KakaoBank Past Earnings Performance
Past criteria checks 4/6
KakaoBank has been growing earnings at an average annual rate of 22.5%, while the Banks industry saw earnings growing at 5.3% annually. Revenues have been growing at an average rate of 18.8% per year. KakaoBank's return on equity is 8%, and it has net margins of 30%.
Key information
22.48%
Earnings growth rate
21.03%
EPS growth rate
| Banks Industry Growth | 12.17% |
| Revenue growth rate | 18.77% |
| Return on equity | 8.00% |
| Net Margin | 30.03% |
| Next Earnings Update | 05 Aug 2026 |
Recent past performance updates
Recent updates
Narrative Update • Jun 27
A323410: Higher Margin Outlook Will Still Support Future Upside Potential
Analysts have raised their KakaoBank price target to ₩28,441 from ₩26,294, reflecting updated views on the discount rate, revenue growth, profit margin, and future P/E assumptions. What’s in the News for KakaoBank KakaoBank is scheduled to host an Analyst/Investor Day event, titled “KakaoBank Corp.
Narrative Update • Jun 13
A323410: Revised Margins And Future P/E Will Keep Shares Fairly Priced
Analysts have raised their fair value estimate for KakaoBank from ₩22,000 to ₩24,000, citing updated assumptions that now reflect positive revenue growth, a lower discount rate, a reduced profit margin, and a slightly higher future P/E multiple. What's in the News KakaoBank held an Analyst/Investor Day event, giving the market an opportunity to hear updated assumptions and explanations behind the revised fair value estimate.Analysis Article • May 05
Should You Be Adding KakaoBank (KRX:323410) To Your Watchlist Today?
The excitement of investing in a company that can reverse its fortunes is a big draw for some speculators, so even...
Narrative Update • Apr 06
A323410: Dividend And High Margin Outlook Will Support Share Re-Rating
Analysts keep their ₩33,000 price target on KakaoBank unchanged, citing slightly adjusted assumptions around the discount rate, revenue growth, profit margin, and future P/E that broadly offset one another in their updated models. What's in the News KakaoBank Corp.Narrative Update • Mar 23
A323410: Dividend And Higher Future P/E Will Keep Shares Fairly Priced
Analysts have kept their KakaoBank fair value estimate unchanged at ₩22,000. They explain the flat price target as the result of offsetting changes in key assumptions, including a slightly lower discount rate, a shift from 9.35% revenue growth to a 1.21% decline, a modestly higher profit margin at about 42.28%, and a higher assumed future P/E of roughly 19.91x.Narrative Update • Mar 09
A323410: Dividend Initiation And Stronger Profit Outlook Will Support Shares
Analysts have nudged their KakaoBank price target from ₩32,000 to ₩33,000, reflecting updated assumptions around slightly higher revenue growth, a modestly stronger profit margin, a marginally lower discount rate, and a small adjustment to expected future P/E. What's in the News KakaoBank Corp.Narrative Update • Feb 22
A323410: Rich Dividend And Lower P/E Will Still Fail To Justify Price
Narrative Update on KakaoBank Analysts have adjusted their KakaoBank fair value estimate from ₩21,000 to ₩22,000, tying the change to updated assumptions for revenue growth, profit margins, and a lower future P/E multiple. What's in the News KakaoBank Corp.Narrative Update • Feb 08
A323410: Higher Profitability Outlook And Dividend Plan Will Support Shares
Analysts have reset their price target on KakaoBank from ₩35,000 to ₩32,000, reflecting updated assumptions that include a lower forecast revenue growth rate, a higher projected profit margin, a slightly reduced discount rate, and a more modest future P/E multiple. What's in the News KakaoBank announced an annual dividend of ₩460.0000 per share, with an ex date set for February 26, 2026, and a record date of February 27, 2026 (Key Developments).Narrative Update • Jan 25
