롯데손해보험

000400KOSPI보험업

47.5 / 100

Reference Date: 2026-06-10

Financial Score17.0 / 40

News Sentiment15.5 / 25

Momentum5.0 / 20

Disclosure10.0 / 15

AI Analysis: ROE is above the industry average but the high debt ratio poses financial risk. Declined 7.7% over the past month, and news sentiment is neutral.

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

12.15Industry Average 9.733.0Point

Higher than industry avg (caution)

PBR

—Industry Average 0.693.5Point

ROE

7.29Industry Average 7.294.0Point

In line with industry avg

Debt Ratio

2248.85Industry Average 877.790.0Point

2.6x 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

36 totalPositive 10Neutral 17Negative 9Average Sentiment Score 61.9

Positive
롯데손보, 장기보험 영업 조직 일부 통폐합해 경영 효율화
롯데손해보험의 조직 개편을 통해 경영 효율성이 향상되고 개선안 이행에 긍정적인 신호를 보내고 있다.
Neutral
수익률 -68%, 1년만에 9억 벌었다…‘파이어족 농부’의 종목
Negative
지방 미분양發 PF 부실, 저축은행·보험·신탁사까지 번졌다
지방 미분양 부동산 부실이 저축은행과 보험사까지 확산되어 롯데손해보험의 재무 건전성에 부정적 영향을 미칠 우려가 크다.

Detailed Momentum

52-week position3.0Point

52w lower range (28%)

Current 1,919Won52-week high 2,72552-week low 1,591

1-month return1.0Point

1m -7.74% (falling)

Volume trend1.0Point

Volume decreasing

Detailed Disclosure

3 totalPositive 0Neutral 3Negative 0

Neutral[기재정정]분기보고서 (2026.03)2026-05-29
Neutral기타경영사항(자율공시)2026-05-28
Neutral분기보고서 (2026.03)2026-05-15