Hanwha General (000370) fair value: what the stock is really worth
As of Sep 23, 2026: fair value of Hanwha General KRW 15,220, price KRW 7,610, upside +100.0%, quality 54 out of 100. Calculated from audited financials with 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, dashed = 300-day average. As of Sep 24, 2026.
How to read this chart
60‑month range 3,318 KRW – 9,300 KRW · fair‑value band 13,545 KRW – 26,134 KRW · the 7,610 KRW price screens below the 15,220 KRW fair value. Green steps = our fair value per fiscal year (point-in-time, no hindsight). Dashed = 300-day average. As of Sep 24, 2026.
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Hanwha General Insurance Co., Ltd. provides insurance services in South Korea. The company offers long-term insurance, including injury, diseases, property damage, liability, and annuity; automobile insurance products comprising casualty and property; and fire insurance products. Hanwha General Insurance Co., Ltd.
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Hanwha General Insurance Co., Ltd. provides insurance services in South Korea. The company offers long-term insurance, including injury, diseases, property damage, liability, and annuity; automobile insurance products comprising casualty and property; and fire insurance products. Hanwha General Insurance Co., Ltd. was founded in 1946 and is headquartered in Seoul, South Korea. Hanwha General Insurance Co., Ltd. is a subsidiary of Hanwha Life Insurance Co., Ltd.
Stock analysis
Hanwha General (000370) currently trades at 7,610 KRW, while our model-based Fair Value estimate is 15,220 KRW, implying the stock looks roughly 50.0% undervalued today.
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Valuation
Bull case: the Multiples group reads highest at a median of 32,325 KRW per share, and 4 of the 6 models we run sit above the 7,610 KRW price.
Bear case: the Dividend Discount group reads lowest at 1,568 KRW, and 2 of the 6 models stay below the price. Evidence for this calculation is medium.
Scenario range: 13,545 KRW (bear) to 26,134 KRW (bull), the price of 7,610 KRW sits below 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 54/100 (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.
Hanwha General reported revenue of 5.5T KRW in FY2024 versus 5.5T KRW in FY2020, a compound +0.1%/yr. Reported net income was 299B KRW in FY2025, compounding +25.1%/yr from FY2021.
Key figures
Market cap 880B KRW (≈ $647M) · P/S ratio 0.10 · Dividend yield 2.2% · Net margin 4.1% · Return on equity 9.5% · Return on assets (EBIT) 0.9% · Operating margin 4.8% · Revenue (TTM) 6.6T KRW.
Competitive moat
Our AI-assisted moat analysis scores the competitive advantage at 46 out of 100 (low confidence).
What moves the price
The share trades about 18% 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 −10% fair-value upside, at 100%, 000370 screens cheaper than that median.
Fair Value models
Bear 13,545 KRWFair Value 15,220 KRWBull 26,134 KRW
Model ⓘEach model values the company its own way (discounted cash flow, earnings, assets, dividends). The fair value above is their evidence-weighted blend, not the output of a single model.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.Evidence ⓘEvidence = 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
+9.1%
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.
+0.0%
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.
−6.9%
Revenue growth 19 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.
+10.9%
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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.
+29.1%
Earnings growth per share plus dividend.
Earnings per share, growth per year+26.9%
Dividend (yield on the price)2.2%
Profit margin 2014 to 2019 ⓘOperating margin then vs now, from reported annual statements. A falling margin after a boom year is the classic peak-earnings signal: the growth rate then leans on an inflated base.1% → −1%
⚠ Revenue per share shrinking 7.2%/yr over ~5Y (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.
Price, fair value, quality and upside side by side.
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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 · 119 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). "Hanwha General Fair Value". https://www.fairvalue-calculator.com/stock/000370
Frequently asked questions
Is Hanwha General (000370) overvalued or undervalued?
As of Sep 24, 2026, our model estimates a fair value of 15,220 KRW versus a price of 7,610 KRW, about +100% upside (undervalued).
What is the fair value of 000370?
Our model-based fair value for Hanwha General is 15,220 KRW (as of Sep 24, 2026), built from audited fundamentals. The current price: 7,610 KRW.
What is the quality score of 000370?
Hanwha General has a Quality Score of 54/100. 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 Hanwha General (000370)?
Our model-based price target is the fair value of 15,220 KRW (as of Sep 24, 2026) from 6 valuation models. Cautious scenario 13,545 KRW, optimistic scenario 26,134 KRW. It is a calculation from audited fundamentals, not an analyst target.
What is the Hanwha General stock forecast for 2026?
Our models put fair value at 15,220 KRW, about +100% upside versus a price of 7,610 KRW (undervalued). Cautious scenario 13,545 KRW, optimistic scenario 26,134 KRW. The calculation is refreshed regularly with new filings.
What is the revenue of Hanwha General (000370)?
