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Mirae Asset Life Insurance Co., Ltd. (085620) AI Stock Analysis
Mirae Asset Life Insurance Co., Ltd.
(Korea Exchange:085620)
The score is held back primarily by inconsistent cash flow quality and compressed margins despite strong TTM revenue growth. Technically, the stock is in a weak trend (below key moving averages with negative MACD), adding near-term risk. Valuation is moderate (P/E ~18.1) but lacks dividend-yield support in the provided data.
Mirae Asset Life Insurance Co., Ltd. (085620) vs. SPDR S&P 500 ETF (SPY)
- Market Cap
- KRW 2.53T
- Dividend Yield
- ―
- Average Volume (3M)
- 222.66K
- Price to Earnings (P/E)
- 20.5
- Beta (1Y)
- 0.70
- Revenue Growth
- 21.51%
- EPS Growth
- -13.26%
- Country
- KR
- Employees
- 793
- Sector
- General
- Sector Strength
- 55
- Industry
- Insurance - Life
Mirae Asset Life Insurance Co., Ltd. Business Overview & Revenue Model
Company Description
Mirae Asset Life Insurance Co., Ltd. operates in the South Korean market, delivering a diverse portfolio of financial protection offerings. These include various life and personal insurance policies, reinsurance contracts, and a selection of retireme...
Mirae Asset Life Insurance Co., Ltd. Financial Statement Overview
Summary
Balance sheet strength is a positive (debt-to-equity improved to ~0.14 TTM with stable equity), but operating performance is mixed: revenue rebounded sharply (+48.8% TTM) while profitability compressed (net margin ~1.5%, operating margin ~2.5%). Cash flow is the main weakness—TTM turned positive, but multi-year negative operating/free cash flow and weak conversion (FCF ~0.67x net income) keep the score restrained.
Income Statement
64PositiveBalance Sheet
78PositiveCash Flow
42Neutral| Breakdown | TTM | Dec 2025 | Dec 2024 | Dec 2023 | Dec 2022 | Dec 2021 |
|---|---|---|---|---|---|---|
Income Statement | ||||||
| Total Revenue | 8.31T | 4.34T | 3.64T | 4.18T | 2.52T | 2.84T |
| Gross Profit | 4.81T | 4.33T | 3.61T | 4.13T | 2.45T | 2.37T |
| EBITDA | 241.19B | 249.79B | 170.68B | 200.09B | 223.58B | 169.28B |
| Net Income | 126.66B | 130.78B | 136.11B | 101.40B | 124.82B | 79.09B |
Balance Sheet | ||||||
| Total Assets | 34.37T | 32.92T | 32.49T | 33.09T | 37.25T | 42.00T |
| Cash, Cash Equivalents and Short-Term Investments | 1.12T | 982.15B | 13.04T | 12.59T | 5.20T | 8.34T |
| Total Debt | 341.44B | 615.90B | 499.43B | 549.32B | 998.79B | 498.64B |
| Total Liabilities | 31.95T | 30.47T | 29.93T | 30.18T | 35.92T | 40.10T |
| Stockholders Equity | 2.42T | 2.45T | 2.56T | 2.91T | 1.33T | 1.90T |
Cash Flow | ||||||
| Free Cash Flow | 17.31B | -246.72B | -268.91B | -1.00T | -226.74B | 91.71B |
| Operating Cash Flow | 25.68B | -242.15B | -253.25B | -990.66B | -218.89B | 100.47B |
| Investing Cash Flow | -83.47B | -320.47B | 6.86B | 1.78T | 53.24B | -44.33B |
| Financing Cash Flow | -18.78B | 85.89B | -61.69B | -486.40B | 472.24B | -135.62B |
Mirae Asset Life Insurance Co., Ltd. Technical Analysis
Price Trends
Market Momentum
Evaluating momentum and price trends is crucial in stock analysis to make informed investment decisions. For KR:085620, the sentiment is Positive. The current price of 19640.00 is above the 20-day moving average (MA) of 18515.00, below the 50-day MA of 20344.40, and above the 200-day MA of 17048.30, indicating a neutral trend. The MACD of -303.07 indicates Negative momentum. The RSI at 55.38 is Neutral, neither overbought nor oversold. The STOCH value of 92.88 is Negative, not indicating any strong overbought or oversold conditions. Overall, these indicators collectively point to a Positive sentiment for KR:085620.
Mirae Asset Life Insurance Co., Ltd. Peers Comparison
Overall Rating
KR:03283059Neutral- KR:08562054Neutral
KR:08835053Neutral
Financial Indicators
| Name | Overall Rating | Market Cap | P/E Ratio | ROE | Dividend Yield | Revenue Growth | EPS Growth |
|---|---|---|---|---|---|---|---|
| KR:032830 | 59Neutral | KRW 48.57T | 18.13 | 3.47% | 1.96% | 12.54% | 31.41% |
| Sector * | 55Neutral | $6.65B | 3.83 | -15.92% | 6.20% | 10.91% | 7.18% |
| KR:085620 | 54Neutral | KRW 2.56T | 20.48 | ― | ― | 21.51% | -13.26% |
| KR:088350 | 53Neutral | KRW 3.09T | 3.32 | ― | ― | 18.02% | 81.21% |
* General Sector Average
Performance Comparison
| Show on chart | Ticker | Company Name | Price | Change | % Change |
|---|---|---|---|---|---|
| KR:085620 | Mirae Asset Life Insurance Co., Ltd. | 19640.00 | 10800.00 | 122.17% | |
| KR:032830 | Samsung Life Insurance Co | 270500.00 | 123360.80 | 83.84% | |
| KR:088350 | HANWHA LIFE INSURANCE Co., Ltd. | 4115.00 | 1110.00 | 36.94% |
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.
Date of analysis: Oct 28, 2026