United Cooperative Assurance Co (SAU:8190) Moat Score: 0/10 (As of Jul. 22, 2026)

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Vera Yuan
Director of Data and Quant Analytics at GuruFocus
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.
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Founder & CEO of GuruFocus
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SAU:8190 United Cooperative Assurance Co SAU:8190
63 GF Score
Price ﷼3.13
GF Value ﷼8.03
Valuation Possible Value Trap
! 4 Warning Signs
View Full Analysis

What is United Cooperative Assurance Co Moat Score?

United Cooperative Assurance Co has the Moat Score of 0, which implies that the company might have No Moat - No discernible moat.

United Cooperative Assurance Co has

Moat Score is a ranking system developed by GuruFocus to assess a company's ability to sustain a competitive advantage, rated on a scale from 0 to 10. It takes into account key factors such as market leadership, cost advantages, network effects, customer switching costs, and more.

The company's Moat Score is based on these criteria:

1. Market leadership and sustainable market share
2. Network effects and significant customer switching costs
3. Valuable intellectual property and patents
4. Strong brand strength and deep customer loyalty
5. Durable cost advantages (e.g., economies of scale, proprietary technology)
6. Significant regulatory barriers and exclusive licenses
7. Superior distribution network
8. Strong and sustainable pricing power
9. Consistent and impactful innovation and R&D capabilities

Based on the research, GuruFocus believes United Cooperative Assurance Co might have No Moat - No discernible moat.

United Cooperative Assurance Co  (SAU:8190) Moat Score Explanation

The Moat Score ranges from 0 to 10, with 10 as the highest. GuruFocus divided Moat Score into following 8 categories:

Moat Score Moat Level
10Wide Moat - Exceptionally dominant and durable wide moat
8 - 9Wide Moat - Clear and robust wide moat
7Wide Moat - Entry-level wide moat, clearly possessing durable advantages
6Narrow Moat - Strong narrow moat, clearly distinguishable but not wide
5Narrow Moat - Solid narrow moat
4Narrow Moat - Discernible but modest moat
1 - 3No Moat - Very weak/transient advantages
0No Moat - No discernible moat

United Cooperative Assurance Co Moat Score Related Terms

SAU:8190
63GF Score
United Cooperative Assurance Co SAU:8190
Moat Score is just one metric. See GF Score™, valuation, warning signs, and more.
View Full Analysis

Is United Cooperative Assurance Co (SAU:8190) Overvalued in 2026?

Based on GuruFocus' analysis, United Cooperative Assurance Co stock appears to be undervalued. The current stock price of ﷼3.13 is trading 61% below its estimated GF Value™ of ﷼8.03. GuruFocus considers United Cooperative Assurance Co to be Possible Value Trap.

Key valuation signals for SAU:8190:

  • Moat Score: 0
  • GF Value™: ﷼8.03 vs. price of ﷼3.13 (61% below fair value)
  • GF Score™: 63/100 with 4 warning signs

No single metric tells the full story. See the SAU:8190 stock analysis page for a complete view including 30-year financials, guru trades, and insider activity.

United Cooperative Assurance Co Business Description

Address Othman Bin Affan Road, Al-Narjis District, Riyadh, SAU
United Cooperative Assurance Co is a company operating in the insurance sector. Its business is divided into segments including Medical insurance, Motor Insurance, Energy and engineering insurance, and Other classes. The medical insurance segment covers medical costs, medicines, and all other medical services and supplies. Motor Insurance, provides coverage against losses and liability related to motor vehicles, excluding transport insurance. And Other classes segment covers other classes of insurance including property, marine, cargo, aviation, among others. The company generates the majority of the revenue from Motor Insurance.
63GF Score

Get the complete analysis for SAU:8190

Moat Score is just one metric. See GF Value™, 30-year financials, guru trades, warning signs, and more.

﷼3.13
Price
﷼8.03
GF Value