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, free.
Compare price with fair valuebelow fair value = cheap, above = expensive
Check the quality50 and up solid, 75 and up strong
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A solid business, but trading 59% above our fair value of 191,293 KRW.
As of Aug 18, 2026, the fair value of Samsung Life is 191,293 KRW per share against a price of 303,500 KRW, so the fair value sits 37% below the price. A model estimate from reported figures, not an analyst target.
!Weak Growth (revenue 5y −0.4 %/yr)
✓Solidly profitable · 11.8% net margin
✓Low debt · generates free cash flow
·1.75% dividend yield
!Mixed vs. peers (5/12)
!Narrow moat 37/100
!Evidence only medium, so the estimate is less certain
!Weak on past: 21 out of 100
Evidence: MediumRange 143,470 KRW to 239,117 KRW
Fair value as of: Aug 18, 2026
From 6 valuation models · updated 22 days ago
Share price +8.2% over the past month.
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69 individual criteria per stock, every one traceable See the method →
What matters now
The price sits above even our optimistic bull case (239,117 KRW). The favourable scenario is already priced in.
Solid but not exceptional quality (52/100) 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 Aug 18, 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 303,500 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 Aug 18, 2026.
Samsung Life (032830) currently trades at 303,500 KRW, while our model-based Fair Value estimate is 191,293 KRW, implying the stock looks roughly 58.7% overvalued today. The Quality Score stands at 52/100 (solid quality), in the Financial Services sector. 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 303,500 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.
Over the trailing twelve months, Samsung Life 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 Aug 18, 2026
Scenario range: 143,470 KRW (bear) to 239,117 KRW (bull), the price of 303,500 KRW sits above it. Bear and bull are the same models on cautious and optimistic assumptions, a range, not a price target. The share trades about 37% below its 52-week high and 175% above its 52-week low, currently above its 200-day average. For context, the median of 10 Financial Services peers we cover trades at −22% fair-value upside, at −37%, 032830 screens richer than that median.
Fair Value models
Each model values the company its own way; the fair value above is the evidence-weighted blend. Evidence (0 to 100) shows how complete a model's inputs are. How we calculate →
ModelBear ⓘ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
Highest evidence
Residual Income best evidence262,374 KRW260,257 KRW234,868 KRW76
Gordon GGM46,840 KRW55,793 KRW66,100 KRW69
DDM Multi-Stage46,840 KRW62,872 KRW83,998 KRW67
All 6 models by family
Dividend Discount
Gordon GGM46,840 KRW55,793 KRW66,100 KRW69
DDM Multi-Stage46,840 KRW62,872 KRW83,998 KRW67
Multiples
P/E Multiple125,032 KRW166,710 KRW208,387 KRW63
P/B Multiple163,504 KRW218,005 KRW272,506 KRW55
Asset-Based
NCAV (Graham)174,647 KRW234,027 KRW349,293 KRW54
Economic Profit
Residual Income best evidence262,374 KRW260,257 KRW234,868 KRW76
Widest divergence: Economic Profit (260,257 KRW) versus Dividend Discount (55,793 KRW). Highest evidence: Residual Income (76).
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Key figures & financial health
P/S ratio3.70TTM
Dividend yield1.7%
Net margin8.1%FY2025
Return on equity4.8%TTM
Return on assets (EBIT)0.6%avg 5y
Operating margin−83.0%TTM
More key figures
Growth
Revenue (TTM)20.0T KRWTTM
Revenue growth (YoY)+29.4%3y avg −0.4%
EPS growth (YoY)+187%
Balance sheet & cash flow
Free cash flow5.1T KRWFY2025
Net debt17.1T KRWFY2025 · ≈ 3.4 yrs of FCF
Figures from reported company fundamentals · as of Aug 18, 2026. TTM = trailing twelve months.
Quality Score breakdown
Overall quality52/100
Of which business quality 47
· Market factors (momentum, volatility) 55
Profitability18
Margins and returns on capital today
Quality Growth46
Are margins and returns improving?
