Lotte Non - Life Insurance Co (000400) Fair Value & Analysis
Financial Services · KR · Market cap 594B KRW
Fair value as of: Jun 26, 2026
From 15 valuation models · updated 3 days ago
Share price −24.3% over the past month.
Price vs Fair Value (12 months)
12‑month range 1,540 KRW – 2,638 KRW · fair‑value band 1,619 KRW – 2,698 KRW · the 1,674 KRW price screens below the 2,159 KRW fair value. As of Jun 26, 2026.
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Lotte Non - Life Insurance Co (000400) currently trades at 1,674 KRW, while our model-based Fair Value estimate is 2,159 KRW — implying the stock looks roughly 29.0% undervalued today. We read business quality at 95/100 (high 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, Lotte Non - Life Insurance Co generated revenue of 2.8T KRW at a net margin of 0.7%. Revenue declined 3.9% year over year. It earns a return on equity of 3.4%. Net debt stands at 2.2T KRW. Fundamentals as of Jun 26, 2026
Key figures & financial health
More key figures
Figures from reported company fundamentals (EODHD) · as of Jun 26, 2026. TTM = trailing twelve months.
About the company
Lotte Non - Life Insurance Co., Ltd. is engaged in non-life insurance and reinsurance and insurance payment in South Korea. The company offers automobile, fire, casualty, long-term, marine, and retirement insurance products, as well as reinsurance products. It provides its products through professional Lotte consultants, bancassurance channels, and financial centers. The company was founded in 1946 and is based in Seoul, South Korea. Lotte Non - Life Insurance Co., Ltd. is a subsidiary of Victura Limited.
Revenue & earnings trend
FY2021 – FY2025 · reported fiscal years
Lotte Non - Life Insurance Co reported revenue of 2.5T KRW in FY2025 versus 2.3T KRW in FY2021, a compound +2.8%/yr. Reported net income was 51.3B KRW in FY2025, compounding −19.1%/yr from FY2021.
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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.
Educational research only · not financial advice · no buy/sell recommendation. Model-based estimates are not certainties; their reliability depends on data quality and assumptions.