DB Insurance Co Ltd (005830) fair value: what the stock is really worth
As of Sep 23, 2026: fair value of DB Insurance Co Ltd KRW 315,443, price KRW 184,600, upside +70.9%, quality 40 out of 100. Calculated from audited financials with 26 valuation models and 37 quality factors, updated daily.
Watch DB Insurance Co Ltd for free, get notified when fair value or trend changes. Plus fair value for all 35,000+ stocks, 14 days of Pro free, no card.Watch for freePro now: $1 first month
69 individual criteria per stock, every one traceableSee the method →
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 35,420 KRW – 203,000 KRW · fair‑value band 236,582 KRW – 394,303 KRW · the 184,600 KRW price screens below the 315,443 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.
Follow DB Insurance Co in your weekly email
Every Wednesday you see whether DB Insurance Co is on track or worth a review, plus price against fair value. Free, up to 3 stocks.
We send you a confirmation link. Unsubscribe with one click.
DB Insurance Co., Ltd. provides various insurance products and services in South Korea. It offers automobile, fire, maritime, driver, travel, comprehensive, health, indemnity/dental, children's, pet, and long-term care insurance. The company was formerly known as Dongbu Insurance Co., Ltd. and changed its name to DB Insurance Co., Ltd. in November 2017.
Show more
DB Insurance Co., Ltd. provides various insurance products and services in South Korea. It offers automobile, fire, maritime, driver, travel, comprehensive, health, indemnity/dental, children's, pet, and long-term care insurance. The company was formerly known as Dongbu Insurance Co., Ltd. and changed its name to DB Insurance Co., Ltd. in November 2017. The company was founded in 1962 and is headquartered in Seoul, South Korea.
Stock analysis
DB Insurance Co Ltd (005830) currently trades at 184,600 KRW, while our model-based Fair Value estimate is 315,443 KRW, implying the stock looks roughly 41.5% undervalued today.
Show more
Valuation
Bull case: the Economic Profit group reads highest at a median of 264,789 KRW per share, and 3 of the 4 models we run sit above the 184,600 KRW price.
Bear case: the Asset-Based group reads lowest at 120,214 KRW, and 1 of the 4 models stay below the price. Evidence for this calculation is medium.
Scenario range: 236,582 KRW (bear) to 394,303 KRW (bull), the price of 184,600 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 40/100 (below-average quality), in the Financial Services sector.
Expensive Growth: The company is growing, but growth may require heavy reinvestment or weak cash conversion.
DB Insurance Co Ltd reported revenue of 18.7T KRW in FY2025 versus 17.5T KRW in FY2021, a compound +1.7%/yr. Reported net income was 1.8T KRW in FY2025, compounding +19.7%/yr from FY2021.
Key figures
Market cap 11.1T KRW (≈ $7.8B) · P/S ratio 0.41 · Dividend yield 4.1% · Net margin 9.6% · Return on equity 17.6% · Return on assets (EBIT) 1.7% · Operating margin 8.0% · Revenue (TTM) 21.0T 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 9% below its 52-week high and 61% above its 52-week low, currently above its 200-day average.
For context, the median of 10 Financial Services peers we cover trades at −23% fair-value upside, at 71%, 005830 screens cheaper than that median.
Fair Value models
Bear 236,582 KRWFair Value 315,443 KRWBull 394,303 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.36/100
The company is growing, but growth may require heavy reinvestment or weak cash conversion.
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.
+7.5%
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.
+2.5%
Start year 2020 (pandemic). Over 10 years: +3.0% 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.
+8.4%
’14
’15
’16
’17
’18
’19
’20
’21
’22
’23
’24
’25
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.
+30.3%
Earnings growth per share plus dividend.
Earnings per share, growth per year+26.2%
Dividend (yield on the price)4.1%
Profit margin 2014 to 2019 ⓘ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.4% → 2%
Price, fair value, quality and upside side by side.
Free, no sign-up
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
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). "DB Insurance Co Ltd Fair Value". https://www.fairvalue-calculator.com/stock/005830
Frequently asked questions
Is DB Insurance Co Ltd (005830) overvalued or undervalued?
As of Sep 24, 2026, our model estimates a fair value of 315,443 KRW versus a price of 184,600 KRW, about +71% upside (undervalued).
What is the fair value of 005830?
Our model-based fair value for DB Insurance Co Ltd is 315,443 KRW (as of Sep 24, 2026), built from audited fundamentals. The current price: 184,600 KRW.
What is the quality score of 005830?
DB Insurance Co Ltd has a Quality Score of 40/100. 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 DB Insurance Co Ltd (005830)?
Our model-based price target is the fair value of 315,443 KRW (as of Sep 24, 2026) from 4 valuation models. Cautious scenario 236,582 KRW, optimistic scenario 394,303 KRW. It is a calculation from audited fundamentals, not an analyst target.
What is the DB Insurance Co Ltd stock forecast for 2026?
Our models put fair value at 315,443 KRW, about +71% upside versus a price of 184,600 KRW (undervalued). Cautious scenario 236,582 KRW, optimistic scenario 394,303 KRW. The calculation is refreshed regularly with new filings.
What is the revenue of DB Insurance Co Ltd (005830)?
