Samsung Fire & Marine Insurance (000810) fair value: what the stock is really worth
As of Nov 5, 2026: fair value (intrinsic value) of Samsung Fire & Marine Insurance stock KRW 524,057, price KRW 652,000, that is 19.6% below the price, quality 56 out of 100. Rating: overvalued. Calculated from audited financials with 6 of our 26 valuation models and 37 quality factors, updated daily.
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Price vs Fair Value
White line = price, green steps = our fair value per fiscal year. As of Nov 3, 2026.
How to read this chart
60‑month range 147,231 KRW – 730,000 KRW · fair‑value band 410,963 KRW – 653,017 KRW · the 652,000 KRW price screens above the 524,057 KRW fair value. Green steps = our fair value per fiscal year (point-in-time, no hindsight). As of Nov 3, 2026.
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Samsung Fire & Marine Insurance Co., Ltd., together with its subsidiaries, provides non-life insurance products and services in South Korea, China, Indonesia, Vietnam, Singapore, the United States, and the United Kingdom.
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The company offers automobile insurance, long-term damage insurance, personal pensions, and retirement pensions, as well as claim adjustment, agency, and insurance consulting services.
It also provides general insurance that covers risks related to business management, personal property, and body, including fire, marine, technology, liability, injury, and disease. The company was founded in 1952 and is headquartered in Seoul, South Korea.
Stock analysis
Samsung Fire & Marine Insurance (000810) currently trades at 652,000 KRW, while our model-based Fair Value estimate is 524,057 KRW, 20% below the price, so the stock looks overvalued today.
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Valuation
Bull case: the Economic Profit group reads highest at a median of 524,057 KRW per share, and 1 of the 6 models we run sit above the 652,000 KRW price.
Bear case: the Dividend Discount group reads lowest at 297,817 KRW, and 5 of the 6 models stay below the price. Data coverage for this calculation is high.
Scenario range: 410,963 KRW (bear) to 653,017 KRW (bull), the price of 652,000 KRW sits inside it. Bear and bull are the same models on cautious and optimistic assumptions, a range, not a price target.
Quality & growth
The Quality Score stands at 56/100 (solid quality), in the Financial Services sector.
Weak Growth: Revenue growth is inconsistent: the periods point in different directions, so there is no trend to rely on.
Samsung Fire & Marine Insurance reported revenue of 20.7T KRW in FY2025 versus 21.6T KRW in FY2021, a compound −1.1%/yr. Reported net income was 2.0T KRW in FY2025, compounding +15.8%/yr from FY2021.
Key figures
Market cap 26.0T KRW (≈ $19.1B) Large · P/E ratio 13.3 · P/S ratio 1.22 · EPS (TTM) 45,429 KRW · Dividend yield 3.0% · Net margin 10.1% · Return on equity 8.1% · Return on assets (EBIT) 1.8%.
Competitive moat
Our AI-assisted moat analysis scores the competitive advantage at 50 out of 100 (low confidence).
What moves the price
The share trades about 11% below its 52-week high and 49% above its 52-week low, currently above its 200-day average.
For context, the median of 10 Financial Services peers we cover trades at −23% fair-value upside, at −20%, 000810 screens cheaper than that median.
Fair Value models
Bear410,963 KRWFair Value 524,057 KRWBull653,017 KRW
Price 652,000 KRW · Downside -19.6%
Model ⓘEach model values the company its own way (discounted cash flow, earnings, assets, dividends). The fair value above starts from their evidence-weighted blend, not from a single model. In cyclical trough or peak years, after dilution or a stock split it is adjusted afterwards, so it can sit above or below the models. Based on fiscal year 2025 figures (about 10 months old). Earnings retained since then (22,022 KRW per share) are deliberately not added.Bear ⓘBear = the cautious scenario: the same model computed with conservative anchors (lower growth, margins and valuation multiples). Together with Bull it frames a plausible valuation range, not a price target.BaseBull ⓘBull = the optimistic scenario: the same model computed with favourable anchors (higher growth, margins and valuation multiples). Together with Bear it frames a plausible valuation range, not a price target. If a model's bull case is above four times its base value, the table shows that limit with a > sign (like the overall Bull above): beyond it no assumption holds.Coverage ⓘCoverage = how well-backed THIS model's estimate is for this stock (0–100): how complete and reliable its input data are, and how well the model fits the company. The final Fair Value is an evidence-weighted blend, so better-evidenced models count more. Green ≥70, amber 50–69, grey below 50.
