Focused on building reliable datasets, financial models, and research tools for value-minded investors. Committed to turning complex data into practical guidance for value-investing and long-term wealth.
Dr. Charlie Tian is the founder and CEO of GuruFocus.com, a leading global investment research platform established in 2004. With a Ph.D. in physics, Dr. Tian transitioned from science to finance, applying a data-driven, disciplined approach to value investing.
Saudi Enaya Cooperative Insurance CoSAU:8311 +2.38%49 Cyclically Adjusted PB Ratio is 0.99 as of Aug. 25, 2026, which is 5% below its 10-year median of 1.04. GuruFocus rates SAU:8311 with a GF Score™ of 49/100 and a GF Value™ of ﷼6.85 (Significantly Overvalued). The stock has 2 warning signs investors should review. Among 413 Insurance companies, Saudi Enaya Cooperative Insurance Co ranks better than 70.22% on this metric.
The historical rank and industry rank for Saudi Enaya Cooperative Insurance Co's Cyclically Adjusted PB Ratio or its related term are showing as below:
SAU:8311'
s Cyclically Adjusted PB Ratio Range Over the Past 10 Years
Min: 0.67 Med: 1.04 Max: 1.92
Current: 0.99
During the past years, Saudi Enaya Cooperative Insurance Co's highest Cyclically Adjusted PB Ratio was 1.92. The lowest was 0.67. And the median was 1.04.
SAU:8311's Cyclically Adjusted PB Ratio is ranked better than 70.22% of 413
companies
in the Insurance industry
Industry Median: 1.39
vs SAU:8311: 0.99
The Shiller PE Ratio was first used by professor Robert Shiller. He uses E10 for his Shiller PE Ratio calculation. E10 is the average of the inflation adjusted earnings per share of a company over the past 10 years. The similar calculation is applied by GuruFocus to calculate the Cyclically Adjusted PB Ratio. The Cyclically Adjusted Book per Share is the average of the inflation adjusted book value per share of a company over the past 10 years.
Saudi Enaya Cooperative Insurance Co's adjusted book value per share data for the three months ended in Jun. 2026 was ﷼5.719. Add all the adjusted book value per share for the past 10 years together and divide the count will get our Cyclically Adjusted Book per Share, which is ﷼9.99 for the trailing ten years ended in Jun. 2026.
Shiller PE for Stocks: The True Measure of Stock Valuation
Saudi Enaya Cooperative Insurance Co (SAU:8311) Cyclically Adjusted PB Ratio Explanation
Compared with the regular PB Ratio, which works poorly for cyclical businesses, the Cyclically Adjusted PB Ratio smoothed out the fluctuations of book value during business cycles. Therefore it is more accurate in reflecting the valuation of the company.
If a company has consistent business performance, the Cyclically Adjusted PB Ratio should give similar results to regular PB Ratio.
Saudi Enaya Cooperative Insurance Co Cyclically Adjusted PB Ratio Related Terms
Saudi Enaya Cooperative Insurance Co Cyclically Adjusted PB Ratio Historical Data
* For Operating Data section: All numbers are indicated by the unit behind each term and all currency related amount are in USD. * For other sections: All numbers are in millions except for per share data, ratio, and percentage. All currency related amount are indicated in the company's associated stock exchange currency.
Saudi Enaya Cooperative Insurance Co Cyclically Adjusted PB Ratio Chart
SAU:8311 vs AFL, MET, PRU: Cyclically Adjusted PB Ratio Comparison
For the Insurance - Life subindustry, Saudi Enaya Cooperative Insurance Co's Cyclically Adjusted PB Ratio, along with its competitors' market caps and Cyclically Adjusted PB Ratio data, can be viewed below:
* Competitive companies are chosen from companies within the same industry, with headquarter located in same country, with closest market capitalization; x-axis shows the market cap, and y-axis shows the term value; the bigger the dot, the larger the market cap. Note that "N/A" values will not show up in the chart.
