롯데손해보험

000400KOSPI

57.4 / 100

Reference Date: 2026-09-08

Financial Score17.5 / 40

News Sentiment15.9 / 25

Momentum14.0 / 20

Disclosure10.0 / 15

AI Analysis: PER is significantly undervalued vs. peers but the high debt ratio poses financial risk. Slightly up 4.2% over the past month, and news sentiment is positive.

Company InformationBased on 2025 Annual Report

Business Overview

Lotte Insurance, established in 1946, is a financial services company specializing in property and casualty insurance, offering fire, marine, and auto insurance. In FY2022 (81st fiscal year), it reported premium income of 28.56 trillion won and a net income of 51.3 billion won. The company is enhancing its business model through digital platforms (ALICE, wonder) and strengthening financial stability.

Number of Employees

1,270people

Average Salary

76.5M KRW

Score Calculation Basis

Detailed Financial Score

PER

13.16Industry Average 15.005.0Point

In line with industry avg

PBR

—Industry Average 1.203.5Point

ROE

7.29Industry Average 8.002.5Point

Below industry avg

Debt Ratio

2248.85Industry Average 100.000.0Point

22.5x industry avg (risky)

Trend 2023~20256.5 / 10 points

Revenue Growth Rate

2.5 / 3

Avg ▲12.3% (2-year basis)

Operating Profit Growth Rate

2.0 / 3

Avg ▲8.1% (2-year basis)

ROE Trend

2.0 / 4

Avg ROE 9.8% (declining, 3yr)

Detailed News Sentiment

32 totalPositive 13Neutral 13Negative 6Average Sentiment Score 63.6

Positive
쿠팡 ‘안심케어 서비스’ 가구로 확대… 수리비 3년간 보상
쿠팡의 안심케어 서비스 확장으로 롯데손해보험 관련 가구 시장 진출 가능성이 증가하여 긍정적 영향 예상.
Neutral
쿠팡, '가구 안심케어' 보험 서비스…"제조사 보증 이후에도 3년 더...
쿠팡의 안심케어 서비스가 가구 카테고리로 확장되었으나, 롯데손해보험과 직접적인 연관성이 없어 영향이 제한적이다.
Positive
쿠팡, 업계 최초 '가구 보험' 만들었다
쿠팡의 가구 보험 도입으로 롯데손해보험과 관련된 경쟁 우위가 강화되어 긍정적 영향 예상.

Detailed Momentum

52-week position5.0Point

52w mid range (42%)

Current 2,080Won52-week high 2,72552-week low 1,600

1-month return4.0Point

1m +4.16% (slight rise)

Volume trend5.0Point

Volume flat

Detailed Disclosure

2 totalPositive 0Neutral 2Negative 0

Neutral[기재정정]반기보고서 (2026.06)2026-08-31
Neutral반기보고서 (2026.06)2026-08-14