1. South Korea Stocks

  2. •

    Finance

  3. •

    Insurance brokers/Services
INCAR FINANCIAL SERVICE Co.,Ltd.

INCAR FINANCIAL SERVICE Co.,Ltd.

KKRX:211050
9,730.00
KRW
-20.00
(-0.21%)
1,678.32EPS
5.96P/E
492.45BMarket Cap
2017 Y
2018 Y
2019 Y
2020 Y
2021 Y
2022 Y
2023 Y
2024 Y
2025 Y
TTM
Revenue per Share
5,104.25
5,341.63
5,438.31
6,698.89
3,500.15
7,925.54
2,169.98
16,906.45
20,915.88
24,278.07
Basic EPS, GAAP
16.7
33.3
75.7
251.2
182.4
410.4
115
1,260
1,480
1,686.55
Free Cash Flow per Basic Share
164.02
93.74
205
157.85
-23.85
-43.42
21.91
1,484.73
1,103.05
-315.41
Dividend per Share
- -
- -
- -
- -
- -
- -
12.01
71.54
99.62
- -
Book Value per Share
-303.57
242.83
307.58
558.18
923.02
1,428.82
1,923.11
3,048.13
4,390.88
4,911.23
Tangible Book Value per Share
-316.94
212.29
271.78
530.36
889.71
1,393.08
1,861.33
2,906.93
4,273.11
4,535.34
Basic Weighted Avg Shares
30
37
45
45
90
51
257
49
49
49
Sales/Revenue/Turnover
151,406
199,878
244,432
301,025
314,623
401,449
556,822
832,259
1,021,769
1,192,932
Operating Margin (%)
1.29
2.39
1.19
4.94
6.84
6.93
8.44
10.42
9.33
9.12
Depreciation Expense
674
794
6,589
7,867
8,725
11,009
12,330
13,407
16,323
18,098
Net Income, GAAP
495
1,246
3,402
11,288
16,396
20,788
29,509
62,026
72,300
82,871
Effective Tax Rate (%)
45.51
59.08
29.38
24.31
23.74
21.68
27.12
22.85
25.96
27.27
Profit Margin (%)
0.33
0.62
1.39
3.75
5.21
5.18
5.3
7.45
7.08
6.95
Working Capital
-13,083
2,853
-634
14,539
21,494
45,577
95,401
87,221
83,927
89,282
LT Debt
2,816
2,514
1,288
771
3,567
2,366
38,279
8,732
7,387
42,093
Total Equity
-8,990
10,913
13,822
25,085
41,480
73,412
96,749
147,260
214,410
239,277
Return on Invested Capital (%)
- -
18.24
8.96
30.09
27.43
25.04
25.76
36.32
29.66
27.87
Return on Capital (%)
- -
17.71
17.79
33.01
29.16
25.43
27.37
37.71
32.58
30.22
Return on Common Equity (%)
- -
- -
27.51
58.03
49.26
36.19
34.68
50.62
39.66
39.74

Capital Structure

KRW

•

in mil. unless spec.
Dec'25
Mar'26
Jun'26
ST Debt
44,223
36,224
54,572
LT Borrowings
5,350
4,517
37,792
LT Finance Leases
2,037
3,019
4,302
Preferred Equity and Hybrid Capital
- -
- -
- -
Shares Outstanding
49
49
49
Market Capitalization
630,980
566,946
492,445

Working Capital

KRW

•

in mil. unless spec.
Dec'25
Mar'26
Jun'26
Total Current Assets
788,976
770,135
804,848
Cash, Cash Equivalents & STI
119,296
93,047
100,439
Accounts Receivable, Net
124,371
110,130
110,719
Inventories
- -
- -
- -
Total Current Liabilities
705,050
722,839
715,566
Payables & Accruals
- -
- -
- -
ST Debt
44,223
36,224
54,572
Deferred Revenue
- -
- -
- -

Growth Rates

KRW

•

in mil. unless spec.

(avg. rate of change)

10 years
5 years
1 year
Total Equity
- -
54.39%
45.6%
Free Cash Flow
- -
138.16%
-26.27%
Net Income, GAAP
- -
48.15%
16.56%
Sales/Revenue/Turnover
- -
28.61%
22.77%
Total Cash Common Dividend
- -
- -
38.19%

Quarterly Revenue

KRW

•

in mil. unless spec.

Year

Q1
Q2
Q3
Q4
FY
2024
185,959
210,445
235,138
200,717
832,259
2025
230,099
238,768
270,810
282,091
1,021,769
2026
301,224
338,806
- -
- -
- -

Quarterly Earnings Per Share

KRW

•

in mil. unless spec.

Year

Q1
Q2
Q3
Q4
FY
2024
51.2
299
424
281.48
1,260
2025
325
357
443.61
354.05
1,480
2026
456.62
432.41
- -
- -
- -

Quarterly Dividends Per Share

KRW

•

in mil. unless spec.

Year

Q1
Q2
Q3
Q4
FY
2024
- -
- -
- -
- -
71.54
2025
- -
- -
- -
- -
99.62
2026
- -
- -
- -
- -
- -

Company Description

Company Profile APIChatGPT
Full Time Employees
407
Sector
Finance
Industry
Insurance brokers/Services
Address
Seoul South Korea
IPO Date
Oct 23, 2015
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Business
INCAR FINANCIAL SERVICE Co.,Ltd. is a South Korea-based corporate insurance general agency primarily engaged in the distribution, comparison, and marketing of life and non-life insurance products, alongside comprehensive financial advisory services. Founded in 1999 and headquartered in Seoul, South Korea, the company operates an extensive nationwide network of branch offices, affiliated agencies, and financial planners serving retail and corporate clients. The company's core product and service portfolio comprises life insurance products, including whole life, term life, universal, variable, annuity, and pension policies; non-life insurance products, encompassing automobile, driver, fire, marine, casualty, liability, and long-term health and medical indemnity insurance; corporate financial consulting services, including executive compensation planning, key person protection, business succession, corporate risk management, and tax advisory; personal wealth management solutions, featuring retirement planning, inheritance and gift tax consulting, and customized asset allocation advisory; and digital insurance technology platforms, incorporating artificial intelligence-driven policy comparison systems, enterprise customer relationship management software, and mobile sales enablement applications for insurance planners. In recent developments, INCAR FINANCIAL SERVICE Co.,Ltd. completed its listing transfer to the KOSDAQ market, significantly upgraded its digital insurtech infrastructure with advanced AI-powered comparative underwriting and quotation tools, broadened strategic distribution partnerships with leading domestic life and property and casualty insurance carriers, and expanded its corporate consulting divisions and regional sales networks to enhance planner productivity and client coverage across South Korea.