A323410: Slightly Lower Assumptions Will Still Support Future Upside Potential
Analysts have slightly reduced their price target for KakaoBank as updated assumptions for fair value, discount rate, revenue growth, profit margin, and future P/E have all been fine tuned. This has resulted in a modestly lower implied equity value in local currency terms.Narrative Update • Jan 10
A323410: Stable Assumptions And Future P/E Will Support Upside Potential
Analysts have adjusted their KakaoBank price targets marginally in line with small tweaks to key model inputs, including a slightly lower discount rate, a modest change in revenue growth and profit margin assumptions, and a future P/E now set at about 25x. The fair value estimate remains broadly unchanged at ₩27,264.71.Narrative Update • Dec 22
A323410: Profit Margin Improvements Will Offset Softer Revenue Expectations Ahead
Analysts have trimmed their price target on KakaoBank slightly from ₩21,146 to ₩21,000, reflecting more cautious revenue growth assumptions, offset by a modestly improved profit margin and slightly higher expected future valuation multiples. Valuation Changes The fair value estimate has been reduced slightly from around ₩21,146 to ₩21,000, reflecting marginally lower intrinsic value assumptions.Narrative Update • Dec 07
A323410: Higher Profitability Will Support Strong Future Upside Potential
Analysts have slightly lowered their price target on KakaoBank to KRW 27,265 from KRW 27,412, citing a modestly higher long term growth and profitability outlook that is offset by a slightly reduced valuation multiple. Valuation Changes Fair Value Estimate reduced slightly to ₩27,265 from ₩27,412.Narrative Update • Nov 11
A323410: Improving Profit Margins Will Drive Future Upside Potential
Narrative Update on KakaoBank Analysts have lowered their price target for KakaoBank from ₩28,375 to ₩27,411.76, citing softer revenue growth expectations along with a slight increase in profit margin outlook. Valuation Changes Consensus Analyst Price Target has decreased from ₩28,375 to ₩27,411.76, reflecting a downward adjustment.Narrative Update • Oct 28
Digital Banking And AI Will Expand Global Markets
KakaoBank’s analyst price target remains unchanged at ₩28,375. Analysts maintain their cautious outlook given minor adjustments to growth and profitability projections.Narrative Update • Oct 14
Digital Banking And AI Will Expand Global Markets
Analysts have adjusted their fair value estimate for KakaoBank downward by approximately ₩656. This change is due to modest decreases in revenue growth forecasts and profit margin expectations.Narrative Update • Sep 09
Digital Banking And AI Will Expand Global Markets
KakaoBank's consensus revenue growth forecast has improved while its future P/E has declined, indicating stronger anticipated earnings and a modestly more attractive valuation, though the consensus price target remains unchanged at ₩29,031. Valuation Changes Summary of Valuation Changes for KakaoBank The Consensus Analyst Price Target remained effectively unchanged, at ₩29031.
New Narrative • Nov 29
Driving Global Growth With Innovation And Strategic Partnerships
KakaoBank's expanded partnerships and diversified loan services are expected to boost revenue and positively impact operating earnings.Revenue & Expenses Breakdown
Revenue & Expenses Breakdown
How KakaoBank makes and spends money. Based on latest reported earnings, on an LTM basis.
