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Lotte Non-Life Insurance Co., Ltd
(000400)
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Rating:56Neutral
Price Target:
₩2,431.00
Action:N/A
Date:10/28/26
The score is held back primarily by weakened recent financial performance (sharp TTM revenue decline and a return to a small loss), partially offset by solid TTM cash generation and improving leverage. Technicals are supportive with the price above key moving averages and a positive MACD, but valuation remains unattractive/unclear due to the negative P/E and no provided dividend yield.
Positive Factors
Positive cash generation
Positive operating and free cash flow provide internal liquidity even while reported earnings are weak. This supports ongoing claims, operations, and capital needs without relying entirely on external funding, although the company’s longer-term cash record remains uneven.
Negative Factors
Sharp revenue decline and loss
The sharp TTM revenue contraction and return to a loss point to weakened recent operating performance. Lower revenue reduces the base from which the insurer can generate earnings, while the loss limits internally funded growth and lowers confidence in near-term profitability.
Read all positive and negative factors
Positive Factors
Negative Factors
Positive cash generation
Positive operating and free cash flow provide internal liquidity even while reported earnings are weak. This supports ongoing claims, operations, and capital needs without relying entirely on external funding, although the company’s longer-term cash record remains uneven.
Read all positive factors
Lotte Non-Life Insurance Co., Ltd (000400) vs. SPDR S&P 500 ETF (SPY)
Market Cap
₩741.86B
Dividend Yield0.69%
Average Volume (3M)1.44M
Price to Earnings (P/E)―
Beta (1Y)0.07
Revenue Growth19.01%
EPS Growth-781.02%
CountryKR
Employees1,263
SectorGeneral
Sector StrengthN/A
IndustryInsurance - Property & Casualty
Share Statistics
EPS (TTM)N/A
Shares Outstanding310,336,330
10 Day Avg. Volume2,105,989
30 Day Avg. Volume1,444,056
Financial Highlights & Ratios
PEG Ratio0.07
Price to Book (P/B)0.95
Price to Sales (P/S)0.17
P/FCF Ratio2.02
Enterprise Value/Market CapN/A
Enterprise Value/RevenueN/A
Enterprise Value/Gross ProfitN/A
Enterprise Value/EbitdaN/A
Forecast
1Y Price TargetN/A
Price Target UpsideN/A
Rating ConsensusN/A
Number of Analyst Covering0
EPS Forecast (FY)N/A
Revenue Forecast (FY)N/A
Lotte Non-Life Insurance Co., Ltd Business Overview & Revenue Model
Company Description
Lotte Non-Life Insurance Co., Ltd. operates within South Korea, delivering a comprehensive array of non-life insurance solutions. Their product lineup includes policies for automobiles, property (fire), general liabilities, long-term risks, marine...
Lotte Non-Life Insurance Co., Ltd Financial Statement Overview
Summary
Income Statement
44
Neutral
Balance Sheet
58
Neutral
Cash Flow
63
Positive
| Breakdown | TTM | Dec 2025 | Dec 2024 | Mar 2024 | Dec 2022 | Dec 2021 |
|---|---|---|---|---|---|---|
Income Statement | ||||||
| Total Revenue | 5.11T | 3.22T | 2.26T | 1.99T | 1.49T | 2.27T |
| Gross Profit | 4.59T | 3.22T | 2.26T | 1.99T | 1.13T | 2.05T |
| EBITDA | 287.23B | 397.27B | 420.50B | 763.64B | 126.57B | 201.65B |
| Net Income | -14.59B | 51.32B | 24.22B | 285.58B | -99.20B | 119.88B |
Balance Sheet | ||||||
| Total Assets | 13.64T | 14.41T | 15.54T | 14.84T | 17.93T | 18.91T |
| Cash, Cash Equivalents and Short-Term Investments | 579.33B | 8.08B | 7.51T | 7.03T | 1.48T | 884.49B |
| Total Debt | 891.40B | 896.29B | 806.27B | 1.01T | 562.93B | 319.11B |
| Total Liabilities | 12.69T | 13.84T | 14.75T | 13.61T | 17.48T | 17.91T |
| Stockholders Equity | 948.18B | 568.13B | 794.24B | 1.26T | 448.64B | 1.00T |
Cash Flow | ||||||
| Free Cash Flow | 665.62B | 266.75B | -223.81B | 2.10T | 159.09B | 101.91B |
| Operating Cash Flow | 676.39B | 280.01B | -207.04B | 2.13T | 193.15B | 126.91B |
| Investing Cash Flow | 296.28B | 825.49B | -89.27B | 559.11B | -2.53T | -48.78B |
| Financing Cash Flow | -15.44B | -15.05B | -220.03B | -2.29T | 2.95T | -92.09B |
Lotte Non-Life Insurance Co., Ltd Technical Analysis
Positive
―
Price Trends
2183.32
Positive
2107.37
Positive
2057.62
Positive
Market Momentum
84.36
Positive
54.98
Neutral
9.01
Positive
Evaluating momentum and price trends is crucial in stock analysis to make informed investment decisions. For KR:000400, the sentiment is Positive. The current price of undefined is equal to the 20-day moving average (MA) of 2365.25, equal to the 50-day MA of 2183.32, and equal to the 200-day MA of 2057.62, indicating a bullish trend. The MACD of 84.36 indicates Positive momentum. The RSI at 54.98 is Neutral, neither overbought nor oversold. The STOCH value of 9.01 is Positive, not indicating any strong overbought or oversold conditions. Overall, these indicators collectively point to a Positive sentiment for KR:000400.
