Samsung Life Insurance Co (032830) Fair Value & Analysis
Financial Services · KR · Market cap 60.7T KRW
Fair value as of: Jul 16, 2026
From 18 valuation models · updated 22 days ago
Share price −23.3% over the past month.
A solid business, but screening 42% overvalued on our models.
What matters now
- The price sits above even our optimistic bull case (208,387 KRW). The favourable scenario is already priced in.
- Solid but not exceptional quality (55/100) and above fair value, neither a clear bargain nor a standout compounder.
- For a financial, book-value and earnings-based methods matter more than a cash-flow DCF, which fits banks and insurers poorly.
Price vs Fair Value (5 years)
White line = price, green steps = our fair value per fiscal year, dashed = 300-day average. As of Jul 16, 2026.
How to read this chart
60‑month range 47,928 KRW – 497,000 KRW · fair‑value band 125,032 KRW – 208,387 KRW · the 287,500 KRW price screens above the 166,710 KRW fair value. Green steps = our fair value per fiscal year (point-in-time, no hindsight). Dashed = 300-day average. As of Jul 16, 2026.
Analysis
Samsung Life Insurance Co (032830) currently trades at 287,500 KRW, while our model-based Fair Value estimate is 166,710 KRW, implying the stock looks roughly 42.0% overvalued today. We read business quality at 55/100 (solid quality), in the Financial Services sector. Bear case: priced above our estimate, the market already discounts strong expectations. Bull case: above-average quality can justify a premium, the entry price still matters most (evidence: high).
Over the trailing twelve months, Samsung Life Insurance Co generated revenue of 20.0T KRW at a net margin of 11.5%. Revenue grew 29.4% year over year. It earns a return on equity of 4.8%. Net debt stands at 17.1T KRW. Fundamentals as of Jul 16, 2026
Our scenario range runs from 125,032 KRW (bear case) to 208,387 KRW (bull case); at 287,500 KRW, the current price sits above that range. Bear and bull are the same models run on conservative and optimistic assumptions (margins, growth, valuation multiples), so a plausible valuation range, not a price target. The share trades about 41% below its 52-week high and 161% above its 52-week low, currently above its 200-day average. For context, the median of 10 Financial Services peers we cover trades at 33% fair-value upside, at -42%, 032830 screens richer than that median.
Fair Value models
Each model estimates fair value its own way; the Fair Value above is the evidence-weighted blend. Evidence (0–100) measures how completely this model’s inputs are available: well-fed models carry more weight in the blend. The spread across models is intentional, each one stresses a different value driver; dividend models, for instance, come out structurally low when payout is small.
All 18 models by family
Widest divergence: Growth DCF (283,306 KRW) versus Dividend Discount (55,793 KRW). Highest evidence: Growth DCF (80).
Key figures & financial health
More key figures
Figures from reported company fundamentals · as of Jul 16, 2026. TTM = trailing twelve months.
Quality Score breakdown
Of which business quality 47 · Market factors (momentum, volatility) 67
Non-valuation factor families (profitability, growth, cashflow, financial strength, momentum …), each academically grounded. Valuation itself sits in the Fair Value and is deliberately excluded here to avoid double-counting.
About the company
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.
Full company description
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.
Company description, as reported by the company or data provider.
Revenue & earnings trend
FY2021 – FY2025 · reported fiscal years
Samsung Life Insurance Co 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.
032830 screens 42% overvalued. Compare with China Life Insurance Company →
Peer Group
Insurance - Life · 96 stocks
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.
Valuation Multiples vs Insurance - Life median · lower = cheaper
Snowflake
Five quick dimensions, each 0 to 100: VALUE (fair-value potential), FUTURE (revenue growth), PAST (return on equity), HEALTH (low debt), DIVIDEND (yield). Green = this stock, grey = typical sector peer.
VALUE 0: the price sits above our fair-value range.
Values & ESG
Does this company touch areas you may want to avoid? The classification is inferred from sector and industry.
ESG scores are not available for this stock yet. Values and ESG data are contextual and can differ between providers.
Similar stocks
10 more Insurance - Life stocks, each showing price versus our Fair Value estimate (as of Jul 16, 2026).
| Stock | Price | Fair Value | vs Fair Value |
|---|---|---|---|
| China Life Insurance Company 601628 | ¥38.72 | ¥70.87 | +83% |
| Ping An Insurance (Group) Company 601318 | ¥49.60 | ¥96.76 | +95% |
| AIA Group 1299 | HK$75.55 | HK$7.88 | -90% |
| Manulife Financial Corporation MFC | C$58.52 | C$45.13 | -23% |
| Great-West Lifeco Inc GWO | C$92.34 | C$59.64 | -35% |
| Life Insurance Corporation LICI | ₹438.30 | ₹590.43 | +35% |
| Fubon Financial Holding 2881 | 124.50 TWD | 115.05 TWD | -8% |
| Cathay Financial Holding 2882 | 94.00 TWD | 94.95 TWD | +1% |
| China Pacific Insurance (Group) Co 601601 | ¥29.75 | ¥59.50 | +100% |
| Prudential plc PUKN | 545.00 MXN | 722.72 MXN | +33% |
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How we calculate Fair Value
Each company is valued through a stack of independent intrinsic-value models (DCF variants, residual-income, multiples and more), blended into one family-balanced consensus and weighted by how much trustworthy data backs it. A separate quality layer scores the fundamentals. Every input is real reported data, nothing guessed.
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