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    Financial Services

  3. •

    Insurance - Property & Casualty
Heungkuk Fire&Marine Insurance Co., Ltd.

Heungkuk Fire&Marine Insurance Co., Ltd.

000545.KS
Heungkuk Fire&Marine Insurance Co., Ltd.KR flagKorea Exchange
6,240.00
KRW
-140.00
- -
214.06BMarket Cap
Heungkuk Fire&Marine Insurance Co., Ltd.
000545.KS
(Korea Exchange)

Recent

price

6,240.00

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
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
Revenue per Share
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
Basic EPS, GAAP
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
Free Cash Flow per Basic Share
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
Dividend per Share
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
Book Value per Share
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
Tangible Book Value per Share
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
Basic Weighted Avg Shares
2,761,863
3,096,510
3,562,674
2,774,433
3,767,274
4,163,958
3,093,937
4,095,959
4,065,100
2,739,583
2,899,280
2,889,714
2,552,542
2,859,729
2,753,590
3,013,338
2,201,605
Sales/Revenue/Turnover
- -
- -
- -
- -
- -
- -
0.51
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
Operating Margin (%)
7,231
9,849
8,445
8,359
12,204
11,423
12,629
15,698
13,794
21,350
19,345
25,263
26,402
31,923
31,659
29,335
21,458
Depreciation Expense
-64,897
56,508
73,684
11,939
32,040
19,653
31,504
85,297
50,441
38,434
22,711
62,045
207,243
295,540
106,722
151,689
31,445
Net Income, GAAP
- -
- -
- -
36.72
26.23
26.16
- -
19.17
15.6
12.63
14.12
23.68
21.4
22.31
25.75
19.23
22.89
Effective Tax Rate (%)
-2.35
1.82
2.07
0.43
0.85
0.47
1.02
2.08
1.24
1.4
0.78
2.15
8.12
10.33
3.88
5.03
1.43
Profit Margin (%)
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
Working Capital
65,000
82,000
102,000
141,641
150,969
201,390
206,142
205,791
315,387
384,561
384,444
384,413
314,598
314,795
414,147
264,356
- -
LT Debt
112,142
210,336
369,685
290,751
401,583
442,022
552,258
629,336
682,034
711,961
723,769
690,648
2,592,783
1,368,531
772,659
836,868
917,062
Total Equity
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
Return on Invested Capital (%)
- -
- -
- -
3.96
8.75
5.35
- -
15.43
8.29
6.7
4.32
8.2
23.02
29.87
9.91
12.96
5.93
Return on Capital (%)
-78.51
48.04
32.95
4.45
11.04
6.22
9.22
21.46
10.96
7.7
4.33
11.04
33.56
41.03
12.66
15.89
6.24
Return on Common Equity (%)

Capital Structure

FRC

•

in mil. unless spec.
Sep'25
Dec'25
Mar'26
ST Debt
- -
- -
- -
LT Borrowings
264,311
264,356
- -
LT Finance Leases
- -
- -
- -
Preferred Equity and Hybrid Capital
4,608
4,608
- -
Shares Outstanding
64
64
- -
Market Capitalization
- -
- -
- -

Working Capital

FRC

•

in mil. unless spec.
Sep'25
Dec'25
Mar'26
Total Current Assets
- -
- -
- -
Cash, Cash Equivalents & STI
7,288,875
6,864,147
- -
Accounts Receivable, Net
9,517
9,638
- -
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
24.17%
37.68%
8.31%
Free Cash Flow
13.89%
15.17%
-15.56%
Net Income, GAAP
55.35%
85.61%
42.13%
Sales/Revenue/Turnover
-1.51%
1.15%
9.43%
Total Cash Common Dividend
- -
- -
70.92%

Quarterly Revenue

FRC

•

in mil. unless spec.

Year

Q1
Q2
Q3
Q4
FY
2024
610,687
702,678
802,483
637,742
2,753,590
2025
811,733
698,434
754,944
748,227
3,013,338
2026
- -
- -
- -
- -
- -

Quarterly Earnings Per Share

FRC

•

in mil. unless spec.

Year

Q1
Q2
Q3
Q4
FY
2024
- -
- -
- -
- -
- -
2025
- -
- -
- -
- -
- -
2026
- -
- -
- -
- -
- -

Quarterly Dividends Per Share

FRC

•

in mil. unless spec.

Year

Q1
Q2
Q3
Q4
FY
2024
- -
- -
- -
- -
- -
2025
- -
- -
- -
- -
- -
2026
- -
- -
- -
- -
- -
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Business
Heungkuk Fire & Marine Insurance Co., Ltd. engages primarily in the non-life insurance business in South Korea and internationally; the company offers fire insurance, marine insurance, automobile insurance, medical and health insurance, illness and injury insurance, children's insurance, driver and accident insurance, annuity and pension insurance, property insurance, travel and leisure insurance, group insurance, and bancassurance products; it also provides loan services including insurance contract loans, general loans, mortgage loans, and credit loans. Founded in 1948 and headquartered at 68 Saemunan-ro, Jongno-gu, Seoul, South Korea, the company operates as part of the Taekwang Group's Heungkuk Financial Group and serves individual and corporate customers across diverse segments such as property and casualty, health, auto, and specialty insurance. In recent developments, Heungkuk Fire & Marine Insurance launches the 'Non-dividend HeungGood Preceding 3 Major Diseases Coverage Insurance' in October 2024, offering advance diagnosis fee payments for conditions like diabetes and hypertension alongside enhanced treatment cost coverage up to 1.7 billion KRW for cancer and 700 million KRW for cerebrovascular or ischemic heart diseases over 10 years; additionally, the company establishes a next-generation new contract premium and reserve pricing calculation system in January 2025 to streamline insurance product development through automation and standardization.