031210 - Seoul Guarantee Insurance Company

031210 Summary

Insurance

Stock Price & Overview

₩43,650 -1,200 (-2.68%) Close · Sep 4, 2026 KST

KOSPI | ₩KRW | Close: ₩43,650 ≈ US$31 · Market cap ₩3.0tn (≈ $2.2bn)

031210 Financial Statements

Breakdown ₩ bn	FY2025	FY2024	FY2023
Selling, General & Administrative	-8.7	-8.1	-6.8
Operating Income	375.7	279.7	524.1
Pretax Income	374.4	283.0	521.1
Income Tax Expense	-106.0	-69.7	-103.1
Net Income	268.4	213.3	417.9
Total Comprehensive Income	219.8	183.4	654.3
Interest Income	186.3	176.0	161.2
Interest Expense	-5.9	-5.4	-5.6
Credit Loss Provisions	-1.5	-5.5	-1.2

Breakdown ₩ tn	FY2025	FY2024	FY2023
Total Assets	9.41	9.33	9.13
Property, Plant & Equipment	0.14	0.14	0.14
Intangible Assets	0.16	0.14	0.09
Total Liabilities	4.21	4.16	3.93
Total Equity	5.20	5.18	5.20
Share Capital	0.17	0.17	0.17
Retained Earnings	5.04	4.97	4.97

Breakdown ₩ bn	FY2025	FY2024	FY2023
Cash from Operating Activities	387.2	315.0	540.9
Cash from Investing Activities	-209.5	-95.7	-199.2
Purchase of Property, Plant & Equipment	14.1	10.1	12.0
Cash from Financing Activities	-220.2	-228.3	-301.6
Dividends Paid	200.1	208.4	282.7
Net Change in Cash	-44.7	-0.1	39.7

Breakdown ₩ bn	2026 Q2	2026 Q1	2025 Q4	2025 Q3	2025 Q2	2025 Q1
Selling, General & Administrative	2.2	-2.0	-2.5	-2.2	-2.1	1.9
Operating Income	87.0	93.5	182.9	80.9	84.5	27.3
Pretax Income	87.0	85.5	182.6	81.0	85.1	25.7
Income Tax Expense	21.0	-28.0	-60.8	-19.1	-19.7	6.3
Net Income	66.0	57.5	121.8	61.8	65.4	19.4
Total Comprehensive Income	31.0	-10.0	8.6	-18.4	169.1	60.5
Interest Income	48.5	46.5	47.0	46.4	47.4	45.4
Interest Expense	2.1	-1.4	-1.4	-1.4	-1.5	1.5
Credit Loss Provisions	—	-0.2	—	—	—	—

Breakdown ₩ tn	2026 Q2	2026 Q1	2025 Q4	2025 Q3	2025 Q2	2025 Q1
Total Assets	9.30	9.46	9.41	9.39	9.44	9.54
Property, Plant & Equipment	0.14	0.14	0.14	0.14	0.14	0.14
Intangible Assets	0.14	0.15	0.16	0.16	0.17	0.18
Total Liabilities	4.28	4.47	4.21	4.21	4.23	4.50
Total Equity	5.02	4.99	5.20	5.19	5.20	5.04
Share Capital	0.17	0.17	0.17	0.17	0.17	0.17
Retained Earnings	4.97	4.90	5.04	4.92	4.86	4.79

Breakdown ₩ bn	2026 Q2	2026 Q1	2025 Q4	2025 Q3	2025 Q2	2025 Q1
Cash from Operating Activities	65.5	69.6	155.4	37.4	43.2	151.2
Cash from Investing Activities	140.5	-74.0	-154.4	-44.6	154.6	-165.0
Purchase of Property, Plant & Equipment	4.4	0.3	4.6	0.3	2.1	7.1
Cash from Financing Activities	-204.8	-4.6	-4.4	-6.5	-204.7	-4.6
Dividends Paid	—	—	0.0	0.0	—	—
Net Change in Cash	2.6	-5.5	-1.9	-10.7	-13.3	-18.7

Consolidated (CFS), from DART. 3 fiscal years and 6 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.

031210 Growth

FY2025 ₩bn	Latest	1-yr	3-yr CAGR	5-yr CAGR	10-yr CAGR
Revenue	—	—	—	—	—
Operating income	375.7	+34.3%	—	—	—
Net income	268.4	+25.9%	—	—	—
EPS	₩3,844	+25.9%	—	—	—
Operating cash flow	387.2	+22.9%	—	—	—
Shareholders' equity	5,195.2	+0.4%	—	—	—

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.

031210 Profitability

Ratio	FY2025	FY2024	FY2023
Operating margin	—	—	—
Net margin	—	—	—
Return on equity	5.2%	4.1%	8.0%
Return on assets	2.9%	2.3%	4.6%
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.