한화생명

088350KOSPI보험업

61.9 / 100

Reference Date: 2026-07-24

Financial Score24.5 / 40

News Sentiment16.4 / 25

Momentum11.0 / 20

Disclosure10.0 / 15

AI Analysis: PBR is significantly undervalued vs. peers but Operating Profit metrics are weak. Slightly down 1.4% over the past month, and news sentiment is neutral.

Company InformationBased on 2025 Annual Report

Business Overview

Hanwha Life operates in life insurance, property & casualty insurance, asset management, and financial investment, achieving a net income of 31.33 billion KRW in 2025. It maintains a strong credit rating of AAA domestically and A1/A+ globally, and has received an A rating in ESG evaluations for six consecutive years. The company also achieves stable growth in overseas markets such as Vietnam and Indonesia.

Number of Employees

2,794people

Average Salary

117.1M KRW

Score Calculation Basis

Detailed Financial Score

PER

4.77Industry Average 9.536.5Point

Lower than industry avg (good)

PBR

0.24Industry Average 0.697.0Point

Half of industry avg (excellent)

ROE

5.41Industry Average 7.292.5Point

Below industry avg

Debt Ratio

974.00Industry Average 877.792.0Point

Higher than industry avg (caution)

Trend 2023~20256.5 / 10 points

Revenue Growth Rate

2.5 / 3

Avg ▲11.6% (1-year basis)

Operating Profit Growth Rate

1.0 / 3

Avg ▲4.2% (2-year basis)

ROE Trend

3.0 / 4

Avg ROE 5.3% (improving, 3yr)

Detailed News Sentiment

79 totalPositive 29Neutral 32Negative 18Average Sentiment Score 65.6

Negative
보험사도 대출 조이기…주담대 금리 8% 육박
한화생명을 포함한 보험사들의 주택담보대출 금리 상승과 신규 대출 중단으로 인해 금융 부담이 증가하고 있다.
Negative
"우리도 놀랐다" 보험계약대출 이례적 급증…'빚투 머니무브' 영향
한화생명의 보험계약대출 잔액 급증은 '빚투' 현상으로 인한 시장 변화에 따른 부정적 영향을 반영하고 있다.
Positive
'보장' 넘어 '건강 관리'까지…보험사, 헬스케어 확대
한화생명의 헬스케어 서비스 확장으로 인해 고객 건강 관리 전반에 걸친 서비스 강화가 예상되어 긍정적 영향이 기대됩니다.

Detailed Momentum

52-week position5.0Point

52w mid range (45%)

Current 4,595Won52-week high 6,60052-week low 2,940

1-month return3.0Point

1m -1.39% (flat)

Volume trend3.0Point

Volume flat

Detailed Disclosure

11 totalPositive 0Neutral 11Negative 0

Neutral계열금융회사의약관에의한금융거래-[보험]2026-07-14
Neutral[기재정정]계열금융회사의약관에의한금융거래-[유가증권-수익증권]2026-07-14
Neutral계열금융회사의약관에의한금융거래-[유가증권-수익증권]2026-07-14
Neutral계열금융회사의약관에의한금융거래-[유가증권-채권]2026-07-14
Neutral임원ㆍ주요주주특정증권등소유상황보고서2026-07-13