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Lotte Non - Life Insurance Co., Ltd. (000400.KS)
KRW2,280.00
+5.00 (+0.22%)
KR KSC Financial Services Insurance - Property & Casualty
Address
3, Sowol-ro 100-778
Seoul, KR
Seoul, KR
CEO
Eun-Ho Lee
Website
lotteins.co.kr
IPO
2002-01-28
ISIN KR7000400002
Description
Lotte Non-Life Insurance Co., Ltd. operates within South Korea, delivering a comprehensive array of non-life insurance solutions. Their product lineup includes policies for automobiles, property (fire), general liabilities, long-term risks, marine activities, and retirement planning, alongside reinsurance services. The company distributes these offerings to customers through LC consultants, strategic bancassurance partnerships, and dedicated financial centers. Founded in 1946 and headquartered in Seoul, South Korea, the firm is a subsidiary of Big Tura Co., Ltd.
Market Cap & Enterprise Value
Merger & Acquisition History
No mergers or acquisitions recorded for this company.
Technical Outlook
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Signal Summary
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| Indicator | 1D | 1W | 2W | 3W | 1M |
|---|
Each column is computed on that timeframe's candles (1D = daily, 1W ≈ weekly, 1M ≈ monthly), not on the same last day. ▲ bullish · ▼ bearish · — neutral. The Net row counts signals per column; hover any cell (or the indicator name) to see the exact rule behind it.
Day Score & sub-scores
Statistical fingerprint & regime detail
Conditional historical analysis
Customize analysis (advanced)
Indicative levels generated algorithmically. Not financial advice.
Risk Profile
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Price Chart
KRW2,280.00
+5.00 (+0.22%)
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Volume Profile
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Liquidity & share structure
Average Volume
908.1K
Beta
0.45
Float Shares
48.94M
Free Float %
15.8%
Price Performance
| 1D | 5D | 1M | 3M | 6M | YTD | 1Y | 3Y | 5Y | 10Y | Max |
|---|---|---|---|---|---|---|---|---|---|---|
| +3.86% | +4.12% | -1.60% | +10.65% | +19.05% | +23.63% | +39.79% | +27.45% | +6.17% | -24.56% | +22.83% |
Rolling Volatility
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Drawdown
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Relative Strength
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Monthly Returns Heatmap
From
To
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Annual Monthly Returns
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Daily Returns Distribution
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Revenue flow
Revenue by geography
Revenue by segment
From
To
Revenue composition
From
To
By product
By geography
Financial Statements
Select metrics from the tables below to build your comparison.
Income Statement
Balance Sheet
Cash Flow Statement
Key Metrics
Financial Ratios
Employees
Financial Growth (CAGR)
Market Data
Price Targets & DCF
Current price
2,280.00
DCF (Unlevered)
14,239.02
+524.5%
DCF (Levered)
20,650.25
+805.7%
DCF figures are point estimates: small changes in growth or discount-rate assumptions move them materially. Read them as a reference, not a precise target.
Ratings Trend (MoM)
| Rating | 2024-11 | Change |
|---|---|---|
| Strong Buy | 0 | 0 |
| Buy | 0 | 0 |
| Hold | 0 | 0 |
| Sell | 0 | 0 |
| Strong Sell | 0 | 0 |
Quality scores
Altman Z-Score
0.51
Distress
Piotroski F-Score
5 / 9
Average
MOAT Score
3 / 10
No MOAT
Composite Rating
B
Overall Score
3 / 5
Medium
DCF Score
4 / 5
High
ROE Score
3 / 5
Medium
ROA Score
2 / 5
Medium
D/E Score
1 / 5
Low
P/E Score
3 / 5
Medium
P/Book Score
3 / 5
Medium
Operational MOAT
✗ Below peers
-
Revenue growth Insurance - Property & Casualty: +14.1%+42.5% ★ Q1'26: -0.8% (vs Q1'25)
-
EPS growth Insurance - Property & Casualty: +27.5%+142.4% ★ Q1'26: -288.3% (vs Q1'25)
-
FCF margin FCF growth · Insurance - Property & Casualty: +25.6%+45.0% ★ Q1'26: +27.4% (vs Q1'25)
-
EBIT margin Insurance - Property & Casualty: +16.3%+11.2% Q1'26: +5.7% (vs Q1'25)
-
ROIC Insurance - Property & Casualty: +7.9%+19.9% ★ Q1'26: +6.9% (vs Q1'25)
-
Share dilution Insurance - Property & Casualty: +0.4%+0.4% Q1'26: +0.0% (vs Q1'25)
-
Debt / EBITDA Net debt/EBITDA · Insurance - Property & Casualty: -0.10×2.26× Q1'26: 4.93× (vs Q1'25)
Valuation Multiples
From
To
Price Forecast (3Y)
From
To
Theoretical Return — If Invested Today
* These projections are based on analyst consensus estimates and user-defined valuation multiples. This table is for informational purposes only and does not constitute a recommendation to buy or sell any security. Past performance is not indicative of future results.
