DB Insurance Co Ltd (005830) fair value: what the stock is really worth
We calculate from audited financials what DB Insurance Co Ltd 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, free.
Compare price with fair valuebelow fair value = cheap, above = expensive
Check the quality50 and up solid, 75 and up strong
Watch it or check another stockalert when fair value or trend changes
Below-average quality, trading 41% below our fair value of 315,443 KRW.
As of Aug 17, 2026, the fair value of DB Insurance Co Ltd is 315,443 KRW per share against a price of 186,200 KRW, so the fair value sits 69% above the price. A model estimate from reported figures, not an analyst target.
!Expensive Growth (revenue 5y +2.5 %/yr)
!Thin margins · 7.6% net margin
!Low debt · negative free cash flow
·4.08% dividend yield
!Mixed vs. peers (4/9)
!Narrow moat 38/100
!Evidence only medium, so the estimate is less certain
Evidence: MediumRange 236,582 KRW to 394,303 KRW
Fair value as of: Aug 17, 2026
From 4 valuation models · updated 25 days ago
Share price +13.2% over the past month.
This is the short version. In the app for DB Insurance Co Ltd:
Watch DB Insurance Co Ltd for free, get notified when fair value or trend changes. Plus fair value for all 35,000+ stocks, 14 days of Pro free, no card.Watch for free
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 186,200 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.
DB Insurance Co Ltd (005830) currently trades at 186,200 KRW, while our model-based Fair Value estimate is 315,443 KRW, implying the stock looks roughly 41.0% 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 186,200 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
Scenario range: 236,582 KRW (bear) to 394,303 KRW (bull), the price of 186,200 KRW sits below it. Bear and bull are the same models on cautious and optimistic assumptions, a range, not a price target. The share trades about 9% below its 52-week high and 82% 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 69%, 005830 screens cheaper than that median.
Fair Value models
Each model values the company its own way; the fair value above is the evidence-weighted blend. Evidence (0 to 100) shows how complete a model's inputs are. How we calculate →
ModelBear ⓘ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
Free, no payment details. Unsubscribe anytime in one click.
Key figures & financial health
P/S ratio0.41TTM
Dividend yield4.1%
Net margin9.6%FY2025
Return on equity17.6%TTM
Return on assets (EBIT)1.7%avg 5y
Operating margin8.0%TTM
More key figures
Growth
Revenue (TTM)21.0T KRWTTM
Revenue growth (YoY)+11.4%3y avg +7.5%
EPS growth (YoY)+101%
Balance sheet & cash flow
Free cash flow−392B KRWFY2025
Net debt459B KRWFY2025
Figures from reported company fundamentals · as of Aug 17, 2026. TTM = trailing twelve months.
Quality Score breakdown
Overall quality40/100
Of which business quality 34
· Market factors (momentum, volatility) 71
Profitability31
Margins and returns on capital today
Quality Growth43
Are margins and returns improving?
Cashflow10
Earnings quality: real cash, not paper profit
Fin. Strength10
Balance sheet, leverage, solvency risk
Investment59
Disciplined investing over empire-building
Low Volatility67
Calm price path (market factor)
Momentum66
Price trend over the last 3–12 months (market factor)
52W Momentum83
Distance to the 52-week high (market factor)
Net Issuance82
Buybacks instead of dilution
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.
Growth Quality 36/100
The company is growing, but growth may require heavy reinvestment or weak cash conversion.
Latest Revenue (FY 2025)
18.7T KRW
Latest YoY
+8.3%
Avg. revenue growth/yr (3Y) ⓘ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.
+7.5%
Avg. revenue growth/yr (5Y) ⓘ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.
+2.5%
Avg. revenue growth/yr (26Y) ⓘ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.
+8.4%
Value creation/yr (5Y, in KRW) ⓘEarnings growth per share (CAGR 5 years) plus dividend yield: value created per share and year. 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.
+30.3%
Earnings growth per share plus dividend yield: the value created per share and year.
Earnings growth per share+26.2%
Dividend yield4.1%
Operating margin (EBIT) ⓘ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.4.3% (2014) → 1.8% (2019) · falling
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.
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.
This stockSector peers
VALUE100· sector 23
FUTURE53· sector 31
PAST65· sector 57
HEALTH87· sector 92
DIVIDEND82· sector 49
Values & ESG
Does this company touch areas you may want to avoid? The classification is inferred from sector and industry.
None of the checked exposures detected
Similar stocks
10 more Insurance - Property & Casualty stocks, each showing price versus our Fair Value estimate (as of Aug 17, 2026).
