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Hana Financial Group KOSE:A086790 Stock Report

Last Price


Market Cap







18 May, 2022


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

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
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

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

1971n/aJung-Tai Kim

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


P/E Ratio


P/B Ratio

Earnings & Revenue

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

Last Reported Earnings

Dec 31, 2021

Next Earnings Date


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



Current Dividend Yield


Payout Ratio


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

Valuation Score


Valuation Score 5/6

  • Below Fair Value

  • Significantly Below Fair Value

  • PE vs Industry

  • PE vs Market

  • PEG Ratio

  • PB vs Industry


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


Future Growth Score 1/6

  • Earnings vs Savings Rate

  • Earnings vs Market

  • High Growth Earnings

  • Revenue vs Market

  • High Growth Revenue

  • Future ROE


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


Past Performance Score 3/6

  • Quality Earnings

  • Growing Profit Margin

  • Earnings Trend

  • Accelerating Growth

  • Earnings vs Industry

  • High ROE


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


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%).


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

Dividend Score


Dividend Score 5/6

  • Notable Dividend

  • High Dividend

  • Stable Dividend

  • Growing Dividend

  • Earnings Coverage

  • Future Dividend Coverage


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


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


Average management tenure


Jung-Tai Kim (69 yo)

no data


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.


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:

Number of Employees


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


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
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.