Want to see KR:000810 full AI Analyst Report?
Top Page
Samsung Fire & Marine Insurance Co., Ltd
(000810)
Select Model
Select Model
Rating:70Outperform
Price Target:
$656,700
Action:N/A
Date:10/28/26
The score is primarily supported by strong financial fundamentals, especially a very low-debt balance sheet and solid profitability. This is tempered by weak technical conditions (price below key moving averages and negative MACD) and some evidence of profit/cash-flow normalization and volatility. Valuation is supportive with a moderate P/E and a ~4% dividend yield.
Positive Factors
Very low leverage
A very low debt burden gives Samsung Fire & Marine substantial financial resilience and flexibility. The expanding equity base provides additional capacity to absorb insurance volatility, support regulatory capital needs, and fund investment or strategic initiatives without relying heavily on borrowing.
Negative Factors
Margin compression
The decline in net margin shows that profitability has moderated despite continued revenue growth. If this pressure persists, less of each premium and investment dollar will convert into earnings, reducing internal capital generation and potentially limiting the pace of future expansion or shareholder distributions.
Read all positive and negative factors
Positive Factors
Negative Factors
Very low leverage
A very low debt burden gives Samsung Fire & Marine substantial financial resilience and flexibility. The expanding equity base provides additional capacity to absorb insurance volatility, support regulatory capital needs, and fund investment or strategic initiatives without relying heavily on borrowing.
Read all positive factors
Samsung Fire & Marine Insurance Co., Ltd (000810) vs. SPDR S&P 500 ETF (SPY)
Market Cap
₩24.62T
Dividend Yield3.98%
Average Volume (3M)72.16K
Price to Earnings (P/E)13.9
Beta (1Y)0.26
Revenue Growth4.90%
EPS Growth6.89%
CountryKR
Employees5,535
SectorGeneral
Sector StrengthN/A
IndustryInsurance - Property & Casualty
Share Statistics
EPS (TTM)45426.23
Shares Outstanding44,647,472
10 Day Avg. Volume88,746
30 Day Avg. Volume72,155
Financial Highlights & Ratios
PEG Ratio-0.77
Price to Book (P/B)1.15
Price to Sales (P/S)0.99
P/FCF Ratio6.73
Enterprise Value/Market CapN/A
Enterprise Value/RevenueN/A
Enterprise Value/Gross ProfitN/A
Enterprise Value/EbitdaN/A
Forecast
1Y Price Target
₩800,000.00Price Target Upside― Downside
Rating ConsensusModerate Buy
Number of Analyst Covering1
EPS Forecast (FY)58,116.31
Revenue Forecast (FY)₩1.82T
Samsung Fire & Marine Insurance Co., Ltd Business Overview & Revenue Model
Company Description
Operating both domestically in Korea and across global markets, Samsung Fire & Marine Insurance Co., Ltd., along with its affiliated entities, specializes in offering a diverse range of non-life insurance policies and related services. Its extensi...
How the Company Makes Money
Samsung Fire & Marine Insurance primarily generates earnings through two core engines: underwriting income and investment income. (1) Underwriting income comes from collecting insurance premiums across its major product lines—such as auto, long-te...
Samsung Fire & Marine Insurance Co., Ltd Financial Statement Overview
Summary
Income Statement
78
Positive
Balance Sheet
90
Very Positive
Cash Flow
72
Positive
| Breakdown | TTM | Dec 2025 | Dec 2024 | Dec 2023 | Dec 2022 | Dec 2021 |
|---|---|---|---|---|---|---|
Income Statement | ||||||
| Total Revenue | 26.99T | 24.78T | 18.90T | 17.80T | 16.83T | 21.58T |
| Gross Profit | 26.99T | 24.78T | 18.90T | 17.80T | 15.20T | 19.94T |
| EBITDA | 3.33T | 3.01T | 3.44T | 3.12T | 2.66T | 1.85T |
| Net Income | 2.15T | 2.02T | 2.07T | 1.82T | 1.62T | 1.12T |
Balance Sheet | ||||||
| Total Assets | 10.00T> | 96.45T | 87.23T | 85.02T | 80.80T | 94.93T |
| Cash, Cash Equivalents and Short-Term Investments | 1.45T | 58.60T | 51.59T | 49.83T | 41.52T | 48.64T |
| Total Debt | 477.70B | 433.18B | 313.30B | 149.11B | 171.53B | 186.59B |
| Total Liabilities | 79.30T | 75.16T | 71.67T | 68.87T | 77.18T | 79.44T |
| Stockholders Equity | 36.18T | 21.26T | 15.57T | 16.11T | 12.50T | 15.47T |
Cash Flow | ||||||
| Free Cash Flow | 4.83T | 3.63T | 3.06T | -637.23B | 338.79B | 758.03B |
| Operating Cash Flow | 4.89T | 3.68T | 3.13T | -562.09B | 398.98B | 794.49B |
| Investing Cash Flow | -3.44T | -2.04T | -2.01T | 1.23T | -63.22B | -1.07T |
| Financing Cash Flow | -905.23B | -909.24B | -458.62B | -667.34B | -599.75B | -115.23B |
Samsung Fire & Marine Insurance Co., Ltd Technical Analysis
Positive
―
Price Trends
637860.00
Negative
642890.00
Negative
566289.82
Positive
Market Momentum
-9472.32
Negative
55.77
Neutral
63.16
Neutral
Evaluating momentum and price trends is crucial in stock analysis to make informed investment decisions. For KR:000810, the sentiment is Positive. The current price of undefined is equal to the 20-day moving average (MA) of 612250.00, equal to the 50-day MA of 637860.00, and equal to the 200-day MA of 566289.82, indicating a neutral trend. The MACD of -9472.32 indicates Negative momentum. The RSI at 55.77 is Neutral, neither overbought nor oversold. The STOCH value of 63.16 is Neutral, not indicating any strong overbought or oversold conditions. Overall, these indicators collectively point to a Positive sentiment for KR:000810.
Samsung 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:000810
Samsung Fire & Marine Insurance Co., Ltd
637,000.00
208,268.87
48.58%
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:000540
Heungkuk Fire & Marine Insurance Co., Ltd
3,195.00
-555.00
-14.80%
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.