삼성생명

032830KOSPI

52.3 / 100

Reference Date: 2026-09-08

Financial Score15.0 / 40

News Sentiment16.3 / 25

Momentum11.0 / 20

Disclosure10.0 / 15

AI Analysis: PBR is undervalued vs. peers but the high debt ratio poses financial risk. Rose 13.2% over the past month, and news sentiment is positive.

Company InformationBased on 2025 Annual Report

Business Overview

Samsung Life, a top-tier life insurance company in South Korea since the 1960s, offers a wide range of insurance and pension products to individual and corporate customers, managing 20.26 million insurance contracts as of December 2025. Total premium income reached 267.342 trillion won, with an asset management rate of 98.09%. Subsidiaries Samsung Card and Samsung Asset Management operate in credit card and asset management sectors, with Samsung Asset Management holding 22.7% market share in asset management as of December 2025.

Number of Employees

5,124people

Average Salary

154.7M KRW

Score Calculation Basis

Detailed Financial Score

PER

25.45Industry Average 15.001.5Point

1.7x industry avg (risky)

PBR

0.96Industry Average 1.204.0Point

In line with industry avg

ROE

4.76Industry Average 8.002.5Point

Below industry avg

Debt Ratio

440.89Industry Average 100.000.0Point

4.4x industry avg (risky)

Trend 2023~20257.0 / 10 points

Revenue Growth Rate

3.0 / 3

Avg ▲149.8% (2-year basis)

Operating Profit Growth Rate

1.0 / 3

Avg ▲3.7% (2-year basis)

ROE Trend

3.0 / 4

Avg ROE 5.1% (improving, 3yr)

Detailed News Sentiment

59 totalPositive 25Neutral 26Negative 8Average Sentiment Score 65

Positive
삼전닉스 주주환원 수혜 기대... 지분 보유한 계열사도 담았다 [이런 ...
삼성생명은 삼성SK그룹의 주주환원 정책 수혜 기대 속에 긍정적인 영향을 받을 것으로 예상된다.
Negative
“당장 돈 빌릴 데가 카드·보험밖에”…5060 카드론 1년 새 1조 증...
카드론 연체율 상승으로 서민 대출 부담 증가, 삼성생명 관련 직접적 영향은 제한적이나 경제 불안정 반영
Neutral
5060세대 카드빚 1년 새 1조 늘어…연체율은 20대가 최고

Detailed Momentum

52-week position5.0Point

52w mid range (47%)

Current 312,000Won52-week high 497,00052-week low 144,800

1-month return5.0Point

1m +13.25% (rising)

Volume trend1.0Point

Volume decreasing

Detailed Disclosure

6 totalPositive 0Neutral 6Negative 0

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