서울보증보험

031210KOSPI

62.6 / 100

Reference Date: 2026-09-08

Financial Score24.5 / 40

News Sentiment15.1 / 25

Momentum9.0 / 20

Disclosure14.0 / 15

AI Analysis: PBR is significantly undervalued vs. peers and PER is significantly undervalued vs. peers is also solid. Slightly down 1.6% over the past month, and news sentiment is neutral.

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

11.37Industry Average 15.005.0Point

In line with industry avg

PBR

0.59Industry Average 1.207.0Point

Half of industry avg (excellent)

ROE

5.18Industry Average 8.002.5Point

Below industry avg

Debt Ratio

81.11Industry Average 100.004.0Point

In line with industry avg

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

17 totalPositive 5Neutral 9Negative 3Average Sentiment Score 60.3

Negative
보증3사, 전세금 떼먹은 집주인 10월부터 ‘전세보증 발급’ 금지
New restrictions on issuing tenant security deposits starting October could negatively impact Seoul Guarantee Insurance's business related to mortgage guarantees.
Neutral
주금공·HUG·서울보증, '전세보증금 미반환 임대인 정보' 공유
정보 공유 계획은 관련 기관 간 협력 강화를 시사하지만, 서울보증보험의 직접적인 영향은 제한적이다.
Positive
외환위기 공적자금 97조…30년 만에 상환 마침표
서울보증보험의 직접적인 영향은 제한적이나, 외환위기 관련 공적자금 상환 완료는 국가 경제 안정성 강화로 이어져 장기적인 시장 신뢰 향상에 기여할 것으로 예상됩니다.

Detailed Momentum

52-week position1.0Point

Near 52w low (16%, downtrend)

Current 43,700Won52-week high 62,00052-week low 40,100

1-month return3.0Point

1m -1.58% (flat)

Volume trend5.0Point

Volume increasing

Detailed Disclosure

7 totalPositive 2Neutral 5Negative 0

Neutral최대주주등소유주식변동신고서2026-08-25
Neutral임원ㆍ주요주주특정증권등소유상황보고서2026-08-25
Neutral영업(잠정)실적(공정공시)2026-08-14
Neutral반기보고서 (2026.06)2026-08-14
Positive현금ㆍ현물배당결정2026-08-11