흥국화재

000540KOSPI보험업

59.3 / 100

Reference Date: 2026-07-24

Financial Score27.0 / 40

News Sentiment17.3 / 25

Momentum5.0 / 20

Disclosure10.0 / 15

AI Analysis: PER is significantly undervalued vs. peers but Operating Profit is on a declining trend. Slightly up 1.8% over the past month, and news sentiment is positive.

Company InformationBased on 2025 Annual Report

Business Overview

Hyundai Fire & Marine Insurance operates in the general insurance sector, offering property, marine, auto, and long-term insurance. In 2024, it reported insurance revenue of 26.197 trillion won, investment losses of 64.1 billion won, but achieved a net profit of 1.067 trillion won, with managed assets reaching 121.414 trillion won.

Number of Employees

1,088people

Average Salary

90.7M KRW

Score Calculation Basis

Detailed Financial Score

PER

1.34Industry Average 9.538.0Point

Half of industry avg (excellent)

PBR

0.24Industry Average 0.697.0Point

Half of industry avg (excellent)

ROE

18.85Industry Average 7.297.0Point

2.6x industry avg (excellent)

Debt Ratio

1393.92Industry Average 877.790.5Point

1.6x industry avg (risky)

Trend 2023~20254.5 / 10 points

Revenue Growth Rate

1.0 / 3

Avg ▲2.7% (2-year basis)

Operating Profit Growth Rate

0.0 / 3

Avg ▼18.7% (2-year basis)

ROE Trend

3.5 / 4

Avg ROE 14.9% (improving, 3yr)

Detailed News Sentiment

16 totalPositive 10Neutral 6Negative 0Average Sentiment Score 69.4

Positive
[태광's 금융맵]② 중심축 흥국생명, CSM 2.5조…미래수익 방증
흥국화재의 지속적인 성장과 태광그룹 내 핵심 위치 강화를 시사하는 금융맵 발표로 긍정적 영향 예상.
Positive
아리스 “토마토시스템, 대학 ERP 슈퍼사이클 수혜…2026년 매출 3...
토마토시스템의 대학 ERP 재도입 증가로 인해 흥국화재와 관련된 B2B 시장 확대 및 디지털 헬스케어 분야 성장이 기대되어 긍정적 영향 예상.
Positive
토마토시스템, 대학 ERP 슈퍼사이클 수혜…26년 매출 320억·흑자전...
토마토시스템의 대학 ERP 시장 성장과 UI/UX 강화로 흥국화재와 직접적인 연관성이 있어 긍정적 전망이 제시됨.

Detailed Momentum

52-week position1.0Point

Near 52w low (4%, downtrend)

Current 3,170Won52-week high 6,59052-week low 3,000

1-month return3.0Point

1m 1.77% (flat)

Volume trend1.0Point

Volume dry-up

Detailed Disclosure

1 totalPositive 0Neutral 1Negative 0

Neutral계열금융회사의약관에의한금융거래-[유가증권-수익증권]2026-07-14