Data sourced from SEC EDGAR filings and third-party price providers. Scores, valuations, and metrics are algorithmic estimates. This is not investment advice. See our Terms and Methodology.
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Data sourced from SEC EDGAR filings and third-party price providers. Scores, valuations, and metrics are algorithmic estimates. This is not investment advice. See our Terms and Methodology.
Heungkuk Fire & Marine Insurance Co., Ltd. is a prominent insurance company that provides a broad range of insurance products and services. Offering protection against various risks, its primary function is to underwrite policies in sectors such as automobile, marine, property, casualty, and fire insurance. It serves both individual and corporate clients, ensuring a comprehensive safety net across different areas of life and business. Established in South Korea, Heungkuk Fire & Marine Insurance is integral to the country's financial markets by offering risk management solutions essential for economic stability and growth. The company not only supports individuals in mitigating personal risks but also plays a crucial role in the operational security of businesses. By undergirding sectors like maritime and real estate with requisite insurance products, Heungkuk contributes significantly to the sustainable development of these industries. Its robust product portfolio and market presence highlight its importance in managing operational risks and uncertainties, making it a vital player in the insurance industry.
₩3,210.00
₩5.00 (-0.16%)
Live · 05:27 PM
Net margin is thin at 5.03%. This may reflect rising credit costs, rate compression, or operational inefficiency.
Revenue grew 9.4% YoY.
Financial stocks carry unique risks (credit cycles, regulatory changes, interest rate sensitivity) that aren't captured by standard quality metrics.
9.7x earnings. Below the sector average, the market may be pricing in credit losses or regulatory headwinds, or there's genuine value here.
Based on TTM earnings · Diluted shares
Profitability & Returns
Revenue (TTM)
₩2.98T
▲ +9.4% YoY
Net Income (TTM)
₩31.45B
▲ +42.1% YoY
Net Margin
1.06%
P/E
9.7x
Balance Sheet
Total Assets
₩12.50T
Equity
₩836.87B
Total Debt
₩264.36B
Cash & Equiv.
₩6.86T
3Y CAGR: +1.4%
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At a P/E of 9.7 and a price-to-free-cash-flow of 0.0, Heungkuk Fire & Marine Insurance Co. (000540.XKRX) trades below a two-stage DCF intrinsic value of about KRW 4,685,148.13 per share, so at KRW 3,210.00 the stock looks undervalued (145,854.8% below estimated intrinsic value). A high multiple is not the same as overvalued: fast-growing, high-quality businesses can deserve a premium. See the general approach in how to tell if a stock is overvalued.
On quality, Heungkuk Fire & Marine Insurance Co. scores 63/100 on Intrinsiqq's quality scorecard (a solid business on these measures), weighing growth, margins, returns on capital, share count, and balance-sheet strength. It currently yields about 103.6%; see dividend safety for coverage and history. All figures are computed from SEC filings; read the full methodology. This is analysis, not investment advice.
Intrinsiqq's two-stage DCF estimates an intrinsic value of about KRW 4,685,148.13 per share for 000540.XKRX, projecting its recent free cash flow forward with a growth rate that fades toward a long-run rate and discounting it back to today. Applying a 25% margin of safety gives a more conservative fair-value entry around KRW 3,513,861.10. At today's KRW 3,210.00, that puts the stock about 145,854.8% below estimated intrinsic value. The result is sensitive to the growth and discount-rate inputs, so it is best to run conservative, base and optimistic cases. You can adjust all of them yourself with the sliders on the DCF tab.
Heungkuk Fire & Marine Insurance Co. scores 63 out of 100 on Intrinsiqq's quality score, a weighted blend of 8 metrics each scored 0 to 100, which makes it a solid business on these measures. The score weighs revenue and free-cash-flow growth, operating margins, return on invested capital, share-count change, and balance-sheet strength, all computed from SEC filings, not opinion. Because valuation only means something relative to quality, the full metric-by-metric breakdown is on the quality scorecard.
Yes, Heungkuk Fire & Marine Insurance Co. pays a regular dividend of about KRW 3,326.77 per share per year (typically in quarterly installments), a yield of roughly 103.6% at the current price. That is a payout ratio of about 79.8% of earnings, so the dividend is covered, with less cushion. Heungkuk Fire & Marine Insurance Co. has grown the dividend at roughly 61.4% a year over the past few years. A low headline yield is not the same as a weak dividend: what matters is how well earnings and free cash flow cover the payout and whether it is growing, not the percentage alone. For 000540.XKRX's full payout history, growth streak and dividend-safety score, see the dividends tab.
That depends on valuation and quality together, not either alone. 000540.XKRX currently trades below its estimated intrinsic value and scores 63/100 on quality (solid). It also yields about 103.6%. A cheap price is only a bargain if the business is durable, and a premium can be justified by genuine quality, so the two questions, "is it cheap?" and "is it good?", only make sense side by side. Read the valuation against the quality scorecard, run the DCF on your own assumptions, and decide for yourself. This is analysis from SEC filings, not investment advice.