Samsung Life Insurance Co., Ltd. (032830.KS) stock analysis

In our weekly check, Samsung Life Insurance Co., Ltd. is graded C (A to F). Of 25 checks on debt, profit, cash flow and trend: 12 pass, warnings: 5, red flags: 8.

About Samsung Life Insurance Co., Ltd.

Samsung Life Insurance Co., Ltd. is a Financial Services company (Insurance - Life) based in South Korea, listed on KSC as 032830.KS.

What our checks show for 032830.KS

Red flags

• The gross margin fell by 10.5 points, to 83.3%: costs are rising faster than prices.
• Operating cash flow is only 0.19x net profit: part of the reported profit does not arrive as cash.
• Analysts expect revenue to shrink about 75% a year.
• The price swings a lot: 69% annual volatility. Expect large ups and downs.
• The stock has fallen as much as 77% from a peak. Would you have held through that?
• Recovering from its deepest fall took about 5.1 years.
• Return on capital (ROCE) is only 0.8%.

Warning signs

• The net margin is only 8%: little room if costs rise.
• Free cash flow is only 1.4% of revenue.
• Free cash flow covers the dividend only 0.5 times.
• Thinly traded (about 374 thousand shares a day): buying and selling can move the price.

Strengths

• The net margin rose by 2.8 points over 5 years, to 8%.
• Analysts expect earnings per share to grow about 23.7% a year over the next years.
• Analysts expect the net margin to improve by 407 points from today's 8%.
• Revenue grew 20.8% a year over the last 3 years.
• Earnings per share grew 19.2% a year over the last 3 years.
• A large company: market value $33.21 billion.

Next earnings report: 2026-11-12

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Questions

What grade does Samsung Life Insurance Co., Ltd. (032830.KS) have?

In our weekly check, Samsung Life Insurance Co., Ltd. is graded C (A to F). Of 25 checks on debt, profit, cash flow and trend: 12 pass, warnings: 5, red flags: 8. The grade is a risk check, not a buy or sell recommendation.

What are the main risks of 032830.KS stock?

This week's biggest flags for Samsung Life Insurance Co., Ltd.: Gross margin falling, Profits not backed by cash, Weak revenue forecast. In total 13 of 25 checks show a warning or a red flag.

What does Samsung Life Insurance Co., Ltd. do?

Samsung Life Insurance Co., Ltd. is a Financial Services company (Insurance - Life) based in South Korea, listed on KSC as 032830.KS.

When does Samsung Life Insurance Co., Ltd. report earnings next?

The next earnings report is expected on 2026-11-12. We re-run the checks every week, so the grade can change after it.

The grade is a risk check, not a price forecast, and not investment advice. In our 10-year test (S&P 500, 2016-2026), stocks we graded A or B fell more than 30% 2-3 times less often than D or F, without a lower average return.

Updated 2026-10-24

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