Company for Cooperative Insurance Valuation

Is 8010 undervalued compared to its fair value, analyst forecasts and its price relative to the market?

Valuation Score

2/6

Valuation Score 2/6

Below Fair Value
Significantly Below Fair Value
Price-To-Earnings vs Peers
Price-To-Earnings vs Industry
Price-To-Earnings vs Fair Ratio
Analyst Forecast

Share Price vs Fair Value

What is the Fair Price of 8010 when looking at its future cash flows? For this estimate we use a Discounted Cash Flow model.

Below Fair Value: Insufficient data to calculate 8010's fair value for valuation analysis.

Significantly Below Fair Value: Insufficient data to calculate 8010's fair value for valuation analysis.

Key Valuation Metric

Which metric is best to use when looking at relative valuation for 8010?

Key metric: As 8010 is profitable we use its Price-To-Earnings Ratio for relative valuation analysis.

The above table shows the Price to Earnings ratio for 8010. This is calculated by dividing 8010's market cap by their current earnings.
What is 8010's PE Ratio?
PE Ratio	22.5x
Earnings	ر.س943.88m
Market Cap	ر.س21.19b

8010 key valuation metrics and ratios. From Price to Earnings, Price to Sales and Price to Book to Price to Earnings Growth Ratio, Enterprise Value and EBITDA.
Key Statistics
Enterprise Value/Revenue	1.2x
Enterprise Value/EBITDA	15.5x
PEG Ratio	1.7x

Price to Earnings Ratio vs Peers

How does 8010's PE Ratio compare to its peers?

The above table shows the PE ratio for 8010 vs its peers. Here we also display the market cap and forecasted growth for additional consideration.
Company	Forward PE	Estimated Growth	Market Cap
Peer Average	44.4x
8210 Bupa Arabia for Cooperative Insurance	24.9x	14.0%	ر.س30.5b
8230 Al Rajhi Company for Cooperative Insurance	41.9x	29.3%	ر.س16.4b
8180 Al Sagr Cooperative Insurance	17.8x	n/a	ر.س505.8m
8313 Rasan Information Technology	92.9x	n/a	ر.س6.0b
8010 Company for Cooperative Insurance	22.5x	13.4%	ر.س21.2b

Price-To-Earnings vs Peers: 8010 is good value based on its Price-To-Earnings Ratio (22.5x) compared to the peer average (44.4x).

Price to Earnings Ratio vs Industry

How does 8010's PE Ratio compare vs other companies in the SA Insurance Industry?

0 Companies	Price / Earnings	Estimated Growth	Market Cap

No more companies available in this PE range

0 Companies		Estimated Growth	Market Cap

No more companies

Price-To-Earnings vs Industry: 8010 is expensive based on its Price-To-Earnings Ratio (22.5x) compared to the SA Insurance industry average (17.8x).

Price to Earnings Ratio vs Fair Ratio

What is 8010's PE Ratio compared to its Fair PE Ratio? This is the expected PE Ratio taking into account the company's forecast earnings growth, profit margins and other risk factors.

8010 PE Ratio vs Fair Ratio.
Fair Ratio
Current PE Ratio	22.5x
Fair PE Ratio	27.9x

Price-To-Earnings vs Fair Ratio: 8010 is good value based on its Price-To-Earnings Ratio (22.5x) compared to the estimated Fair Price-To-Earnings Ratio (27.9x).

Analyst Price Targets

What is the analyst 12-month forecast and do we have any statistical confidence in the consensus price target?