Growth Quality ⓘGrowth is valuable only when reinvestment earns attractive returns (Aswath Damodaran): sustainable growth depends on return on capital, reinvestment and efficiency. Basis: total company revenue over the periods shown on the cards (3Y/5Y/all years), not per share, so a merger can show up as a growth jump; per-share earnings growth is in the value-creation card.40/100
Revenue growth is inconsistent: the periods point in different directions, so there is no trend to rely on.
Revenue growth 1 year
+9.4%
Revenue growth 3 years ⓘMeasures the company's TOTAL revenue from reported annual statements: compound average growth per year (CAGR) from the fiscal year 3, 5 or N years back to the most recent comparable fiscal year. Not per share: buybacks do not change this number, and a merger can appear as a growth jump. Per-share growth (which does include buybacks) is in the value-creation card.
−2.2%
Revenue growth 5 years ⓘMeasures the company's TOTAL revenue from reported annual statements: compound average growth per year (CAGR) from the fiscal year 3, 5 or N years back to the most recent comparable fiscal year. Not per share: buybacks do not change this number, and a merger can appear as a growth jump. Per-share growth (which does include buybacks) is in the value-creation card.
−0.8%
Start year 2020 (pandemic). Over 10 years: +0.6% a year
Revenue growth 26 years ⓘMeasures the company's TOTAL revenue from reported annual statements: compound average growth per year (CAGR) from the fiscal year 3, 5 or N years back to the most recent comparable fiscal year. Not per share: buybacks do not change this number, and a merger can appear as a growth jump. Per-share growth (which does include buybacks) is in the value-creation card.
+6.5%
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What shareholders gained per year (last 5 years), in KRW ⓘWhat the business itself delivers per year: earnings growth per share plus the dividend yield. This is what you get IF the market keeps valuing the stock the same way: it contains no assumption about the market changing its mind. Computed per share, so buybacks count and a merger does not pass as growth. For a company that pays no dividend it is pure earnings growth per share. Period: earnings growth per share as CAGR over the last 5 reported fiscal years (annual statements), plus the current dividend yield. The start value is the median of the three years around the start, so a single crisis year (a pandemic or a write-down) does not distort the rate. Measured in KRW: this currency has depreciated against the euro and dollar over the long run, so part of the nominal rate is currency erosion that never reaches a EUR/USD investor.
+24.7%
Earnings growth per share plus dividend.
Earnings per share, growth per year+21.7%
Dividend (yield on the price)3.0%
Pace: 5 vs 10 years ⓘTwo data points, not a trend model: earnings growth per share over the last 5 fiscal years against the last 10. Labelled "steady" when both rates are within 3 percentage points of each other, otherwise picking up or flattening. Shown only when ten years of history exist.21.7% vs 9.6%, picking up
Pace: the 5-year rate starts in 2020 (pandemic)
⚠ Revenue per share shrinking 1.8%/yr over ~7Y (margin trend unclear) ⓘStructural-decline marker: revenue PER SHARE has fallen over the last decade (robust median trend, not a single year). Backtested across 2005 to 2017, such businesses trailed the market by about 2.5 percentage points per year. Display only: it does not change the fair value or the quality score.
Growth Forecast
Little optimism in the price
The price assumes less growth than the company has delivered so far.
What the price assumes ⓘThis turns our valuation around: instead of asking what the share is worth, it asks what growth the current price requires. It uses the cash the company keeps after all spending (free cash flow), the same discount rate as our models, five years of growth, then slowing evenly to 2 % a year by year ten. Compared with the analysts' sales forecasts extended to the same five years (at least three analysts, for context only, it does not enter the Fair Value): within 3 percentage points counts as "in line" (amber), below that little optimism (green), above that a lot of optimism (red).