Cashflow86
Earnings quality: real cash, not paper profit
Fin. Strength6
Balance sheet, leverage, solvency risk
Investment61
Disciplined investing over empire-building
Low Volatility30
Calm price path (market factor)
Momentum61
Price trend over the last 3–12 months (market factor)
52W Momentum74
Distance to the 52-week high (market factor)
Net Issuance82
Buybacks instead of dilution
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.
All values are scores from 0 to 100 (100 = best against fixed, research-based bands), not percentages. The three market factors (momentum, 52-week proximity, low volatility) are displayed but carry zero weight in the headline number: market sentiment is not a business property.
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 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.
Growth Quality 40/100
Revenue growth is weak, negative or inconsistent.
Latest Revenue (FY 2025)
28.5T KRW
Latest YoY
+19.2%
Avg. revenue growth/yr (3Y) ⓘ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.
−0.4%
Avg. revenue growth/yr (5Y) ⓘ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.
−0.4%
Avg. revenue growth/yr (26Y) ⓘ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.
+1.7%
Value creation/yr (5Y, in KRW) ⓘEarnings growth per share (CAGR 5 years) plus dividend yield: value created per share and year. 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.
+14.4%
Earnings growth per share plus dividend yield: the value created per share and year.
Earnings growth per share+12.7%
Dividend yield1.7%
Operating margin (EBIT) ⓘ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.6.5% (2014) → −1.3% (2019) · falling
Worst earnings drop41% (2019) · in KRW
⚠ Revenue per share shrinking 2.9%/yr over ~6Y (margin trend unclear) ⓘStructural-decline marker: revenue PER SHARE has fallen over the last decade (robust median trend, not a single year). Backtested across 2005 to 2017, such businesses trailed the market by about 2.5 percentage points per year. Display only: it does not change the fair value or the quality score.
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). "Samsung Life Fair Value". https://www.fairvalue-calculator.com/stock/032830
Peer Group
Insurance - Life · 94 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
Quality Score48 · Below median
Fair Value upside−36% · Below median
Profitability
Return on equity (TTM)5% · Below median
Return on assets1% · Above median
Net margin (TTM)12% · Above median
Operating margin (TTM)3% · Bottom 25%
Growth and dividend
Revenue growth59% · Top 25%
Dividend yield (TTM)1.7% · Below median
Balance sheet
Debt / equity0.37× · Above median
Valuation Multiples vs Insurance - Life median · lower = cheaper
P/FCF0.0× · Cheapest 25%
EV/EBITDA2.1× · Cheapest 25%
PEG1.51× · Priciest 25%
What the price implies (reverse DCF)
The inverse question: what free-cash-flow growth must Samsung Life deliver for ten years so that today's price is fair in our DCF model? Same formula, same discount rate as the fair value.
Implied FCF growth, 10 years+2.9 % per year
Achieved revenue growth, 5 years-0.4 % p.a.
Sector median revenue growth+8.1 %
FCF yield on price9.33 %
Discount rate (WACC) in the models9.7 %
The price demands an acceleration versus past growth: a high bar the company still has to clear. Ranking of the largest stocks →
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.
This stockSector peers
VALUE0· sector 14
FUTURE100· sector 43
PAST21· sector 43
HEALTH82· sector 84
DIVIDEND35· sector 54
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.
None of the checked exposures detected
Similar stocks
10 more Insurance - Life stocks, each showing price versus our Fair Value estimate (as of Aug 18, 2026).
Is Samsung Life (032830) overvalued or undervalued?
As of Aug 18, 2026, our model estimates a fair value of 191,293 KRW versus a price of 303,500 KRW, about −37% upside (overvalued).
What is the fair value of 032830?
Our model-based fair value for Samsung Life is 191,293 KRW (as of Aug 18, 2026), built from audited fundamentals. The current price: 303,500 KRW.
What is the quality score of 032830?
Samsung Life has a Quality Score of 52/100. 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 Samsung Life (032830)?
Our model-based price target is the fair value of 191,293 KRW (as of Aug 18, 2026) from 6 valuation models. Cautious scenario 143,470 KRW, optimistic scenario 239,117 KRW. It is a calculation from audited fundamentals, not an analyst target.
