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DB INSURANCE CO. LTD
(005830)
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Rating:74Outperform
Price Target:
$199,808
Action:N/A
Date:10/28/26
The score is driven primarily by solid financial performance (strong cash generation and healthy profitability) and a favorable valuation profile (low P/E and strong dividend yield). These positives are partially offset by weaker technical momentum signals (below key short-term moving averages with negative MACD and subdued RSI) and the recent sharp TTM revenue decline noted in the financials.
Positive Factors
Strong Cash Generation
Strong operating and free cash flow, with FCF up about 87.7% and tracking net income at 0.98–0.99, indicates earnings are converting into cash. That supports investment, policyholder obligations and shareholder commitments while reducing reliance on external funding.
Negative Factors
Revenue and Margin Pressure
The sharp recent revenue decline and lower net margin indicate weakening top-line momentum and reduced profitability versus earlier years. If sustained, this combination can constrain operating leverage, limit internal capital generation and make future earnings more dependent on investment performance.
Read all positive and negative factors
Positive Factors
Negative Factors
Strong Cash Generation
Strong operating and free cash flow, with FCF up about 87.7% and tracking net income at 0.98–0.99, indicates earnings are converting into cash. That supports investment, policyholder obligations and shareholder commitments while reducing reliance on external funding.
Read all positive factors
DB INSURANCE CO. LTD (005830) vs. SPDR S&P 500 ETF (SPY)
Market Cap
₩9.87T
Dividend Yield4.22%
Average Volume (3M)182.85K
Price to Earnings (P/E)7.1
Beta (1Y)0.18
Revenue Growth-14.37%
EPS Growth2.51%
CountryKR
Employees4,716
SectorGeneral
Sector StrengthN/A
IndustryInsurance - Property & Casualty
Share Statistics
EPS (TTM)25510.87
Shares Outstanding65,500,350
10 Day Avg. Volume226,232
30 Day Avg. Volume182,849
Financial Highlights & Ratios
PEG Ratio-1.10
Price to Book (P/B)0.93
Price to Sales (P/S)0.40
P/FCF Ratio1.86
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)27,754.3
Revenue Forecast (FY)₩1.48T
DB INSURANCE CO. LTD Business Overview & Revenue Model
Company Description
Operating throughout South Korea, DB Insurance Co., Ltd. furnishes a wide array of insurance policies and related services. Its product portfolio includes general, automobile, and long-term insurance options, notably under its Promy car and Promy ...
DB INSURANCE CO. LTD Financial Statement Overview
Summary
Income Statement
68
Positive
Balance Sheet
74
Positive
Cash Flow
82
Very Positive
| Breakdown | TTM | Dec 2025 | Dec 2024 | Dec 2023 | Dec 2022 | Dec 2021 |
|---|---|---|---|---|---|---|
Income Statement | ||||||
| Total Revenue | 20.85T | 23.06T | 17.23T | 16.12T | 15.05T | 17.47T |
| Gross Profit | 17.31T | 23.06T | 17.23T | 16.12T | 13.36T | 15.95T |
| EBITDA | 3.42T | 3.19T | 3.04T | 2.76T | 3.05T | 1.38T |
| Net Income | 1.82T | 1.79T | 1.85T | 1.74T | 2.03T | 869.52B |
Balance Sheet | ||||||
| Total Assets | 81.61T | 74.02T | 66.41T | 60.04T | 64.50T | 64.75T |
| Cash, Cash Equivalents and Short-Term Investments | 35.66T | 30.57T | 31.26T | 1.85T | 17.41T | 21.67T |
| Total Debt | 5.32T | 3.66T | 1.48T | 1.32T | 1.67T | 1.60T |
| Total Liabilities | 67.57T | 62.99T | 57.11T | 49.74T | 59.03T | 58.02T |
| Stockholders Equity | 13.97T | 10.02T | 9.30T | 10.24T | 5.37T | 6.64T |
Cash Flow | ||||||
| Free Cash Flow | 7.30T | 4.99T | 3.27T | 4.40T | 2.81T | 2.24T |
| Operating Cash Flow | 7.43T | 5.07T | 3.34T | 4.46T | 2.88T | 2.28T |
| Investing Cash Flow | -6.93T | -776.94B | -2.93T | -3.22T | -2.32T | -2.63T |
| Financing Cash Flow | 1.39T | 1.61T | -449.90B | -1.06T | -212.72B | 400.76B |
DB INSURANCE CO. LTD Technical Analysis
Positive
―
Price Trends
186420.00
Negative
169291.00
Positive
164084.34
Positive
Market Momentum
-1106.26
Positive
46.75
Neutral
17.38
Positive
Evaluating momentum and price trends is crucial in stock analysis to make informed investment decisions. For KR:005830, the sentiment is Positive. The current price of undefined is equal to the 20-day moving average (MA) of 185110.00, equal to the 50-day MA of 186420.00, and equal to the 200-day MA of 164084.34, indicating a neutral trend. The MACD of -1106.26 indicates Positive momentum. The RSI at 46.75 is Neutral, neither overbought nor oversold. The STOCH value of 17.38 is Positive, not indicating any strong overbought or oversold conditions. Overall, these indicators collectively point to a Positive sentiment for KR:005830.
DB 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:005830
DB INSURANCE CO. LTD
182,000.00
58,804.21
47.73%
KR:000370
Hanwha General Insurance Co., Ltd
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15.81%
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3,130.00
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Samsung Fire & Marine Insurance Co., Ltd
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43,250.00
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56.14%
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.