The above table shows the analyst 8010 forecast and predictions for the stock price in 12 month’s time.
Date	Share Price	Average 1Y Price Target	Dispersion	High	Low	1Y Actual price	Analysts
Current	ر.س141.40	ر.س168.98 +19.5%	9.5%	ر.س181.90	ر.س138.00	n/a	5
Dec ’25	ر.س132.60	ر.س157.48 +18.8%	13.4%	ر.س181.90	ر.س135.00	n/a	4
Nov ’25	ر.س140.40	ر.س161.23 +14.8%	15.5%	ر.س190.00	ر.س135.00	n/a	4
Oct ’25	ر.س149.80	ر.س161.23 +7.6%	15.5%	ر.س190.00	ر.س135.00	n/a	4
Sep ’25	ر.س157.00	ر.س159.98 +1.9%	14.0%	ر.س190.00	ر.س135.00	n/a	5
Aug ’25	ر.س142.60	ر.س156.58 +9.8%	11.9%	ر.س181.90	ر.س135.00	n/a	5
Jul ’25	ر.س138.00	ر.س152.48 +10.5%	12.2%	ر.س181.90	ر.س135.00	n/a	4
Jun ’25	ر.س131.40	ر.س143.23 +9.0%	18.8%	ر.س181.90	ر.س118.00	n/a	4
May ’25	ر.س150.80	ر.س130.33 -13.6%	13.4%	ر.س155.00	ر.س118.00	n/a	3
Apr ’25	ر.س152.60	ر.س130.33 -14.6%	13.4%	ر.س155.00	ر.س118.00	n/a	3
Mar ’25	ر.س162.00	ر.س124.33 -23.3%	7.2%	ر.س137.00	ر.س118.00	n/a	3
Feb ’25	ر.س124.00	ر.س118.25 -4.6%	11.1%	ر.س137.00	ر.س100.00	n/a	4
Jan ’25	ر.س134.00	ر.س112.43 -16.1%	14.7%	ر.س137.00	ر.س89.17	n/a	5
Dec ’24	ر.س123.20	ر.س109.23 -11.3%	15.3%	ر.س137.00	ر.س89.17	ر.س132.60	5
Nov ’24	ر.س123.20	ر.س97.67 -20.7%	13.2%	ر.س118.00	ر.س79.53	ر.س140.40	5
Oct ’24	ر.س125.00	ر.س96.53 -22.8%	12.5%	ر.س118.00	ر.س79.53	ر.س149.80	6
Sep ’24	ر.س116.00	ر.س90.20 -22.2%	9.6%	ر.س101.67	ر.س79.53	ر.س157.00	6
Aug ’24	ر.س116.17	ر.س90.20 -22.4%	9.6%	ر.س101.67	ر.س79.53	ر.س142.60	6
Jul ’24	n/a	ر.س88.24 0%	9.2%	ر.س101.67	ر.س79.53	ر.س138.00	5
Jun ’24	ر.س100.83	ر.س88.01 -12.7%	10.3%	ر.س101.67	ر.س79.53	ر.س131.40	4
May ’24	ر.س88.67	ر.س82.38 -7.1%	5.9%	ر.س90.83	ر.س79.17	ر.س150.80	4
Apr ’24	ر.س87.67	ر.س82.38 -6.0%	5.9%	ر.س90.83	ر.س79.17	ر.س152.60	4
Mar ’24	ر.س80.83	ر.س78.61 -2.7%	1.8%	ر.س80.00	ر.س76.67	ر.س162.00	3
Feb ’24	ر.س72.17	ر.س78.61 +8.9%	1.8%	ر.س80.00	ر.س76.67	ر.س124.00	3
Jan ’24	ر.س66.25	ر.س78.75 +18.9%	1.6%	ر.س80.00	ر.س76.67	ر.س134.00	4
Dec ’23	ر.س64.42	ر.س78.75 +22.3%	1.6%	ر.س80.00	ر.س76.67	ر.س123.20	4

Analyst Forecast: Target price is less than 20% higher than the current share price.

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Company Analysis and Financial Data Status

Data	Last Updated (UTC time)
Company Analysis	2024/12/27 09:56
End of Day Share Price	2024/12/26 00:00
Earnings	2024/09/30
Annual Earnings	2023/12/31

Data Sources

The data used in our company analysis is from S&P Global Market Intelligence LLC. The following data is used in our analysis model to generate this report. Data is normalised which can introduce a delay from the source being available.

Package	Data	Timeframe	Example US Source ^*
Company Financials	10 years	Income statement Cash flow statement Balance sheet	SEC Form 10-K SEC Form 10-Q
Analyst Consensus Estimates	+3 years	Forecast financials Analyst price targets	Analyst Research Reports Blue Matrix
Market Prices	30 years	Stock prices Dividends, Splits and Actions	ICE Market Data SEC Form S-1
Ownership	10 years	Top shareholders Insider trading	SEC Form 4 SEC Form 13D
Management	10 years	Leadership team Board of directors	SEC Form 10-K SEC Form DEF 14A
Key Developments	10 years	Company announcements	SEC Form 8-K

^* example for US securities, for non-US equivalent regulatory forms and sources are used.

Unless specified all financial data is based on a yearly period but updated quarterly. This is known as Trailing Twelve Month (TTM) or Last Twelve Month (LTM) Data. Learn more here.

Analysis Model and Snowflake

Details of the analysis model used to generate this report is available on our Github page, we also have guides on how to use our reports and tutorials on Youtube.

Learn about the world class team who designed and built the Simply Wall St analysis model.

Industry and Sector Metrics

Our industry and section metrics are calculated every 6 hours by Simply Wall St, details of our process are available on .

Analyst Sources

The Company for Cooperative Insurance is covered by 14 analysts. 4 of those analysts submitted the estimates of revenue or earnings used as inputs to our report. Analysts submissions are updated throughout the day.

Analyst	Institution
Madhu Appissa	Al Rajhi Capital
Citi Research	Citigroup Inc
Mohammed Khallouf	Citigroup Inc