1. South Korea Stocks

  2. •

    Finance

  3. •

    Multi-line insurance
Seoul Guarantee Insurance Company

Seoul Guarantee Insurance Company

KKRX:031210
42,800.00
KRW
+1,250.00
(+3.01%)
4,398.76EPS
9.43P/E
2.90TMarket Cap
Seoul Guarantee Insurance Company
KRX:031210
(Korea Stock Exchange)

Recent

price

42,800.00

P/E

ratio

9.43

div

yld

- -

ROIC.AI

2012
2013
2013
2014
2015
2016
2017
2018
2019
2020
2021
2022
2023
2024
2025
TTM
KRW
46,971.77
49,037.85
33,963.81
46,284.86
45,199.22
49,472.44
54,504.31
56,261.28
62,940.49
57,655.63
27,789.63
29,620.16
31,780.5
32,501.88
33,586.32
35,221.29
Revenue per Share
10,587
8,995
3,241
13,806
14,548
17,617
13,154
12,767
12,398
9,395
6,533
7,804
5,982
3,052
3,844
4,398.52
Basic EPS, GAAP
9,659.75
8,846.42
17,846.75
5,543.43
24,297.2
22,695.13
22,248.38
22,414.48
9,335.43
10,811.16
13,069.72
10,869.58
6,759.21
3,566.15
4,483.14
4,398.42
Free Cash Flow per Basic Share
15.47
5,028.86
4,491.6
2,451.92
14,564.71
7,785.13
9,797.19
6,587.98
4,442.15
4,589.81
1,506.05
3,282.34
4,049.68
2,984.1
2,865.97
- -
Dividend per Share
43,097.64
45,669.89
44,539.03
52,218.09
52,363.02
55,882.69
56,578.99
59,880.04
64,081.76
69,367.29
78,630.16
69,086.78
74,405.94
74,048.39
74,331.08
71,766.94
Book Value per Share
42,755.71
45,421.96
44,286.4
51,917.74
52,092.19
55,503.43
56,231.51
59,303.53
63,268.36
68,499.74
77,821.63
68,351.96
73,068.94
72,111.73
72,109.82
69,788.66
Tangible Book Value per Share
35
35
35
35
35
35
35
35
35
35
70
70
70
70
70
70
Basic Weighted Avg Shares
1,639,787
1,711,999
1,185,808
1,615,892
1,577,963
1,727,095
1,902,751
1,964,133
2,197,230
2,012,889
1,940,252
2,068,002
2,218,893
2,269,382
2,344,869
2,459,062
Sales/Revenue/Turnover
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
Operating Margin (%)
17,118
15,074
7,940
12,876
14,470
14,015
15,842
15,834
27,723
35,744
39,358
41,927
42,179
42,076
68,173
70,058
Depreciation Expense
369,593
314,031
113,156
481,994
507,890
615,014
459,208
445,708
432,810
328,001
456,129
544,855
417,659
213,100
268,373
307,094
Net Income, GAAP
25.52
23.83
27.52
23.73
23.65
24.15
25.63
25.96
22.71
23.21
29.53
22.99
19.79
24.63
28.31
29.57
Effective Tax Rate (%)
22.54
18.34
9.54
29.83
32.19
35.61
24.13
22.69
19.7
16.3
23.51
26.35
18.82
9.39
11.45
12.49
Profit Margin (%)
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
Working Capital
229,960
228,668
243,860
194,940
170,419
132,919
107,378
46,829
45,642
44,464
43,272
42,073
40,858
39,650
38,426
38,771
LT Debt
3,010,715
3,190,337
3,112,405
3,653,577
3,660,796
3,906,073
3,954,404
4,184,967
4,478,453
4,847,688
5,494,882
4,828,855
5,200,388
5,175,466
5,195,173
5,016,091
Total Equity
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
Return on Invested Capital (%)
- -
9.87
3.56
13.65
13.47
15.82
11.49
10.86
9.98
7.06
8.81
10.53
8.34
4.15
5.22
6.04
Return on Capital (%)
- -
10.13
3.59
14.27
13.91
16.27
11.7
10.96
10
7.04
8.83
10.57
8.34
4.11
5.18
6.02
Return on Common Equity (%)