DB Insurance Co Ltd reported trailing-twelve-month revenue of about 21.0T KRW (latest available figure, as of Sep 24, 2026).
Does DB Insurance Co Ltd pay a dividend?
DB Insurance Co Ltd currently shows a dividend yield of about 4.12% relative to its recent price (as of Sep 24, 2026).
What is the intrinsic value of DB Insurance Co Ltd (005830)?
Intrinsic value and fair value mean the same thing: what the business is worth on its numbers, independent of the share price. For DB Insurance Co Ltd it is 315,443 KRW per share (as of Sep 24, 2026), against a price of 184,600 KRW. It is the blended result of 4 valuation models (cash flow, earnings, asset, dividend).
Is DB Insurance Co Ltd stock overvalued or undervalued in 2026?
As of Sep 24, 2026, 005830 trades below its calculated fair value: price 184,600 KRW, fair value 315,443 KRW, a gap of about +71% (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 005830?
No. The price is what the market pays today (184,600 KRW); the fair value is what the company's own numbers justify (315,443 KRW). For DB Insurance Co Ltd the two are 130,843 KRW per share apart. That gap is exactly why we show both numbers side by side.
How much is DB Insurance Co Ltd worth?
The market values DB Insurance Co Ltd at about 11.1T KRW (market capitalisation, as of Sep 24, 2026). Per share that is 184,600 KRW; our models calculate a fair value of 315,443 KRW per share.
What do the bullish and bearish scenarios say about 005830?
Our models span a range for DB Insurance Co Ltd: cautious scenario 236,582 KRW, base 315,443 KRW, optimistic 394,303 KRW per share (as of Sep 24, 2026, price 184,600 KRW). The range comes from different growth and margin assumptions, not from analyst opinions.
How solid is the balance sheet of DB Insurance Co Ltd (005830)?
Balance-sheet figures for DB Insurance Co Ltd (as of Sep 24, 2026): return on equity 16.1%, debt of 0.25 per unit of equity. They feed the Quality Score of 40/100, which measures business quality independently of the share price.
How far is 005830 from its 52-week high?
DB Insurance Co Ltd trades at 184,600 KRW, about 9% below its 52-week high of 203,000 KRW and 61% above the low of 114,643 KRW (as of Sep 23, 2026). Distance from the high says nothing about value: that is what the fair value of 315,443 KRW is for.
Which stocks are comparable to DB Insurance Co Ltd?
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 DB Insurance Co Ltd stock attractive at the current price?
The data as of Sep 24, 2026: price 184,600 KRW, calculated fair value 315,443 KRW (+71%), Quality Score 40/100, 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 005830 calculated?
We run DB Insurance Co Ltd 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 315,443 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. DB Insurance Co Ltd currently trades 71 % 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 DB Insurance Co Ltd (005830)?
The closing price on Sep 23, 2026 was 184,600 KRW. Our model-based fair value is 315,443 KRW, about +71% upside (undervalued). We carry closing prices from our data provider, not a live tick.
What should I pay attention to with DB Insurance Co Ltd right now?
The large discount to fair value meets weak quality (40/100). That raises the risk this is a value trap rather than a bargain. The price is below even our cautious bear case (236,582 KRW). The market is more pessimistic than our downside scenario. 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 DB Insurance Co Ltd
How large is the market capitalisation of DB Insurance Co Ltd (005830)?
The market capitalisation of DB Insurance Co Ltd is 11.1T KRW (≈ $7.8B). 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 DB Insurance Co Ltd (005830)?
The price-to-sales ratio of DB Insurance Co Ltd is 0.41 (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 DB Insurance Co Ltd (005830)?
The dividend yield of DB Insurance Co Ltd is 4.1%. 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 DB Insurance Co Ltd (005830)?
The net margin of DB Insurance Co Ltd is 9.6% (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 DB Insurance Co Ltd (005830)?
The return on equity (ROE) of DB Insurance Co Ltd is 17.6% (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 DB Insurance Co Ltd (005830)?
On an EBIT basis the return on assets of DB Insurance Co Ltd is 1.7% (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 DB Insurance Co Ltd (005830)?
The operating margin of DB Insurance Co Ltd is 8.0% (last twelve months). Profit from the core business (before interest and taxes) relative to revenue.
How fast is revenue growing at DB Insurance Co Ltd (005830)?
Revenue at DB Insurance Co Ltd is growing +11.4% versus a year earlier (3y avg +7.5%). 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 DB Insurance Co Ltd (005830)?
Earnings per share at DB Insurance Co Ltd are growing +101% versus a year earlier. How much earnings per share grew versus a year earlier.
How much free cash flow does DB Insurance Co Ltd (005830) generate?
The free cash flow of DB Insurance Co Ltd is −392B 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 DB Insurance Co Ltd (005830) carry?
The net debt of DB Insurance Co Ltd is 459B KRW (fiscal year 2025). Debt minus cash on hand. The note shows how many years of free cash flow could in theory pay it off.
Free · no account needed
Watch DB Insurance Co Ltd in the live analysis
One click puts DB Insurance Co Ltd on your watchlist: fair value and trend at a glance, plus comparison, the diversification check and the 35,000+ stock screener. You can also try 14 days of Pro there, no card.
