Samsung Fire And Marine Ins Pref (000815) fair value: what the stock is really worth
We calculate from audited financials what Samsung Fire And Marine Ins Pref is really worth. The fair value tells you whether the price is too high or too low, the quality score (0 to 100) how solid the business behind it is. 26 models, 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 13, 2026.
How to read this chart
60‑month range 107,069 KRW – 441,500 KRW · fair‑value band 523,805 KRW – 873,008 KRW · the 422,500 KRW price screens below the 698,407 KRW fair value. Green steps = our fair value per fiscal year (point-in-time, no hindsight). Dashed = 300-day average. As of Sep 13, 2026.
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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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. 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 And Marine Ins Pref (000815) currently trades at 422,500 KRW, while our model-based Fair Value estimate is 698,407 KRW, implying the stock looks roughly 39.5% undervalued today.
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Valuation
Bull case: the Multiples group reads highest at a median of 658,771 KRW per share, and 3 of the 4 models we run sit above the 422,500 KRW price.
Bear case: the Asset-Based group reads lowest at 357,603 KRW, and 1 of the 4 models stay below the price. Evidence for this calculation is medium.
Scenario range: 523,805 KRW (bear) to 873,008 KRW (bull), the price of 422,500 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 53/100 (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 And Marine Ins Pref 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 16.8T KRW (≈ $11.8B) · P/S ratio 0.80 · Dividend yield 4.6% · Net margin 9.8% · Return on equity 11.0% · Return on assets (EBIT) 1.9% · Operating margin 7.2% · Revenue (TTM) 21.8T KRW.
Competitive moat
Our AI-assisted moat analysis scores the competitive advantage at 47 out of 100 (low confidence).
What moves the price
The share trades about 6% below its 52-week high and 46% above its 52-week low, currently above its 200-day average.
For context, the median of 10 Financial Services peers we cover trades at −14% fair-value upside, at 65%, 000815 screens cheaper than that median.
Fair Value models
Bear 523,805 KRWFair Value 698,407 KRWBull 873,008 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
+9.4%
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%
Revenue growth 12 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.
+2.6%
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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.
+26.3%
Earnings growth per share plus dividend.
Earnings per share, growth per year+21.7%
Dividend (yield on the price)4.6%
Profit margin 2013 to 2018 ⓘ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.7% → 6%
⚠ Revenue per share shrinking 2.3%/yr over ~6Y (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).
−21.3%
Yearly growth needed for the next five years to justify today's price.
Compare Samsung Fire And Marine Ins Pref with another stock
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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
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Cite: Fair Value Calculator (2026). "Samsung Fire And Marine Ins Pref Fair Value". https://www.fairvalue-calculator.com/stock/000815.KO
Frequently asked questions
Is Samsung Fire And Marine Ins Pref (000815) overvalued or undervalued?
As of Sep 13, 2026, our model estimates a fair value of 698,407 KRW versus a price of 422,500 KRW, about +65% upside (undervalued).
What is the fair value of 000815?
Our model-based fair value for Samsung Fire And Marine Ins Pref is 698,407 KRW (as of Sep 13, 2026), built from audited fundamentals. The current price: 422,500 KRW.
What is the quality score of 000815?
Samsung Fire And Marine Ins Pref has a Quality Score of 53/100. 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 And Marine Ins Pref (000815)?
Our model-based price target is the fair value of 698,407 KRW (as of Sep 13, 2026) from 4 valuation models. Cautious scenario 523,805 KRW, optimistic scenario 873,008 KRW. It is a calculation from audited fundamentals, not an analyst target.
What is the Samsung Fire And Marine Ins Pref stock forecast for 2026?
Our models put fair value at 698,407 KRW, about +65% upside versus a price of 422,500 KRW (undervalued). Cautious scenario 523,805 KRW, optimistic scenario 873,008 KRW. The calculation is refreshed regularly with new filings.
What is the revenue of Samsung Fire And Marine Ins Pref (000815)?
Samsung Fire And Marine Ins Pref reported trailing-twelve-month revenue of about 21.8T KRW (latest available figure, as of Sep 13, 2026).
Does Samsung Fire And Marine Ins Pref pay a dividend?
Samsung Fire And Marine Ins Pref currently shows a dividend yield of about 4.62% relative to its recent price (as of Sep 13, 2026).
What growth is priced into Samsung Fire And Marine Ins Pref (000815)?
For today's price to be fair in a discounted-cash-flow model, Samsung Fire And Marine Ins Pref would have to grow free cash flow by -21.3 % 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 Sep 13, 2026.
What discount rate (WACC) does the fair value of 000815 use?
Our models discount Samsung Fire And Marine Ins Pref 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 And Marine Ins Pref that is -21.3 % 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 And Marine Ins Pref (000815) delivered so far?
