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Samsung Life Insurance Co
(OTC:032830)
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Rating:59Neutral
Price Target:
₩266,475
Action:N/A
Date:10/28/26
The score is driven primarily by mixed financial performance: strong revenue growth and improved leverage are outweighed by materially weaker operating/free cash flow and subdued returns (low ROE). Technicals are a significant drag with the stock trading below major moving averages and negative MACD/low RSI. Valuation is neutral-to-supportive (P/E ~17.1; ~2.1% yield) but not strong enough to offset the weak trend and cash-flow deterioration.
Positive Factors
Strong Revenue and Earnings Growth
The sharp increase in revenue, together with higher absolute earnings, indicates meaningful business momentum across Samsung Life’s insurance and financial services activities. If sustained, this scale can strengthen operating capacity and support continued investment in distribution, products, and long-term growth.
Negative Factors
Material Cash Flow Deterioration
The substantial reduction in operating and free cash flow weakens confidence in the consistency of earnings conversion. Persistently lower cash generation could constrain internal funding capacity, reduce flexibility in capital allocation, and make future performance more sensitive to operating volatility.
Read all positive and negative factors
Positive Factors
Negative Factors
Strong Revenue and Earnings Growth
The sharp increase in revenue, together with higher absolute earnings, indicates meaningful business momentum across Samsung Life’s insurance and financial services activities. If sustained, this scale can strengthen operating capacity and support continued investment in distribution, products, and long-term growth.
Read all positive factors
Samsung Life Insurance Co (032830) vs. SPDR S&P 500 ETF (SPY)
Market Cap
₩49.92T
Dividend Yield1.91%
Average Volume (3M)232.58K
Price to Earnings (P/E)18.6
Beta (1Y)1.04
Revenue Growth12.54%
EPS Growth31.41%
CountryKR
Employees5,124
SectorGeneral
Sector StrengthN/A
IndustryInsurance - Life
Share Statistics
EPS (TTM)14920.10
Shares Outstanding200,000,000
10 Day Avg. Volume274,220
30 Day Avg. Volume232,582
Financial Highlights & Ratios
PEG Ratio1.32
Price to Book (P/B)0.45
Price to Sales (P/S)1.18
P/FCF Ratio6.42
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)18,416.76
Revenue Forecast (FY)₩838.00B
Samsung Life Insurance Co Business Overview & Revenue Model
Company Description
Samsung Life Insurance Co., Ltd. is a leading South Korean insurer with a global footprint, primarily operating in the life insurance sector. Its operations span domestic and international markets, encompassing not just insurance but also credit c...
Samsung Life Insurance Co Earnings Call Summary
Earnings Call Date:Nov 15, 2024
(Q3-2024)
| Next Earnings Date:Nov 12, 2026
Earnings Call Sentiment Neutral
The earnings call revealed strong financial performance with record profit growth and strategic initiatives in health products and senior business. However, concerns about the solvency ratio and regulatory impacts present challenges.Positive Updates
Record Profit Growth
Net profit attributable to controlling shareholders totaled KRW 673.6 billion in Q3, with YTD consolidated profit reaching KRW 2.0421 trillion, up KRW 592.4 billion Y-o-Y.
Negative Updates
Solvency Ratio Concerns
The K-ICS ratio declined from 219% at the end of last year to around 190% to 200% in September, impacted by regulatory tightening and market volatility.
Read all updates
Q3-2024 Updates
Positive
Negative
Record Profit Growth
Net profit attributable to controlling shareholders totaled KRW 673.6 billion in Q3, with YTD consolidated profit reaching KRW 2.0421 trillion, up KRW 592.4 billion Y-o-Y.
