Heungkuk Fire&Marine Insurance Co., Ltd. Logo

Heungkuk Fire&Marine Insurance Co., Ltd.

000545.KS

(2.8)
Stock Price

4.750,00 KRW

2.13% ROA

24.65% ROE

0.9x PER

Market Cap.

226.133.948.480,00 KRW

63.83% DER

0% Yield

8.79% NPM

Heungkuk Fire&Marine Insurance Co., Ltd. Stock Analysis

Heungkuk Fire&Marine Insurance Co., Ltd. Fundamental Analysis

Fundamental analysis in stock investing is like studying the foundation of a house before buying it. It involves looking at a company's financial health, like its earnings, assets, and debts, to determine if it's a good investment based on its fundamental strength and potential for growth.

Heungkuk Fire&Marine Insurance Co., Ltd. Fundamental Stock Analysis
# Analysis Rating
1 ROE

The stock's ROE exceeds expectations (22.65%), revealing strong profitability and efficient use of shareholders' equity, making it an attractive investment opportunity.

2 PBV

The stock's low PBV ratio (0.4x) suggests it's undervalued, making it an attractive opportunity for investors.

3 DER

The stock has a low debt to equity ratio (0%), which means it has a small amount of debt compared to the ownership it holds

4 ROA

The stock's ROA (2.15%) indicates that it's doing well in making money from the things it owns. This makes it a good option to invest and make consistent profits.

5 Revenue Growth

This company's revenue has shown remarkable growth over the past three years, making it an excellent choice for seeking a consistently prosperous investment.

6 Net Profit Growth

This company's net profit has consistently grown over the past three years, showcasing a positive financial trend and making it an appealing investment opportunity.

7 Graham Number

The Graham number analysis indicates that this company's stock price is likely undervalued, raising prospects for a favorable investment opportunity.

8 Buffet Intrinsic Value

The company's stock seems undervalued (48.089) by Warren Buffett's formula, indicating a promising investment opportunity as its intrinsic value exceeds the market price.

9 Assets Growth

Company's revenue has remained stagnant over the past three years, indicating a lack of growth and making it a less favorable option.

10 Dividend Growth

The company's dividend growth has been flat for the past three years, raising concerns for potential investors seeking reliable returns.

11 Dividend

No dividends from the company in the past three years raises doubts about its profitability for shareholders.

Heungkuk Fire&Marine Insurance Co., Ltd. Technical Analysis

Technical analysis in stock investing is like reading the patterns on a weather map to predict future weather conditions. It involves studying past stock price movements and trading volumes to make predictions about where a stock's price might go next, without necessarily looking at the company's financial health.

Heungkuk Fire&Marine Insurance Co., Ltd. Technical Stock Analysis
# Analysis Recommendation
1 Awesome Oscillator Hold
2 MACD Sell
3 RSI Hold
4 Stoch RSI Buy

Heungkuk Fire&Marine Insurance Co., Ltd. Price Chart

Financial Statements

Financial statements are like report cards for companies. They show how much money a company makes (income statement), what it owns and owes (balance sheet), and where it spends its money (cash flow statement), helping stock investors understand if a company is healthy and worth investing in.

Income Statements

An income statement for a company is like a scoreboard for its profits and losses. It shows how much money the company made (revenue) and how much it spent to make that money (expenses), helping stock investors see if a company is making a profit or not.

Revenue in stock investing is the total amount of money a company earns from its sales, and it's a key factor that investors consider to assess a company's financial performance and growth potential.

Heungkuk Fire&Marine Insurance Co., Ltd. Revenue
Year Revenue Growth
2006 953.666.000.000
2007 1.139.853.000.000 16.33%
2008 1.677.228.000.000 32.04%
2009 2.218.337.000.000 24.39%
2010 2.761.863.000.000 19.68%
2011 3.096.510.000.000 10.81%
2012 3.562.674.000.000 13.08%
2013 2.774.433.000.000 -28.41%
2014 3.767.274.000.000 26.35%
2015 4.163.958.000.000 9.53%
2016 4.237.652.000.000 1.74%
2017 4.095.959.000.000 -3.46%
2018 4.065.100.000.000 -0.76%
2019 2.739.583.000.000 -48.38%
2020 2.899.280.000.000 5.51%
2021 2.889.714.000.000 -0.33%
2022 2.841.556.000.000 -1.69%
2023 0 0%
2023 2.881.252.000.000 100%
2024 2.787.972.000.000 -3.35%

Research and Development Expenses are the costs a company incurs to create and improve its products or services, which can be important for investors to evaluate a company's innovation and potential for future growth.