Over the past 5 years revenue at Samsung Fire And Marine Ins Pref grew -0.8 % a year. The price currently implies -21.3 % 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 And Marine Ins Pref (000815) growing?
The median revenue growth in the sector is +8.2 % a year. That is the yardstick for the growth priced into Samsung Fire And Marine Ins Pref (-21.3 % 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 And Marine Ins Pref (000815)?
The free-cash-flow yield on the price is 19.89 %: that much free cash flow Samsung Fire And Marine Ins Pref 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 And Marine Ins Pref (000815)?
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 And Marine Ins Pref it is 698,407 KRW per share (as of Sep 13, 2026), against a price of 422,500 KRW. It is the blended result of 4 valuation models (cash flow, earnings, asset, dividend).
Is Samsung Fire And Marine Ins Pref stock overvalued or undervalued in 2026?
As of Sep 13, 2026, 000815 trades below its calculated fair value: price 422,500 KRW, fair value 698,407 KRW, a gap of about +65% (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 000815?
No. The price is what the market pays today (422,500 KRW); the fair value is what the company's own numbers justify (698,407 KRW). For Samsung Fire And Marine Ins Pref the two are 275,907 KRW per share apart. That gap is exactly why we show both numbers side by side.
How much is Samsung Fire And Marine Ins Pref worth?
The market values Samsung Fire And Marine Ins Pref at about 16.8T KRW (market capitalisation, as of Sep 13, 2026). Per share that is 422,500 KRW; our models calculate a fair value of 698,407 KRW per share.
What do the bullish and bearish scenarios say about 000815?
Our models span a range for Samsung Fire And Marine Ins Pref: cautious scenario 523,805 KRW, base 698,407 KRW, optimistic 873,008 KRW per share (as of Sep 13, 2026, price 422,500 KRW). The range comes from different growth and margin assumptions, not from analyst opinions.
How solid is the balance sheet of Samsung Fire And Marine Ins Pref (000815)?
Balance-sheet figures for Samsung Fire And Marine Ins Pref (as of Sep 13, 2026): return on equity 10.3%, debt of 0.02 per unit of equity. They feed the Quality Score of 53/100, which measures business quality independently of the share price.
How far is 000815 from its 52-week high?
Samsung Fire And Marine Ins Pref trades at 422,500 KRW, about 6% below its 52-week high of 449,603 KRW and 46% above the low of 290,220 KRW (as of Sep 13, 2026). Distance from the high says nothing about value: that is what the fair value of 698,407 KRW is for.
Which stocks are comparable to Samsung Fire And Marine Ins Pref?
From the same area (Financial Services) we also value The Progressive Corporation, Chubb Limited, 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 And Marine Ins Pref stock attractive at the current price?
The data as of Sep 13, 2026: price 422,500 KRW, calculated fair value 698,407 KRW (+65%), Quality Score 53/100, from 4 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 000815 calculated?
We run Samsung Fire And Marine Ins Pref through 4 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 698,407 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 15.8 % above its aggregate fair value. Samsung Fire And Marine Ins Pref currently trades 65 % 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 should I pay attention to with Samsung Fire And Marine Ins Pref right now?
The price is below even our cautious bear case (523,805 KRW). The market is more pessimistic than our downside scenario. Solid quality (53/100) 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.
Key figures of Samsung Fire And Marine Ins Pref
How large is the market capitalisation of Samsung Fire And Marine Ins Pref (000815)?
The market capitalisation of Samsung Fire And Marine Ins Pref is 16.8T KRW (≈ $11.8B). 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 And Marine Ins Pref (000815)?
The price-to-sales ratio of Samsung Fire And Marine Ins Pref is 0.80 (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 Samsung Fire And Marine Ins Pref (000815)?
The dividend yield of Samsung Fire And Marine Ins Pref is 4.6%. 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 And Marine Ins Pref (000815)?
The net margin of Samsung Fire And Marine Ins Pref is 9.8% (fiscal year 2025). 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 And Marine Ins Pref (000815)?
The return on equity (ROE) of Samsung Fire And Marine Ins Pref is 11.0% (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 And Marine Ins Pref (000815)?
On an EBIT basis the return on assets of Samsung Fire And Marine Ins Pref is 1.9% (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 Samsung Fire And Marine Ins Pref (000815)?
The operating margin of Samsung Fire And Marine Ins Pref is 7.2% (last twelve months). Profit from the core business (before interest and taxes) relative to revenue.
How fast is revenue growing at Samsung Fire And Marine Ins Pref (000815)?
Revenue at Samsung Fire And Marine Ins Pref is growing +4.9% 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 And Marine Ins Pref (000815)?
Earnings per share at Samsung Fire And Marine Ins Pref are growing +6.2% versus a year earlier. How much earnings per share grew versus a year earlier.
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