−12.5%
The company could shrink this much every year for the next five years and today's price would still be justified.
What forecasts expect
n/a
No analyst forecast available.
After inflation (South Korea: IMF forecast 2.1% a year to 2030, 2.1% from 2016 to 2025) that is about −14.3% a year for the price.
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Peer GroupⓘHow this stock ranks against its industry: the green marker is this stock, the band is the typical 25–75% peer range, and the tick is the median.Insurance - Property & Casualty · 100 stocks
For bloggers, editors and developers: paste this into your site or blog (a “Custom HTML” block in WordPress), it shows the current fair value and links back here. Free, plain HTML, and welcome. Full data streams (CSV/JSON) at /developers.
Cite: Fair Value Calculator (2026). "Samsung Fire & Marine Insurance Fair Value". https://www.fairvalue-calculator.com/stock/000810
Frequently asked questions
Is Samsung Fire & Marine Insurance (000810) overvalued or undervalued?
As of Nov 3, 2026, our model estimates a fair value of 524,057 KRW versus a price of 652,000 KRW, about 20% lower (overvalued).
What is the fair value of 000810?
Our model-based fair value for Samsung Fire & Marine Insurance is 524,057 KRW (as of Nov 3, 2026), built from audited fundamentals. The current price: 652,000 KRW.
What is the quality score of 000810?
Samsung Fire & Marine Insurance has a Quality Score of 56/100. It measures business quality (profitability, growth, cash flow, balance-sheet strength, investment discipline, share issuance). Market factors such as price momentum and volatility do not enter the number; they are shown separately in the detail view.
What is the price target for Samsung Fire & Marine Insurance (000810)?
Our model-based price target is the fair value of 524,057 KRW (as of Nov 3, 2026) from 6 valuation models. Cautious scenario 410,963 KRW, optimistic scenario 653,017 KRW. It is a calculation from audited fundamentals, not an analyst target.
What is the Samsung Fire & Marine Insurance stock forecast for 2026?
Our models put fair value at 524,057 KRW, about 20% lower versus a price of 652,000 KRW (overvalued). Cautious scenario 410,963 KRW, optimistic scenario 653,017 KRW. The calculation is refreshed regularly with new filings.
What is the revenue of Samsung Fire & Marine Insurance (000810)?
Samsung Fire & Marine Insurance reported trailing-twelve-month revenue of about 21.3T KRW (latest available figure, as of Nov 3, 2026).
Does Samsung Fire & Marine Insurance pay a dividend?
Samsung Fire & Marine Insurance currently shows a dividend yield of 2.99% relative to its recent price (as of Nov 3, 2026).
What growth is priced into Samsung Fire & Marine Insurance (000810)?
For today's price to be fair in a discounted-cash-flow model, Samsung Fire & Marine Insurance would have to grow free cash flow by -12.5 % per year for five years (discount rate 8.4 %, then slowing evenly to 2 % perpetual growth by year ten). Over the last 5 years revenue grew -0.8 % per year. As of Nov 3, 2026.
What discount rate (WACC) does the fair value of 000810 use?
Our models discount Samsung Fire & Marine Insurance at 8.4 %: a base by market capitalisation (large), damped by beta 0.44, country premium for South Korea. The same rate applies in all 26 models.
What is a reverse DCF?
A reverse DCF turns the usual calculation around. Instead of deriving a value from assumptions, it takes today's price as given and asks: what free-cash-flow growth would a company have to deliver for exactly this price to be fair? The result is not a forecast but the expectation already priced in. For Samsung Fire & Marine Insurance that is -12.5 % per year a year over ten years, using the same discount rate (8.4 %) and the same formula as our fair value.
How much growth has Samsung Fire & Marine Insurance (000810) delivered so far?