What is the Samsung Life stock forecast for 2026?
Our models put fair value at 191,293 KRW, about −37% upside versus a price of 303,500 KRW (overvalued). Cautious scenario 143,470 KRW, optimistic scenario 239,117 KRW. The calculation is refreshed regularly with new filings.
What is the revenue of Samsung Life (032830)?
Samsung Life reported trailing-twelve-month revenue of about 20.0T KRW (latest available figure, as of Aug 18, 2026).
What is the net profit margin of 032830?
The net profit margin of Samsung Life is about 11.5%, meaning it keeps roughly 11.5% of revenue as net income. Based on the latest reported figures.
Does Samsung Life pay a dividend?
Samsung Life currently shows a dividend yield of about 1.75% relative to its recent price (as of Aug 18, 2026).
What growth is priced into Samsung Life (032830)?
For today's price to be fair in a discounted-cash-flow model, Samsung Life would have to grow free cash flow by +2.9 % per year for ten years (discount rate 9.7 %, then 2 % perpetual growth). Over the last 5 years revenue grew -0.4 % per year. As of Aug 18, 2026.
What discount rate (WACC) does the fair value of 032830 use?
Our models discount Samsung Life at 9.7 %: a base by market capitalisation (large), damped by beta 1.02, country premium for South Korea. The same rate applies in all 26 models.
What is the intrinsic value of Samsung Life (032830)?
Intrinsic value and fair value mean the same thing: what the business is worth on its numbers, independent of the share price. For Samsung Life it is 191,293 KRW per share (as of Aug 18, 2026), against a price of 303,500 KRW. It is the blended result of 6 valuation models (cash flow, earnings, asset, dividend).
Is Samsung Life stock overvalued or undervalued in 2026?
As of Aug 18, 2026, 032830 trades above its calculated fair value: price 303,500 KRW, fair value 191,293 KRW, a gap of about −37% (overvalued). 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 032830?
No. The price is what the market pays today (303,500 KRW); the fair value is what the company's own numbers justify (191,293 KRW). For Samsung Life the two are 112,207 KRW per share apart. That gap is exactly why we show both numbers side by side.
How much is Samsung Life worth?
The market values Samsung Life at about 60.7T KRW (market capitalisation, as of Aug 18, 2026). Per share that is 303,500 KRW; our models calculate a fair value of 191,293 KRW per share.
What do the bullish and bearish scenarios say about 032830?
Our models span a range for Samsung Life: cautious scenario 143,470 KRW, base 191,293 KRW, optimistic 239,117 KRW per share (as of Aug 18, 2026, price 303,500 KRW). The range comes from different growth and margin assumptions, not from analyst opinions.
What is the PEG ratio of 032830?
The PEG ratio of Samsung Life is 1.51 (P/E divided by earnings growth, as of Aug 18, 2026). That is above 1, so the growth is already paid for in the price.
How solid is the balance sheet of Samsung Life (032830)?
Balance-sheet figures for Samsung Life (as of Aug 18, 2026): return on equity 5.3%, debt of 0.37 per unit of equity. They feed the Quality Score of 52/100, which measures business quality independently of the share price.
How far is 032830 from its 52-week high?
Samsung Life trades at 303,500 KRW, about 37% below its 52-week high of 485,000 KRW and 175% above the low of 110,282 KRW (as of Aug 18, 2026). Distance from the high says nothing about value: that is what the fair value of 191,293 KRW is for.
Which stocks are comparable to Samsung Life?
From the same area (Financial Services) we also value China Life Insurance Company, Ping An Insurance (Group) Company, AIA Group, Manulife Financial 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 Samsung Life stock attractive at the current price?
The data as of Aug 18, 2026: price 303,500 KRW, calculated fair value 191,293 KRW (−37%), Quality Score 52/100, 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 032830 calculated?
We run Samsung Life through 6 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 191,293 KRW, with the spread shown as a cautious and an optimistic scenario.
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