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.
The historical rank and industry rank for Algr Co-operative Insurance Co's PB Ratio or its related term are showing as below:
SAU:8180'
s PB Ratio Range Over the Past 10 Years
Min: 0.78 Med: 1.41 Max: 3.43
Current: 0.99
During the past 13 years, Algr Co-operative Insurance Co's highest PB Ratio was 3.43. The lowest was 0.78. And the median was 1.41.
SAU:8180's PB Ratio is ranked better than 70.86% of 501
companies
in the Insurance industry
Industry Median: 1.42
vs SAU:8180: 0.99
During the past 12 months, Algr Co-operative Insurance Co's average Book Value Per Share Growth Rate was -11.00% per year.
During the past 3 years, the average Book Value Per Share Growth Rate was 16.40% per year.
During the past 5 years, the average Book Value Per Share Growth Rate was 0.70% per year.
During the past 10 years, the average Book Value Per Share Growth Rate was -8.90% per year.
During the past 13 years, the highest 3-Year average Book Value Per Share Growth Rate of Algr Co-operative Insurance Co was 16.40% per year. The lowest was -27.10% per year. And the median was 9.40% per year.
The PB Ratio works the best for the businesses that earn most of their profit from their assets, e.g. banks and insurance companies.
Be Aware
Some businesses have very light assets, such as software companies or insurance agencies. The PB Ratio does not work well for these companies. Some companies even have negative equity, so the PB Ratio cannot be applied to them.
Algr Co-operative Insurance Co PB Ratio Related Terms
Algr Co-operative Insurance Co 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.
For the Insurance - Property & Casualty subindustry, Algr Co-operative Insurance Co's PB Ratio, along with its competitors' market caps and 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.
Algr Co-operative Insurance Co PB Ratio vs Insurance Industry
For the Insurance industry and Financial Services sector, Algr Co-operative Insurance Co's PB Ratio distribution charts can be found below:
* The bar in red indicates where Algr Co-operative Insurance Co's PB Ratio falls into.
Algr Co-operative Insurance Co PB Ratio Calculation
The PB Ratio, or Price-to-Book ratio, or Price/Book, is a financial ratio used to compare a company's market price to its Book Value per Share. It is a ratio widely used to value stocks.
* 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.
It can also be calculated from the numbers for the whole company:
A closely related ratio is called Price-to-Tangible-Book. The difference between Price-to-Tangible-Book and PB Ratio is that book value other than intangibles are used in the calculation.
Algr Co-operative Insurance Co (SAU:8180) has a PB Ratio of 0.98 as of Aug. 09, 2026. Price-to-Book ratio is the ratio of share price to a company's book value per share. View historical data on Algr Co-operative Insurance Co and its competitors. This is 30% below median its historical median of 1.41. Over the past decade, Algr Co-operative Insurance Co's PB Ratio has ranged from 0.78 to 3.43. According to the industry distribution chart, Algr Co-operative Insurance Co ranks #146 out of 501 companies in the Insurance industry, placing it in the top 29.1%.
Is Algr Co-operative Insurance Co's PB Ratio too high?
Algr Co-operative Insurance Co's current PB Ratio of 0.98 is 30% below median its 10-year median of 1.41. Over the past 10 years, this metric has ranged from a low of 0.78 to a high of 3.43. The Insurance industry median PB Ratio is 1.42. Algr Co-operative Insurance Co's value of 0.98 is 31% below this industry median. Based on the distribution chart, Algr Co-operative Insurance Co ranks #146 out of 501 companies in the Insurance industry, which is above the industry midpoint. Overall, Algr Co-operative Insurance Co has a GF Score™ of 70/100 and is considered Modestly Undervalued, reflecting its overall financial health beyond just this single metric.
How does Algr Co-operative Insurance Co's PB Ratio compare to CB and PGR?
According to the Insurance industry distribution chart, Algr Co-operative Insurance Co ranks #146 out of 501 companies for PB Ratio. This puts Algr Co-operative Insurance Co in the upper half of its industry. The industry median PB Ratio is 1.42. Algr Co-operative Insurance Co's value of 0.98 is 31% below this benchmark. Historically, Algr Co-operative Insurance Co's own PB Ratio has ranged from 0.78 to 3.43 over the past decade. While the company's 10-year median is 1.41 vs. the industry median of 1.42, Algr Co-operative 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 PB Ratio for an Insurance company?
The median PB Ratio among Insurance companies is 1.42, based on 501 companies in the industry. Companies in the top quartile (top 25%) have a PB Ratio significantly above this median, while those in the bottom quartile fall well below. However, PB Ratio should not be evaluated in isolation — investors should consider it alongside profitability, growth, and financial strength metrics. Algr Co-operative Insurance Co's current PB Ratio of 0.98 is 31% 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 PB Ratio mean?
A high PB Ratio can signal that a stock is expensive relative to its fundamentals. Price-to-Book ratio is the ratio of share price to a company's book value per share. View historical data on Algr Co-operative Insurance Co and its competitors. For the Insurance industry, the median PB Ratio is 1.42 — values significantly above this may indicate overvaluation, while values below may suggest a bargain or underlying issues. Algr Co-operative Insurance Co's current PB Ratio is 0.98, which is 30% below median its own 10-year median of 1.41. However, context matters — high-growth companies often justify higher valuations. Always evaluate alongside other metrics like GF Score™ and GF Value™.
Is Algr Co-operative Insurance Co stock overvalued right now?
Based on GuruFocus' analysis, Algr Co-operative Insurance Co (SAU:8180) is currently considered Modestly Undervalued. The stock's GF Value™ is ﷼14.17, compared to a current price of ﷼11.25 — trading 20.6% below its estimated fair value. The current PB Ratio is 0.98, which is 30% below median its 10-year median of 1.41 and 31% below the Insurance industry median of 1.42. Algr Co-operative Insurance Co's overall GF Score™ is 70/100 with 2 warning signs to review. Investors should evaluate multiple metrics — including profitability, growth, and financial strength — before making a decision.
How is PB Ratio calculated?
PB Ratio is calculated from a company's financial statements. For Algr Co-operative Insurance Co (SAU:8180), the current PB Ratio is 0.98 as of Aug. 09, 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 Algr Co-operative Insurance Co (SAU:8180) Overvalued in 2026?
Based on GuruFocus' analysis, Algr Co-operative Insurance Co stock appears to be undervalued.
The current stock price of ﷼11.25 is trading 20.6% below its estimated GF Value™ of ﷼14.17.
GuruFocus considers Algr Co-operative Insurance Co to be Modestly Undervalued.
Key valuation signals for SAU:8180:
PB Ratio: 0.98 (30% below median its 10-year median of 1.41)
GF Value™: ﷼14.17 vs. price of ﷼11.25 (20.6% below fair value)
Industry Position: 31% below the Insurance median (#146 of 501)
No single metric tells the full story. See the SAU:8180 stock analysis page for a complete view including 30-year financials, guru trades, and insider activity.
Al Sagr Co-operative Insurance Co is a Saudi Arabia-based company involved in the insurance sector. The company provides insurance in various areas, including motor, medical, marine, property, engineering, liability, miscellaneous, travel, energy, and medical malpractice. The company generates key insurance revenue from Motor Comprehensive and Motor Third-party Insurance.
70GF Score
Get the complete analysis for SAU:8180
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:8180 has been successfully added to your 
