Hyundai Mar&Fi (001450) fair value: what the stock is really worth
As of Sep 23, 2026: fair value of Hyundai Mar&Fi KRW 95,100, price KRW 47,550, upside +100.0%, quality 56 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 18,951 KRW – 53,500 KRW · fair‑value band 71,325 KRW – 118,875 KRW · the 47,550 KRW price screens below the 95,100 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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Hyundai Marine & Fire Insurance Co., Ltd. provides non-life insurance and other related insurance services in South Korea and internationally. The company offers automobile/driver, health/child, property, annuity/savings, fire, marine, accident, engineering, workers' compensation, and liability insurance products.
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Hyundai Marine & Fire Insurance Co., Ltd. provides non-life insurance and other related insurance services in South Korea and internationally. The company offers automobile/driver, health/child, property, annuity/savings, fire, marine, accident, engineering, workers' compensation, and liability insurance products. It also engages in the building and facility management, asset management, investment advisory, reinsurance brokerage, and claims service businesses. The company was formerly known as Dongbang Fire & Marine Insurance Co., Ltd. and changed its name to Hyundai Marine & Fire Insurance Co. Ltd. in October 1985. Hyundai Marine & Fire Insurance Co., Ltd. was incorporated in 1955 and is headquartered in Seoul, South Korea.
Stock analysis
Hyundai Mar&Fi (001450) currently trades at 47,550 KRW, while our model-based Fair Value estimate is 95,100 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 167,166 KRW per share, and 1 of the 3 models we run sit above the 47,550 KRW price.
Bear case: the Dividend Discount group reads lowest at 28,739 KRW, and 2 of the 3 models stay below the price. Evidence for this calculation is medium.
Scenario range: 71,325 KRW (bear) to 118,875 KRW (bull), the price of 47,550 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 56/100 (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.
Hyundai Mar&Fi reported revenue of 15.4T KRW in FY2025 versus 15.4T KRW in FY2021, a compound 0.0%/yr. Reported net income was 1.0T KRW in FY2025, compounding +23.9%/yr from FY2021.
Key figures
Market cap 3.7T KRW (≈ $2.6B) · P/S ratio 0.19 · Dividend yield 5.4% · Net margin 6.6% · Return on equity 21.9% · Return on assets (EBIT) 1.5% · Operating margin 1.5% · Revenue (TTM) 16.1T KRW.
Competitive moat
Our AI-assisted moat analysis scores the competitive advantage at 32 out of 100 (medium confidence).
What moves the price
The share trades about 11% below its 52-week high and 80% above its 52-week low, currently above its 200-day average.
For context, the median of 10 Financial Services peers we cover trades at −12% fair-value upside, at 100%, 001450 screens cheaper than that median.
Fair Value models
Bear 71,325 KRWFair Value 95,100 KRWBull 118,875 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
+8.3%
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.
−2.3%
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.
+0.9%
Start year 2020 (pandemic). Over 10 years: +2.1% a year
Revenue growth 26 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.
+7.9%
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What shareholders gained per year (last 5 years), in KRW (mathematically smoothed) ⓘ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. Smoothed = median of all growth paths between the years of the window (trend line on the logarithm of earnings per share): a single extreme year cannot distort the rate. The reported figure stays in the tooltip. 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.
+30.7%
Earnings growth per share plus dividend.
Earnings per share, growth per year+25.3%
Dividend (yield on the price)5.4%
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.3% → 3%
2025 sits 78% above its own trend. The rate follows the median trend of the last 5 years, not that single year.
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
Beats the industry median on 4/9 measures
A mixed picture versus its industry peers.
Valuation
Quality Score55 · Below median
Fair Value upside+100% · Top 25%
Profitability
Return on equity (TTM)Negative equity ⓘThe company's equity is below zero, for example after large share buybacks. A ratio to negative equity has no meaning, so we show no number here and do not rank it against the peer group.
Return on assets2% · Below median
Net margin (TTM)7% · Below median
Operating margin (TTM)1% · Bottom 25%
Growth and dividend
Revenue growth1% · Below median
Dividend yield (TTM)5.4% · Top 25%
Balance sheet
Debt / equityNegative equity ⓘThe company's equity is below zero, for example after large share buybacks. A ratio to negative equity has no meaning, so we show no number here and do not rank it against the peer group.
P/BNegative equity ⓘThe company's equity is below zero, for example after large share buybacks. A ratio to negative equity has no meaning, so we show no number here and do not rank it against the peer group.
P/FCF0.0× · Cheapest 25%
EV/EBITDA1.0× · Cheapest 25%
Strength profile in five axes (Snowflake)
This stockSector peers
VALUE (fair-value potential)100· sector 20
FUTURE (revenue growth)6· sector 32
PAST (return on equity)0· sector 56
HEALTH (low debt)0· sector 91
DIVIDEND (yield)100· sector 50
PAST 0: with negative equity (buybacks among others) return on equity is not meaningfully computable.
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). "Hyundai Mar&Fi Fair Value". https://www.fairvalue-calculator.com/stock/001450
Frequently asked questions
Is Hyundai Mar&Fi (001450) overvalued or undervalued?
As of Sep 24, 2026, our model estimates a fair value of 95,100 KRW versus a price of 47,550 KRW, about +100% upside (undervalued).
What is the fair value of 001450?
Our model-based fair value for Hyundai Mar&Fi is 95,100 KRW (as of Sep 24, 2026), built from audited fundamentals. The current price: 47,550 KRW.
What is the quality score of 001450?
Hyundai Mar&Fi has a Quality Score of 56/100. 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 Hyundai Mar&Fi (001450)?
