1. South Korea Stocks

  2. •

    Financial Services

  3. •

    Insurance - Property & Casualty
Lotte Non - Life Insurance Co., Ltd.

Lotte Non - Life Insurance Co., Ltd.

000400.KS
Lotte Non - Life Insurance Co., Ltd.KR flagKorea Exchange
2,140.00
KRW
+80.00
- -
661.50BMarket Cap
Lotte Non - Life Insurance Co., Ltd.
000400.KS
(Korea Exchange)

Recent

price

2,140.00

P/E

ratio

- -

div

yld

- -

ROIC.AI

2011
2012
2013
2013
2014
2015
2016
2017
2018
2019
2020
2021
2022
2023
2024
2025
TTM
FRC
35,266.71
39,074.7
41,276.35
23,922.72
31,561.82
25,833.64
17,124.21
20,688.51
22,177.62
16,182.37
9,889.04
7,173.83
4,963.72
6,366.15
6,344.16
7,813.21
8,030.42
Revenue per Share
-172.75
243.47
-248.4
-0.86
33.41
96
217
540
666
-325
-87
379
-331
914
68
158
65.62
Basic EPS, GAAP
3,770.42
2,229.25
7,117.08
3,115.59
1,814.26
4,506.6
6,178.03
1,300.56
2,881.31
-976.86
172.51
322.2
-1,405.93
6,733.48
-628.3
-2,278.9
-2,780.4
Free Cash Flow per Basic Share
38.07
- -
- -
- -
- -
- -
- -
29.56
39.51
17.51
9.9
8.66
10.44
10.01
8.78
8.13
6.01
Dividend per Share
1,821.49
1,917.94
2,010.49
1,556.36
1,550.94
1,897.09
1,674.36
2,132.17
2,508.61
2,960.43
1,577.66
1,979.33
1,797.52
2,117.53
1,918.83
2,253.72
2,304.75
Book Value per Share
3,856.53
3,748.85
5,020.65
3,272.45
3,727.18
4,121.82
3,613.78
3,850.57
3,976.15
5,808.17
3,260.85
3,075.98
5,924.88
3,977.18
2,080.14
1,740.1
2,136.78
Tangible Book Value per Share
52
52
56
74
76
103
134
138
137
157
278
316
300
312
356
325
309
Basic Weighted Avg Shares
1,849,901
2,050,894
2,291,783
1,780,298
2,408,895
2,658,861
2,292,729
2,859,839
3,040,741
2,547,723
2,752,458
2,269,088
1,487,653
1,989,112
2,259,828
2,538,355
2,482,284
Sales/Revenue/Turnover
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
Operating Margin (%)
7,478
7,820
8,413
6,171
8,862
8,400
8,795
8,863
9,571
18,913
23,052
23,983
26,742
40,288
36,841
36,931
37,127
Depreciation Expense
-9,062
12,779
-13,792
-64
2,550
9,881
29,054
74,646
91,314
-51,167
-24,215
119,878
-99,202
285,580
24,222
51,331
20,285
Net Income, GAAP
- -
19.23
- -
- -
63.77
22.49
20.61
26.28
24.6
- -
- -
23.39
- -
23.54
27.33
19.53
15.27
Effective Tax Rate (%)
-0.49
0.62
-0.6
- -
0.11
0.37
1.27
2.61
3
-2.01
-0.88
5.28
-6.67
14.36
1.07
2.02
0.82
Profit Margin (%)
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
Working Capital
- -
- -
49,816
89,631
89,689
89,747
157,592
247,331
307,237
337,044
386,846
319,106
3,282,927
1,007,583
806,275
806,732
806,842
LT Debt
209,343
211,985
295,398
264,778
304,471
443,012
501,389
547,254
563,337
965,850
946,539
1,002,022
1,803,031
1,301,661
794,239
613,504
704,713
Total Equity
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
Return on Invested Capital (%)
- -
13.27
- -
- -
2.35
5.46
9.86
17.45
17.08
- -
- -
15.37
- -
20.15
17.65
19.15
17.07
Return on Capital (%)
-8.97
13.03
-12.99
-0.06
2.18
6.3
13.85
28.77
28.59
-12.63
-5.35
22.51
-17.03
47.58
3.6
7.25
2.88
Return on Common Equity (%)

