Samsung Life Insurance삼성생명

Samsung Life's filed profits are up over the past year, but the shares have fallen sharply in the last three months.

Samsung Life Insurance is South Korea's leading life insurer, with trailing twelve-month operating income of ₩2.89T and net income of ₩2.80T to H1 2026. The share price is ₩241,500, down 26.7% over three months but up 51.3% over one year, and it sits well below its 52-week high of ₩516,500. Revenue and margin figures are not included in the data.

What stands out

• Net income rose from ₩1.90T in 2023 to ₩2.30T in 2025, with ROE of 4.9% in 2025 and 3.2% on the trailing basis.
• Trailing liabilities are about 213% of equity, and borrowings stand at ₩26.97T against cash of ₩4.80T.
• Valuation is 17.2x trailing P/E and 0.3x P/B, with no dividend yield shown; the excess-return fair value model gives a base of ₩287,195 against the current price, with a bear of ₩90,350 and a bull of ₩541,791.
• Recent filings are mostly related-party transactions and a debt-capital issuance decision, and news flow centres on senior health products, a care-services partnership and a retirement pension ranking gain.
• Over the last 20 trading days, foreign investors were net sellers of about ₩43.4B while institutions were net buyers of about ₩66.3B; foreign ownership eased from 23.4% to 23%.

What to watch

• Next results and whether operating and net income keep growing from the H1 2026 trailing base.
• Further filings on related-party transactions and the debt issuance, and any response to market rumours.
• Whether the sharp three-month share price fall continues, given the wide gap between the bear and bull fair value estimates.