DB Insurance Co Ltd

DB Insurance Co Ltd maintains a conservative capital structure with a debt-to-equity ratio of 0.26, indicating low leverage relative to its equity base of 10.88 trillion KRW. The company holds 1.54 trillion KRW in cash and equivalents against 2.79 trillion KRW in long-term debt, resulting in a negative net cash position as flagged in the risk assessment. Despite this, the firm generates positive free cash flow of 1.39 trillion KRW, supported by operating cash flow of -282.42 billion KRW and capital expenditures of -109.74 billion KRW. The current ratio is not explicitly provided, but the liquidity risk is assessed as medium, suggesting adequate short-term solvency despite the negative net cash flag.

Profitability metrics demonstrate strong returns, with a return on equity (ROE) of 16.43% and a return on assets (ROA) of 2.42%. The company reports net income of 1.79 trillion KRW on operating income of 1.74 trillion KRW, indicating efficient conversion of operating profits to bottom-line earnings. Valuation multiples reflect this profitability, with a price-to-earnings (P/E) ratio of 4.95 and a price-to-book (P/B) ratio of 0.81, suggesting the market values the company below its book value. The EV/EBITDA ratio stands at 5.80, further indicating a potentially undervalued position relative to earnings before interest, taxes, depreciation, and amortization.

Segment and geographic revenue mix data are not available in the provided input, preventing a detailed analysis of revenue concentration or regional exposure. The company’s activity is broadly classified as Multiline Insurance & Brokers, implying a diversified product offering, but specific segment contributions cannot be quantified from the current data.

Growth trajectory analysis is limited due to the absence of historical period data for revenue and net income trends. Without five-year annual or eight-quarter quarterly data, it is not possible to assess the company’s historical growth rates or momentum. The current financial snapshot provides a static view of performance, lacking the temporal context needed to evaluate growth sustainability.

Risk factors include a medium liquidity risk and low dilution risk. The key flag notes that net cash is negative after subtracting total debt, which may impact financial flexibility. However, the low dilution risk suggests that share count stability is maintained, with basic and diluted shares outstanding both at 60.64 million. The absence of significant dilution sources supports the integrity of per-share metrics.

Recent events include analyst estimates with a mean price target of 212,214.29 KRW and a median target of 211,500.00 KRW, indicating a potential upside from the current market price of 145,900.00 KRW. The mean recommendation is 1.90, with 5 strong buys and 13 buys, reflecting positive analyst sentiment. No specific filing, news, or transcript observations are provided, limiting the context of recent corporate actions or market reactions.

Operating income +1 293,3% YoY; Net income −3,4% YoY.

• ▍Operating income +1 293,3% YoY
• ▍Net income −3,4% YoY
• ▍Free cash flow −12,7% YoY

Operating income −91,3% YoY; Net income +6,5% YoY.

• ▍Operating income −91,3% YoY
• ▍Net income +6,5% YoY
• ▍Free cash flow +4,7% YoY

Operating income −28,0% YoY; Net income −14,5% YoY.

• ▍Operating income −28,0% YoY
• ▍Net income −14,5% YoY
• ▍Free cash flow −18,5% YoY

Operating income +358,9% YoY; Net income +133,9% YoY.

• ▍Operating income +358,9% YoY
• ▍Net income +133,9% YoY
• ▍Free cash flow +131,7% YoY

Operating income KRW 437.43B.

• ▍Operating income KRW 437.43B