서울보증보험

031210KOSPI보험업

53.6 / 100

Reference Date: 2026-07-24

Financial Score23.5 / 40

News Sentiment14.1 / 25

Momentum6.0 / 20

Disclosure10.0 / 15

AI Analysis: the debt ratio is very low with excellent financial health and PBR is undervalued vs. peers is also solid. Slightly up 3.8% over the past month, and news sentiment is negative.

Company InformationBased on 2025 Annual Report

Business Overview

Seoul Guarantee Insurance, established in 1969 and rebranded in 1998 after merging with Korea Guarantee Insurance, is South Korea's sole comprehensive guarantee insurance company. It drives financial development by promoting credit transactions through guarantee and reinsurance businesses. In 2025, it achieved 23.132 trillion KRW in insurance operating revenue, maintained a K-ICS solvency ratio of 397.4%, and is advancing its 'WITH SGI' vision to ensure customer-centric management and long-term sustainability.

Number of Employees

1,547people

Average Salary

120.0M KRW

Score Calculation Basis

Detailed Financial Score

PER

11.02Industry Average 9.533.0Point

Higher than industry avg (caution)

PBR

0.57Industry Average 0.694.0Point

In line with industry avg

ROE

5.18Industry Average 7.292.5Point

Below industry avg

Debt Ratio

81.11Industry Average 877.798.0Point

Half of industry avg (excellent)

Trend 6.0 / 10 points

Revenue Growth Rate

1.5 / 3

Operating Profit Growth Rate

1.5 / 3

ROE Trend

3.0 / 4

Detailed News Sentiment

24 totalPositive 3Neutral 16Negative 5Average Sentiment Score 56.2

Positive
상반기 부진했던 IPO…하반기 회복 변수 '중복상장 가이드라인'
중복상장 가이드라인 도입으로 서울보증보험의 하반기 IPO 재개 가능성이 높아져 긍정적 영향 기대.
Neutral
신한은행, 소상공인 '매출·매입' 데이터로 신용평가…KCS와 맞손
신한은행과 한국평가정보의 협력으로 소상공인 신용평가 시스템 개선이 예정되었으나, 서울보증보험의 직접적인 영향은 제한적입니다.
Neutral
2분기 공적자금 5901억원 회수…누적 회수율 72.9%
전반적인 공적자금 회수 소식은 시장에 직접적인 영향을 미치지 않아 서울보증보험의 주가에 중립적인 영향을 줄 것으로 예상됩니다.

Detailed Momentum

52-week position1.0Point

Near 52w low (10%, downtrend)

Current 42,350Won52-week high 62,00052-week low 40,050

1-month return4.0Point

1m +3.80% (slight rise)

Volume trend1.0Point

Volume decreasing

Detailed Disclosure

0 totalPositive 0Neutral 0Negative 0