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A032

Samsung Life Insurance KOSE:A032830 Stock Report

Last Price

₩62.60k

Market Cap

₩11.2t

7D

-2.8%

1Y

-21.0%

Updated

30 Jun, 2022

Data

Company Financials +
A032830 fundamental analysis
Snowflake Score
Valuation0/6
Future Growth1/6
Past Performance0/6
Financial Health1/6
Dividends5/6

A032830 Stock Overview

Samsung Life Insurance Co., Ltd. engages in the life insurance business in Korea and internationally.

Samsung Life Insurance Competitors

Price History & Performance

Summary of all time highs, changes and price drops for Samsung Life Insurance
Historical stock prices
Current Share Price₩62,600.00
52 Week High₩79,900.00
52 Week Low₩58,000.00
Beta1.1
1 Month Change-8.08%
3 Month Change-4.28%
1 Year Change-20.96%
3 Year Change-23.38%
5 Year Change-48.69%
Change since IPO-45.09%

Recent News & Updates

Shareholder Returns

A032830KR InsuranceKR Market
7D-2.8%1.8%3.3%
1Y-21.0%-7.2%-26.6%

Return vs Industry: A032830 underperformed the KR Insurance industry which returned -7.2% over the past year.

Return vs Market: A032830 exceeded the KR Market which returned -26.6% over the past year.

Price Volatility

Is A032830's price volatile compared to industry and market?
A032830 volatility
A032830 Average Weekly Movement3.0%
Insurance Industry Average Movement4.5%
Market Average Movement6.2%
10% most volatile stocks in KR Market10.8%
10% least volatile stocks in KR Market3.9%

Stable Share Price: A032830 is less volatile than 75% of KR stocks over the past 3 months, typically moving +/- 3% a week.

Volatility Over Time: A032830's weekly volatility (3%) has been stable over the past year.

About the Company

FoundedEmployeesCEOWebsite
19575,042Young-Muk Jeonhttps://www.samsunglife.com

Samsung Life Insurance Co., Ltd. engages in the life insurance business in Korea and internationally. The company operates through Domestic Insurance; Credit Card Service, Installment Financing, and Leasing; and Overseas segments. It offers life, term, health, accident, pension, saving, child, and direct insurance; insurance contract, credit, and mortgage loans; and retirement pension products.

Samsung Life Insurance Fundamentals Summary

How do Samsung Life Insurance's earnings and revenue compare to its market cap?
A032830 fundamental statistics
Market Cap₩11.24t
Earnings (TTM)₩651.08b
Revenue (TTM)₩30.90t

17.3x

P/E Ratio

0.4x

P/S Ratio

Earnings & Revenue

Key profitability statistics from the latest earnings report
A032830 income statement (TTM)
Revenue₩30.90t
Cost of Revenue₩23.15t
Gross Profit₩7.75t
Other Expenses₩7.10t
Earnings₩651.08b

Last Reported Earnings

Mar 31, 2022

Next Earnings Date

n/a

Earnings per share (EPS)3.63k
Gross Margin25.08%
Net Profit Margin2.11%
Debt/Equity Ratio67.5%

How did A032830 perform over the long term?

See historical performance and comparison

Dividends

4.8%

Current Dividend Yield

83%

Payout Ratio
We’ve recently updated our valuation analysis.

Valuation

Is A032830 undervalued compared to its fair value, analyst forecasts and its price relative to the market?

Valuation Score

0/6

Valuation Score 0/6

  • Price-To-Earnings vs Peers

  • Price-To-Earnings vs Industry

  • Price-To-Earnings vs Fair Ratio

  • Below Fair Value

  • Significantly Below Fair Value

  • PEG Ratio

Key Valuation Metric

Which metric is best to use when looking at relative valuation for A032830?

Other financial metrics that can be useful for relative valuation.

A032830 key valuation metrics and ratios. From Price to Earnings, Price to Sales and Price to Book to Price to Earnings Growth Ratio, Enterprise Value and EBITDA.
Key Statistics
Enterprise Value/Revenue1.1x
Enterprise Value/EBITDA545.5x
PEG Ratio1.3x

Price to Earnings Ratio vs Peers

How does A032830's PE Ratio compare to its peers?

