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Korea's largest non-life insurer, selling auto, fire/property, marine and long-term health insurance.
Korea's largest non-life insurer, selling auto, fire/property, marine and long-term health insurance.
Earns insurance premiums, which it invests until claims are paid, so results combine underwriting (premiums minus claims) and investment return. Long-term health and savings policies make up more of premiums than auto cover, and auto rates face regulatory pressure. It belongs to the Samsung group and holds shares in group companies.
In one line: Korea's Allstate/Progressive — the largest property & casualty insurer..
Moat: narrow (scale, brand, distribution). Korea's largest P&C insurer by premium, with an extensive agent/digital distribution network and Samsung group brand trust.
Headquarters: Seoul, South Korea · Founded: 1952 · Employees: 5,535
Size SamsungF&MIns (000810.KS) is a South Korea Financials company (Property/Casualty Insurance) with a market value of $17.2B, the 23rd largest of 495 South Korea companies the cockpit tracks. Shares closed at ₩604,000 on 6 Nov 2026.
Performance Over six months the shares gained 31.0%, against +17.3% for the median peer and -24.5% for the South Korea market (cap-weighted) — 2nd highest of 21 in its peer set.
Growth Revenue grew 4.9% over the last twelve months (peer median +2.3%); the operating margin is 8.4% (peer median 14.7%).
Valuation It trades at 0.71× book value against a peer median of 2.04× (cheapest of 21).
Price implies The share price implies a return on equity of about 4.8%; SamsungF&MIns delivers 8.1%, so the price asks less than the business earns today.
Next results Next results expected around 12 Nov 2026 (exchange calendar; dates can move).
| TTM | FY2025 | FY2024 | FY2023 | FY2022 | |
|---|---|---|---|---|---|
| Revenue | ₩23.1T | ₩22.8T | ₩20.7T | ₩19.6T | ₩17.9T |
| Revenue growth | — | +10% | +6% | +9% | — |
| Net income | ₩2.15T | ₩2.02T | ₩2.07T | ₩1.82T | ₩1.62T |
| Free cash flow | ₩4.83T | ₩3.63T | ₩4.00T | ₩25.9B | -₩158B |
| Capital expenditure | ₩89.0B | ₩66.7B | ₩70.9B | ₩75.1B | ₩60.2B |
| Total debt | ₩478B | ₩433B | ₩418B | ₩149B | ₩172B |
The default views of Competitor Analysis ▸ Charts, drawn from the same data. Open them in the cockpit to change the axes, pin companies and read every value.
| Company | Market cap | 6M return | Revenue growth | ROE | Price / book | Implied ROE |
|---|---|---|---|---|---|---|
| SamsungF&MIns 000810.KS | $17.2B | +31% | +5% | 8% | 0.71× | 4.8% |
| Db Insurance 005830.KS | $6.90B | +2% | -14% | 17% | 0.85× | 5.1% |
| KBFinancialGroup 105560.KS | $37.5B | -5% | +32% | 10% | 0.99× | 5.6% |
| Meritz Financial 138040.KS | $15.7B | +18% | +31% | 24% | 2.10× | 8.2% |
Peer set: Industry: the same industry and sector in any market, nearest in size. This is the same default set the interactive Competitor Analysis opens with.
| Measure | 000810.KS | Peer median | Rank in peer set |
|---|---|---|---|
| 1-month return | -4.0% | +10.0% | lowest of 21 |
| 6-month return | +31.0% | +17.3% | 2nd highest of 21 |
| Return on equity | 8.1% | 16.1% | 2nd lowest of 21 |
| Price / book | 0.71× | 2.04× | cheapest of 21 |
| Trailing P/E | 12.0× | 12.7× | 9th cheapest of 20 |
| ROE the price implies | 4.8% | 10.5% | least demanding of 21 |
| ROE delivered | 8.1% | 15.8% | 3rd lowest of 20 |
| Company | Market | Market cap | 6M return | Revenue growth | ROE | Price / book | Implied ROE | Delivered ROE |
|---|---|---|---|---|---|---|---|---|
| SamsungF&MIns 000810.KS | South Korea | $17.2B | +31% | +5% | 8% | 0.71× | 4.8% | 8.1% |
| Admiral ADM.L | United Kingdom | $16.1B | +23% | 0% | 46% | 8.04× | 33.5% | 45.6% |
| Everest EG | United States | $15.2B | +18% | -9% | 13% | 1.08× | 6.6% | 12.8% |
| Assurant AIZ | United States | $15.1B | +29% | +9% | 44% | 2.60× | 14.6% | 44.2% |
| Insurance Australia IAG.AX | Australia | $14.4B | +17% | +9% | 14% | 2.87× | 13.1% | 14.0% |
| RenaissanceRe RNR | United States | $14.0B | +16% | -21% | 13% | 1.34× | 7.5% | 13.4% |
| Loews L | United States | $22.2B | +5% | +3% | 8% | 1.22× | 8.3% | 8.1% |
| American Financial AFG | United States | $12.8B | +18% | +3% | 18% | 2.67× | 15.1% | n/a |
| Erie Indemnity ERIE | United States | $12.7B | +26% | +2% | 24% | 4.98× | 19.7% | 23.7% |
| Markel MKL | United States | $23.7B | +7% | -1% | 10% | 1.28× | 9.2% | 9.6% |
| QBE Insurance QBE.AX | Australia | $27.7B | +19% | +3% | 19% | 2.37× | 11.3% | 19.1% |
| Sampo SAMPO.HE | Finland | $29.1B | +10% | +2% | 16% | 3.60× | 11.3% | 16.5% |
| Hanover Insurance THG | United States | $8.35B | +28% | +5% | 22% | 2.43× | 11.2% | 21.8% |
| Hartford (The) HIG | United States | $35.8B | +1% | +4% | 23% | 1.94× | 11.3% | 22.7% |
| Scor SCR.PA | France | $6.96B | +10% | -4% | 19% | 1.44× | 9.8% | 18.8% |
| Fairfax Financial FFH.TO | Canada | $42.7B | +21% | -1% | 16% | 1.40× | 7.0% | 15.8% |
| Definity Financial DFY.TO | Canada | $6.47B | +14% | +35% | 12% | 2.13× | 7.6% | 11.7% |
| Hagerty HGTY | United States | $6.18B | +79% | +1% | 5% | 8.42× | 53.7% | 4.6% |
| PICC Property & Casualty 2328.HK | Hong Kong | $48.9B | +16% | +9% | 17% | 1.09× | 5.8% | 16.5% |
| Selective Insurance SIGI | United States | $5.87B | +17% | +4% | 15% | 1.81× | 9.1% | 14.7% |
| MGIC Investment MTG | United States | $5.87B | +7% | -2% | 14% | 1.18× | 8.9% | 13.9% |