$81.87 | C$59.64 | -27% |
| Life Insurance Corporation LICI | ₹399.90 | ₹549.69 | +37% |
| Fubon Financial Holding 2881 | 125.50 TWD | 108.40 TWD | -14% |
| Samsung Life Insurance Co 032830 | 368,000 KRW | 259,702 KRW | -29% |
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Price, fair value, quality and upside side by side.
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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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