흥국화재

000540KOSPI보험업

54.1 / 100

Reference Date: 2026-06-10

Financial Score27.0 / 40

News Sentiment14.1 / 25

Momentum3.0 / 20

Disclosure10.0 / 15

AI Analysis: PER is significantly undervalued vs. peers but Operating Profit is on a declining trend. Plunged 16.0% 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

1.54Industry Average 9.738.0Point

Half of industry avg (excellent)

PBR

0.28Industry 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

18 totalPositive 3Neutral 14Negative 1Average Sentiment Score 56.4

Positive
토마토시스템, 흥국화재에 '아이큐봇(AIQBot)' 공급…“넥스트 코어...
토마토시스템의 AIQBot 공급으로 흥국화재의 디지털 전환 프로젝트가 가속화되어 긍정적 영향 기대.
Neutral
후순위채보다 기본자본…보험사 자본관리 전략 바뀐다
흥국화재의 자본 관리 전략 변화로 인해 후순위채 발행 비율이 감소하고 기본자본 확충에 초점이 맞춰지지만, 직접적인 영향은 제한적이다.
Neutral
OK금융, 예별손보 인수 검토…저축은행 보유 그룹 첫 도전
OK금융그룹의 MG손해보험 인수 검토 소식은 흥국화재와 직접적인 연관성이 없어 중립적 평가.

Detailed Momentum

52-week position1.0Point

Near 52w low (7%, downtrend)

Current 3,630Won52-week high 6,59052-week low 3,405

1-month return0.0Point

1m -15.97% (strong drop)

Volume trend2.0Point

Volume decreasing

Detailed Disclosure

6 totalPositive 0Neutral 6Negative 0

Neutral[기재정정]대규모기업집단현황공시[연1회공시및1/4분기용(개별회사)]2026-06-05
Neutral대규모기업집단현황공시[연1회공시및1/4분기용(개별회사)]2026-06-01
Neutral[기재정정]분기보고서 (2026.03)2026-05-29
Neutral[기재정정]대규모기업집단현황공시[분기별공시(개별회사용)]2026-05-27
Neutral[기재정정]대규모기업집단현황공시[분기별공시(개별회사용)]2026-05-27