Is DB Insurance Co Ltd (005830) overvalued or undervalued?
As of Aug 17, 2026, our model estimates a fair value of 315,443 KRW versus a price of 186,200 KRW, about +69% upside (undervalued).
What is the fair value of 005830?
Our model-based fair value for DB Insurance Co Ltd is 315,443 KRW (as of Aug 17, 2026), built from audited fundamentals. The current price: 186,200 KRW.
What is the quality score of 005830?
DB Insurance Co Ltd has a Quality Score of 40/100. 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 DB Insurance Co Ltd (005830)?
Our model-based price target is the fair value of 315,443 KRW (as of Aug 17, 2026) from 4 valuation models. Cautious scenario 236,582 KRW, optimistic scenario 394,303 KRW. It is a calculation from audited fundamentals, not an analyst target.
What is the DB Insurance Co Ltd stock forecast for 2026?
Our models put fair value at 315,443 KRW, about +69% upside versus a price of 186,200 KRW (undervalued). Cautious scenario 236,582 KRW, optimistic scenario 394,303 KRW. The calculation is refreshed regularly with new filings.
What is the revenue of DB Insurance Co Ltd (005830)?
DB Insurance Co Ltd reported trailing-twelve-month revenue of about 21.0T KRW (latest available figure, as of Aug 17, 2026).
What is the net profit margin of 005830?
The net profit margin of DB Insurance Co Ltd is about 7.7%, meaning it keeps roughly 7.7% of revenue as net income. Based on the latest reported figures.
Does DB Insurance Co Ltd pay a dividend?
DB Insurance Co Ltd currently shows a dividend yield of about 4.08% relative to its recent price (as of Aug 17, 2026).
What is the intrinsic value of DB Insurance Co Ltd (005830)?
Intrinsic value and fair value mean the same thing: what the business is worth on its numbers, independent of the share price. For DB Insurance Co Ltd it is 315,443 KRW per share (as of Aug 17, 2026), against a price of 186,200 KRW. It is the blended result of 4 valuation models (cash flow, earnings, asset, dividend).
Is DB Insurance Co Ltd stock overvalued or undervalued in 2026?
As of Aug 17, 2026, 005830 trades below its calculated fair value: price 186,200 KRW, fair value 315,443 KRW, a gap of about +69% (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 005830?
No. The price is what the market pays today (186,200 KRW); the fair value is what the company's own numbers justify (315,443 KRW). For DB Insurance Co Ltd the two are 129,243 KRW per share apart. That gap is exactly why we show both numbers side by side.
How much is DB Insurance Co Ltd worth?
The market values DB Insurance Co Ltd at about 11.2T KRW (market capitalisation, as of Aug 17, 2026). Per share that is 186,200 KRW; our models calculate a fair value of 315,443 KRW per share.
What do the bullish and bearish scenarios say about 005830?
Our models span a range for DB Insurance Co Ltd: cautious scenario 236,582 KRW, base 315,443 KRW, optimistic 394,303 KRW per share (as of Aug 17, 2026, price 186,200 KRW). The range comes from different growth and margin assumptions, not from analyst opinions.
How solid is the balance sheet of DB Insurance Co Ltd (005830)?
Balance-sheet figures for DB Insurance Co Ltd (as of Aug 17, 2026): return on equity 16.1%, debt of 0.25 per unit of equity. They feed the Quality Score of 40/100, which measures business quality independently of the share price.
How far is 005830 from its 52-week high?
DB Insurance Co Ltd trades at 186,200 KRW, about 9% below its 52-week high of 205,647 KRW and 82% above the low of 102,439 KRW (as of Aug 17, 2026). Distance from the high says nothing about value: that is what the fair value of 315,443 KRW is for.
Which stocks are comparable to DB Insurance Co Ltd?
From the same area (Financial Services) we also value The Progressive Corporation, Chubb Limited, The Travelers Companies, Inc, The Allstate 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 DB Insurance Co Ltd stock attractive at the current price?
The data as of Aug 17, 2026: price 186,200 KRW, calculated fair value 315,443 KRW (+69%), Quality Score 40/100, 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 005830 calculated?
We run DB Insurance Co Ltd 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 315,443 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 32.6 % above its aggregate fair value. DB Insurance Co Ltd currently trades 69 % 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 <a href="/is-it-worth-investing-now/">is it worth investing now</a>.
Free · no account needed
Watch DB Insurance Co Ltd in the live analysis
One click puts DB Insurance Co Ltd on your watchlist: fair value and trend at a glance, plus comparison, the diversification check and the 35,000+ stock screener. You can also try 14 days of Pro there, no card.
