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Heungkuk Fire & Marine Insurance Co., Ltd
(000540)
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Rating:60Neutral
Price Target:
₩3,292.00
Action:N/A
Date:10/28/26
The score is driven mainly by mixed financial performance: strong revenue and solid free cash flow are offset by sharply weaker profitability and higher leverage. Technicals further weigh on the outlook due to a clear downtrend (price below key moving averages and negative MACD), despite oversold readings. Valuation is moderately supportive with a P/E near 10.
Positive Factors
Revenue Expansion
The sharp TTM revenue increase indicates substantial expansion in the insurer’s premium or service base. If the enlarged revenue platform can be retained and repriced appropriately, it provides greater scale for spreading operating costs and building future earnings capacity.
Negative Factors
Profitability Compression
The steep decline in net margin shows that strong revenue growth is not translating efficiently into profit. Persistently weaker profitability would limit retained earnings, reduce the value of additional volume, and make future results more dependent on improving claims, expenses, or investment conditions.
Read all positive and negative factors
Positive Factors
Negative Factors
Revenue Expansion
The sharp TTM revenue increase indicates substantial expansion in the insurer’s premium or service base. If the enlarged revenue platform can be retained and repriced appropriately, it provides greater scale for spreading operating costs and building future earnings capacity.
Read all positive factors
Heungkuk Fire & Marine Insurance Co., Ltd (000540) vs. SPDR S&P 500 ETF (SPY)
Market Cap
₩209.31B
Dividend YieldN/A
Average Volume (3M)26.42K
Price to Earnings (P/E)10.1
Beta (1Y)0.38
Revenue Growth7.66%
EPS Growth-84.99%
CountryKR
Employees898
SectorGeneral
Sector StrengthN/A
IndustryInsurance - Property & Casualty
Share Statistics
EPS (TTM)313.24
Shares Outstanding64,242,645
10 Day Avg. Volume26,150
30 Day Avg. Volume26,418
Financial Highlights & Ratios
PEG Ratio0.05
Price to Book (P/B)0.55
Price to Sales (P/S)0.07
P/FCF Ratio0.36
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
Heungkuk Fire & Marine Insurance Co., Ltd Business Overview & Revenue Model
Company Description
Heungkuk Fire&Marine Insurance Co., Ltd. primarily operates within the insurance industry. The company offers a diverse portfolio of insurance products, including policies for automobiles, health and medical care, specific illnesses, personal inju...
Heungkuk Fire & Marine Insurance Co., Ltd Financial Statement Overview
Summary
Income Statement
62
Positive
Balance Sheet
58
Neutral
Cash Flow
73
Positive
| Breakdown | TTM | Dec 2025 | Dec 2024 | Mar 2024 | Dec 2022 | Dec 2021 |
|---|---|---|---|---|---|---|
Income Statement | ||||||
| Total Revenue | 3.47T | 3.54T | 2.75T | 2.86T | 2.55T | 2.89T |
| Gross Profit | 2.77T | 3.54T | 2.75T | 2.86T | 2.37T | 2.68T |
| EBITDA | 101.58B | 237.65B | 193.40B | 431.60B | 311.00B | 127.44B |
| Net Income | 45.51B | 151.69B | 106.72B | 295.54B | 207.24B | 62.05B |
Balance Sheet | ||||||
| Total Assets | 11.41T | 12.50T | 12.89T | 12.03T | 12.40T | 13.76T |
| Cash, Cash Equivalents and Short-Term Investments | 143.46B | 6.86T | 6.65T | 5.35T | 2.99T | 3.51T |
| Total Debt | 753.97B | 688.53B | 414.15B | 541.34B | 314.60B | 384.41B |
| Total Liabilities | 10.72T | 12.08T | 12.12T | 10.88T | 10.02T | 13.07T |
| Stockholders Equity | 685.17B | 425.61B | 772.66B | 1.15T | 720.05B | 690.65B |
Cash Flow | ||||||
| Free Cash Flow | 381.47B | 653.36B | 861.65B | 654.42B | 335.46B | 365.16B |
| Operating Cash Flow | 395.06B | 657.92B | 874.97B | 671.58B | 356.20B | 389.60B |
| Investing Cash Flow | -328.55B | -767.63B | -887.30B | -328.86B | -417.34B | -371.19B |
| Financing Cash Flow | -18.53B | 19.69B | 79.44B | -18.88B | 34.92B | -12.32B |
Heungkuk Fire & Marine Insurance Co., Ltd Technical Analysis
Negative
―
Price Trends
3458.00
Negative
3371.35
Negative
3792.22
Negative
Market Momentum
-85.06
Positive
39.19
Neutral
19.13
Positive
Evaluating momentum and price trends is crucial in stock analysis to make informed investment decisions. For KR:000540, the sentiment is Negative. The current price of undefined is equal to the 20-day moving average (MA) of 3315.50, equal to the 50-day MA of 3458.00, and equal to the 200-day MA of 3792.22, indicating a bearish trend. The MACD of -85.06 indicates Positive momentum. The RSI at 39.19 is Neutral, neither overbought nor oversold. The STOCH value of 19.13 is Positive, not indicating any strong overbought or oversold conditions. Overall, these indicators collectively point to a Negative sentiment for KR:000540.
Heungkuk Fire & Marine 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:000540
Heungkuk Fire & Marine Insurance Co., Ltd
3,195.00
-555.00
-14.80%
KR:000370
Hanwha General Insurance Co., Ltd
6,170.00
730.00
13.42%
KR:000400
Lotte Non-Life Insurance Co., Ltd
2,400.00
492.00
25.79%
KR:000810
Samsung Fire & Marine Insurance Co., Ltd
637,000.00
208,268.87
48.58%
KR:001450
Hyundai Marine & Fire Insurance Co., Ltd.
42,050.00
14,350.00
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.