DB Insurance Co Ltd (005830) Fair Value & Analysis
Financial Services · KR · Market cap 9.4T KRW (≈ $6.6B) · ISIN KR7005830005
What is DB Insurance Co Ltd really worth?
Below-average quality, trading 38% below our fair value of 315,443 KRW.
Risks
For context
Fair value as of: Aug 17, 2026
From 4 valuation models · updated 19 days ago
Share price +25.0% over the past month.
What runs behind every stock
69 individual criteria per stock, every one traceable See the method →
What matters now
- The large discount to fair value meets weak quality (40/100). That raises the risk this is a value trap rather than a bargain.
- The price is below even our cautious bear case (236,582 KRW). The market is more pessimistic than our downside scenario.
- 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 17, 2026.
How to read this chart
60‑month range 33,301 KRW – 203,000 KRW · fair‑value band 236,582 KRW – 394,303 KRW · the 195,700 KRW price screens below the 315,443 KRW fair value. Green steps = our fair value per fiscal year (point-in-time, no hindsight). Dashed = 300-day average. As of Aug 17, 2026.
Analysis
DB Insurance Co Ltd (005830) currently trades at 195,700 KRW, while our model-based Fair Value estimate is 315,443 KRW, implying the stock looks roughly 38.0% undervalued today. The Quality Score stands at 40/100 (below-average quality), in the Financial Services sector. Bull case: the Economic Profit group reads highest at a median of 264,789 KRW per share, and 3 of the 4 models we run sit above the 195,700 KRW price. Bear case: the Asset-Based group reads lowest at 120,214 KRW, and 1 of the 4 models stay below the price. Evidence for this calculation is medium.
Over the trailing twelve months, DB Insurance Co Ltd generated revenue of 21.0T KRW at a net margin of 7.7%. Revenue grew 11.4% year over year. It earns a return on equity of 17.6%. Net debt stands at 459B KRW. Fundamentals as of Aug 17, 2026
Our scenario range runs from 236,582 KRW (bear case) to 394,303 KRW (bull case); at 195,700 KRW, the current price sits below that range. Bear and bull are the same models run on conservative and optimistic assumptions (margins, growth, valuation multiples), so a plausible valuation range, not a price target. The share trades about 5% below its 52-week high and 91% above its 52-week low, currently above its 200-day average. For context, the median of 10 Financial Services peers we cover trades at −3% fair-value upside, at 61%, 005830 screens cheaper than that median.
Fair Value models
Each model estimates fair value its own way; the Fair Value above is the evidence-weighted, family-balanced blend. Evidence (0–100) measures how completely this model’s inputs are available: well-fed models carry more weight in the blend. The spread across models is intentional, each one stresses a different value driver; dividend models, for instance, come out structurally low when payout is small. Every input is real reported data, nothing guessed.
All 4 models by family
Widest divergence: Economic Profit (264,789 KRW) versus Asset-Based (120,214 KRW). Highest evidence: Residual Income (64).
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Key figures & financial health
More key figures
Figures from reported company fundamentals · as of Aug 17, 2026. TTM = trailing twelve months.
Quality Score breakdown
Of which business quality 34 · Market factors (momentum, volatility) 76
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
DB Insurance Co., Ltd. provides various insurance products and services in South Korea. It offers automobile, fire, maritime, driver, travel, comprehensive, health, indemnity/dental, children's, pet, and long-term care insurance. The company was formerly known as Dongbu Insurance Co., Ltd. and changed its name to DB Insurance Co., Ltd. in November 2017.
Full company description
DB Insurance Co., Ltd. provides various insurance products and services in South Korea. It offers automobile, fire, maritime, driver, travel, comprehensive, health, indemnity/dental, children's, pet, and long-term care insurance. The company was formerly known as Dongbu Insurance Co., Ltd. and changed its name to DB Insurance Co., Ltd. in November 2017. The company was founded in 1962 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
DB Insurance Co Ltd reported revenue of 18.7T KRW in FY2025 versus 17.5T KRW in FY2021, a compound +1.7%/yr. Reported net income was 1.8T KRW in FY2025, compounding +19.7%/yr from FY2021.
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Peer Group
Insurance - Property & Casualty · 117 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.
Strength profile in five axes (Snowflake)
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.
Values & ESG
Does this company touch areas you may want to avoid? The classification is inferred from sector and industry.
Similar stocks
10 more Insurance - Property & Casualty stocks, each showing price versus our Fair Value estimate (as of Aug 17, 2026).
| Stock | Price | Fair Value | vs Fair Value |
|---|---|---|---|
| The Progressive Corporation PGR | $217.65 | $160.25 | −26% |
| Chubb Limited CB | $338.31 | $234.73 | −31% |
| The Travelers Companies, Inc TRV | $369.90 | $274.42 | −26% |
| The Allstate Corporation ALL | $260.58 | $316.11 | +21% |
| The People's Insurance Company 601319 | ¥7.14 | ¥11.61 | +63% |
| PICC Property and Casualty Company 2328 | HK$15.25 | HK$22.27 | +46% |
| Intact Financial Corporation IFC | C$274.14 | C$167.46 | −39% |
| Fairfax Financial Holdings FFH | C$2,281 | C$2,926 | +28% |
| QBE Insurance Group QBE | A$22.62 | A$14.20 | −37% |
| Cincinnati Financial Corporation CINF | $171.97 | $166.34 | −3% |
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