Amana Cooperative Insurance Co (8310) fair value: what the stock is really worth
We calculate from audited financials what Amana Cooperative Insurance Co 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 5.30 SAR – 65.00 SAR · fair‑value band 11.58 SAR – 21.94 SAR · the 7.45 SAR price screens below the 15.20 SAR fair value. Dashed = 300-day average. As of Sep 13, 2026.
Amana Cooperative Insurance Company provides various insurance products and services in the Kingdom of Saudi Arabia. It operates through Medical/Health, Motor, and Property & Casualty segments.
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Amana Cooperative Insurance Company provides various insurance products and services in the Kingdom of Saudi Arabia. It operates through Medical/Health, Motor, and Property & Casualty segments. The company offers engineering, fidelity guarantee, general liability, healthcare, marine cargo, money, motor, personal accidents, property, travel, protection, and workmen compensation insurance products. It also provides reinsurance services. Amana Cooperative Insurance Company was founded in 2010 and is headquartered in Riyadh, the Kingdom of Saudi Arabia.
Stock analysis
Amana Cooperative Insurance Co (8310) currently trades at 7.45 SAR, while our model-based Fair Value estimate is 15.20 SAR, implying the stock looks roughly 51.0% undervalued today.
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Valuation
Bull case: the Growth DCF group reads highest at a median of 15.62 SAR per share, and 6 of the 7 models we run sit above the 7.45 SAR price.
Bear case: the Asset-Based group reads lowest at 4.84 SAR, and 1 of the 7 models stay below the price. Evidence for this calculation is low.
Scenario range: 11.58 SAR (bear) to 21.94 SAR (bull), the price of 7.45 SAR sits below 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 50/100 (solid quality), in the Financial Services sector.
Mixed Growth: Revenue is growing, but margins or cash flow do not fully confirm the trend.
Amana Cooperative Insurance Co 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.
Key figures
Market cap 319M SAR (≈ $85.0M) · P/S ratio 0.92 · EPS (TTM) −0.3200 SAR · Net margin −4.5% · Return on equity −4.5% · Return on assets (EBIT) −9.3% · Operating margin −5.4% · Revenue (TTM) 314M 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 15% below its 52-week high and 49% above its 52-week low, currently above its 200-day average.
For context, the median of 10 Financial Services peers we cover trades at −29% fair-value upside, at 104%, 8310 screens cheaper than that median.
Fair Value models
Bear 11.58 SARFair Value 15.20 SARBull 21.94 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.26/100
Revenue is growing, but margins or cash flow do not fully confirm the trend.
Revenue growth 1 year
+31.7%
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.
+9.9%
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.
+2.9%
Revenue growth 14 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.
+7.8%
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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.
−22.2% (2020) → −2.3% (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
not computed
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).
−25.5%
Yearly growth needed for the next five years to justify today's price.
Compare Amana Cooperative Insurance Co 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 - Life · 95 stocks
Beats the industry median on 5/9 measures
A mixed picture versus its industry peers.
Valuation
Quality Score53 · Above median
Fair Value upside+63% · Top 25%
Profitability
Return on assets−1% · Bottom 25%
Net margin (TTM)−4% · Bottom 25%
Operating margin (TTM)−5% · Bottom 25%
Growth and dividend
Revenue growth51% · Top 25%
Valuation Multiplesvs Insurance - Life median · lower = cheaper
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Cite: Fair Value Calculator (2026). "Amana Cooperative Insurance Co Fair Value". https://www.fairvalue-calculator.com/stock/8310
Frequently asked questions
Is Amana Cooperative Insurance Co (8310) overvalued or undervalued?
As of Sep 13, 2026, our model estimates a fair value of 15.20 SAR versus a price of 7.45 SAR, about +104% upside (undervalued).
What is the fair value of 8310?
Our model-based fair value for Amana Cooperative Insurance Co is 15.20 SAR (as of Sep 13, 2026), built from audited fundamentals. The current price: 7.45 SAR.
What is the quality score of 8310?
Amana Cooperative Insurance Co has a Quality Score of 50/100. 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 Amana Cooperative Insurance Co (8310)?
Our model-based price target is the fair value of 15.20 SAR (as of Sep 13, 2026) from 7 valuation models. Cautious scenario 11.58 SAR, optimistic scenario 21.94 SAR. It is a calculation from audited fundamentals, not an analyst target.
What is the Amana Cooperative Insurance Co stock forecast for 2026?
Our models put fair value at 15.20 SAR, about +104% upside versus a price of 7.45 SAR (undervalued). Cautious scenario 11.58 SAR, optimistic scenario 21.94 SAR. The calculation is refreshed regularly with new filings.
What is the revenue of Amana Cooperative Insurance Co (8310)?
Amana Cooperative Insurance Co reported trailing-twelve-month revenue of about 314M SAR (latest available figure, as of Sep 13, 2026).
What growth is priced into Amana Cooperative Insurance Co (8310)?
For today's price to be fair in a discounted-cash-flow model, Amana Cooperative Insurance Co would have to grow free cash flow by -25.5 % per year for five years (discount rate 12.0 %, then slowing evenly to 2 % perpetual growth by year ten). Over the last 5 years revenue grew +2.9 % per year. As of Sep 13, 2026.
What discount rate (WACC) does the fair value of 8310 use?
Our models discount Amana Cooperative Insurance Co at 12.0 %: a base by market capitalisation (micro), damped by beta 0.60, 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 Amana Cooperative Insurance Co that is -25.5 % per year a year over ten years, using the same discount rate (12.0 %) and the same formula as our fair value.
