한화생명

088350KOSPI

67.5 / 100

Reference Date: 2026-09-08

Financial Score24.0 / 40

News Sentiment16.5 / 25

Momentum17.0 / 20

Disclosure10.0 / 15

AI Analysis: PER is significantly undervalued vs. peers but the high debt ratio poses financial risk. Surged 29.3% over the past month, and news sentiment is positive.

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

6.12Industry Average 15.008.0Point

Half of industry avg (excellent)

PBR

0.31Industry Average 1.207.0Point

Half of industry avg (excellent)

ROE

5.41Industry Average 8.002.5Point

Below industry avg

Debt Ratio

974.00Industry Average 100.000.0Point

9.7x industry avg (risky)

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

75 totalPositive 30Neutral 31Negative 14Average Sentiment Score 65.9

Negative
“시장 안전판이었는데”…주식투자 쏠림에 국고채 금리 더 뛴다
생명보험사들의 국공채 투자 감소로 인해 금리 상승 압력이 증가하고 있어 한화생명의 재무 건전성에 부정적 영향이 예상됩니다.
Negative
[단독]생보 빅4, 올해 국공채 투자 14조 줄였다
생명보험사들의 국공채 투자 감소로 인해 시장 불안이 증가하고 있어 한화생명의 재무상태에 부정적 영향이 예상됩니다.
Positive
사망보험금 맞춤형 상속시대… 청구권 신탁 수요 불붙었다
맞춤형 상속시대 도래로 인해 보험금청구권 신탁 수요 증가, 삼성생명 등 관련 기업에 긍정적 영향.

Detailed Momentum

52-week position8.0Point

Near 52w high (80%, uptrend)

Current 5,890Won52-week high 6,60052-week low 2,940

1-month return6.0Point

1m +29.31% (strong rise)

Volume trend3.0Point

Volume flat

Detailed Disclosure

5 totalPositive 0Neutral 5Negative 0

Neutral대규모기업집단현황공시[분기별공시(개별회사용)]2026-08-31
Neutral[기재정정]반기보고서 (2026.06)2026-08-31
Neutral반기보고서 (2026.06)2026-08-13
Neutral연결재무제표기준영업(잠정)실적(공정공시)2026-08-12
Neutral영업(잠정)실적(공정공시)2026-08-12