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A088

Hanwha Life Insurance KOSE:A088350 Stock Report

Last Price

₩2.55k

Market Cap

₩1.9t

7D

-4.1%

1Y

-33.9%

Updated

16 May, 2022

Data

Company Financials +
A088350 fundamental analysis
Snowflake Score
Valuation3/6
Future Growth0/6
Past Performance4/6
Financial Health3/6
Dividends3/6

A088350 Stock Overview

Hanwha Life Insurance Co., Ltd. provides various insurance products to individual and corporate customers in South Korea, Vietnam, China, Indonesia, and internationally.

Hanwha Life Insurance Competitors

Price History & Performance

Summary of all time highs, changes and price drops for Hanwha Life Insurance
Historical stock prices
Current Share Price₩2,550.00
52 Week High₩4,065.00
52 Week Low₩2,460.00
Beta1.44
1 Month Change-17.74%
3 Month Change-19.69%
1 Year Change-33.85%
3 Year Change-25.87%
5 Year Change-62.99%
Change since IPO-71.19%

Recent News & Updates

Shareholder Returns

A088350KR InsuranceKR Market
7D-4.1%0.06%0.006%
1Y-33.9%-4.4%-15.8%

Return vs Industry: A088350 underperformed the KR Insurance industry which returned -5.9% over the past year.

Return vs Market: A088350 underperformed the KR Market which returned -15.2% over the past year.

Price Volatility

Is A088350's price volatile compared to industry and market?
A088350 volatility
A088350 Average Weekly Movement4.2%
Insurance Industry Average Movement4.7%
Market Average Movement5.5%
10% most volatile stocks in KR Market10.3%
10% least volatile stocks in KR Market3.2%

Stable Share Price: A088350 is less volatile than 75% of KR stocks over the past 3 months, typically moving +/- 4% a week.

Volatility Over Time: A088350's weekly volatility (4%) has been stable over the past year.

About the Company

FoundedEmployeesCEOWebsite
19462,602Seung-Joo Yeohttps://www.hanwhalife.com

Hanwha Life Insurance Co., Ltd. provides various insurance products to individual and corporate customers in South Korea, Vietnam, China, Indonesia, and internationally. The company offers health, retirement, investment, group, accident, and savings insurance products; retirement pension plans; consulting services; and asset management products. It offers its products through financial planner, group financial planner, general agency, and bancassurance, as well as through online.

Hanwha Life Insurance Fundamentals Summary

How do Hanwha Life Insurance's earnings and revenue compare to its market cap?
A088350 fundamental statistics
Market Cap₩1.92t
Earnings (TTM)₩1.10t
Revenue (TTM)₩23.77t

1.7x

P/E Ratio

0.1x

P/S Ratio

Earnings & Revenue

Key profitability statistics from the latest earnings report
A088350 income statement (TTM)
Revenue₩23.77t
Cost of Revenue₩17.14t
Gross Profit₩6.62t
Other Expenses₩5.53t
Earnings₩1.10t

Last Reported Earnings

Dec 31, 2021

Next Earnings Date

n/a

Earnings per share (EPS)1.46k
Gross Margin27.87%
Net Profit Margin4.61%
Debt/Equity Ratio52.1%

How did A088350 perform over the long term?

See historical performance and comparison

Dividends

1.2%

Current Dividend Yield

2%

Payout Ratio

Valuation

Is Hanwha Life Insurance undervalued compared to its fair value and its price relative to the market?

Valuation Score

3/6

Valuation Score 3/6

  • Below Fair Value

  • Significantly Below Fair Value

  • PE vs Industry

  • PE vs Market

  • PEG Ratio

  • PB vs Industry


1.75x

Price to Earnings (PE) ratio

Share Price vs. Fair Value

Below Fair Value: Insufficient data to calculate A088350's fair value for valuation analysis.

Significantly Below Fair Value: Insufficient data to calculate A088350's fair value for valuation analysis.


Price To Earnings Ratio

PE vs Industry: A088350 is good value based on its PE Ratio (1.7x) compared to the KR Insurance industry average (5.8x).

PE vs Market: A088350 is good value based on its PE Ratio (1.7x) compared to the KR market (14.2x).


Price to Earnings Growth Ratio

PEG Ratio: Insufficient data to calculate A088350's PEG Ratio to determine if it is good value.


Price to Book Ratio

PB vs Industry: A088350 is good value based on its PB Ratio (0.2x) compared to the KR Insurance industry average (0.5x).


Future Growth

How is Hanwha Life Insurance forecast to perform in the next 1 to 3 years based on estimates from 2 analysts?

Future Growth Score

0/6

Future Growth Score 0/6

  • Earnings vs Savings Rate

  • Earnings vs Market

  • High Growth Earnings

  • Revenue vs Market

  • High Growth Revenue

  • Future ROE


-50.5%

Forecasted annual revenue growth

Earnings and Revenue Growth Forecasts


Analyst Future Growth Forecasts

Earnings vs Savings Rate: Insufficient data to determine if A088350's forecast earnings growth is above the savings rate (3.5%).

