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.
Samsung Fire & Marine Insurance Co., Ltd. is a major player in the insurance industry, offering a variety of services primarily centered around risk management and financial protection. The firm provides both personal and commercial insurance products, including property, casualty, auto, and marine insurance among others, catering to a diverse clientele that spans individual policyholders to large enterprises. Part of the expansive Samsung Group, it benefits from the group's global footprint and robust reputation, positioning it advantageously in both domestic and international markets. Samsung Fire & Marine Insurance plays a critical role in the financial sector, contributing to economic stability by spreading out risk and facilitating business transactions through secured protection. By leveraging innovative insurance solutions and advanced technology, the company continues to bolster its presence in emerging markets while sustaining growth in established ones.
₩614,000.00
₩9,000.00 (-1.44%)
Live · 05:26 PM
Net margin is thin at 9.77%. 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.
12.1x earnings. In line with financial-sector norms. The question is whether the current credit environment supports sustained earnings at this level.
Based on TTM earnings · Diluted shares
Profitability & Returns
Revenue (TTM)
₩20.68T
▲ +9.4% YoY
Net Income (TTM)
₩2.02T
▼ -2.7% YoY
Net Margin
9.77%
P/E
12.1x
Balance Sheet
Total Assets
₩96.45T
Equity
₩21.29T
Total Debt
₩313.30B
Cash & Equiv.
₩58.60T
3Y CAGR: +7.1%
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At a P/E of 12.1 and a price-to-free-cash-flow of 7.3, Samsung Fire & Marine Insurance Co. (000810.XKRX) trades below a two-stage DCF intrinsic value of about KRW 5,704,763.13 per share, so at KRW 614,000.00 the stock looks undervalued (829.1% 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, Samsung Fire & Marine Insurance Co. scores 85/100 on Intrinsiqq's quality scorecard (a high-quality business on these measures), weighing growth, margins, returns on capital, share count, and balance-sheet strength. It currently yields about 3.3%; 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 5,704,763.13 per share for 000810.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 4,278,572.35. At today's KRW 614,000.00, that puts the stock about 829.1% 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.
Samsung Fire & Marine Insurance Co. scores 85 out of 100 on Intrinsiqq's quality score, a weighted blend of 8 metrics each scored 0 to 100, which makes it a high-quality 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, Samsung Fire & Marine Insurance Co. pays a regular dividend of about KRW 20,296.78 per share per year (typically in quarterly installments), a yield of roughly 3.3% at the current price. That is a payout ratio of about 40.0% of earnings, so the dividend is well covered. Samsung Fire & Marine Insurance Co. has grown the dividend at roughly 21.2% 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 000810.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. 000810.XKRX currently trades below its estimated intrinsic value and scores 85/100 on quality (high-quality). It also yields about 3.3%. 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.