Capital Structure

FRC

•

in mil. unless spec.
Sep'25
Dec'25
Mar'26
ST Debt
- -
- -
- -
LT Borrowings
806,622
806,732
806,842
LT Finance Leases
- -
- -
- -
Preferred Equity and Hybrid Capital
- -
- -
- -
Shares Outstanding
309
309
309
Market Capitalization
621,587
550,657
618,220

Working Capital

FRC

•

in mil. unless spec.
Sep'25
Dec'25
Mar'26
Total Current Assets
- -
- -
- -
Cash, Cash Equivalents & STI
7,626,070
7,098,710
6,982,053
Accounts Receivable, Net
174,094
159,634
158,467
Inventories
- -
- -
- -
Total Current Liabilities
- -
- -
- -
Payables & Accruals
- -
- -
- -
ST Debt
- -
- -
- -
Deferred Revenue
- -
- -
- -

Growth Rates

FRC

•

in mil. unless spec.

(avg. rate of change)

10 years
5 years
1 year
Total Equity
9.1%
-0.75%
-22.76%
Free Cash Flow
-103.07%
-176.06%
230.81%
Net Income, GAAP
-98.07%
-229.06%
111.92%
Sales/Revenue/Turnover
1.68%
1.53%
12.33%
Total Cash Common Dividend
- -
- -
-15.57%

Quarterly Revenue

FRC

•

in mil. unless spec.

Year

Q1
Q2
Q3
Q4
FY
2024
591,758
578,042
603,262
479,054
2,259,828
2025
637,147
632,240
672,387
596,582
2,538,355
2026
581,075
- -
- -
- -
- -

Quarterly Earnings Per Share

FRC

•

in mil. unless spec.

Year

Q1
Q2
Q3
Q4
FY
2024
107
73
38
- -
68
2025
34
117.05
166.71
- -
158
2026
-63.95
- -
- -
- -
- -

Quarterly Dividends Per Share

FRC

•

in mil. unless spec.

Year

Q1
Q2
Q3
Q4
FY
2024
2.46
2.45
2.39
- -
8.78
2025
2.36
2.53
2.53
- -
8.13
2026
- -
- -
- -
- -
- -
Similar Companies
Heungkuk Fire & Marine Insurance Co., Ltd. (000547.KS)
Markel Corporation (0JYM.L)
AmTrust Financial Services, Inc. (AFSIB)
RLI Corp. (RLI)
Chubb Limited (CB)
The Hartford Financial Services Group, Inc. (0J3H.L)
Business
Lotte Non-Life Insurance Co., Ltd. is a South Korean insurer specializing in non-life insurance products and services. Founded in 1946 and headquartered in Seoul, the company offers a comprehensive range of insurance solutions including automobile, fire, marine, casualty, long-term, guarantee, specialty, foreign casualty, annuity, and retirement income insurance. It also provides reinsurance and loan services. Lotte Non-Life distributes its products through professional consultants, bancassurance channels, and financial centers across South Korea. The company operates primarily in South Korea and is a subsidiary of Victura Limited. Recent major developments include ownership and strategic changes involving private equity firm JKL Partners, which acquired a controlling stake in 2019 and has sought to sell its shares with potential acquisition interest from Korea Investment Holdings and other financial groups. Lotte Non-Life has been subject to acquisition discussions and due diligence processes to strengthen its position and expand its insurance offerings. Operationally, the company continues to innovate in product coverage, including offerings that cover emerging risks such as service robots. It remains a significant player in property and casualty insurance in South Korea, with an ongoing focus on growth and market penetration within its core non-life insurance segments. The company thus presents a robust product portfolio across diverse non-life insurance categories and pursues strategic corporate positioning through partnerships, acquisitions, and product innovation to sustain competitive advantage in the South Korean insurance market.