Earnings vs Market: Insufficient data to determine if A088350's earnings are forecast to grow faster than the KR market

High Growth Earnings: Insufficient data to determine if earnings are expected to grow significantly over the next 3 years.

Revenue vs Market: A088350's revenue is expected to decline over the next 3 years (-50.5% per year).

High Growth Revenue: A088350's revenue is forecast to decline over the next 3 years (-50.5% per year).


Earnings per Share Growth Forecasts


Future Return on Equity

Future ROE: A088350's Return on Equity is forecast to be low in 3 years time (4.2%).


Past Performance

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

Past Performance Score

4/6

Past Performance Score 4/6

  • Quality Earnings

  • Growing Profit Margin

  • Earnings Trend

  • Accelerating Growth

  • Earnings vs Industry

  • High ROE


-10.9%

Historical annual earnings growth

Earnings and Revenue History

Quality Earnings: A088350 has high quality earnings.

Growing Profit Margin: A088350's current net profit margins (4.6%) are higher than last year (0.4%).


Past Earnings Growth Analysis

Earnings Trend: A088350's earnings have declined by 10.9% per year over the past 5 years.

Accelerating Growth: A088350's earnings growth over the past year (937.2%) exceeds its 5-year average (-10.9% per year).

Earnings vs Industry: A088350 earnings growth over the past year (937.2%) exceeded the Insurance industry 41.8%.


Return on Equity

High ROE: A088350's Return on Equity (9.3%) is considered low.


Financial Health

How is Hanwha Life Insurance's financial position?

Financial Health Score

3/6

Financial Health Score 3/6

  • Short Term Liabilities

  • Long Term Liabilities

  • Debt Level

  • Reducing Debt

  • Debt Coverage

  • Interest Coverage

Financial Position Analysis

Short Term Liabilities: A088350's short term assets (₩21,862.3B) exceed its short term liabilities (₩8,233.1B).

Long Term Liabilities: A088350's short term assets (₩21,862.3B) do not cover its long term liabilities (₩141,938.7B).


Debt to Equity History and Analysis

Debt Level: A088350 has more cash than its total debt.

Reducing Debt: A088350's debt to equity ratio has increased from 4.7% to 52.1% over the past 5 years.

Debt Coverage: A088350's debt is well covered by operating cash flow (79.6%).

Interest Coverage: Insufficient data to determine if A088350's interest payments on its debt are well covered by EBIT.


Balance Sheet


Dividend

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

Dividend Score

3/6

Dividend Score 3/6

  • Notable Dividend

  • High Dividend

  • Stable Dividend

  • Growing Dividend

  • Earnings Coverage

  • Future Dividend Coverage


1.18%

Current Dividend Yield

Dividend Yield vs Market

Notable Dividend: A088350's dividend (1.18%) is higher than the bottom 25% of dividend payers in the KR market (0.85%).

High Dividend: A088350's dividend (1.18%) is low compared to the top 25% of dividend payers in the KR market (2.75%).


Stability and Growth of Payments

Stable Dividend: Whilst dividend payments have been stable, A088350 has been paying a dividend for less than 10 years.

Growing Dividend: A088350 has only been paying a dividend for 2 years, and since then payments have not increased.


Earnings Payout to Shareholders

Earnings Coverage: With its low payout ratio (2.1%), A088350's dividend payments are thoroughly covered by earnings.


Cash Payout to Shareholders

Cash Flow Coverage: With its low cash payout ratio (0.4%), A088350's dividend payments are thoroughly covered by cash flows.


Next Steps

Management

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

2.5yrs

Average management tenure


CEO

Seung-Joo Yeo (61 yo)

3.17yrs

Tenure

Mr. Seung-Joo Yeo serves as an Inside Director at Hanwha Life Insurance Co., Ltd., since March 2019 and has been its Chief Executive Officer and President since March 25, 2019. Mr. Yeo serves as Head of Bu...


Leadership Team

Experienced Management: A088350's management team is considered experienced (2.5 years average tenure).


Board Members

Experienced Board: A088350's board of directors are not considered experienced ( 1.2 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

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


Key Information

  • Name: Hanwha Life Insurance Co., Ltd.
  • Ticker: A088350
  • Exchange: KOSE
  • Founded: 1946
  • Industry: Life and Health Insurance
  • Sector: Insurance
  • Implied Market Cap: ₩1.916t
  • Shares outstanding: 751.39m
  • Website: https://www.hanwhalife.com

Number of Employees


Location

  • Hanwha Life Insurance Co., Ltd.
  • 63 Hanwha Life Building
  • 50 63-ro, Yeoeuido-dong
  • Seoul
  • 7345
  • South Korea

Listings


Company Analysis and Financial Data Status

All financial data provided by Standard & Poor's Capital IQ.
DataLast Updated (UTC time)
Company Analysis2022/05/16 00:00
End of Day Share Price2022/05/16 00:00
Earnings2021/12/31
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.