Over the past 5 years revenue at Samsung Fire & Marine Insurance grew -0.8 % a year. The price currently implies -12.5 % per year free-cash-flow growth a year. Comparing the two shows how much confidence is in the price: if it demands more than has been delivered, the business has to accelerate for the maths to work.
How fast is the sector of Samsung Fire & Marine Insurance (000810) growing?
The median revenue growth in the sector is +9.4 % a year. That is the yardstick for the growth priced into Samsung Fire & Marine Insurance (-12.5 % per year a year): it shows whether the expectation is within the usual range or beyond it.
What is the free cash flow yield of Samsung Fire & Marine Insurance (000810)?
The free-cash-flow yield on the price is 12.89 %: that much free cash flow Samsung Fire & Marine Insurance produces per unit of market value. When it exceeds the discount rate of our models (8.4 %), the business already earns more than its cost of capital demands, and the price needs little additional growth.
What is the intrinsic value of Samsung Fire & Marine Insurance (000810)?
Intrinsic value and fair value mean the same thing: what the business is worth on its numbers, independent of the share price. For Samsung Fire & Marine Insurance it is 524,057 KRW per share (as of Nov 3, 2026), against a price of 652,000 KRW. It is the blended result of 6 valuation models (cash flow, earnings, asset, dividend).
Is Samsung Fire & Marine Insurance stock overvalued or undervalued in 2026?
As of Nov 3, 2026, 000810 trades above its calculated fair value: price 652,000 KRW, fair value 524,057 KRW, a gap of about −20% (overvalued). The calculation is refreshed with each new quarterly report, so the verdict can change during the year.
Is fair value the same as the market price of 000810?
No. The price is what the market pays today (652,000 KRW); the fair value is what the company's own numbers justify (524,057 KRW). For Samsung Fire & Marine Insurance the two are 127,943 KRW per share apart. That gap is exactly why we show both numbers side by side.
How much is Samsung Fire & Marine Insurance worth?
The market values Samsung Fire & Marine Insurance at about 26.0T KRW (market capitalisation, as of Nov 3, 2026). Per share that is 652,000 KRW; our models calculate a fair value of 524,057 KRW per share.
What do the bullish and bearish scenarios say about 000810?
Our models span a range for Samsung Fire & Marine Insurance: cautious scenario 410,963 KRW, base 524,057 KRW, optimistic 653,017 KRW per share (as of Nov 3, 2026, price 652,000 KRW). The range comes from different growth and margin assumptions, not from analyst opinions.
What is the P/E ratio of 000810?
Samsung Fire & Marine Insurance trades at a price-to-earnings ratio of 13.3 (as of Nov 3, 2026). A P/E on its own says little: it compares the price with ONE year of profit, while our fair value of 524,057 KRW is built from several models across several years. Median P/E at fiscal year-end, 10 fiscal years (2016 to 2025), reported earnings: 9.9. Other multiples: P/B 1.2, P/S 1.2, EV/EBITDA 9.1.
How solid is the balance sheet of Samsung Fire & Marine Insurance (000810)?
Balance-sheet figures for Samsung Fire & Marine Insurance (as of Nov 3, 2026): return on equity 8.1%, debt of 0.02 per unit of equity. They feed the Quality Score of 56/100, which measures business quality independently of the share price.
How far is 000810 from its 52-week high?
Samsung Fire & Marine Insurance trades at 652,000 KRW, about 11% below its 52-week high of 730,000 KRW and 49% above the low of 437,373 KRW (as of Nov 5, 2026). Distance from the high says nothing about value: that is what the fair value of 524,057 KRW is for.
Which stocks are comparable to Samsung Fire & Marine Insurance?
From the same area (Financial Services) we also value Chubb Limited, The Progressive Corporation, The Travelers Companies, Inc, The Allstate Corporation, among others. Each of them has its own fair-value calculation on this site using the same models, so the comparison is like for like.
Is Samsung Fire & Marine Insurance stock attractive at the current price?
The data as of Nov 3, 2026: price 652,000 KRW, calculated fair value 524,057 KRW (−20%), Quality Score 56/100, from 6 models. Whether that fits your horizon and risk tolerance is your call. We provide the calculation, not investment advice.
