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.
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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 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.
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
Bear 143,470 KRWFair Value 191,293 KRWBull 239,117 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.40/100
Revenue growth is weak: less than 2 % a year.
Revenue growth 1 year
+19.2%
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.
−0.4%
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.
−0.4%
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.
+1.7%
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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.
+14.5%
Earnings growth per share plus dividend.
Earnings per share, growth per year+12.7%
Dividend (yield on the price)1.8%
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.7% → −1%
⚠ 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.
Growth Forecast
Price in line with expectations
The price assumes about as much growth as the company has delivered so far.
What the price assumes ⓘThis turns our valuation around: instead of asking what the share is worth, it asks what growth the current price requires. It uses the cash the company keeps after all spending (free cash flow), the same discount rate as our models, five years of growth, then slowing evenly to 2 % a year by year ten. Compared with the analysts' sales forecasts extended to the same five years (at least three analysts, for context only, it does not enter the Fair Value): within 3 percentage points counts as "in line" (amber), below that little optimism (green), above that a lot of optimism (red).
+2.6%
Yearly growth needed for the next five years to justify today's price.
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 - Life · 95 stocks
Beats the industry median on 5/12 measures
A mixed picture versus its industry peers.
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)1.8% · Below median
Balance sheet
Debt / equity0.37× · Above median
Valuation Multiplesvs Insurance - Life median · lower = cheaper
P/FCF0.0× · Cheapest 25%
EV/EBITDA2.1× · Cheapest 25%
PEG1.51× · Priciest 25%
Strength profile in five axes (Snowflake)
This stockSector peers
VALUE (fair-value potential)0· sector 16
FUTURE (revenue growth)100· sector 43
PAST (return on equity)21· sector 43
HEALTH (low debt)82· sector 84
DIVIDEND (yield)36· sector 56
VALUE 0: the price sits above our fair-value range.
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
Frequently asked questions
Is Samsung Life (032830) overvalued or undervalued?
As of Sep 17, 2026, our model estimates a fair value of 191,293 KRW versus a price of 291,000 KRW, about −34% upside (overvalued).
What is the fair value of 032830?
Our model-based fair value for Samsung Life is 191,293 KRW (as of Sep 17, 2026), built from audited fundamentals. The current price: 291,000 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 Sep 17, 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 −34% upside versus a price of 291,000 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 Sep 17, 2026).
Does Samsung Life pay a dividend?
Samsung Life currently shows a dividend yield of about 1.82% relative to its recent price (as of Sep 17, 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 +2.6 % per year for five years (discount rate 9.7 %, then slowing evenly to 2 % perpetual growth by year ten). Over the last 5 years revenue grew -0.4 % per year. As of Sep 17, 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 a reverse DCF?
A reverse DCF turns the usual calculation around. Instead of deriving a value from assumptions, it takes today's price as given and asks: what free-cash-flow growth would a company have to deliver for exactly this price to be fair? The result is not a forecast but the expectation already priced in. For Samsung Life that is +2.6 % per year a year over ten years, using the same discount rate (9.7 %) and the same formula as our fair value.
How much growth has Samsung Life (032830) delivered so far?
Over the past 5 years revenue at Samsung Life grew -0.4 % a year. The price currently implies +2.6 % per year free-cash-flow growth a year. Comparing the two shows how much confidence is in the price: if it demands more than has been delivered, the business has to accelerate for the maths to work.
How fast is the sector of Samsung Life (032830) growing?
The median revenue growth in the sector is +8.1 % a year. That is the yardstick for the growth priced into Samsung Life (+2.6 % per year a year): it shows whether the expectation is within the usual range or beyond it.
What is the free cash flow yield of Samsung Life (032830)?
The free-cash-flow yield on the price is 9.73 %: that much free cash flow Samsung Life produces per unit of market value. When it exceeds the discount rate of our models (9.7 %), the business already earns more than its cost of capital demands, and the price needs little additional growth.
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 Sep 17, 2026), against a price of 291,000 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 Sep 17, 2026, 032830 trades above its calculated fair value: price 291,000 KRW, fair value 191,293 KRW, a gap of about −34% (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 (291,000 KRW); the fair value is what the company's own numbers justify (191,293 KRW). For Samsung Life the two are 99,707 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 Sep 17, 2026). Per share that is 291,000 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 Sep 17, 2026, price 291,000 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 Sep 17, 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 Sep 17, 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 291,000 KRW, about 40% below its 52-week high of 485,000 KRW and 164% above the low of 110,282 KRW (as of Sep 17, 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 Sep 17, 2026: price 291,000 KRW, calculated fair value 191,293 KRW (−34%), 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.
Is it still worth investing in stocks now?
The global stock market currently sits 16.1 % above its aggregate fair value. Samsung Life itself currently trades above fair value. 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 Samsung Life (032830)?
The closing price on Sep 21, 2026 was 291,000 KRW. Our model-based fair value is 191,293 KRW, about −34% upside (overvalued). We carry closing prices from our data provider, not a live tick.
What should I pay attention to with Samsung Life right 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.
Key figures of Samsung Life
How large is the market capitalisation of Samsung Life (032830)?
The market capitalisation of Samsung Life is 60.7T KRW (≈ $42.5B). 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 Samsung Life (032830)?
The price-to-sales ratio of Samsung Life is 3.70 (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 Samsung Life (032830)?
The dividend yield of Samsung Life is 1.8%. 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 Samsung Life (032830)?
The net margin of Samsung Life is 8.1% (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 Samsung Life (032830)?
The return on equity (ROE) of Samsung Life is 4.8% (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 Samsung Life (032830)?
On an EBIT basis the return on assets of Samsung Life is 0.6% (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 Samsung Life (032830)?
The operating margin of Samsung Life is −83.0% (last twelve months). Profit from the core business (before interest and taxes) relative to revenue.
How fast is revenue growing at Samsung Life (032830)?
Revenue at Samsung Life is growing +29.4% versus a year earlier (3y avg −0.4%). 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 Samsung Life (032830)?
Earnings per share at Samsung Life are growing +187% versus a year earlier. How much earnings per share grew versus a year earlier.
How much net debt does Samsung Life (032830) carry?
The net debt of Samsung Life is 17.1T KRW (fiscal year 2025, ≈ 3.4 yrs of FCF). 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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