Heungkuk Fire&Marine Insurance Co., Ltd. Research and Development Expenses
Year Research and Development Expenses Growth
2006 0
2007 0 0%
2008 0 0%
2009 0 0%
2010 0 0%
2011 0 0%
2012 0 0%
2013 0 0%
2014 0 0%
2015 0 0%
2016 0 0%
2017 0 0%
2018 0 0%
2019 0 0%
2020 0 0%
2021 0 0%
2022 0 0%
2023 0 0%
2023 0 0%
2024 0 0%

General and Administrative Expenses are the costs a company incurs to run its day-to-day operations, such as office rent, salaries, and utilities, which investors consider to understand a company's overall efficiency and management effectiveness.

Heungkuk Fire&Marine Insurance Co., Ltd. General and Administrative Expenses
Year General and Administrative Expenses Growth
2006 66.095.000.000
2007 68.628.000.000 3.69%
2008 84.535.000.000 18.82%
2009 99.186.000.000 14.77%
2010 107.131.000.000 7.42%
2011 86.932.000.000 -23.24%
2012 116.454.000.000 25.35%
2013 108.567.000.000 -7.26%
2014 164.907.000.000 34.16%
2015 170.921.000.000 3.52%
2016 185.051.000.000 7.64%
2017 157.412.000.000 -17.56%
2018 169.688.000.000 7.23%
2019 177.801.000.000 4.56%
2020 177.842.000.000 0.02%
2021 198.209.000.000 10.28%
2022 148.187.000.000 -33.76%
2023 0 0%
2023 0 0%
2024 0 0%

EBITDA stands for Earnings Before Interest, Taxes, Depreciation, and Amortization. It is a measure that helps stock investors analyze a company's profitability by looking at its earnings without considering certain expenses. This helps to get a clearer picture of the company's financial performance and its ability to generate cash flow.

Heungkuk Fire&Marine Insurance Co., Ltd. EBITDA
Year EBITDA Growth
2006 -75.888.000.000
2007 -66.385.000.000 -14.31%
2008 -7.233.000.000 -817.81%
2009 -9.987.000.000 27.58%
2010 -62.282.000.000 83.96%
2011 63.098.000.000 198.71%
2012 -316.646.000.000 119.93%
2013 33.066.000.000 1057.62%
2014 64.560.000.000 48.78%
2015 47.404.000.000 -36.19%
2016 39.639.000.000 -19.59%
2017 131.780.000.000 69.92%
2018 84.999.000.000 -55.04%
2019 14.226.000.000 -497.49%
2020 98.912.000.000 85.62%
2021 -3.167.000.000 3223.21%
2022 234.536.000.000 101.35%
2023 100.220.000.000 -134.02%
2023 19.021.345.787 -426.88%
2024 13.580.621.748 -40.06%

Gross profit is the money a company makes from selling its products or services after subtracting the cost of producing or providing them, and it is an important measure for investors to understand a company's profitability.

Heungkuk Fire&Marine Insurance Co., Ltd. Gross Profit
Year Gross Profit Growth
2006 953.666.000.000
2007 1.139.853.000.000 16.33%
2008 1.677.228.000.000 32.04%
2009 2.218.337.000.000 24.39%
2010 2.761.863.000.000 19.68%
2011 3.096.510.000.000 10.81%
2012 3.562.674.000.000 13.08%
2013 2.774.433.000.000 -28.41%
2014 3.767.274.000.000 26.35%
2015 4.163.958.000.000 9.53%
2016 4.237.652.000.000 1.74%
2017 4.095.959.000.000 -3.46%
2018 4.065.100.000.000 -0.76%
2019 2.739.583.000.000 -48.38%
2020 2.899.280.000.000 5.51%
2021 2.889.714.000.000 -0.33%
2022 2.841.556.000.000 -1.69%
2023 0 0%
2023 3.242.336.780.000 100%
2024 2.787.972.000.000 -16.3%

Net income in stock investing is like the money a company actually gets to keep as profit after paying all its bills, and it's an important measure to understand how well a company is doing financially.

