Hanwha General Insurance Co (000370) Fair Value & Analysis
Financial Services · KR · Market cap 645B KRW
Fair value as of: Jul 22, 2026
From 6 valuation models · updated 20 days ago
Fair value updated Jul 22, 2026, revised from 11,980 KRW to 11,100 KRW (−7.3%) since Jun 26, 2026. Share price −2.0% over the past month.
A solid business, screening 84% undervalued on our models.
What matters now
- The price is below even our cautious bear case (8,325 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.
- For a financial, book-value and earnings-based methods matter more than a cash-flow DCF, which fits banks and insurers poorly.
Price vs Fair Value (5 years)
White line = price, green steps = our fair value per fiscal year, dashed = 300-day average. As of Jul 22, 2026.
How to read this chart
60‑month range 3,318 KRW – 9,300 KRW · fair‑value band 8,325 KRW – 13,875 KRW · the 6,030 KRW price screens below the 11,100 KRW fair value. Green steps = our fair value per fiscal year (point-in-time, no hindsight). Dashed = 300-day average. As of Jul 22, 2026.
Analysis
Hanwha General Insurance Co (000370) currently trades at 6,030 KRW, while our model-based Fair Value estimate is 11,100 KRW, implying the stock looks roughly 84.1% undervalued today. The Quality Score stands at 54/100 (solid quality), in the Financial Services sector. Bull case: trading below our estimate, it may offer upside if the fundamentals hold. Bear case: a low price can be a value trap when quality is weak or the data is thin (evidence: high), always confirm before acting.
Over the trailing twelve months, Hanwha General Insurance Co generated revenue of 6.3T KRW at a net margin of 4.7%. Revenue grew 10.1% year over year. It earns a return on equity of 10.3%. Net debt stands at 299B KRW. Fundamentals as of Jul 22, 2026
Our scenario range runs from 8,325 KRW (bear case) to 13,875 KRW (bull case); at 6,030 KRW, the current price sits below that range. Bear and bull are the same models run on conservative and optimistic assumptions (margins, growth, valuation multiples), so a plausible valuation range, not a price target. The share trades about 44% below its 52-week high and 18% above its 52-week low, currently below its 200-day average. For context, the median of 10 Financial Services peers we cover trades at 8% fair-value upside, at 84%, 000370 screens cheaper than that median.
Fair Value models
Each model estimates fair value its own way; the Fair Value above is the evidence-weighted blend. Evidence (0–100) measures how completely this model’s inputs are available: well-fed models carry more weight in the blend. The spread across models is intentional, each one stresses a different value driver; dividend models, for instance, come out structurally low when payout is small.
All 6 models by family
Widest divergence: Multiples (32,325 KRW) versus Dividend Discount (2,108 KRW). Highest evidence: Residual Income (76).
Notify me when 000370 reaches fair value
Free. You confirm by email (double opt-in) and can unsubscribe anytime in one click.
Key figures & financial health
More key figures
Figures from reported company fundamentals · as of Jul 22, 2026. TTM = trailing twelve months.
Quality Score breakdown
Of which business quality 51 · Market factors (momentum, volatility) 33
Non-valuation factor families (profitability, growth, cashflow, financial strength, momentum …), each academically grounded. Valuation itself sits in the Fair Value and is deliberately excluded here to avoid double-counting.
About the company
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.
Full company description
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.
Company description, as reported by the company or data provider.
Revenue & earnings trend
FY2020 – FY2025 · reported fiscal years
Hanwha General Insurance Co 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.
Watch 000370: get an alert when its fair value changes →
Peer Group
Insurance - Property & Casualty · 120 stocks
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.
Valuation Multiples vs Insurance - Property & Casualty median · lower = cheaper
Snowflake
Five quick dimensions, each 0 to 100: VALUE (fair-value potential), FUTURE (revenue growth), PAST (return on equity), HEALTH (low debt), DIVIDEND (yield). Green = this stock, grey = typical sector peer.
Insider activity: 40/100
Values & ESG
Does this company touch areas you may want to avoid? The classification is inferred from sector and industry.
ESG scores are not available for this stock yet. Values and ESG data are contextual and can differ between providers.
Similar stocks
10 more Insurance - Property & Casualty stocks, each showing price versus our Fair Value estimate (as of Jul 22, 2026).
| Stock | Price | Fair Value | vs Fair Value |
|---|---|---|---|
| The Progressive Corporation PGR | $234.48 | $252.50 | +8% |
| Chubb Limited CB | $337.44 | $345.56 | +2% |
| The Travelers Companies, Inc TRV | $368.98 | $384.42 | +4% |
| The Allstate Corporation ALL | $251.61 | $503.22 | +100% |
| The People's Insurance Company 601319 | ¥7.06 | ¥13.71 | +94% |
| Intact Financial Corporation IFC | C$294.02 | C$247.44 | -16% |
| Fairfax Financial Holdings FFH | C$2,327 | C$3,252 | +40% |
| QBE Insurance Group QBE | A$25.47 | A$19.42 | -24% |
| Samsung Fire & Marine Insurance Co 000810 | 648,000 KRW | 658,771 KRW | +2% |
| Powszechny Zaklad Ubezpieczen SA PZU | 69.80 PLN | 100.85 PLN | +44% |
Compare Hanwha General Insurance Co with another stock
Price, fair value, quality and upside side by side.
Explore undervalued stocks
More undervalued Financial Services stocks →
Frequently asked questions
Is Hanwha General Insurance Co (000370) overvalued or undervalued?
What is the fair value of 000370?
What is the quality score of 000370?
What is the revenue of Hanwha General Insurance Co (000370)?
What is the net profit margin of 000370?
How we calculate Fair Value
Each company is valued through a stack of independent intrinsic-value models (DCF variants, residual-income, multiples and more), blended into one family-balanced consensus and weighted by how much trustworthy data backs it. A separate quality layer scores the fundamentals. Every input is real reported data, nothing guessed.
Track Hanwha General Insurance Co and try Pro for 14 days
One email gets you 14 days of full Pro (review alerts, the 35,000+ stock screener, the diversification check) plus the monthly Top-25 report of the most undervalued quality stocks. No card, cancel anytime.
Zero risk: nothing is ever charged. After 14 days you decide whether to stay.