A032830 PE Ratio vs Peers
The above table shows the PE ratio for A032830 vs its peers. Here we also display the market cap and forecasted growth for additional consideration.
CompanyPEEstimated GrowthMarket Cap
Peer Average4.6x
A088350 Hanwha Life Insurance
2xn/a₩1.7t
A082640 Tong Yang Life Insurance
3.8x-7.2%₩890.0b
A085620 Mirae Asset Life Insurance
4xn/a₩405.1b
A000810 Samsung Fire & Marine Insurance
8.4x1.5%₩8.4t
A032830 Samsung Life Insurance
17.3x13.3%₩11.2t

Price-To-Earnings vs Peers: A032830 is expensive based on its Price-To-Earnings Ratio (17.3x) compared to the peer average (4.6x).


Price to Earnings Ratio vs Industry

How does A032830's PE Ratio compare vs other companies in the Asian Insurance Industry?

Price-To-Earnings vs Industry: A032830 is expensive based on its Price-To-Earnings Ratio (17.3x) compared to the KR Insurance industry average (5.2x)


Price to Earnings Ratio vs Fair Ratio

What is A032830's PE Ratio compared to its Fair PE Ratio? This is the expected PE Ratio taking into account the company's forecast earnings growth, profit margins and other risk factors.

A032830 PE Ratio vs Fair Ratio.
Fair Ratio
Current PE Ratio17.3x
Fair PE Ratio7.4x

Price-To-Earnings vs Fair Ratio: A032830 is expensive based on its Price-To-Earnings Ratio (17.3x) compared to the estimated Fair Price-To-Earnings Ratio (7.4x).


Share Price vs Fair Value

What is the Fair Price of A032830 when looking at its future cash flows? For this estimate we use a Discounted Cash Flow model.

Below Fair Value: A032830 (₩62600) is trading above our estimate of fair value (₩4209.36)

Significantly Below Fair Value: A032830 is trading above our estimate of fair value.


Price to Earnings Growth Ratio

PEG Ratio: A032830 is poor value based on its PEG Ratio (1.3x)


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Future Growth

How is Samsung Life Insurance forecast to perform in the next 1 to 3 years based on estimates from 12 analysts?

Future Growth Score

1/6

Future Growth Score 1/6

  • Earnings vs Savings Rate

  • Earnings vs Market

  • High Growth Earnings

  • Revenue vs Market

  • High Growth Revenue

  • Future ROE


13.3%

Forecasted annual earnings growth

Earnings and Revenue Growth Forecasts


Analyst Future Growth Forecasts

Earnings vs Savings Rate: A032830's forecast earnings growth (13.3% per year) is above the savings rate (3.6%).

Earnings vs Market: A032830's earnings (13.3% per year) are forecast to grow slower than the KR market (13.9% per year).

High Growth Earnings: A032830's earnings are forecast to grow, but not significantly.

Revenue vs Market: A032830's revenue is expected to decline over the next 3 years (-2.7% per year).

High Growth Revenue: A032830's revenue is forecast to decline over the next 3 years (-2.7% per year).


Earnings per Share Growth Forecasts


Future Return on Equity

Future ROE: A032830's Return on Equity is forecast to be low in 3 years time (4%).


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Past Performance

How has Samsung Life Insurance performed over the past 5 years?

Past Performance Score

0/6

Past Performance Score 0/6

  • Quality Earnings

  • Growing Profit Margin

  • Earnings Trend

  • Accelerating Growth

  • Earnings vs Industry

  • High ROE


-1.0%

Historical annual earnings growth

Earnings and Revenue History

Quality Earnings: A032830 has a large one-off gain of ₩449.5B impacting its March 31 2022 financial results.

Growing Profit Margin: A032830's current net profit margins (2.1%) are lower than last year (6.6%).


Past Earnings Growth Analysis

Earnings Trend: A032830's earnings have declined by 1% per year over the past 5 years.

Accelerating Growth: A032830's has had negative earnings growth over the past year, so it can't be compared to its 5-year average.

Earnings vs Industry: A032830 had negative earnings growth (-69.3%) over the past year, making it difficult to compare to the Insurance industry average (44.2%).


Return on Equity

High ROE: A032830's Return on Equity (2.5%) is considered low.


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Financial Health

How is Samsung Life Insurance's financial position?