Heungkuk Fire&Marine Insurance Co., Ltd. Net Profit
Year Net Profit Growth
2006 -83.393.000.000
2007 -75.632.000.000 -10.26%
2008 -17.664.000.000 -328.17%
2009 -19.469.000.000 9.27%
2010 -64.897.000.000 70%
2011 56.508.000.000 214.85%
2012 73.634.000.000 23.26%
2013 11.939.000.000 -516.75%
2014 32.040.000.000 62.74%
2015 19.653.000.000 -63.03%
2016 31.504.000.000 37.62%
2017 85.297.000.000 63.07%
2018 50.441.000.000 -69.1%
2019 38.434.000.000 -31.24%
2020 22.711.000.000 -69.23%
2021 62.045.000.000 63.4%
2022 147.508.000.000 57.94%
2023 72.336.000.000 -103.92%
2023 303.245.345.787 76.15%
2024 235.924.000.000 -28.54%

EPS, or earnings per share, is a measure that shows how much profit a company has earned for each outstanding share of its stock, and it is important for stock investors as it helps understand the profitability of a company and compare it with other companies in the market.

Heungkuk Fire&Marine Insurance Co., Ltd. Earning per Share (EPS)
Year Earning per Share (EPS) Growth
2006 -3.667
2007 -2.259 -62.4%
2008 -386 -484.97%
2009 -383 -0.78%
2010 -1.263 69.68%
2011 909 238.94%
2012 1.147 20.75%
2013 186 -516.67%
2014 492 62.2%
2015 302 -62.91%
2016 484 37.6%
2017 1.231 60.68%
2018 695 -77.12%
2019 511 -36.27%
2020 269 -90.3%
2021 874 69.3%
2022 2.269 61.51%
2023 0 0%
2023 4.665 100%
2024 3.350 -39.27%

Cashflow Statements

Cashflow statements show the movement of money in and out of a company, helping stock investors understand how much money a company makes and spends. By examining cashflow statements, investors can assess if a company is generating enough cash to pay its bills, invest in growth, and provide returns to stockholders.

Free cash flow is the leftover cash that a company generates after covering its operating expenses and capital expenditures, which is important for stock investors as it shows how much money a company has available to invest in growth, pay dividends, or reduce debt.

Heungkuk Fire&Marine Insurance Co., Ltd. Free Cashflow
Year Free Cashflow Growth
2006 -167.523.000.000
2007 -30.507.000.000 -449.13%
2008 -82.368.000.000 62.96%
2009 -35.800.000.000 -130.08%
2010 105.281.000.000 134%
2011 310.620.000.000 66.11%
2012 508.396.000.000 38.9%
2013 -50.757.000.000 1101.63%
2014 642.995.000.000 107.89%
2015 541.098.000.000 -18.83%
2016 975.371.000.000 44.52%
2017 987.477.000.000 1.23%
2018 916.551.000.000 -7.74%
2019 777.418.000.000 -17.9%
2020 807.834.000.000 3.77%
2021 365.163.000.000 -121.23%
2022 335.465.000.000 -8.85%
2023 654.416.000.000 48.74%
2023 17.244.000.000 -3695.04%
2024 208.913.000.000 91.75%

Operating cash flow represents the cash generated or consumed by a company's day-to-day operations, excluding external investing or financing activities, and is crucial for stock investors as it shows how much cash a company is generating from its core business operations.

Heungkuk Fire&Marine Insurance Co., Ltd. Operating Cashflow
Year Operating Cashflow Growth
2006 -158.740.000.000
2007 -6.738.000.000 -2255.89%
2008 6.227.000.000 208.21%
2009 -29.236.000.000 121.3%
2010 107.835.000.000 127.11%
2011 312.505.000.000 65.49%
2012 515.556.000.000 39.38%
2013 -35.980.000.000 1532.9%
2014 645.195.000.000 105.58%
2015 547.476.000.000 -17.85%
2016 985.548.000.000 44.45%
2017 994.584.000.000 0.91%
2018 923.502.000.000 -7.7%
2019 812.733.000.000 -13.63%
2020 832.896.000.000 2.42%
2021 389.598.000.000 -113.78%
2022 356.205.000.000 -9.37%
2023 671.581.000.000 46.96%
2023 19.192.000.000 -3399.28%
2024 212.800.000.000 90.98%

Capex, short for capital expenditures, refers to the money a company spends on acquiring or upgrading tangible assets like buildings, equipment, or technology, which is important for stock investors as it indicates how much a company is investing in its infrastructure to support future growth and profitability.