Our model-based price target is the fair value of 95,100 KRW (as of Sep 24, 2026) from 3 valuation models. Cautious scenario 71,325 KRW, optimistic scenario 118,875 KRW. It is a calculation from audited fundamentals, not an analyst target.
What is the Hyundai Mar&Fi stock forecast for 2026?
Our models put fair value at 95,100 KRW, about +100% upside versus a price of 47,550 KRW (undervalued). Cautious scenario 71,325 KRW, optimistic scenario 118,875 KRW. The calculation is refreshed regularly with new filings.
What is the revenue of Hyundai Mar&Fi (001450)?
Hyundai Mar&Fi reported trailing-twelve-month revenue of about 16.1T KRW (latest available figure, as of Sep 24, 2026).
Does Hyundai Mar&Fi pay a dividend?
Hyundai Mar&Fi currently shows a dividend yield of about 5.42% relative to its recent price (as of Sep 24, 2026).
What is the intrinsic value of Hyundai Mar&Fi (001450)?
Intrinsic value and fair value mean the same thing: what the business is worth on its numbers, independent of the share price. For Hyundai Mar&Fi it is 95,100 KRW per share (as of Sep 24, 2026), against a price of 47,550 KRW. It is the blended result of 3 valuation models (cash flow, earnings, asset, dividend).
Is Hyundai Mar&Fi stock overvalued or undervalued in 2026?
As of Sep 24, 2026, 001450 trades below its calculated fair value: price 47,550 KRW, fair value 95,100 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 001450?
No. The price is what the market pays today (47,550 KRW); the fair value is what the company's own numbers justify (95,100 KRW). For Hyundai Mar&Fi the two are 47,550 KRW per share apart. That gap is exactly why we show both numbers side by side.
How much is Hyundai Mar&Fi worth?
The market values Hyundai Mar&Fi at about 3.7T KRW (market capitalisation, as of Sep 24, 2026). Per share that is 47,550 KRW; our models calculate a fair value of 95,100 KRW per share.
What do the bullish and bearish scenarios say about 001450?
Our models span a range for Hyundai Mar&Fi: cautious scenario 71,325 KRW, base 95,100 KRW, optimistic 118,875 KRW per share (as of Sep 24, 2026, price 47,550 KRW). The range comes from different growth and margin assumptions, not from analyst opinions.
How solid is the balance sheet of Hyundai Mar&Fi (001450)?
Balance-sheet figures for Hyundai Mar&Fi (as of Sep 24, 2026): negative equity, so no return on equity and no debt-to-equity ratio. They feed the Quality Score of 56/100, which measures business quality independently of the share price.
How far is 001450 from its 52-week high?
Hyundai Mar&Fi trades at 47,550 KRW, about 11% below its 52-week high of 53,500 KRW and 80% above the low of 26,450 KRW (as of Sep 23, 2026). Distance from the high says nothing about value: that is what the fair value of 95,100 KRW is for.
Which stocks are comparable to Hyundai Mar&Fi?
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 Hyundai Mar&Fi stock attractive at the current price?
The data as of Sep 24, 2026: price 47,550 KRW, calculated fair value 95,100 KRW (+100%), Quality Score 56/100, from 3 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 001450 calculated?
We run Hyundai Mar&Fi through 3 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 95,100 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 14.1 % above its aggregate fair value. Hyundai Mar&Fi 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 Hyundai Mar&Fi (001450)?
The closing price on Sep 23, 2026 was 47,550 KRW. Our model-based fair value is 95,100 KRW, about +100% upside (undervalued). We carry closing prices from our data provider, not a live tick.
What should I pay attention to with Hyundai Mar&Fi right now?
The price is below even our cautious bear case (71,325 KRW). The market is more pessimistic than our downside scenario. Solid quality (56/100) 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 Hyundai Mar&Fi
How large is the market capitalisation of Hyundai Mar&Fi (001450)?
The market capitalisation of Hyundai Mar&Fi is 3.7T KRW (≈ $2.6B). 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 Hyundai Mar&Fi (001450)?
The price-to-sales ratio of Hyundai Mar&Fi is 0.19 (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 Hyundai Mar&Fi (001450)?
The dividend yield of Hyundai Mar&Fi is 5.4%. 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 Hyundai Mar&Fi (001450)?
The net margin of Hyundai Mar&Fi is 6.6% (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 Hyundai Mar&Fi (001450)?
The return on equity (ROE) of Hyundai Mar&Fi is 21.9% (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 Hyundai Mar&Fi (001450)?
On an EBIT basis the return on assets of Hyundai Mar&Fi is 1.5% (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 Hyundai Mar&Fi (001450)?
The operating margin of Hyundai Mar&Fi is 1.5% (last twelve months). Profit from the core business (before interest and taxes) relative to revenue.
How fast is revenue growing at Hyundai Mar&Fi (001450)?
Revenue at Hyundai Mar&Fi is growing +1.1% versus a year earlier (3y avg −2.3%). 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 Hyundai Mar&Fi (001450)?
Earnings per share at Hyundai Mar&Fi are growing +16.0% versus a year earlier. How much earnings per share grew versus a year earlier.
How much free cash flow does Hyundai Mar&Fi (001450) generate?
The free cash flow of Hyundai Mar&Fi is 3.5T KRW (fiscal year 2025). The cash truly left after running and investing in the business, this is what pays dividends and buybacks.
How much net debt does Hyundai Mar&Fi (001450) carry?
The net debt of Hyundai Mar&Fi is 1.5T KRW (fiscal year 2025, ≈ 0.4 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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