Consensus Estimates
| Metric |
Dec 2018 actual |
Dec 2019 actual |
Dec 2020 actual |
Dec 2021 actual |
Dec 2022 actual |
Dec 2023 actual |
Dec 2025 actual |
Dec 2026 1 Rev. Ana. 1 EPS Ana. |
Dec 2027 1 Rev. Ana. 1 EPS Ana. |
Dec 2028 1 Rev. Ana. 1 EPS Ana. |
Dec 2029 1 Rev. Ana. 1 EPS Ana. |
|---|---|---|---|---|---|---|---|---|---|---|---|
| Revenue |
3.04T
est: 2.38T (+27.9%)
|
2.55T
est: 2.38T (+7.2%)
|
2.75T
est: 2.51T (+9.6%)
|
2.27T
est: 2.32T (-2.2%)
|
1.49T
est: 2.42T (-38.6%)
|
1.99T
est: 2.54T (-21.8%)
|
3.22T
est: 2.38T (+35.5%)
|
2.51T
2.51T – 2.51T
+5.6% YoY
|
2.32T
2.32T – 2.32T
-7.6% YoY
|
2.42T
2.42T – 2.42T
+4.5% YoY
|
2.54T
2.54T – 2.54T
+4.9% YoY
|
| EBITDA |
144.73B
est: 355.44B (-59.3%)
|
-37.57B
est: 355.44B (-110.6%)
|
10.25B
est: 375.47B (-97.3%)
|
201.65B
est: 346.76B (-41.8%)
|
126.57B
est: 362.46B (-65.1%)
|
763.64B
est: 380.11B (+100.9%)
|
397.27B
est: 412.31B (-3.6%)
|
435.55B
435.55B – 435.55B
+5.6% YoY
|
402.25B
402.25B – 402.25B
-7.6% YoY
|
420.46B
420.46B – 420.46B
+4.5% YoY
|
440.93B
440.93B – 440.93B
+4.9% YoY
|
| EBIT |
135.15B
est: 320.50B (-57.8%)
|
-56.49B
est: 320.50B (-117.6%)
|
-12.81B
est: 338.57B (-103.8%)
|
177.67B
est: 312.68B (-43.2%)
|
99.83B
est: 326.84B (-69.5%)
|
723.35B
est: 342.75B (+111.0%)
|
360.35B
est: 375.91B (-4.1%)
|
397.10B
397.10B – 397.10B
+5.6% YoY
|
366.73B
366.73B – 366.73B
-7.6% YoY
|
383.34B
383.34B – 383.34B
+4.5% YoY
|
402.00B
402.00B – 402.00B
+4.9% YoY
|
| Net Income |
91.31B
est: 180.21B (-49.3%)
|
-51.17B
est: 180.21B (-128.4%)
|
-24.22B
est: 186.39B (-113.0%)
|
119.88B
est: 107.88B (+11.1%)
|
-99.20B
est: 123.95B (-180.0%)
|
285.58B
est: 143.43B (+99.1%)
|
51.32B
est: 180.93B (-71.6%)
|
187.13B
187.13B – 187.13B
+3.4% YoY
|
108.31B
108.31B – 108.31B
-42.1% YoY
|
124.44B
124.44B – 124.44B
+14.9% YoY
|
144.00B
144.00B – 144.00B
+15.7% YoY
|
| SGA |
170.71B
est: 79.25B (+115.4%)
|
169.52B
est: 79.25B (+113.9%)
|
147.26B
est: 83.71B (+75.9%)
|
136.83B
est: 77.31B (+77.0%)
|
18.52B
est: 80.81B (-77.1%)
|
43.75B
est: 84.75B (-48.4%)
|
46.15B
est: 60.62B (-23.9%)
|
64.04B
64.04B – 64.04B
+5.6% YoY
|
59.14B
59.14B – 59.14B
-7.6% YoY
|
61.82B
61.82B – 61.82B
+4.5% YoY
|
64.83B
64.83B – 64.83B
+4.9% YoY
|
| EPS |
686.30
est: 583.00 (+17.7%)
|
-308.51
est: 583.00 (-152.9%)
|
-78.34
est: 603.00 (-113.0%)
|
378.95
est: 349.00 (+8.6%)
|
-204.13
est: 401.00 (-150.9%)
|
965.39
est: 464.00 (+108.1%)
|
165.38
est: 583.00 (-71.6%)
|
603.00
603.00 – 603.00
+3.4% YoY
|
349.00
349.00 – 349.00
-42.1% YoY
|
401.00
401.00 – 401.00
+14.9% YoY
|
464.00
464.00 – 464.00
+15.7% YoY
|
Historical Ratings (3M)
| Date | Rating | Overall | DCF | ROE | ROA | D/E | P/E | P/B |
|---|---|---|---|---|---|---|---|---|
| 2026-05-13 | B | 3/5 | 4/5 | 3/5 | 2/5 | 1/5 | 3/5 | 3/5 |
| 2026-05-12 | B | 3/5 | 5/5 | 3/5 | 2/5 | 1/5 | 3/5 | 3/5 |
| 2026-05-11 | B | 3/5 | 4/5 | 3/5 | 2/5 | 1/5 | 3/5 | 3/5 |
| 2026-05-08 | B | 3/5 | 4/5 | 3/5 | 2/5 | 1/5 | 3/5 | 3/5 |
| 2026-05-07 | B | 3/5 | 4/5 | 3/5 | 2/5 | 1/5 | 3/5 | 3/5 |
| 2026-05-06 | B | 3/5 | 4/5 | 3/5 | 2/5 | 1/5 | 3/5 | 3/5 |
| 2026-05-04 | B | 3/5 | 4/5 | 3/5 | 3/5 | 1/5 | 3/5 | 3/5 |
| 2026-04-30 | B | 3/5 | 4/5 | 3/5 | 3/5 | 1/5 | 3/5 | 3/5 |
| 2026-04-29 | B | 3/5 | 4/5 | 3/5 | 3/5 | 1/5 | 3/5 | 3/5 |
| 2026-04-28 | B | 3/5 | 4/5 | 3/5 | 3/5 | 1/5 | 3/5 | 3/5 |