Saudi Enaya Cooperative Insurance Co Cyclically Adjusted PB Ratio vs Insurance Industry
For the Insurance industry and Financial Services sector, Saudi Enaya Cooperative Insurance Co's Cyclically Adjusted PB Ratio distribution charts can be found below:
* The bar in red indicates where Saudi Enaya Cooperative Insurance Co's Cyclically Adjusted PB Ratio falls into.
Saudi Enaya Cooperative Insurance Co Cyclically Adjusted PB Ratio Calculation
Like the Shiller PE Ratio, the Cyclically Adjusted PB Ratio takes the Book Value per Share from the past 10 years, adjusts it for inflation, and then calculates the average. This average is then used for the P/B calculation. Because it considers this 10-year average, it's often referred to as the CAPB Ratio.
The Shiller PE Ratio was first used by professor Robert Shiller to measure the valuation of the overall market. The similar calculation is applied by GuruFocus to calculate the Cyclically Adjusted PB Ratio.
* For Operating Data section: All numbers are indicated by the unit behind each term and all currency related amount are in USD. * For other sections: All numbers are in millions except for per share data, ratio, and percentage. All currency related amount are indicated in the company's associated stock exchange currency.
Please note that we use the CPI data of the country/region where the company is headquartered. If the CPI data for that country/region is not available, then we will use the CPI data of the United States as default.
What does a Cyclically Adjusted PB Ratio of 0.99 mean?
Saudi Enaya Cooperative Insurance Co (SAU:8311) has a Cyclically Adjusted PB Ratio of 0.99 as of Aug. 25, 2026. Cyclically Adjusted PB Ratio is the ratio of share price to a company's inflation-adjusted book value per share over a 10-year period. View historical data on Saudi Enaya Cooperative Insurance Co and its competitors. This is near median its historical median of 1.04. Over the past decade, Saudi Enaya Cooperative Insurance Co's Cyclically Adjusted PB Ratio has ranged from 0.67 to 1.92. According to the industry distribution chart, Saudi Enaya Cooperative Insurance Co ranks #123 out of 413 companies in the Insurance industry, placing it in the top 29.8%.
Is Saudi Enaya Cooperative Insurance Co's Cyclically Adjusted PB Ratio too high?
Saudi Enaya Cooperative Insurance Co's current Cyclically Adjusted PB Ratio of 0.99 is near median its 10-year median of 1.04. Over the past 10 years, this metric has ranged from a low of 0.67 to a high of 1.92. The Insurance industry median Cyclically Adjusted PB Ratio is 1.39. Saudi Enaya Cooperative Insurance Co's value of 0.99 is 28.8% below this industry median. Based on the distribution chart, Saudi Enaya Cooperative Insurance Co ranks #123 out of 413 companies in the Insurance industry, which is above the industry midpoint. Overall, Saudi Enaya Cooperative Insurance Co has a GF Score™ of 49/100 and is considered Significantly Overvalued, reflecting its overall financial health beyond just this single metric.
How does Saudi Enaya Cooperative Insurance Co's Cyclically Adjusted PB Ratio compare to AFL and MET?
According to the Insurance industry distribution chart, Saudi Enaya Cooperative Insurance Co ranks #123 out of 413 companies for Cyclically Adjusted PB Ratio. This puts Saudi Enaya Cooperative Insurance Co in the upper half of its industry. The industry median Cyclically Adjusted PB Ratio is 1.39. Saudi Enaya Cooperative Insurance Co's value of 0.99 is 28.8% below this benchmark. Historically, Saudi Enaya Cooperative Insurance Co's own Cyclically Adjusted PB Ratio has ranged from 0.67 to 1.92 over the past decade. While the company's 10-year median is 1.04 vs. the industry median of 1.39, Saudi Enaya Cooperative Insurance Co has consistently been below the industry average. See the competitive comparison table and distribution chart on this page for a detailed peer-by-peer breakdown.
What is a good Cyclically Adjusted PB Ratio for an Insurance company?