Financial Health Score

1/6

Financial Health Score 1/6

  • Short Term Liabilities

  • Long Term Liabilities

  • Debt Level

  • Reducing Debt

  • Debt Coverage

  • Interest Coverage

Financial Position Analysis

Short Term Liabilities: A032830's short term assets (₩11,606.8B) exceed its short term liabilities (₩9,145.3B).

Long Term Liabilities: A032830's short term assets (₩11,606.8B) do not cover its long term liabilities (₩287,420.5B).


Debt to Equity History and Analysis

Debt Level: A032830's net debt to equity ratio (47.7%) is considered high.

Reducing Debt: A032830's debt to equity ratio has increased from 47.9% to 67.5% over the past 5 years.

Debt Coverage: A032830's debt is not well covered by operating cash flow (12.4%).

Interest Coverage: Insufficient data to determine if A032830's interest payments on its debt are well covered by EBIT.


Balance Sheet


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Dividend

What is Samsung Life Insurance current dividend yield, its reliability and sustainability?

Dividend Score

5/6

Dividend Score 5/6

  • Notable Dividend

  • High Dividend

  • Stable Dividend

  • Growing Dividend

  • Earnings Coverage

  • Future Dividend Coverage


4.79%

Current Dividend Yield

Dividend Yield vs Market

Notable Dividend: A032830's dividend (4.79%) is higher than the bottom 25% of dividend payers in the KR market (0.99%).

High Dividend: A032830's dividend (4.79%) is in the top 25% of dividend payers in the KR market (3.16%)


Stability and Growth of Payments

Stable Dividend: A032830's dividend payments have been volatile in the past 10 years.

Growing Dividend: A032830's dividend payments have increased over the past 10 years.


Earnings Payout to Shareholders

Earnings Coverage: At its current payout ratio (82.7%), A032830's payments are covered by earnings.


Cash Payout to Shareholders

Cash Flow Coverage: With its low cash payout ratio (21.7%), A032830's dividend payments are well covered by cash flows.


Discover strong dividend paying companies

Management

How experienced are the management team and are they aligned to shareholders interests?

2.8yrs

Average board tenure


CEO

Young-Muk Jeon

2.25yrs

Tenure

₩7,741,000,000

Compensation

Mr. Young-Muk Jeon serves as President, Chief Executive Officer and Internal Director at Samsung Life Insurance Co., Ltd. since March 19, 2020. Mr. Jeon was the Director and Chief Executive Officer at Sams...


CEO Compensation Analysis

Compensation vs Market: Young-Muk's total compensation ($USD5.96M) is above average for companies of similar size in the KR market ($USD1.04M).

Compensation vs Earnings: Insufficient data to compare Young-Muk's compensation with company performance.


Board Members

Experienced Board: A032830's board of directors are not considered experienced ( 2.8 years average tenure), which suggests a new board.


Ownership

Who are the major shareholders and have insiders been buying or selling?


Insider Trading Volume

Insider Buying: Insufficient data to determine if insiders have bought more shares than they have sold in the past 3 months.


Ownership Breakdown

Dilution of Shares: Shareholders have not been meaningfully diluted in the past year.


Top Shareholders

Company Information

Samsung Life Insurance Co., Ltd.'s employee growth, exchange listings and data sources


Key Information

  • Name: Samsung Life Insurance Co., Ltd.
  • Ticker: A032830
  • Exchange: KOSE
  • Founded: 1957
  • Industry: Life and Health Insurance
  • Sector: Insurance
  • Implied Market Cap: ₩11.241t
  • Shares outstanding: 179.57m
  • Website: https://www.samsunglife.com

Number of Employees


Location

  • Samsung Life Insurance Co., Ltd.
  • 11, Seocho-Daero 74-gil
  • Seocho-Gu
  • Seoul
  • 6620
  • South Korea

Listings


Company Analysis and Financial Data Status

All financial data provided by Standard & Poor's Capital IQ.
DataLast Updated (UTC time)
Company Analysis2022/06/30 00:00
End of Day Share Price2022/06/30 00:00
Earnings2022/03/31
Annual Earnings2021/12/31


Unless specified all financial data is based on a yearly period but updated quarterly. This is known as Trailing Twelve Month (TTM) or Last Twelve Month (LTM) Data. Learn more here.