| 2026-04-27 | B | 3/5 | 4/5 | 3/5 | 3/5 | 1/5 | 3/5 | 3/5 |
| 2026-04-24 | B | 3/5 | 4/5 | 3/5 | 3/5 | 1/5 | 3/5 | 3/5 |
| 2026-04-23 | B+ | 3/5 | 5/5 | 3/5 | 3/5 | 1/5 | 3/5 | 3/5 |
| 2026-04-22 | B+ | 3/5 | 5/5 | 3/5 | 3/5 | 1/5 | 3/5 | 3/5 |
| 2026-04-21 | B+ | 3/5 | 5/5 | 3/5 | 4/5 | 1/5 | 3/5 | 3/5 |
| 2026-04-20 | B+ | 3/5 | 5/5 | 3/5 | 4/5 | 1/5 | 3/5 | 3/5 |
| 2026-04-17 | B+ | 3/5 | 5/5 | 3/5 | 4/5 | 1/5 | 3/5 | 3/5 |
| 2026-04-16 | B+ | 3/5 | 5/5 | 3/5 | 4/5 | 1/5 | 3/5 | 3/5 |
| 2026-04-15 | B+ | 3/5 | 5/5 | 3/5 | 4/5 | 1/5 | 3/5 | 3/5 |
Owner Earnings
Owner's Earnings (history)
From
To
Owner alignment
Owner's Earnings TTM
806.20B
OE per share TTM
2,455.68
Owner's Yield
125.55%
Maintenance CapEx ratio
—
Maint CapEx / Avg PPE
3.6%
Ownership Overview
Ownership breakdown
Ownership breakdown not available.
At a glance
Institutional holders
—
Total invested
—
Insider transactions (90d)
0
Beneficial owners (>5%)
0
Beneficial owners (>5%)
No beneficial ownership filings recorded.
Institutional Activity (13F)
Institutional ownership trend
Institutional history not available.
Top institutional holders
Top holders not available.
Insider Activity
Insider Activity — Latest Quarter
No insider activity available.
Insider buys vs sells (history)
Insider history not available.
Recent insider transactions
No recent insider transactions.
Executive team
Top executives
EBIT / Employee
285.31M
Shares Outstanding
309.11M
Executive compensation
Executive compensation (annual)
Executive compensation not available.
CEO compensation breakdown
No CEO compensation history available.
Proxy statements
Proxy statements (DEF 14A)
No proxy statements available for this company yet.
Recent SEC filings
Recent SEC filings
No SEC filings available for this company yet.
Executive team
| Name | Title | Compensation | Gender |
|---|---|---|---|
| Eun-Ho Lee | Chief Executive Officer & Acting Representative Director | — | male |
| GiSeong Ahn | MD & Head of Finance Group | — | male |
| GyuCheol Lee | MD & Compliance Officer | — | male |
| Gyung Oh | Chief Information Security Officer & Executive Director | — | male |
| HyeonGi Lee | Head of Automobile & Executive Director | — | male |
| Hyung-il Kim | MD & Strategic Sales Group Leader | — | male |
| Jaehyun Park | MD & Head of Financial Investment Group | — | male |
| JongTaek Do | Chief Internal Control Officer & Executive Director | — | male |
| Joon Hyun Kim | Executive Director & Chief Audit Officer | — | male |
| JunYong Song | MD & Head of Asset Management | — | male |
| Min-Ho Kim | Executive Director & Head of Automobile Compensation Group | — | male |
| Wonjin Choi | Executive Director | — | male |
ESG Score History
No data available for this company.
Senate Trading Activity
No Senate trading activity found for this company.
House Trading Activity
No House trading activity found for this company.
Market share among peers
Peer comparison — filtered group (TTM)
Your opinion
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Community Opinion for 000400.KS
Short-term intention
Target Price Distribution
These are community opinions and do not constitute buy or sell advice to act on. The results shown are based on aggregated opinions and are not an investment recommendation, nor do they intend to influence any investment decision.