Earnings and Revenue History
| Date | Revenue | Earnings | G+A Expenses | R&D Expenses |
|---|---|---|---|---|
| 31 Mar 26 | 1,765,554 | 530,160 | 495,957 | 0 |
| 31 Dec 25 | 1,662,825 | 480,280 | 483,387 | 0 |
| 30 Sep 25 | 1,629,955 | 459,530 | 503,867 | 0 |
| 30 Jun 25 | 1,618,973 | 472,296 | 484,668 | 0 |
| 31 Mar 25 | 1,590,953 | 466,284 | 472,293 | 0 |
| 31 Dec 24 | 1,538,611 | 440,065 | 462,689 | 0 |
| 30 Sep 24 | 1,511,054 | 431,268 | 450,075 | 0 |
| 30 Jun 24 | 1,441,230 | 402,519 | 438,533 | 0 |
| 31 Mar 24 | 1,358,778 | 364,254 | 428,675 | 0 |
| 31 Dec 23 | 1,306,766 | 354,912 | 408,956 | 0 |
| 30 Sep 23 | 1,270,890 | 339,814 | 411,287 | 0 |
| 30 Jun 23 | 1,222,664 | 323,114 | 398,571 | 0 |
| 31 Mar 23 | 1,157,557 | 298,146 | 380,047 | 0 |
| 31 Dec 22 | 1,082,939 | 263,091 | 363,909 | 0 |
| 30 Sep 22 | 1,003,900 | 238,711 | 330,419 | 0 |
| 30 Jun 22 | 925,017 | 211,990 | 303,411 | 0 |
| 31 Mar 22 | 875,635 | 224,268 | 271,008 | 0 |
| 31 Dec 21 | 808,288 | 204,124 | 256,405 | 0 |
| 30 Sep 21 | 729,991 | 195,703 | 212,471 | 0 |
| 30 Jun 21 | 673,256 | 184,322 | 194,436 | 0 |
| 31 Mar 21 | 602,914 | 141,819 | 185,482 | 0 |
| 31 Dec 20 | 552,039 | 113,636 | 173,997 | 0 |
| 31 Dec 19 | 381,515 | 13,733 | 139,337 | 0 |
| 31 Dec 18 | 250,257 | -20,955 | 109,986 | 0 |
| 31 Dec 17 | 32,789 | -104,491 | 67,386 | 0 |
| 31 Dec 16 | 1,330 | -15,302 | 12,389 | 0 |
Quality Earnings: A323410 has high quality earnings.
Growing Profit Margin: A323410's current net profit margins (30%) are higher than last year (29.3%).
Free Cash Flow vs Earnings Analysis
Past Earnings Growth Analysis
Earnings Trend: A323410's earnings have grown significantly by 22.5% per year over the past 5 years.
Accelerating Growth: A323410's earnings growth over the past year (13.7%) is below its 5-year average (22.5% per year).
Earnings vs Industry: A323410 earnings growth over the past year (13.7%) exceeded the Banks industry 9.1%.
Return on Equity
High ROE: A323410's Return on Equity (8%) is considered low.
Return on Assets
Return on Capital Employed
Discover strong past performing companies
Company Analysis and Financial Data Status
| Data | Last Updated (UTC time) |
|---|---|
| Company Analysis | 2026/07/20 17:08 |
| End of Day Share Price | 2026/07/20 00:00 |
| Earnings | 2026/03/31 |
| Annual Earnings | 2025/12/31 |
Data Sources
The data used in our company analysis is from S&P Global Market Intelligence LLC. The following data is used in our analysis model to generate this report. Data is normalised which can introduce a delay from the source being available.
| Package | Data | Timeframe | Example US Source * |
|---|---|---|---|
| Company Financials | 10 years |
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| Analyst Consensus Estimates | +3 years |
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| Market Prices | 30 years |
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| Ownership | 10 years |
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| Management | 10 years |
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| Key Developments | 10 years |
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* Example for US securities, for non-US equivalent regulatory forms and sources are used.
Unless specified all financial data is based on a yearly period but updated quarterly. This is known as Trailing Twelve Month (TTM) or Last Twelve Month (LTM) Data. Learn more.
Analysis Model and Snowflake
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Industry and Sector Metrics
Our industry and section metrics are calculated every 6 hours by Simply Wall St, details of our process are available on Github.
Analyst Sources
KakaoBank Corp. is covered by 24 analysts. 14 of those analysts submitted the estimates of revenue or earnings used as inputs to our report. Analysts submissions are updated throughout the day.
| Analyst | Institution |
|---|---|
| Kevin Kwek | Bernstein |
| Jisun Lee | BofA Global Research |
| Junghwan Lee | CGS International |