DB Insurance Co Ltd (005830) fair value: what the stock is really worth
As of Nov 6, 2026: fair value (intrinsic value) of DB Insurance Co Ltd stock KRW 246,659, price KRW 171,100, upside +44.2%, quality 40 out of 100. Rating: undervalued. Calculated from audited financials with 6 of our 26 valuation models and 37 quality factors, updated daily.
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. As of Nov 7, 2026.
How to read this chart
60‑month range 36,312 KRW – 203,000 KRW · fair‑value band 190,430 KRW – 317,384 KRW · the 171,100 KRW price screens below the 246,659 KRW fair value. Green steps = our fair value per fiscal year (point-in-time, no hindsight). As of Nov 7, 2026.
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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.
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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 171,100 KRW, while our model-based Fair Value estimate is 246,659 KRW, implying the stock looks roughly 31% undervalued today.
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Valuation
Bull case: the Multiples group reads highest at a median of 253,907 KRW per share, and 2 of the 6 models we run sit above the 171,100 KRW price.
Bear case: the Asset-Based group reads lowest at 118,490 KRW, and 4 of the 6 models stay below the price. Data coverage for this calculation is high.
Scenario range: 190,430 KRW (bear) to 317,384 KRW (bull), the price of 171,100 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 10.4T KRW (≈ $7.6B) Mid · P/E ratio 5.8 · P/S ratio 0.50 · EPS (TTM) 29,854 KRW · Dividend yield 4.4% · Net margin 8.8% · Return on equity 15.8% · Return on assets (EBIT) 1.7% (5-year average).
Competitive moat
Our AI-assisted moat analysis scores the competitive advantage at 54 out of 100 (low confidence).
What moves the price
The share trades about 16% below its 52-week high and 49% above its 52-week low, currently above its 200-day average.
For context, the median of 10 Financial Services peers we cover trades at −29% fair-value upside, at 44%, 005830 screens cheaper than that median.
Fair Value models
Bear190,430 KRWFair Value 246,659 KRWBull317,384 KRW
Price 171,100 KRW · Upside +44.2%
Model ⓘEach model values the company its own way (discounted cash flow, earnings, assets, dividends). The fair value above starts from their evidence-weighted blend, not from a single model. In cyclical trough or peak years, after dilution or a stock split it is adjusted afterwards, so it can sit above or below the models. Based on fiscal year 2025 figures (about 10 months old). Earnings retained since then (19,023 KRW per share) are deliberately not added.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. If a model's bull case is above four times its base value, the table shows that limit with a > sign (like the overall Bull above): beyond it no assumption holds.Coverage ⓘCoverage = 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%
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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.
+30.6%
Earnings growth per share plus dividend.
Earnings per share, growth per year+26.2%
Dividend (yield on the price)4.4%
Pace: 5 vs 10 years ⓘTwo data points, not a trend model: earnings growth per share over the last 5 fiscal years against the last 10. Labelled "steady" when both rates are within 3 percentage points of each other, otherwise picking up or flattening. Shown only when ten years of history exist.26.2% vs 13.7%, picking up
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 · 100 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 Nov 7, 2026, our model estimates a fair value of 246,659 KRW versus a price of 171,100 KRW, about +44% upside (undervalued).
What is the fair value of 005830?
Our model-based fair value for DB Insurance Co Ltd is 246,659 KRW (as of Nov 7, 2026), built from audited fundamentals. The current price: 171,100 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 246,659 KRW (as of Nov 7, 2026) from 6 valuation models. Cautious scenario 190,430 KRW, optimistic scenario 317,384 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 246,659 KRW, about +44% upside versus a price of 171,100 KRW (undervalued). Cautious scenario 190,430 KRW, optimistic scenario 317,384 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 20.7T KRW (latest available figure, as of Nov 7, 2026).
Does DB Insurance Co Ltd pay a dividend?