Hanwha General reported trailing-twelve-month revenue of about 6.6T KRW (latest available figure, as of Sep 24, 2026).
Does Hanwha General pay a dividend?
Hanwha General currently shows a dividend yield of about 2.23% relative to its recent price (as of Sep 24, 2026).
What is the intrinsic value of Hanwha General (000370)?
Intrinsic value and fair value mean the same thing: what the business is worth on its numbers, independent of the share price. For Hanwha General it is 15,220 KRW per share (as of Sep 24, 2026), against a price of 7,610 KRW. It is the blended result of 6 valuation models (cash flow, earnings, asset, dividend).
Is Hanwha General stock overvalued or undervalued in 2026?
As of Sep 24, 2026, 000370 trades below its calculated fair value: price 7,610 KRW, fair value 15,220 KRW, a gap of about +100% (undervalued). 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 000370?
No. The price is what the market pays today (7,610 KRW); the fair value is what the company's own numbers justify (15,220 KRW). For Hanwha General the two are 7,610 KRW per share apart. That gap is exactly why we show both numbers side by side.
How much is Hanwha General worth?
The market values Hanwha General at about 880B KRW (market capitalisation, as of Sep 24, 2026). Per share that is 7,610 KRW; our models calculate a fair value of 15,220 KRW per share.
What do the bullish and bearish scenarios say about 000370?
Our models span a range for Hanwha General: cautious scenario 13,545 KRW, base 15,220 KRW, optimistic 26,134 KRW per share (as of Sep 24, 2026, price 7,610 KRW). The range comes from different growth and margin assumptions, not from analyst opinions.
How solid is the balance sheet of Hanwha General (000370)?
Balance-sheet figures for Hanwha General (as of Sep 24, 2026): return on equity 9.5%, debt of 0.22 per unit of equity. They feed the Quality Score of 54/100, which measures business quality independently of the share price.
How far is 000370 from its 52-week high?
Hanwha General trades at 7,610 KRW, about 18% below its 52-week high of 9,300 KRW and 49% above the low of 5,100 KRW (as of Sep 23, 2026). Distance from the high says nothing about value: that is what the fair value of 15,220 KRW is for.
Which stocks are comparable to Hanwha General?
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 Hanwha General stock attractive at the current price?
The data as of Sep 24, 2026: price 7,610 KRW, calculated fair value 15,220 KRW (+100%), Quality Score 54/100, 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 000370 calculated?
We run Hanwha General 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 15,220 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 13.0 % above its aggregate fair value. Hanwha General currently trades 100 % below its own fair value, and the market average says nothing about that. 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 Hanwha General (000370)?
The closing price on Sep 23, 2026 was 7,610 KRW. Our model-based fair value is 15,220 KRW, about +100% upside (undervalued). We carry closing prices from our data provider, not a live tick.
What should I pay attention to with Hanwha General right now?
The price is below even our cautious bear case (13,545 KRW). The market is more pessimistic than our downside scenario. Solid quality (54/100) at a price below fair value, the discount is the argument here, not the business quality. A fairly wide model range (13,545 KRW to 26,134 KRW) leaves room in how you read the outcome. 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 Hanwha General
How large is the market capitalisation of Hanwha General (000370)?
The market capitalisation of Hanwha General is 880B KRW (≈ $647M). 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 Hanwha General (000370)?
The price-to-sales ratio of Hanwha General is 0.10 (last twelve months). Price to sales: market value relative to yearly revenue. Useful when profit is thin or distorted.
What is the dividend yield of Hanwha General (000370)?
The dividend yield of Hanwha General is 2.2%. 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 Hanwha General (000370)?
The net margin of Hanwha General is 4.1% (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 Hanwha General (000370)?
The return on equity (ROE) of Hanwha General is 9.5% (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 Hanwha General (000370)?
On an EBIT basis the return on assets of Hanwha General is 0.9% (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 Hanwha General (000370)?
The operating margin of Hanwha General is 4.8% (last twelve months). Profit from the core business (before interest and taxes) relative to revenue.
How fast is revenue growing at Hanwha General (000370)?
Revenue at Hanwha General is growing +15.7% versus a year earlier (3y avg 0.0%). 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 Hanwha General (000370)?
Earnings per share at Hanwha General are growing −23.6% versus a year earlier. How much earnings per share grew versus a year earlier.
How much free cash flow does Hanwha General (000370) generate?
The free cash flow of Hanwha General is 1.5T KRW (fiscal year 2024). The cash truly left after running and investing in the business, this is what pays dividends and buybacks.
How much net debt does Hanwha General (000370) carry?
The net debt of Hanwha General is 299B KRW (fiscal year 2024, ≈ 0.2 yrs of FCF). Debt minus cash on hand. The note shows how many years of free cash flow could in theory pay it off.
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