The Company for Coop. Insurance (8010) Fair Value & Analysis
Financial Services · SA · Market cap 18.4B SAR (≈ $4.9B) · ISIN SA000A0DPSH3
What is The Company for Coop. Insurance really worth?
A solid business, but trading 28% above our fair value of 70.83 SAR.
Strengths
Risks
For context
Fair value as of: Aug 29, 2026
From 6 valuation models · updated 6 days ago
Share price −26.0% over the past month.
What runs behind every stock
69 individual criteria per stock, every one traceable See the method →
What matters now
- The price sits above even our optimistic bull case (88.53 SAR). The favourable scenario is already priced in.
- Solid but not exceptional quality (61/100) 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.
Price vs Fair Value (5 years)
White line = price, green steps = our fair value per fiscal year, dashed = 300-day average. As of Aug 29, 2026.
How to read this chart
60‑month range 43.55 SAR – 164.67 SAR · fair‑value band 53.12 SAR – 88.53 SAR · the 90.67 SAR price screens above the 70.83 SAR fair value. Dashed = 300-day average. As of Aug 29, 2026.
Analysis
The Company for Coop. Insurance (8010) currently trades at 90.67 SAR, while our model-based Fair Value estimate is 70.83 SAR, implying the stock looks roughly 28.0% overvalued today. The Quality Score stands at 61/100 (solid quality), in the Financial Services sector. Bull case: the Economic Profit group reads highest at a median of 67.52 SAR per share, and 1 of the 6 models we run sit above the 90.67 SAR price. Bear case: the Asset-Based group reads lowest at 23.96 SAR, and 5 of the 6 models stay below the price. Evidence for this calculation is high.
Over the trailing twelve months, The Company for Coop. Insurance generated revenue of 20.1B SAR at a net margin of 5.6%. Revenue grew 12.2% year over year. It earns a return on equity of 21.8%. The balance sheet holds a net cash position of 1.6B SAR. Fundamentals as of Aug 29, 2026
Our scenario range runs from 53.12 SAR (bear case) to 88.53 SAR (bull case); at 90.67 SAR, the current price sits above that range. Bear and bull are the same models run on conservative and optimistic assumptions (margins, growth, valuation multiples), so a plausible valuation range, not a price target. The share trades about 43% below its 52-week high, currently below its 200-day average. For context, the median of 10 Financial Services peers we cover trades at −29% fair-value upside, at −22%, 8010 screens cheaper than that median.
Fair Value models
This estimate rests on fiscal year 2025 figures, and about 8 months have passed since. In that time the company retained roughly 3.74 SAR per share, which is 5.3 % of the fair value. The fair value deliberately does not add this in: the models value reported figures, not a projection.
Each model estimates fair value its own way; the Fair Value above is the evidence-weighted, family-balanced blend. Evidence (0–100) measures how completely this model’s inputs are available: well-fed models carry more weight in the blend. The spread across models is intentional, each one stresses a different value driver; dividend models, for instance, come out structurally low when payout is small. Every input is real reported data, nothing guessed.
All 6 models by family
Widest divergence: Economic Profit (67.52 SAR) versus Asset-Based (23.96 SAR). Highest evidence: Gordon GGM (66).
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Key figures & financial health
More key figures
Figures from reported company fundamentals · as of Aug 29, 2026. TTM = trailing twelve months.
Quality Score breakdown
Of which business quality 57 · Market factors (momentum, volatility) 26
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.
All values are scores from 0 to 100 (100 = best against fixed, research-based bands), not percentages. The three market factors (momentum, 52-week proximity, low volatility) are displayed but carry zero weight in the headline number: market sentiment is not a business property.
About the company
The Company for Cooperative Insurance operates as an insurance company in the Kingdom of Saudi Arabia. The company operates through Medical, Medical Umrah, Motor, Property and Casualty, General Accidents, Travel and COVID-19, Protection and Savings, and Inherent Insurance Defects segments.
Full company description
The Company for Cooperative Insurance operates as an insurance company in the Kingdom of Saudi Arabia. The company operates through Medical, Medical Umrah, Motor, Property and Casualty, General Accidents, Travel and COVID-19, Protection and Savings, and Inherent Insurance Defects segments. It offers mobility insurance, such as motor, SME motor, cross border own damage, mechanical breakdown, and luxury car insurance; and health, including My Family, a medical insurance program, SME health, Umrah insurance, visit visa insurance, domestic worker, parent's insurance, Takaful, Balsam, and premium residency. The company also provides general insurance comprising property, home, engineering, aviation, energy, general accident, Hajj, travel, inherent defects, sports, and credit, as well as marine cargo and hull, medical malpractice, SME general, domestic worker contract, income protection, Tawuniya Dare, and civil liability. In addition, it offers life insurance, retirement insurance, and education program for children; coverage of compulsory travel insurance in addition to some coverages related to COVID-19 for citizens travelling abroad; protection and savings; roadside assistance, claim services, chronic disease management, request for eligibility letter, home children vaccination, and wellness and health services programs. The company was formerly known as National Company for Cooperative Insurance and changed its name to The Company for Cooperative Insurance in 2004. The Company for Cooperative Insurance was incorporated in 1986 and is headquartered in Riyadh, the Kingdom of Saudi Arabia.
Company description, as reported by the company or data provider.
Revenue & earnings trend
FY2021 – FY2025 · reported fiscal years
The Company for Coop. Insurance reported revenue of 22.2B SAR in FY2025 versus 8.4B SAR in FY2021, a compound +27.6%/yr. Reported net income was 1.1B SAR in FY2025, compounding +39.8%/yr from FY2021.
of which total revenue +12.5 % · buybacks/dilution −2.0 %
Annual growth per factor. These are factors, not summands: multiplied they give the EPS growth rate, added they do not quite. Start and end points are 3-year averages (details on hover).
8010 screens 28% overvalued. Compare with China Life Insurance Company →
Peer Group
Insurance - Life · 96 stocks
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.
Valuation Multiples vs Insurance - Life median · lower = cheaper
Strength profile in five axes (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.
Similar stocks
10 more Insurance - Life stocks, each showing price versus our Fair Value estimate (as of Aug 29, 2026).
| Stock | Price | Fair Value | vs Fair Value |
|---|---|---|---|
| China Life Insurance Company 601628 | ¥37.03 | ¥49.98 | +35% |
| Ping An Insurance (Group) Company 601318 | ¥55.82 | ¥84.72 | +52% |
| AIA Group 1299 | HK$73.00 | HK$33.57 | −54% |
| Manulife Financial Corporation MFC | C$59.80 | C$38.80 | −35% |
| Aflac Incorporated AFL | $116.52 | $74.34 | −36% |
| Great-West Lifeco Inc GWO | C$90.25 | C$39.53 | −56% |
| MetLife, Inc MET | $96.51 | $68.27 | −29% |
| Life Insurance Corporation LICI | ₹412.15 | ₹392.93 | −5% |
| China Pacific Insurance (Group) Co 601601 | ¥30.20 | ¥57.51 | +90% |
| Samsung Life Insurance Co 032830 | 301,000 KRW | 191,293 KRW | −36% |
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