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A086

Hana Financial Group KOSE:A086790 Stock Report

Last Price

₩46.20k

Market Cap

₩13.3t

7D

3.8%

1Y

-2.1%

Updated

18 May, 2022

Data

Company Financials +
A086790 fundamental analysis
Snowflake Score
Valuation5/6
Future Growth1/6
Past Performance3/6
Financial Health6/6
Dividends5/6

A086790 Stock Overview

Hana Financial Group Inc., through its subsidiaries, provides financial services in South Korea.

Hana Financial Group Competitors

Price History & Performance

Summary of all time highs, changes and price drops for Hana Financial Group
Historical stock prices
Current Share Price₩46,200.00
52 Week High₩52,900.00
52 Week Low₩39,200.00
Beta1
1 Month Change-1.07%
3 Month Change-11.83%
1 Year Change-2.12%
3 Year Change24.70%
5 Year Change11.19%
Change since IPO-6.68%

Recent News & Updates

Shareholder Returns

A086790KR BanksKR Market
7D3.8%3.1%0.9%
1Y-2.1%3.9%-15.0%

Return vs Industry: A086790 underperformed the KR Banks industry which returned 3.9% over the past year.

Return vs Market: A086790 exceeded the KR Market which returned -15% over the past year.

Price Volatility

Is A086790's price volatile compared to industry and market?
A086790 volatility
A086790 Average Weekly Movement3.8%
Banks Industry Average Movement3.6%
Market Average Movement5.6%
10% most volatile stocks in KR Market10.3%
10% least volatile stocks in KR Market3.2%

Stable Share Price: A086790 is less volatile than 75% of KR stocks over the past 3 months, typically moving +/- 4% a week.

Volatility Over Time: A086790's weekly volatility (4%) has been stable over the past year.

About the Company

FoundedEmployeesCEOWebsite
1971n/aJung-Tai Kimhttps://www.hanafn.com

Hana Financial Group Inc., through its subsidiaries, provides financial services in South Korea. The company engages in the commercial and trust banking, foreign exchange, and merchant banking; investment trading, brokerage, advisory, investment, and finance arrangement and security investment trust services; and leasing, installment financing, and corporate and consumer loan businesses. It also provides real estate investment trust, life and non-life insurance, bancassurance, asset management and investment advisory, investment management, and loan products and services; property and liability insurance, reinsurance, and insurance payments; trust services for securities companies; and accounting and trust services for banks, pension funds, and other companies, as well as investments to venture firms and start-up companies.

Hana Financial Group Fundamentals Summary

How do Hana Financial Group's earnings and revenue compare to its market cap?
A086790 fundamental statistics
Market Cap₩13.28t
Earnings (TTM)₩3.13t
Revenue (TTM)₩9.96t

4.2x

P/E Ratio

0.4x

P/B Ratio

Earnings & Revenue

Key profitability statistics from the latest earnings report
A086790 income statement (TTM)
Revenue₩9.96t
Cost of Revenue₩0
Gross Profit₩9.96t
Other Expenses₩6.82t
Earnings₩3.13t

Last Reported Earnings

Dec 31, 2021

Next Earnings Date

n/a

Earnings per share (EPS)10.91k
Gross Margin100.00%
Net Profit Margin31.46%
Debt/Equity Ratio257.0%

How did A086790 perform over the long term?

See historical performance and comparison

Dividends

6.7%

Current Dividend Yield

29%

Payout Ratio

Valuation

Is Hana Financial Group undervalued compared to its fair value and its price relative to the market?

Valuation Score

5/6

Valuation Score 5/6

  • Below Fair Value

  • Significantly Below Fair Value

  • PE vs Industry

  • PE vs Market

  • PEG Ratio

  • PB vs Industry


>50%

Undervalued compared to fair value

Share Price vs. Fair Value

Below Fair Value: A086790 (₩46200) is trading below our estimate of fair value (₩162313.59)

Significantly Below Fair Value: A086790 is trading below fair value by more than 20%.


Price To Earnings Ratio

PE vs Industry: A086790 is good value based on its PE Ratio (4.2x) compared to the KR Banks industry average (4.4x).

PE vs Market: A086790 is good value based on its PE Ratio (4.2x) compared to the KR market (14.5x).


Price to Earnings Growth Ratio

PEG Ratio: A086790 is good value based on its PEG Ratio (0.5x)


Price to Book Ratio

PB vs Industry: A086790's PB Ratio (0.4x) is in line with the KR Banks industry average.


Future Growth

How is Hana Financial Group forecast to perform in the next 1 to 3 years based on estimates from 24 analysts?

Future Growth Score

1/6

Future Growth Score 1/6

  • Earnings vs Savings Rate

  • Earnings vs Market

  • High Growth Earnings

  • Revenue vs Market

  • High Growth Revenue

  • Future ROE


7.7%

Forecasted annual earnings growth

Earnings and Revenue Growth Forecasts


Analyst Future Growth Forecasts

Earnings vs Savings Rate: A086790's forecast earnings growth (7.7% per year) is above the savings rate (3.5%).

Earnings vs Market: A086790's earnings (7.7% per year) are forecast to grow slower than the KR market (15% per year).

High Growth Earnings: A086790's earnings are forecast to grow, but not significantly.