Lotte Non-Life Insurance Co., Ltd Peers Comparison
UnderperformOutperform
Sector (55)
Name | Overall Rating | Market Cap | P/E Ratio | ROE | Dividend Yield | Revenue Growth | EPS Growth |
|---|---|---|---|---|---|---|---|
74 Outperform | ₩9.87T | 7.10 | ― | 4.22% | -14.37% | 2.51% | |
70 Outperform | ₩24.62T | 13.93 | ― | 3.98% | 4.90% | 6.89% | |
69 Neutral | ₩3.12T | 2.82 | ― | 6.69% | -5.12% | 83.96% | |
64 Neutral | ₩719.55B | 2.37 | ― | 4.40% | 15.13% | 6.87% | |
60 Neutral | ₩209.31B | 10.09 | ― | ― | 7.66% | -84.99% | |
56 Neutral | ₩741.86B | -55.84 | ― | 0.69% | 19.01% | -781.02% | |
55 Neutral | $6.65B | 3.83 | -15.92% | 6.20% | 10.91% | 7.18% |
* General Sector Average
KR:000400
Lotte Non-Life Insurance Co., Ltd
2,400.00
492.00
25.79%
KR:000370
Hanwha General Insurance Co., Ltd
6,170.00
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KR:000540
Heungkuk Fire & Marine Insurance Co., Ltd
3,195.00
-555.00
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KR:000810
Samsung Fire & Marine Insurance Co., Ltd
637,000.00
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Hyundai Marine & Fire Insurance Co., Ltd.
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51.81%
KR:005830
DB INSURANCE CO. LTD
180,300.00
57,104.21
46.35%
Glossary
BuyA stock rated as a "Buy" is expected to perform better than the overall market or a specific benchmark over the near-to-medium term. This rating suggests the stock is likely to deliver higher returns compared to other stocks in the same sector or market index. Note: This is not investment advice; please consult a financial advisor before making investment decisions.
HoldA stock rated as a "Hold" is expected to perform in line with the overall market or a specific benchmark. This rating indicates that the stock is neither particularly compelling nor unfavorable for investment. Note: This is not investment advice; please consult a financial advisor before making investment decisions.
SellA stock rated as a "Sell" is expected to perform worse than the overall market or a specific benchmark over the near-to-medium term. This rating suggests the stock may deliver lower returns compared to other stocks in the same sector or market index. Note: This is not investment advice; please consult a financial advisor before making investment decisions.
Disclaimer
This AI Analyst Stock Report is automatically generated by our AI systems using advanced algorithms and publicly available financial, technical, and market data. While the information provided aims to be accurate and insightful, it is intended for informational purposes only and should not be considered financial advice. Any content created by an AI (Artificial Intelligence) system may contain inaccuracies and/or contain errors. Investing in stocks carries inherent risks, and past performance is not indicative of future results. This report does not account for your personal financial circumstances, objectives, or risk tolerance. Always conduct your own research or consult with a qualified financial advisor before making investment decisions. The analysis and recommendations provided are based on historical and current data and may not fully reflect future market conditions or unexpected developments. Neither the creators of this report nor its affiliated entities guarantee the accuracy, completeness, or reliability of the information presented. Use this report at your own discretion and risk.