000400 - Lotte Non-Life Insurance Co., Ltd.

000400 Summary

Insurance

Stock Price & Overview

₩2,050 -95 (-4.43%) Close · Sep 4, 2026 KST

KOSPI | ₩KRW | Close: ₩2,050 ≈ US$1 · Market cap ₩0.6tn (≈ $454m)

000400 Financial Statements

Breakdown ₩ bn	FY2025	FY2024	FY2023	FY2022	FY2021
Selling, General & Administrative	9.3	8.8	7.7	9.7	8.9
Operating Income	64.7	31.1	375.4	-125.1	129.4
Pretax Income	63.8	33.3	373.5	-131.7	156.5
Income Tax Expense	12.5	9.1	87.9	-32.5	36.6
Net Income	51.3	24.2	285.6	-99.2	119.9
Total Comprehensive Income	-178.1	-504.4	131.1	674.3	64.7
Interest Income	387.1	374.4	342.5	351.5	126.3
Interest Expense	296.6	350.3	349.9	231.6	21.2

Breakdown ₩ tn	FY2025	FY2024	FY2023	FY2022	FY2021
Total Assets	14.41	15.54	14.91	16.76	18.91
Cash & Cash Equivalents	0.89	0.80	1.31	0.92	0.25
Property, Plant & Equipment	0.02	0.02	0.02	0.06	0.05
Intangible Assets	0.05	0.05	0.06	0.03	0.03
Total Liabilities	13.80	14.75	13.61	14.96	17.91
Total Equity	0.61	0.79	1.30	1.80	1.00
Share Capital	0.31	0.31	0.31	0.31	0.31
Retained Earnings	0.42	0.37	0.35	0.23	0.32

Breakdown ₩ tn	FY2025	FY2024	FY2023	FY2022	FY2021
Cash from Operating Activities	-0.72	-0.21	2.13	-0.39	0.13
Cash from Investing Activities	0.83	-0.09	0.56	-2.59	-0.05
Purchase of Property, Plant & Equipment	0.01	0.01	0.02	0.03	0.02
Cash from Financing Activities	-0.02	-0.22	-2.29	2.95	-0.09
Net Change in Cash	0.08	-0.51	0.39	-0.03	-0.01

Breakdown ₩ bn	2026 Q2	2026 Q1	2025 Q4	2025 Q3	2025 Q2	2025 Q1	2024 Q4	2024 Q3	2024 Q2	2024 Q1
Selling, General & Administrative	2.1	2.1	2.4	2.2	2.6	2.1	2.9	1.9	2.1	2.0
Operating Income	3.1	-28.5	-64.6	68.0	48.3	13.0	-76.8	23.9	32.8	51.1
Pretax Income	2.6	-26.7	-64.3	68.0	47.0	13.1	-76.6	22.8	34.0	53.2
Income Tax Expense	1.3	-7.0	-16.6	16.4	10.8	1.8	-16.4	4.6	8.6	12.3
Net Income	1.3	-19.8	-47.7	51.5	36.2	11.3	-60.2	18.2	25.4	40.9
Total Comprehensive Income	288.8	91.2	22.9	-6.7	93.5	-287.8	-129.0	-78.0	-135.6	-161.9
Interest Income	93.0	92.3	93.6	98.7	102.8	92.0	105.2	87.4	92.6	89.2
Interest Expense	65.8	62.8	70.5	71.5	75.4	79.1	86.1	88.1	88.9	87.3

Breakdown ₩ tn	2026 Q2	2026 Q1	2025 Q4	2025 Q3	2025 Q2	2025 Q1	2024 Q4	2024 Q3	2024 Q2	2024 Q1
Total Assets	13.64	13.87	14.41	14.88	14.83	15.59	15.54	15.31	15.11	14.86
Cash & Cash Equivalents	0.58	0.67	0.89	0.56	0.85	0.50	0.80	0.54	0.60	0.77
Property, Plant & Equipment	0.02	0.02	0.02	0.02	0.02	0.02	0.02	0.02	0.02	0.02
Intangible Assets	0.04	0.04	0.05	0.05	0.05	0.06	0.05	0.05	0.05	0.06
Total Liabilities	12.64	13.16	13.80	14.29	14.23	15.08	14.75	14.43	14.15	13.77
Total Equity	0.99	0.70	0.61	0.59	0.60	0.51	0.79	0.88	0.96	1.09
Share Capital	0.31	0.31	0.31	0.31	0.31	0.31	0.31	0.31	0.31	0.31
Retained Earnings	0.40	0.40	0.42	0.47	0.42	0.38	0.37	0.46	0.45	0.42

Breakdown ₩ bn	2026 Q2	2026 Q1	2025 Q4	2025 Q3	2025 Q2	2025 Q1	2024 Q4	2024 Q3	2024 Q2	2024 Q1
Cash from Operating Activities	-20.0	152.9	-369.1	-318.5	-308.6	274.2	-115.7	-274.2	291.3	-108.4
Cash from Investing Activities	-71.6	-360.9	695.3	33.4	665.2	-568.5	260.5	204.7	-143.5	-411.1
Purchase of Property, Plant & Equipment	0.5	1.9	3.8	3.0	4.8	1.6	4.5	4.2	3.1	2.2
Cash from Financing Activities	-3.8	-3.3	-4.0	-4.6	-4.7	-4.3	114.2	5.4	-315.1	-24.6
Net Change in Cash	-95.5	-211.0	322.3	-289.6	350.6	-298.4	261.3	-65.3	-166.4	-542.7

Separate / parent-only (OFS) — this company files no consolidated statements, from DART. 5 fiscal years and 10 quarters. Accounts matched on IFRS account_id, not Korean labels, so the same line holds across years where the Korean wording changed. Quarterly figures are three-month values: income quarters from DART's three-month column, cash-flow quarters differenced from DART's cumulative figures, and Q4 as annual minus nine-month cumulative.

000400 Growth

FY2025 ₩bn	Latest	1-yr	3-yr CAGR	5-yr CAGR	10-yr CAGR
Revenue	—	—	—	—	—
Operating income	64.7	+108.4%	—	—	—
Net income	51.3	+111.9%	—	—	—
EPS	₩165	+111.9%	—	—	—
Operating cash flow	-722.1	—	—	—	—
Shareholders' equity	613.5	-22.8%	-30.2%	—	—

Compound annual growth from the DART annual statements on this page. n/m where either end of the period is a loss or missing. EPS uses today's share count for every year.

000400 Profitability

Ratio	FY2025	FY2024	FY2023	FY2022	FY2021
Operating margin	—	—	—	—	—
Net margin	—	—	—	—	—
Return on equity	7.3%	2.3%	18.4%	-7.1%	12.0%
Return on assets	0.3%	0.2%	1.8%	-0.6%	0.6%
Operating cash flow / revenue	—	—	—	—	—
Capex / revenue	—	—	—	—	—

Margins divide by revenue for the same year. Return on equity and assets divide net income by the average of that year's and the prior year's balance, as DART reports them (consolidated, including minority interests).

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What a US investor should know

Trading hours09:00–15:30 KST — 20:00–02:30 US Eastern the night before.
Daily limitKorean stocks can move at most ±30% in a session before trading halts.
Getting exposureKRX shares are not directly tradable in most US brokerage accounts. The usual routes are Korea ETFs or an international account.
ReportingKorean issuers file to DART, not the SEC. Half-year and quarterly reports land about 45 days after period end.