Read all positive updates
Company Guidance
During Samsung Life's Q3 2024 earnings call, the company provided detailed financial guidance, highlighting several key metrics. The new business Contractual Service Margin (CSM) increased by KRW 834.6 billion quarter-on-quarter, contributing to a cumulative CSM balance of KRW 13 trillion, a KRW 0.7 trillion increase since the beginning of the year. The company reported a consolidated net profit attributable to controlling shareholders of KRW 673.6 billion for the third quarter, pushing the year-to-date (YTD) consolidated profit over the KRW 2 trillion mark to KRW 2.0421 trillion, which is an increase of KRW 592.4 billion year-on-year. This profit comprises KRW 1.187 trillion from insurance service results and KRW 1.53 trillion from investment profit. Samsung Life's health products accounted for 62% of new business CSM, with a solid YTD new business CSM of KRW 2.5 trillion. The company aims to enhance shareholder returns to 50% in the mid- to long-term and is exploring strategic growth measures amidst challenging market conditions.Samsung Life Insurance Co Financial Statement Overview
Summary
Income Statement
74
Positive
Balance Sheet
78
Positive
Cash Flow
45
Neutral
| Breakdown | TTM | Dec 2025 | Dec 2024 | Dec 2023 | Dec 2022 | Dec 2021 |
|---|---|---|---|---|---|---|
Income Statement | ||||||
| Total Revenue | 35.55T | 23.99T | 23.90T | 24.40T | 20.16T | 28.53T |
| Gross Profit | 29.61T | 15.08T | 23.91T | 24.34T | 20.18T | 26.75T |
| EBITDA | 5.86T | 5.21T | 4.90T | 4.37T | 3.89T | 3.11T |
| Net Income | 2.84T | 2.30T | 2.11T | 1.90T | 2.17T | 1.47T |
Balance Sheet | ||||||
| Total Assets | 10.00T> | 10.00T> | 10.00T> | 10.00T> | 10.00T> | 10.00T> |
| Cash, Cash Equivalents and Short-Term Investments | 4.72T | 4.49T | 10.00T> | 10.00T> | 57.07T | 10.00T> |
| Total Debt | 27.32T | 23.65T | 20.28T | 19.62T | 20.18T | 18.11T |
| Total Liabilities | 10.00T> | 10.00T> | 10.00T> | 10.00T> | 10.00T> | 10.00T> |
| Stockholders Equity | 10.00T> | 62.72T | 30.73T | 42.44T | 22.28T | 37.81T |
Cash Flow | ||||||
| Free Cash Flow | 492.81B | 4.41T | 4.88T | 1.34T | -1.46T | 2.45T |
| Operating Cash Flow | 529.43B | 4.45T | 5.00T | 1.47T | -1.36T | 2.55T |
| Investing Cash Flow | -4.20T | -6.71T | -5.14T | -4.24T | 1.98T | -3.89T |
| Financing Cash Flow | 3.83T | 1.81T | -1.19T | -585.55B | 1.68T | 1.90T |
Samsung Life Insurance Co Technical Analysis
Neutral
―
Price Trends
283020.00
Negative
318880.00
Negative
278770.50
Negative
Market Momentum
-6996.79
Negative
55.91
Neutral
90.45
Negative
Evaluating momentum and price trends is crucial in stock analysis to make informed investment decisions. For KR:032830, the sentiment is Neutral. The current price of undefined is equal to the 20-day moving average (MA) of 259825.00, equal to the 50-day MA of 283020.00, and equal to the 200-day MA of 278770.50, indicating a neutral trend. The MACD of -6996.79 indicates Negative momentum. The RSI at 55.91 is Neutral, neither overbought nor oversold. The STOCH value of 90.45 is Negative, not indicating any strong overbought or oversold conditions. Overall, these indicators collectively point to a Neutral sentiment for KR:032830.
Samsung Life Insurance Co Peers Comparison
UnderperformOutperform
Sector (55)
Name | Overall Rating | Market Cap | P/E Ratio | ROE | Dividend Yield | Revenue Growth | EPS Growth |
|---|---|---|---|---|---|---|---|
65 Neutral | ₩40.52T | 7.60 | ― | 3.31% | 32.01% | 19.24% | |
62 Neutral | ₩52.90T | 9.08 | ― | 5.29% | 31.63% | 17.83% | |
59 Neutral | ₩49.92T | 18.63 | 3.47% | 1.91% | 12.54% | 31.41% | |
55 Neutral | $6.65B | 3.83 | -15.92% | 6.20% | 10.91% | 7.18% | |
54 Neutral | ₩2.57T | 20.53 | ― | 2.48% | 21.51% | -13.26% | |
53 Neutral | ₩3.11T | 3.35 | ― | 5.17% | 18.02% | 81.21% |
* General Sector Average
KR:032830
Samsung Life Insurance Co
278,000.00
125,733.66
82.57%
KR:055550
Shinhan Financial Group Co., Ltd.
88,500.00
17,453.44
24.57%
KR:085620
Mirae Asset Life Insurance Co., Ltd.
19,690.00
10,970.00
125.80%
KR:088350
HANWHA LIFE INSURANCE Co., Ltd.
4,145.00
1,090.00
35.68%
KR:105560
KB Financial Group Inc.
156,800.00
44,484.58
39.61%
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.