The median Cyclically Adjusted PB Ratio among Insurance companies is 1.39, based on 413 companies in the industry. Companies in the top quartile (top 25%) have a Cyclically Adjusted PB Ratio significantly above this median, while those in the bottom quartile fall well below. However, Cyclically Adjusted PB Ratio should not be evaluated in isolation — investors should consider it alongside profitability, growth, and financial strength metrics. Saudi Enaya Cooperative Insurance Co's current Cyclically Adjusted PB Ratio of 0.99 is 28.8% below the industry median. Use the industry distribution chart on this page to see where any company falls relative to its peers.
What does a high Cyclically Adjusted PB Ratio mean?
A high Cyclically Adjusted PB Ratio can signal that a stock is expensive relative to its fundamentals. Cyclically Adjusted PB Ratio is the ratio of share price to a company's inflation-adjusted book value per share over a 10-year period. View historical data on Saudi Enaya Cooperative Insurance Co and its competitors. For the Insurance industry, the median Cyclically Adjusted PB Ratio is 1.39 — values significantly above this may indicate overvaluation, while values below may suggest a bargain or underlying issues. Saudi Enaya Cooperative Insurance Co's current Cyclically Adjusted PB Ratio is 0.99, which is near median its own 10-year median of 1.04. However, context matters — high-growth companies often justify higher valuations. Always evaluate alongside other metrics like GF Score™ and GF Value™.
Is Saudi Enaya Cooperative Insurance Co stock overvalued right now?
Based on GuruFocus' analysis, Saudi Enaya Cooperative Insurance Co (SAU:8311) is currently considered Significantly Overvalued. The stock's GF Value™ is ﷼6.85, compared to a current price of ﷼9.88 — trading 44.2% above its estimated fair value. The current Cyclically Adjusted PB Ratio is 0.99, which is near median its 10-year median of 1.04 and 28.8% below the Insurance industry median of 1.39. Saudi Enaya Cooperative Insurance Co's overall GF Score™ is 49/100 with 2 warning signs to review. Investors should evaluate multiple metrics — including profitability, growth, and financial strength — before making a decision.
How is Cyclically Adjusted PB Ratio calculated?
Cyclically Adjusted PB Ratio is calculated from a company's financial statements. For Saudi Enaya Cooperative Insurance Co (SAU:8311), the current Cyclically Adjusted PB Ratio is 0.99 as of Aug. 25, 2026. GuruFocus calculates this using data sourced from SEC filings and annual reports. See the calculation section and 30-year financial data on this page for the full breakdown.
Is Saudi Enaya Cooperative Insurance Co (SAU:8311) Overvalued in 2026?
Based on GuruFocus' analysis, Saudi Enaya Cooperative Insurance Co stock appears to be overvalued.
The current stock price of ﷼9.88 is trading 44.2% above its estimated GF Value™ of ﷼6.85.
GuruFocus considers Saudi Enaya Cooperative Insurance Co to be Significantly Overvalued.
Key valuation signals for SAU:8311:
Cyclically Adjusted PB Ratio: 0.99 (near median its 10-year median of 1.04)
GF Value™: ﷼6.85 vs. price of ﷼9.88 (44.2% above fair value)
Industry Position: 28.8% below the Insurance median (#123 of 413)
No single metric tells the full story. See the SAU:8311 stock analysis page for a complete view including 30-year financials, guru trades, and insider activity.
Saudi Enaya Cooperative Insurance Co operates in the insurance industry. It provides insurance contracts for providing health care services. All the insurance operations of the company are carried out in the Kingdom of Saudi Arabia. The company's segments include: Corporate and SME's and Others.
49GF Score
Get the complete analysis for SAU:8311
Cyclically Adjusted PB Ratio is just one metric. See GF Value™, 30-year financials, guru trades, warning signs, and more.
Quick Browse
Personalize
Premium Gurus 
Create New Portfolio
SAU:8311 has been successfully added to your 