How much growth has Amana Cooperative Insurance Co (8310) delivered so far?
Over the past 5 years revenue at Amana Cooperative Insurance Co grew +2.9 % a year. The price currently implies -25.5 % 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 Amana Cooperative Insurance Co (8310) growing?
The median revenue growth in the sector is +8.2 % a year. That is the yardstick for the growth priced into Amana Cooperative Insurance Co (-25.5 % 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 Amana Cooperative Insurance Co (8310)?
The free-cash-flow yield on the price is 7.17 %: that much free cash flow Amana Cooperative Insurance Co produces per unit of market value. When it exceeds the discount rate of our models (12.0 %), the business already earns more than its cost of capital demands, and the price needs little additional growth.
What is the intrinsic value of Amana Cooperative Insurance Co (8310)?
Intrinsic value and fair value mean the same thing: what the business is worth on its numbers, independent of the share price. For Amana Cooperative Insurance Co it is 15.20 SAR per share (as of Sep 13, 2026), against a price of 7.45 SAR. It is the blended result of 7 valuation models (cash flow, earnings, asset, dividend).
Is Amana Cooperative Insurance Co stock overvalued or undervalued in 2026?
As of Sep 13, 2026, 8310 trades below its calculated fair value: price 7.45 SAR, fair value 15.20 SAR, a gap of about +104% (undervalued). 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 8310?
No. The price is what the market pays today (7.45 SAR); the fair value is what the company's own numbers justify (15.20 SAR). For Amana Cooperative Insurance Co the two are 7.75 SAR per share apart. That gap is exactly why we show both numbers side by side.
How much is Amana Cooperative Insurance Co worth?
The market values Amana Cooperative Insurance Co at about 319M SAR (market capitalisation, as of Sep 13, 2026). Per share that is 7.45 SAR; our models calculate a fair value of 15.20 SAR per share.
What do the bullish and bearish scenarios say about 8310?
Our models span a range for Amana Cooperative Insurance Co: cautious scenario 11.58 SAR, base 15.20 SAR, optimistic 21.94 SAR per share (as of Sep 13, 2026, price 7.45 SAR). The range comes from different growth and margin assumptions, not from analyst opinions.
How solid is the balance sheet of Amana Cooperative Insurance Co (8310)?
Balance-sheet figures for Amana Cooperative Insurance Co (as of Sep 13, 2026): return on equity −4.5%. They feed the Quality Score of 50/100, which measures business quality independently of the share price.
How far is 8310 from its 52-week high?
Amana Cooperative Insurance Co trades at 7.45 SAR, about 15% below its 52-week high of 8.80 SAR and 49% above the low of 5.00 SAR (as of Sep 13, 2026). Distance from the high says nothing about value: that is what the fair value of 15.20 SAR is for.
Which stocks are comparable to Amana Cooperative Insurance Co?
From the same area (Financial Services) we also value China Life Insurance Company, Ping An Insurance (Group) Company, AIA Group, Manulife Financial 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 Amana Cooperative Insurance Co stock attractive at the current price?
The data as of Sep 13, 2026: price 7.45 SAR, calculated fair value 15.20 SAR (+104%), Quality Score 50/100, from 7 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 8310 calculated?
We run Amana Cooperative Insurance Co through 7 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 15.20 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. Amana Cooperative Insurance Co currently trades 104 % below its own fair value, and the market average says nothing about that. 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 Amana Cooperative Insurance Co right now?
The price is below even our cautious bear case (11.58 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 (50/100) at a price below fair value, the discount is the argument here, not the business quality. A fairly wide model range (11.58 SAR to 21.94 SAR) leaves room in how you read the outcome.
Key figures of Amana Cooperative Insurance Co
How large is the market capitalisation of Amana Cooperative Insurance Co (8310)?
The market capitalisation of Amana Cooperative Insurance Co is 319M SAR (≈ $85.0M). 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 Amana Cooperative Insurance Co (8310)?
The price-to-sales ratio of Amana Cooperative Insurance Co is 0.92 (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 Amana Cooperative Insurance Co (8310)?
Earnings per share at Amana Cooperative Insurance Co are −0.3200 SAR. Earnings per share over the last twelve months: total profit spread across every single share.
What is the net margin of Amana Cooperative Insurance Co (8310)?
The net margin of Amana Cooperative Insurance Co is −4.5% (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 Amana Cooperative Insurance Co (8310)?
The return on equity (ROE) of Amana Cooperative Insurance Co is −4.5% (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 Amana Cooperative Insurance Co (8310)?
On an EBIT basis the return on assets of Amana Cooperative Insurance Co is −9.3% (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 Amana Cooperative Insurance Co (8310)?
The operating margin of Amana Cooperative Insurance Co is −5.4% (last twelve months). Profit from the core business (before interest and taxes) relative to revenue.
How fast is revenue growing at Amana Cooperative Insurance Co (8310)?
Revenue at Amana Cooperative Insurance Co is growing +51.0% versus a year earlier (3y avg +9.9%). 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 Amana Cooperative Insurance Co (8310)?
Earnings per share at Amana Cooperative Insurance Co are growing −41.4% versus a year earlier. How much earnings per share grew versus a year earlier.
How much net cash does Amana Cooperative Insurance Co (8310) hold?
Amana Cooperative Insurance Co holds more cash than debt, 262M SAR net (fiscal year 2025). The company holds more cash than debt, a safety cushion.
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