DB Insurance Co Ltd currently shows a dividend yield of 4.44% relative to its recent price (as of Nov 7, 2026).
How much is the dividend of DB Insurance Co Ltd (005830) and when is the ex-dividend date?
DB Insurance Co Ltd pays a dividend of 7,600 KRW per share a year, a dividend yield of 4.4%. The last ex-dividend date was Mar 26, 2026. The payout ratio is 25.5% of earnings. Our assessment: Low payout. A low payout ratio: the dividend takes at most 60 % of earnings. Whether free cash flow covers it as well, we cannot see for this company.
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 246,659 KRW per share (as of Nov 7, 2026), against a price of 171,100 KRW. It is the blended result of 6 valuation models in 4 families (Dividend Discount, Multiples, Asset-Based, Economic Profit).
Is DB Insurance Co Ltd stock overvalued or undervalued in 2026?
As of Nov 7, 2026, 005830 trades below its calculated fair value: price 171,100 KRW, fair value 246,659 KRW, a gap of about +44% (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 (171,100 KRW); the fair value is what the company's own numbers justify (246,659 KRW). For DB Insurance Co Ltd the two are 75,559 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 10.4T KRW (market capitalisation, as of Nov 7, 2026). Per share that is 171,100 KRW; our models calculate a fair value of 246,659 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 190,430 KRW, base 246,659 KRW, optimistic 317,384 KRW per share (as of Nov 7, 2026, price 171,100 KRW). The range comes from different growth and margin assumptions, not from analyst opinions.
What is the P/E ratio of 005830?
DB Insurance Co Ltd trades at a price-to-earnings ratio of 5.8 (as of Nov 7, 2026). A P/E on its own says little: it compares the price with ONE year of profit, while our fair value of 246,659 KRW is built from several models across several years. Median P/E at fiscal year-end, 10 fiscal years (2016 to 2025), reported earnings: 4.6. Other multiples: P/B 1.0, P/S 0.5, EV/EBITDA 7.9.
How solid is the balance sheet of DB Insurance Co Ltd (005830)?
Balance-sheet figures for DB Insurance Co Ltd (as of Nov 7, 2026): return on equity 15.8%, 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 171,100 KRW, about 16% below its 52-week high of 203,000 KRW and 49% above the low of 114,643 KRW (as of Nov 6, 2026). Distance from the high says nothing about value: that is what the fair value of 246,659 KRW is for.
Which stocks are comparable to DB Insurance Co Ltd?
From the same area (Financial Services) we also value Chubb Limited, The Progressive Corporation, 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 Nov 7, 2026: price 171,100 KRW, calculated fair value 246,659 KRW (+44%), Quality Score 40/100, from 6 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 6 models from 4 families: Dividend Discount, Multiples, Asset-Based, Economic Profit. Every model gets the same audited fundamentals; the fair value of 246,659 KRW builds on their evidence-weighted average, 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 13.0% above its aggregate fair value. DB Insurance Co Ltd currently trades 31% 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 Nov 6, 2026 was 171,100 KRW. Our model-based fair value is 246,659 KRW, about +44% 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 (190,430 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 10.4T KRW (≈ $7.6B). 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 DB Insurance Co Ltd (005830)?
The price-to-sales ratio of DB Insurance Co Ltd is 0.50 (last twelve months). Price to sales: market value relative to yearly revenue. Useful when profit is thin or distorted.
What are the earnings per share of DB Insurance Co Ltd (005830)?
Earnings per share at DB Insurance Co Ltd are 29,854 KRW (price ÷ EPS = P/E 5.8). Earnings per share over the last twelve months: total profit spread across every single share.
What is the dividend yield of DB Insurance Co Ltd (005830)?
The dividend yield of DB Insurance Co Ltd is 4.4% (payout 25.5%). 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 8.8% (last twelve months). 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 15.8% (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 19.8% (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 −3.1% 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 +30.8% 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.
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Broad data
Nov 7, 2026