Capital Structure

KRW

•

in mil. unless spec.
Dec'25
Mar'26
Jun'26
ST Debt
- -
- -
- -
LT Borrowings
38,426
38,593
38,771
LT Finance Leases
- -
- -
- -
Preferred Equity and Hybrid Capital
- -
- -
- -
Shares Outstanding
70
70
70
Market Capitalization
3,473,625
3,644,687
2,897,596

Working Capital

KRW

•

in mil. unless spec.
Dec'25
Mar'26
Jun'26
Total Current Assets
- -
- -
- -
Cash, Cash Equivalents & STI
6,374,918
6,352,057
6,206,959
Accounts Receivable, Net
- -
- -
- -
Inventories
- -
- -
- -
Total Current Liabilities
- -
- -
- -
Payables & Accruals
- -
- -
- -
ST Debt
- -
- -
- -
Deferred Revenue
- -
- -
- -

Growth Rates

KRW

•

in mil. unless spec.

(avg. rate of change)

10 years
5 years
1 year
Total Equity
3.78%
1.76%
0.38%
Free Cash Flow
1.52%
13.11%
25.7%
Net Income, GAAP
-2.22%
2.43%
25.94%
Sales/Revenue/Turnover
4.22%
3.18%
3.33%
Total Cash Common Dividend
-0.6%
15.33%
-3.97%

Quarterly Revenue

KRW

•

in mil. unless spec.

Year

Q1
Q2
Q3
Q4
FY
2024
569,871
570,144
548,864
580,149
2,269,382
2025
558,596
616,096
573,225
596,951
2,344,869
2026
689,893
598,993
- -
- -
- -

Quarterly Earnings Per Share

KRW

•

in mil. unless spec.

Year

Q1
Q2
Q3
Q4
FY
2024
433
724
709
1,186.43
3,052
2025
277
938
886.38
1,742.52
3,844
2026
822.59
947
- -
- -
- -

Quarterly Dividends Per Share

KRW

•

in mil. unless spec.

Year

Q1
Q2
Q3
Q4
FY
2024
- -
- -
- -
- -
2,984.1
2025
- -
- -
- -
- -
2,865.97
2026
- -
- -
- -
- -
- -
Similar Companies
Aditya Birla Capital Ltd. (NSE:ABCAPITAL)
Lemonade, Inc. (NYSE:LMND)
Allianz SE (XETR:ALV)
Progressive Corporation (The) (NYSE:PGR)
Turkiye Sigorta A.S. (BIST:TURSG)
Allstate Corporation (The) (NYSE:ALL)
Business
Seoul Guarantee Insurance Co., Ltd. (031210.KS) operates as a credit guarantee company in South Korea, providing financial guarantees and insurance services to support small and medium-sized enterprises (SMEs), mutual savings banks, and other financial institutions. The company offers core products and services including credit guarantees for loans and bonds; export credit guarantees; mutual credit guarantees among SMEs; construction guarantees; and credit enhancement services such as asset-backed securities guarantees and project financing guarantees. It also provides specialized services like technology development guarantees, venture capital guarantees, and policy-based guarantees under government programs, primarily serving domestic markets with a focus on manufacturing, construction, and technology sectors. Founded in 1992 and headquartered in Seoul, South Korea, the company maintains operations exclusively within the country through its main entity, with no significant subsidiaries or parent company relationships reported. In recent developments, Seoul Guarantee Insurance expanded its digital transformation initiatives in 2024 by launching an AI-driven risk assessment platform for faster guarantee approvals; formed a strategic alliance with Korea Development Bank in early 2025 for joint SME financing programs; and completed a capital increase through a rights offering in late 2024 to bolster its guarantee capacity amid rising demand.