Samsung Life (032830) Fair Value & Analysis
Financial Services · KR · Market cap 60.7T KRW (≈ $42.5B) · ISIN KR7032830002
What is Samsung Life really worth?
A solid business, but trading 56% above our fair value of 191,293 KRW.
Strengths
Risks
For context
Fair value as of: Aug 18, 2026
From 6 valuation models · updated 17 days ago
Share price +3.5% over the past month.
What runs behind every stock
69 individual criteria per stock, every one traceable See the method →
What matters now
- The price sits above even our optimistic bull case (239,117 KRW). The favourable scenario is already priced in.
- Solid but not exceptional quality (52/100) and above fair value, neither a clear bargain nor a standout compounder.
- 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 18, 2026.
How to read this chart
60‑month range 47,928 KRW – 497,000 KRW · fair‑value band 143,470 KRW – 239,117 KRW · the 297,500 KRW price screens above the 191,293 KRW fair value. Green steps = our fair value per fiscal year (point-in-time, no hindsight). Dashed = 300-day average. As of Aug 18, 2026.
Analysis
Samsung Life (032830) currently trades at 297,500 KRW, while our model-based Fair Value estimate is 191,293 KRW, implying the stock looks roughly 55.5% overvalued today. The Quality Score stands at 52/100 (solid quality), in the Financial Services sector. Bull case: the Economic Profit group reads highest at a median of 260,257 KRW per share, and 0 of the 6 models we run sit above the 297,500 KRW price. Bear case: the Dividend Discount group reads lowest at 55,793 KRW, and 6 of the 6 models stay below the price. Evidence for this calculation is medium.
Over the trailing twelve months, Samsung Life generated revenue of 20.0T KRW at a net margin of 11.5%. Revenue grew 29.4% year over year. It earns a return on equity of 4.8%. Net debt stands at 17.1T KRW. Fundamentals as of Aug 18, 2026
Our scenario range runs from 143,470 KRW (bear case) to 239,117 KRW (bull case); at 297,500 KRW, the current price sits above 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 39% below its 52-week high and 170% above its 52-week low, currently above its 200-day average. For context, the median of 10 Financial Services peers we cover trades at −29% fair-value upside, at −36%, 032830 screens richer 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 6 models by family
Widest divergence: Economic Profit (260,257 KRW) versus Dividend Discount (55,793 KRW). Highest evidence: Residual Income (76).
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Key figures & financial health
More key figures
Figures from reported company fundamentals · as of Aug 18, 2026. TTM = trailing twelve months.
Quality Score breakdown
Of which business quality 47 · Market factors (momentum, volatility) 59
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
Samsung Life Insurance Co., Ltd., together with its subsidiaries, engages in the life insurance business to corporate and individual customers in South Korea and internationally. The company operates through Domestic Insurance; Credit Card Service, Installment Financing and Leasing; and Overseas segments.
Full company description
Samsung Life Insurance Co., Ltd., together with its subsidiaries, engages in the life insurance business to corporate and individual customers in South Korea and internationally. The company operates through Domestic Insurance; Credit Card Service, Installment Financing and Leasing; and Overseas segments. It also offers various loan products for companies, household, and stocks and bonds, as well as mortgage loans; and retirement pension, funds, and asset management services. The company was formerly known as Dongbang Life Insurance and changed its name to Samsung Life Insurance Co., Ltd. in July 1989. Samsung Life Insurance Co., Ltd. was founded in 1957 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
Samsung Life reported revenue of 28.5T KRW in FY2025 versus 28.5T KRW in FY2021, a compound 0.0%/yr. Reported net income was 2.3T KRW in FY2025, compounding +11.9%/yr from FY2021.
032830 screens 56% overvalued. Compare with China Life Insurance Company →
Peer Group
Insurance - Life · 96 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.
Valuation Multiples vs Insurance - Life median · lower = cheaper
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.
VALUE 0: the price sits above our fair-value range.
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 - Life stocks, each showing price versus our Fair Value estimate (as of Aug 18, 2026).
| Stock | Price | Fair Value | vs Fair Value |
|---|---|---|---|
| China Life Insurance Company 601628 | ¥37.03 | ¥49.98 | +35% |
| Ping An Insurance (Group) Company 601318 | ¥55.82 | ¥84.72 | +52% |
| AIA Group 1299 | HK$73.00 | HK$33.57 | −54% |
| Manulife Financial Corporation MFC | C$59.80 | C$38.80 | −35% |
| Aflac Incorporated AFL | $116.52 | $74.34 | −36% |
| Great-West Lifeco Inc GWO | C$90.25 | C$39.53 | −56% |
| MetLife, Inc MET | $96.51 | $68.27 | −29% |
| Life Insurance Corporation LICI | ₹412.15 | ₹392.93 | −5% |
| China Pacific Insurance (Group) Co 601601 | ¥30.20 | ¥57.51 | +90% |
| Power Corporation POW | C$94.43 | C$31.01 | −67% |
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