Heungkuk Fire&Marine Insurance Co., Ltd. Capital Expenditure
Year Capital Expenditure Growth
2006 8.783.000.000
2007 23.769.000.000 63.05%
2008 88.595.000.000 73.17%
2009 6.564.000.000 -1249.71%
2010 2.554.000.000 -157.01%
2011 1.885.000.000 -35.49%
2012 7.160.000.000 73.67%
2013 14.777.000.000 51.55%
2014 2.200.000.000 -571.68%
2015 6.378.000.000 65.51%
2016 10.177.000.000 37.33%
2017 7.107.000.000 -43.2%
2018 6.951.000.000 -2.24%
2019 35.315.000.000 80.32%
2020 25.062.000.000 -40.91%
2021 24.435.000.000 -2.57%
2022 20.740.000.000 -17.82%
2023 17.165.000.000 -20.83%
2023 1.948.000.000 -781.16%
2024 3.887.000.000 49.88%

Balance Sheet

Balance sheets provide a snapshot of a company's financial health and its assets (such as cash, inventory, and property) and liabilities (like debts and obligations) at a specific point in time. For stock investors, balance sheets help assess the company's overall worth and evaluate its ability to meet financial obligations and support future growth.

Equity refers to the ownership interest or stake that shareholders have in a company, representing their claim on its assets and earnings after all debts and liabilities are paid.

Heungkuk Fire&Marine Insurance Co., Ltd. Equity
Year Equity Growth
2006 96.123.000.000
2007 12.769.000.000 -652.78%
2008 136.889.000.000 90.67%
2009 140.248.000.000 2.4%
2010 112.142.000.000 -25.06%
2011 210.336.000.000 46.68%
2012 369.685.000.000 43.1%
2013 290.751.000.000 -27.15%
2014 401.583.000.000 27.6%
2015 442.022.000.000 9.15%
2016 552.258.000.000 19.96%
2017 629.336.000.000 12.25%
2018 682.034.000.000 7.73%
2019 711.961.000.000 4.2%
2020 723.769.000.000 1.63%
2021 690.648.000.000 -4.8%
2022 720.047.000.000 4.08%
2023 1.421.028.000.000 49.33%
2023 1.148.675.000.000 -23.71%
2024 678.750.000.000 -69.23%

Assets represent the valuable resources that a company owns, such as cash, inventory, property, and equipment, and understanding a company's assets helps investors assess its value and potential for generating future profits.

Heungkuk Fire&Marine Insurance Co., Ltd. Assets
Year Assets Growth
2006 1.029.135.000.000
2007 1.175.746.000.000 12.47%
2008 1.726.426.000.000 31.9%
2009 2.361.295.000.000 26.89%
2010 3.300.148.000.000 28.45%
2011 4.613.180.000.000 28.46%
2012 5.875.041.000.000 21.48%
2013 6.580.924.000.000 10.73%
2014 7.707.631.000.000 14.62%
2015 8.987.851.000.000 14.24%
2016 10.215.979.000.000 12.02%
2017 11.153.935.000.000 8.41%
2018 11.938.872.000.000 6.57%
2019 12.648.546.000.000 5.61%
2020 13.211.184.000.000 4.26%
2021 13.762.260.000.000 4%
2022 13.966.098.000.000 1.46%
2023 11.118.886.000.000 -25.61%
2023 12.031.553.000.000 7.59%
2024 11.993.166.000.000 -0.32%

Liabilities refer to the financial obligations or debts that a company owes to creditors or external parties, and understanding a company's liabilities is important for investors as it helps assess the company's financial risk and ability to meet its obligations.

Heungkuk Fire&Marine Insurance Co., Ltd. Liabilities
Year Liabilities Growth
2006 933.012.000.000
2007 1.162.977.000.000 19.77%
2008 1.589.537.000.000 26.84%
2009 2.221.047.000.000 28.43%
2010 3.188.006.000.000 30.33%
2011 4.402.844.000.000 27.59%
2012 114.845.000.000 -3733.73%
2013 6.290.173.000.000 98.17%
2014 7.306.048.000.000 13.9%
2015 8.545.829.000.000 14.51%
2016 9.663.721.000.000 11.57%
2017 10.524.599.000.000 8.18%
2018 11.256.838.000.000 6.5%
2019 11.936.585.000.000 5.69%
2020 12.487.415.000.000 4.41%
2021 13.071.612.000.000 4.47%
2022 13.246.051.000.000 1.32%
2023 0 0%
2023 10.882.878.000.000 100%
2024 11.314.416.000.000 3.81%

Heungkuk Fire&Marine Insurance Co., Ltd. Financial Ratio (TTM)