How is the fair value of 000810 calculated?
We run Samsung Fire & Marine Insurance through 6 models from four families: discounted cash flow, earnings models, asset and balance-sheet models, and dividend models. Every model gets the same audited fundamentals; the result is the weighted average of 524,057 KRW, with the spread shown as a cautious and an optimistic scenario.
Is it still worth investing in stocks now?
The global stock market currently sits 15.5% above its aggregate fair value. Samsung Fire & Marine Insurance itself currently trades above fair value. An expensive market is no reason to stay out and no reason to buy everything at once: keep a broad savings plan running, buy single stocks only with money you can do without, and hold part of your money liquid while the market is high. The full picture including sectors is on is it worth investing now.
What is the share price of Samsung Fire & Marine Insurance (000810)?
The closing price on Nov 5, 2026 was 652,000 KRW. Our model-based fair value is 524,057 KRW, about 20% lower (overvalued). We carry closing prices from our data provider, not a live tick.
What should I pay attention to with Samsung Fire & Marine Insurance right now?
Solid but not exceptional quality (56/100) and above fair value, neither a clear bargain nor a standout compounder. For a financial, book-value and earnings-based methods matter more than a cash-flow DCF, which fits banks and insurers poorly.
Key figures of Samsung Fire & Marine Insurance
How large is the market capitalisation of Samsung Fire & Marine Insurance (000810)?
The market capitalisation of Samsung Fire & Marine Insurance is 26.0T KRW (≈ $19.1B). The stock-market value of the whole company: share price times number of shares. It is what the market asks for the entire business today.
What is the P/S ratio of Samsung Fire & Marine Insurance (000810)?
The price-to-sales ratio of Samsung Fire & Marine Insurance is 1.22 (last twelve months). Price to sales: market value relative to yearly revenue. Useful when profit is thin or distorted.
What are the earnings per share of Samsung Fire & Marine Insurance (000810)?
Earnings per share at Samsung Fire & Marine Insurance are 45,429 KRW (price ÷ EPS = P/E 13.3). Earnings per share over the last twelve months: total profit spread across every single share.
What is the dividend yield of Samsung Fire & Marine Insurance (000810)?
The dividend yield of Samsung Fire & Marine Insurance is 3.0% (payout 42.9%). Yearly dividend relative to the share price. 3% pays 3 per 100 invested. Below: how much of profit is used for it.
What is the net margin of Samsung Fire & Marine Insurance (000810)?
The net margin of Samsung Fire & Marine Insurance is 10.1% (last twelve months). How much of every unit of revenue ends up as profit. 10% means 10 cents of profit per dollar of sales.
What is the return on equity of Samsung Fire & Marine Insurance (000810)?
The return on equity (ROE) of Samsung Fire & Marine Insurance is 8.1% (last twelve months). Profit relative to shareholders' equity, how efficiently the company works with its owners' money.
What is the EBIT return on assets of Samsung Fire & Marine Insurance (000810)?
On an EBIT basis the return on assets of Samsung Fire & Marine Insurance is 1.8% (avg 5y). Operating profit (EBIT) relative to everything the company owns, as a multi-year average. It describes the business model rather than one good or bad year.
What is the operating margin of Samsung Fire & Marine Insurance (000810)?
The operating margin of Samsung Fire & Marine Insurance is 17.1% (last twelve months). Profit from the core business (before interest and taxes) relative to revenue.
How fast is revenue growing at Samsung Fire & Marine Insurance (000810)?
Revenue at Samsung Fire & Marine Insurance is growing −11.7% versus a year earlier (3y avg −2.2%). How much revenue grew versus a year earlier (YoY). The 3-year average next to it puts the single year in context.
How fast are earnings growing at Samsung Fire & Marine Insurance (000810)?
Earnings per share at Samsung Fire & Marine Insurance are growing +8.4% versus a year earlier. How much earnings per share grew versus a year earlier.
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Broad data
Nov 3, 2026