Samsung Life (032830) fair value: what the stock is really worth
We calculate from audited financials what Samsung Life 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.
- Fair value above price? No
- Good quality? Yes
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Samsung Life
032830 · KOOvervalued / MonitorQuality is not strong enough to offset the price risk.
What runs behind every stock
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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 17, 2026.
How to read this chart
60‑month range 47,928 KRW – 497,000 KRW · fair‑value band 143,470 KRW – 239,117 KRW · the 291,000 KRW price screens above the 191,293 KRW fair value. Green steps = our fair value per fiscal year (point-in-time, no hindsight). Dashed = 300-day average. As of Sep 17, 2026.
Company profile
Samsung Life Insurance Co., Ltd., together with its subsidiaries, engages in the life insurance business to corporate and individual customers in South Korea and internationally. The company operates through Domestic Insurance; Credit Card Service, Installment Financing and Leasing; and Overseas segments.
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Samsung Life Insurance Co., Ltd., together with its subsidiaries, engages in the life insurance business to corporate and individual customers in South Korea and internationally. The company operates through Domestic Insurance; Credit Card Service, Installment Financing and Leasing; and Overseas segments. It also offers various loan products for companies, household, and stocks and bonds, as well as mortgage loans; and retirement pension, funds, and asset management services. The company was formerly known as Dongbang Life Insurance and changed its name to Samsung Life Insurance Co., Ltd. in July 1989. Samsung Life Insurance Co., Ltd. was founded in 1957 and is headquartered in Seoul, South Korea.
Stock analysis
Samsung Life (032830) currently trades at 291,000 KRW, while our model-based Fair Value estimate is 191,293 KRW, implying the stock looks roughly 52.1% overvalued today.
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Valuation
Bull case: the Economic Profit group reads highest at a median of 260,257 KRW per share, and 0 of the 6 models we run sit above the 291,000 KRW price.
Bear case: the Dividend Discount group reads lowest at 55,793 KRW, and 6 of the 6 models stay below the price. Evidence for this calculation is medium.
Scenario range: 143,470 KRW (bear) to 239,117 KRW (bull), the price of 291,000 KRW sits above 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 52/100 (solid quality), in the Financial Services sector.
Weak Growth: Revenue growth is weak: less than 2 % a year.
Samsung Life reported revenue of 28.5T KRW in FY2025 versus 28.5T KRW in FY2021, a compound 0.0%/yr. Reported net income was 2.3T KRW in FY2025, compounding +11.9%/yr from FY2021.
Key figures
Market cap 60.7T KRW (≈ $42.5B) · P/S ratio 3.70 · Dividend yield 1.8% · Net margin 8.1% · Return on equity 4.8% · Return on assets (EBIT) 0.6% · Operating margin −83.0% · Revenue (TTM) 20.0T KRW.
Competitive moat
Our AI-assisted moat analysis scores the competitive advantage at 46 out of 100 (low confidence).
What moves the price
The share trades about 40% below its 52-week high and 164% above its 52-week low, currently above its 200-day average.
For context, the median of 10 Financial Services peers we cover trades at −37% fair-value upside, at −34%, 032830 screens cheaper than that median.
Fair Value models
All 6 models by family
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Set up alert →Quality Score breakdown
Of which business quality 47 · Market factors (momentum, volatility) 56
Revenue & earnings trend
Growth Forecast
032830 screens 52% overvalued. Compare with China Life Insurance Company →
Compare Samsung Life with another stock
Price, fair value, quality and upside side by side.
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 - Life · 95 stocks
Valuation Multiplesvs Insurance - Life median · lower = cheaper
Strength profile in five axes (Snowflake)
VALUE 0: the price sits above our fair-value range.
Context: sector, industry, market
- Is the Financials sector expensive or cheap?
- P/E, EV/EBITDA and margins by industry (reference tables)
- Undervalued stocks: South Korean Stocks
- Valuation of the Korea market
Values & ESG
Does this company touch areas you may want to avoid? The classification is inferred from sector and industry.
Similar stocks
10 more Insurance - Life stocks, each showing price versus our Fair Value estimate.
| Stock | Price | Fair Value | vs Fair Value |
|---|---|---|---|
| China Life Insurance Company 601628 | ¥37.25 | ¥49.98 | +34% |
| Ping An Insurance (Group) Company 601318 | ¥53.51 | ¥68.44 | +28% |
| AIA Group 1299 | HK$77.35 | HK$33.58 | −57% |
| Manulife Financial Corporation MFC | C$62.06 | C$38.80 | −37% |
| Aflac Incorporated AFL | $117.55 | $67.96 | −42% |
| MetLife, Inc MET | $97.23 | $53.26 | −45% |
| Great-West Lifeco Inc GWO | C$92.94 | C$41.81 | −55% |
| Life Insurance Corporation LICI | ₹400.00 | ₹392.93 | −2% |
| China Pacific Insurance (Group) Co 601601 | ¥32.02 | ¥51.59 | +61% |
| Power Corporation POW | C$93.45 | C$43.42 | −54% |
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Frequently asked questions
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Key figures of Samsung Life
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