Revenue vs Market: A086790's revenue (3.9% per year) is forecast to grow slower than the KR market (9.6% per year).

High Growth Revenue: A086790's revenue (3.9% per year) is forecast to grow slower than 20% per year.


Earnings per Share Growth Forecasts


Future Return on Equity

Future ROE: A086790's Return on Equity is forecast to be low in 3 years time (10.1%).


Past Performance

How has Hana Financial Group performed over the past 5 years?

Past Performance Score

3/6

Past Performance Score 3/6

  • Quality Earnings

  • Growing Profit Margin

  • Earnings Trend

  • Accelerating Growth

  • Earnings vs Industry

  • High ROE


13.5%

Historical annual earnings growth

Earnings and Revenue History

Quality Earnings: A086790 has a high level of non-cash earnings.

Growing Profit Margin: A086790's current net profit margins (31.5%) are higher than last year (28.7%).


Past Earnings Growth Analysis

Earnings Trend: A086790's earnings have grown by 13.5% per year over the past 5 years.

Accelerating Growth: A086790's earnings growth over the past year (24.2%) exceeds its 5-year average (13.5% per year).

Earnings vs Industry: A086790 earnings growth over the past year (24.2%) underperformed the Banks industry 41.5%.


Return on Equity

High ROE: A086790's Return on Equity (10.1%) is considered low.


Financial Health

How is Hana Financial Group's financial position? (This company is analysed differently as a bank or financial institution)

Financial Health Score

6/6

Financial Health Score 6/6

  • Asset Level

  • Allowance for Bad Loans

  • Low Risk Liabilities

  • Loan Level

  • Low Risk Deposits

  • Level of Bad Loans

Financial Position Analysis


Debt to Equity History and Analysis


Balance Sheet


Financial Institutions Analysis

Asset Level: A086790's Assets to Equity ratio (14.2x) is moderate.

Allowance for Bad Loans: A086790 has a sufficient allowance for bad loans (163%).

Low Risk Liabilities: 70% of A086790's liabilities are made up of primarily low risk sources of funding.

Loan Level: A086790 has an appropriate level of Loans to Assets ratio (65%).

Low Risk Deposits: A086790's Loans to Deposits ratio (100%) is appropriate.

Level of Bad Loans: A086790 has an appropriate level of bad loans (0.4%).


Dividend

What is Hana Financial Group current dividend yield, its reliability and sustainability?

Dividend Score

5/6

Dividend Score 5/6

  • Notable Dividend

  • High Dividend

  • Stable Dividend

  • Growing Dividend

  • Earnings Coverage

  • Future Dividend Coverage


6.71%

Current Dividend Yield

Dividend Yield vs Market

Notable Dividend: A086790's dividend (6.71%) is higher than the bottom 25% of dividend payers in the KR market (0.84%).

High Dividend: A086790's dividend (6.71%) is in the top 25% of dividend payers in the KR market (2.72%)


Stability and Growth of Payments

Stable Dividend: A086790's dividend payments have been volatile in the past 10 years.

Growing Dividend: A086790's dividend payments have increased over the past 10 years.


Current Payout to Shareholders

Earnings Coverage: With its reasonably low payout ratio (28.8%), A086790's dividend payments are well covered by earnings.


Future Payout to Shareholders

Future Dividend Coverage: A086790's dividends in 3 years are forecast to be well covered by earnings (28.8% payout ratio).


Next Steps

Management

How experienced are the management team and are they aligned to shareholders interests?

3.3yrs

Average management tenure


CEO

Jung-Tai Kim (69 yo)

no data

Tenure

Mr. Jung-Tai Kim serves as the Chief Executive Officer of Hana Financial Group Inc. and serves as its Vice Chairman of Personal & Commercial Banking Division and Deputy President. Mr. Kim served as Chairma...


Leadership Team

Experienced Management: A086790's management team is considered experienced (3.3 years average tenure).


Board Members

Experienced Board: A086790's board of directors are not considered experienced ( 1.2 years average tenure), which suggests a new board.


Ownership

Who are the major shareholders and have insiders been buying or selling?


Insider Trading Volume

Insider Buying: Insufficient data to determine if insiders have bought more shares than they have sold in the past 3 months.


Ownership Breakdown

Dilution of Shares: Shareholders have not been meaningfully diluted in the past year.


Top Shareholders

Company Information

Hana Financial Group Inc.'s employee growth, exchange listings and data sources


Key Information

  • Name: Hana Financial Group Inc.
  • Ticker: A086790
  • Exchange: KOSE
  • Founded: 1971
  • Industry: Diversified Banks
  • Sector: Banks
  • Implied Market Cap: ₩13.284t
  • Shares outstanding: 287.22m
  • Website: https://www.hanafn.com

Number of Employees


Location

  • Hana Financial Group Inc.
  • 66, Eulji-ro
  • Jung-gu
  • Seoul
  • 4538
  • South Korea

Listings


Company Analysis and Financial Data Status

All financial data provided by Standard & Poor's Capital IQ.
DataLast Updated (UTC time)
Company Analysis2022/05/18 00:00
End of Day Share Price2022/05/18 00:00
Earnings2021/12/31
Annual Earnings2021/12/31


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 here.