Tongyang Life (082640) fair value: what the stock is really worth
As of Aug 28, 2026: fair value of Tongyang Life KRW 11,844, price KRW 8,250, upside +43.6%, quality 60 out of 100. Calculated from audited financials with 26 valuation models and 37 quality factors, updated daily.
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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 24, 2026.
How to read this chart
60‑month range 3,172 KRW – 9,100 KRW · fair‑value band 8,883 KRW – 14,805 KRW · the 8,250 KRW price screens below the 11,844 KRW fair value. Green steps = our fair value per fiscal year (point-in-time, no hindsight). Dashed = 300-day average. As of Sep 24, 2026.
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Tong Yang Life Insurance Co., Ltd. engages in the life insurance business in South Korea. The company also offers death, illness, accident compensation insurance and child insurance services; and retirement pension services and asset management services.
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Tong Yang Life Insurance Co., Ltd. engages in the life insurance business in South Korea. The company also offers death, illness, accident compensation insurance and child insurance services; and retirement pension services and asset management services. It provides its insurance services directly and through general agencies, as well as through 5 business units. Tong Yang Life Insurance Co., Ltd. was founded in 1989 and is based in Seoul, South Korea. Tong Yang Life Insurance Co., Ltd. is a subsidiary of Woori Financial Group Inc.
Stock analysis
Tongyang Life (082640) currently trades at 8,250 KRW, while our model-based Fair Value estimate is 11,844 KRW, implying the stock looks roughly 30.3% undervalued today.
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Valuation
Bull case: the Multiples group reads highest at a median of 10,370 KRW per share, and 3 of the 4 models we run sit above the 8,250 KRW price.
Bear case: the Asset-Based group reads lowest at 6,650 KRW, and 1 of the 4 models stay below the price. Evidence for this calculation is medium.
Scenario range: 8,883 KRW (bear) to 14,805 KRW (bull), the price of 8,250 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 60/100 (solid quality), in the Financial Services sector.
Weak Growth: Revenue growth is inconsistent: the periods point in different directions, so there is no trend to rely on.
Tongyang Life reported revenue of 2.9T KRW in FY2025 versus 5.5T KRW in FY2021, a compound −14.8%/yr. Reported net income was 124B KRW in FY2025, compounding −18.0%/yr from FY2021.
Key figures
Market cap 1.3T KRW (≈ $901M) · P/S ratio 0.35 · Dividend yield 1.9% · Net margin 4.3% · Return on equity 6.2% · Return on assets (EBIT) 1.2% · Operating margin 25.1% · Revenue (TTM) 3.5T KRW.
Competitive moat
Our AI-assisted moat analysis scores the competitive advantage at 48 out of 100 (medium confidence).
What moves the price
The share trades about 9% below its 52-week high and 35% above its 52-week low, currently above its 200-day average.
For context, the median of 10 Financial Services peers we cover trades at −35% fair-value upside, at 44%, 082640 screens cheaper than that median.
Fair Value models
Bear 8,883 KRWFair Value 11,844 KRWBull 14,805 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 inconsistent: the periods point in different directions, so there is no trend to rely on.
Revenue growth 1 year
+16.3%
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.
+17.4%
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.
−13.3%
Start year 2020 (pandemic). Over 10 years: −4.4% a year
Revenue growth 18 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.
+1.3%
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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.
+1.2%
Earnings growth per share plus dividend.
Earnings per share, growth per year−0.7%
Dividend (yield on the price)1.9%
Profit margin 2013 to 2018 ⓘ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.4% → 6%
⚠ Revenue per share shrinking 12.5%/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.
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 6/11 measures
A mixed picture versus its industry peers.
Valuation
Quality Score58 · Above median
Fair Value upside+44% · Above median
Profitability
Return on equity (TTM)6% · Below median
Return on assets1% · Below median
Net margin (TTM)3% · Below median
Operating margin (TTM)25% · Above median
Growth and dividend
Revenue growth32% · Top 25%
Dividend yield (TTM)1.9% · Below median
Balance sheet
Debt / equity0.78× · Highest 25%
Valuation Multiplesvs Insurance - Life median · lower = cheaper
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Cite: Fair Value Calculator (2026). "Tongyang Life Fair Value". https://www.fairvalue-calculator.com/stock/082640
Frequently asked questions
Is Tongyang Life (082640) overvalued or undervalued?
As of Sep 24, 2026, our model estimates a fair value of 11,844 KRW versus the last price from Aug 28, 2026 of 8,250 KRW, about +44% upside (undervalued).
What is the fair value of 082640?
Our model-based fair value for Tongyang Life is 11,844 KRW (as of Sep 24, 2026), built from audited fundamentals. Last price (from Aug 28, 2026): 8,250 KRW.
What is the quality score of 082640?
Tongyang Life has a Quality Score of 60/100. 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 Tongyang Life (082640)?
