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Heungkuk Fire&Marine Insurance Co (000540) Fair Value & Analysis

Financial Services · KR · Market cap 234B KRW

Price3,070 KRW
Fair Value2,624 KRW
Upside-14.5%
Quality95/100
Evidence: High Range 1,968 KRW – 3,280 KRW

Fair value as of: Jun 26, 2026

Analysis

Heungkuk Fire&Marine Insurance Co (000540) currently trades at 3,070 KRW, while our model-based Fair Value estimate is 2,624 KRW — implying the stock looks roughly 14.5% overvalued today. We read business quality at 95/100 (high quality), in the Financial Services sector. Bear case: priced above our estimate, the market already discounts strong expectations. Bull case: above-average quality can justify a premium — the entry price still matters most (evidence: high).

About the company

Heungkuk Fire&Marine Insurance Co., Ltd. engages in non-life insurance business. The company offers medical/health, children's, driver/accident, pension/savings, fire/property, car, and travel insurance products; and marine and special insurance, as well as long-term damage such as disease, injury, and property damage. It also provides loan products; and engages in reinsurance business. The company was formerly known as Heungkuk Ssangyong Fire & Marine Insurance Co., Ltd. and changed its name to Heungkuk Fire&Marine Insurance Co., Ltd. in 2009. Heungkuk Fire&Marine Insurance Co., Ltd. was founded in 1948 and is headquartered in Seoul, South Korea.

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Frequently asked questions

Is Heungkuk Fire&Marine Insurance Co (000540) undervalued?
As of Jun 26, 2026, our model estimates a fair value of 2,624 KRW versus a price of 3,070 KRW — about −15% (overvalued). Model-based estimate, not financial advice.
What is the fair value of 000540?
Our 21-model fair value for Heungkuk Fire&Marine Insurance Co is 2,624 KRW (as of Jun 26, 2026), built from audited fundamentals. The current price is 3,070 KRW.
What is the quality score of 000540?
Heungkuk Fire&Marine Insurance Co has a Quality Score of 95/100, measuring profitability, growth and balance-sheet strength from non-valuation factors.

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.