Bupa Arabia for Coop. Insurance (8210) Fair Value & Analysis
Financial Services · SA · Market cap 23.6B SAR (≈ $6.3B) · ISIN SA1210540914
What is Bupa Arabia for Coop. Insurance really worth?
A solid business, but trading 118% above our fair value of 72.41 SAR.
Risks
For context
Fair value as of: Aug 13, 2026
From 6 valuation models · updated 22 days ago
Fair value updated Aug 13, 2026, revised from 93.52 SAR to 72.41 SAR (−22.6%) since Jul 31, 2026. Share price +0.6% 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 (90.52 SAR). The favourable scenario is already priced in.
- Solid but not exceptional quality (56/100) 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 13, 2026.
How to read this chart
60‑month range 89.60 SAR – 279.00 SAR · fair‑value band 54.31 SAR – 90.52 SAR · the 158.00 SAR price screens above the 72.41 SAR fair value. Green steps = our fair value per fiscal year (point-in-time, no hindsight). Dashed = 300-day average. As of Aug 13, 2026.
Analysis
Bupa Arabia for Coop. Insurance (8210) currently trades at 158.00 SAR, while our model-based Fair Value estimate is 72.41 SAR, implying the stock looks roughly 118.2% overvalued today. The Quality Score stands at 56/100 (solid quality), in the Financial Services sector. Bull case: the Dividend Discount group reads highest at a median of 64.39 SAR per share, and 0 of the 6 models we run sit above the 158.00 SAR price. Bear case: the Asset-Based group reads lowest at 25.34 SAR, and 6 of the 6 models stay below the price. Evidence for this calculation is high.
Over the trailing twelve months, Bupa Arabia for Coop. Insurance generated revenue of 21.0B SAR at a net margin of 5.2%. Revenue grew 18.3% year over year. It earns a return on equity of 19.0%. The balance sheet holds a net cash position of 1.5B SAR. Fundamentals as of Aug 13, 2026
Our scenario range runs from 54.31 SAR (bear case) to 90.52 SAR (bull case); at 158.00 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 21% below its 52-week high and 20% above its 52-week low, currently below its 200-day average. For context, the median of 10 Financial Services peers we cover trades at 27% fair-value upside, at −54%, 8210 screens richer 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 2.23 SAR per share, which is 3.1 % 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: Dividend Discount (64.39 SAR) versus Asset-Based (25.34 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 13, 2026. TTM = trailing twelve months.
Quality Score breakdown
Of which business quality 55 · Market factors (momentum, volatility) 51
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
Bupa Arabia for Cooperative Insurance Company engages in the insurance business in the Kingdom of Saudi Arabia. The company offers medical insurance products for families, household helpers, parents, and businesses, as well as provide international health care plans. It issues short-term insurance contracts for providing health care services.
Full company description
Bupa Arabia for Cooperative Insurance Company engages in the insurance business in the Kingdom of Saudi Arabia. The company offers medical insurance products for families, household helpers, parents, and businesses, as well as provide international health care plans. It issues short-term insurance contracts for providing health care services. The company was founded in 1997 and is headquartered in Jeddah, the Kingdom of Saudi Arabia.
Company description, as reported by the company or data provider.
Revenue & earnings trend
FY2021 – FY2025 · reported fiscal years
Bupa Arabia for Coop. Insurance reported revenue of 20.1B SAR in FY2025 versus 10.9B SAR in FY2021, a compound +16.6%/yr. Reported net income was 1.1B SAR in FY2025, compounding +14.6%/yr from FY2021.
of which total revenue +12.5 % · buybacks/dilution +0.0 %
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).
8210 screens 118% overvalued. Compare with Fidelity National Financial, Inc →
Peer Group
Insurance - Specialty · 29 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 - Specialty 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.
VALUE 0: the price sits above our fair-value range.
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 - Specialty stocks, each showing price versus our Fair Value estimate (as of Aug 13, 2026).
| Stock | Price | Fair Value | vs Fair Value |
|---|---|---|---|
| Fidelity National Financial, Inc FNF | $46.45 | $29.08 | −37% |
| AXIS Capital Holdings AXS | $99.80 | $139.49 | +40% |
| First American Financial Corporation FAF | $73.59 | $64.26 | −13% |
| Enact Holdings ACT | $49.07 | $58.14 | +18% |
| MGIC Investment Corporation MTG | $31.29 | $39.71 | +27% |
| Essent Group ESNT | $69.27 | $91.14 | +32% |
| Radian Group RDN | $35.80 | $53.56 | +50% |
| Protector Forsikring ASA PROT | kr 480.40 | kr 273.28 | −43% |
| Assured Guaranty Ltd AGO | $74.46 | $148.92 | +100% |
| NMI Holdings NMIH | $44.80 | $56.53 | +26% |
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