Our model-based price target is the fair value of 11,844 KRW (as of Sep 24, 2026) from 4 valuation models. Cautious scenario 8,883 KRW, optimistic scenario 14,805 KRW. It is a calculation from audited fundamentals, not an analyst target.
What is the Tongyang Life stock forecast for 2026?
Our models put fair value at 11,844 KRW, about +44% upside versus the last price from Aug 28, 2026 of 8,250 KRW (undervalued). Cautious scenario 8,883 KRW, optimistic scenario 14,805 KRW. The calculation is refreshed regularly with new filings.
What is the revenue of Tongyang Life (082640)?
Tongyang Life reported trailing-twelve-month revenue of about 3.5T KRW (latest available figure, as of Sep 24, 2026).
Does Tongyang Life pay a dividend?
Tongyang Life currently shows a dividend yield of about 1.88% relative to its recent price (as of Sep 24, 2026).
What is the intrinsic value of Tongyang Life (082640)?
Intrinsic value and fair value mean the same thing: what the business is worth on its numbers, independent of the share price. For Tongyang Life it is 11,844 KRW per share (as of Sep 24, 2026), against a price of 8,250 KRW. It is the blended result of 4 valuation models (cash flow, earnings, asset, dividend).
Is Tongyang Life stock overvalued or undervalued in 2026?
As of Sep 24, 2026, 082640 trades below its calculated fair value: price 8,250 KRW, fair value 11,844 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 082640?
No. The price is what the market pays today (8,250 KRW); the fair value is what the company's own numbers justify (11,844 KRW). For Tongyang Life the two are 3,594 KRW per share apart. That gap is exactly why we show both numbers side by side.
How much is Tongyang Life worth?
The market values Tongyang Life at about 1.3T KRW (market capitalisation, as of Sep 24, 2026). Per share that is 8,250 KRW; our models calculate a fair value of 11,844 KRW per share.
What do the bullish and bearish scenarios say about 082640?
Our models span a range for Tongyang Life: cautious scenario 8,883 KRW, base 11,844 KRW, optimistic 14,805 KRW per share (as of Sep 24, 2026, price 8,250 KRW). The range comes from different growth and margin assumptions, not from analyst opinions.
How solid is the balance sheet of Tongyang Life (082640)?
Balance-sheet figures for Tongyang Life (as of Sep 24, 2026): return on equity 6.2%, debt of 0.78 per unit of equity. They feed the Quality Score of 60/100, which measures business quality independently of the share price.
How far is 082640 from its 52-week high?
Tongyang Life trades at 8,250 KRW, about 9% below its 52-week high of 9,100 KRW and 35% above the low of 6,130 KRW (as of Aug 28, 2026). Distance from the high says nothing about value: that is what the fair value of 11,844 KRW is for.
Which stocks are comparable to Tongyang 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 Tongyang Life stock attractive at the current price?
The data as of Sep 24, 2026: price 8,250 KRW, calculated fair value 11,844 KRW (+44%), Quality Score 60/100, from 4 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 082640 calculated?
We run Tongyang Life through 4 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 11,844 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 14.1 % above its aggregate fair value. Tongyang Life currently trades 44 % 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 Tongyang Life (082640)?
The latest price we hold is from Aug 28, 2026 and stands at 8,250 KRW. Our model-based fair value is 11,844 KRW, about +44% upside (undervalued). We carry closing prices from our data provider, not a live tick.
What should I pay attention to with Tongyang Life right now?
The price is below even our cautious bear case (8,883 KRW). The market is more pessimistic than our downside scenario. Solid quality (60/100) at a price below fair value, the discount is the argument here, not the business quality. 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 Tongyang Life
How large is the market capitalisation of Tongyang Life (082640)?
The market capitalisation of Tongyang Life is 1.3T KRW (≈ $901M). 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 Tongyang Life (082640)?
The price-to-sales ratio of Tongyang Life is 0.35 (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 Tongyang Life (082640)?
The dividend yield of Tongyang Life is 1.9%. 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 Tongyang Life (082640)?
The net margin of Tongyang Life is 4.3% (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 Tongyang Life (082640)?
The return on equity (ROE) of Tongyang Life is 6.2% (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 Tongyang Life (082640)?
On an EBIT basis the return on assets of Tongyang Life is 1.2% (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 Tongyang Life (082640)?
The operating margin of Tongyang Life is 25.1% (last twelve months). Profit from the core business (before interest and taxes) relative to revenue.
How fast is revenue growing at Tongyang Life (082640)?
Revenue at Tongyang Life is growing +31.7% versus a year earlier (3y avg +17.4%). 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 Tongyang Life (082640)?
Earnings per share at Tongyang Life are growing −45.9% versus a year earlier. How much earnings per share grew versus a year earlier.
How much free cash flow does Tongyang Life (082640) generate?
The free cash flow of Tongyang Life is 2.6T 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 Tongyang Life (082640) carry?
The net debt of Tongyang Life is 355B KRW (fiscal year 2025, ≈ 0.1 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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