Valuation Metrics

Revenue per Share
42477.63
Net Income per Share
3920.5
Price to Earning Ratio
0.9x
Price To Sales Ratio
0.08x
POCF Ratio
0.32
PFCF Ratio
0.33
Price to Book Ratio
0.34
EV to Sales
0.2
EV Over EBITDA
14.6
EV to Operating CashFlow
0.77
EV to FreeCashFlow
0.79
Earnings Yield
1.11
FreeCashFlow Yield
3.07
Market Cap
226,13 Bil.
Enterprise Value
547,43 Bil.
Graham Number
30347.61
Graham NetNet
-172175.13

Income Statement Metrics

Net Income per Share
3920.5
Income Quality
3.5
ROE
0.25
Return On Assets
0.02
Return On Capital Employed
-0.13
Net Income per EBT
0.76
EBT Per Ebit
-0.22
Ebit per Revenue
-0.53
Effective Tax Rate
0.22

Margins

Sales, General, & Administrative to Revenue
0
Research & Developement to Revenue
0
Stock Based Compensation to Revenue
0
Gross Profit Margin
1.23
Operating Profit Margin
-0.53
Pretax Profit Margin
0.12
Net Profit Margin
0.09

Dividends

Dividend Yield
0
Dividend Yield %
0
Payout Ratio
0.05
Dividend Per Share
0

Operating Metrics

Operating Cashflow per Share
10945.15
Free CashFlow per Share
10675.97
Capex to Operating CashFlow
0.02
Capex to Revenue
0.01
Capex to Depreciation
0.56
Return on Invested Capital
-1.07
Return on Tangible Assets
0.02
Days Sales Outstanding
0
Days Payables Outstanding
0
Days of Inventory on Hand
0
Receivables Turnover
0
Payables Turnover
0
Inventory Turnover
0
Capex per Share
269.17

Balance Sheet

Cash per Share
1.864,31
Book Value per Share
10.440,60
Tangible Book Value per Share
10440.6
Shareholders Equity per Share
10440.6
Interest Debt per Share
6936.13
Debt to Equity
0.64
Debt to Assets
0.04
Net Debt to EBITDA
8.57
Current Ratio
5
Tangible Asset Value
678,75 Bil.
Net Current Asset Value
-10.785,69 Bil.
Invested Capital
575288000000
Working Capital
422,89 Bil.
Intangibles to Total Assets
0
Average Receivables
0,00 Bil.
Average Payables
5.012,10 Bil.
Average Inventory
0
Debt to Market Cap
1.92

Dividends

Dividends in stock investing are like rewards that companies give to their shareholders. They are a portion of the company's profits distributed to investors, typically in the form of cash payments, as a way for them to share in the company's success.

Heungkuk Fire&Marine Insurance Co., Ltd. Dividends
Year Dividends Growth

Heungkuk Fire&Marine Insurance Co., Ltd. Profile

About Heungkuk Fire&Marine Insurance Co., Ltd.

Heungkuk Fire&Marine Insurance Co., Ltd. primarily engages in the insurance business. The company offers car, medical, health, illness, injury, child, driver, accident, annuity, savings, fire, property, and travel and leisure insurance products, as well as group insurance and bancassurance products. It also provides general loan products. The company was formerly known as Heungkuk Ssangyong Fire & Marine Insurance Co., Ltd. and changed its name to Heungkuk Fire&Marine Insurance Co., Ltd. in 2009. Heungkuk Fire&Marine Insurance Co., Ltd. was founded in 1948 and is based in Seoul, South Korea.

CEO
Mr. Kyu-Jun Lim
Employee
898
Address
68 Saemunan-ro
Seoul, 03184

Heungkuk Fire&Marine Insurance Co., Ltd. Executives & BODs

Heungkuk Fire&Marine Insurance Co., Ltd. Executives & BODs
# Name Age
1 Mr. Hyung-Gun Kim
Head of Corporate Finance Team and Managing Director
70
2 Sung Kook Myung
Head of Marketing Team
70
3 Joong Won Kwon
Director
70
4 Jinsung Kim
Executive Director & Chief Information Security Officer
70
5 Mr. Yong-Woo Lee
Chief of Compensation Support & MD
70
6 Mr. Nam-Ik Kim
Head of Asset Management Business Division & MD
70
7 Mr. Young-Min Kim
Chief of Management Planning Office
70
8 Mr. Ji-Heon Song
Chief of Management Support Office and Managing Director
70
9 Mr. Kyu-Jun Lim
Chief Executive Officer, President & Representative Director
70
10 Mr. Seung-Hong Baek
Head of Corporate Business Division, MD & Executive Director
70

Heungkuk Fire&Marine Insurance Co., Ltd. Competitors