KakaoBank (KOSE:A323410) - Share price, News & Analysis

A323410 fundamental analysis
Snowflake Score
Valuation	0/6
Future Growth	2/6
Past Performance	1/6
Financial Health	4/6
Dividends	0/6

A323410 Stock Overview

KakaoBank of Korea Corp. provides Internet based banking products and services in South Korea.

Rewards

Revenue is forecast to grow 25.17% per year

Risk Analysis

Less than 3 years of financial data is available

KakaoBank Competitors

KB Financial Group

KOSE:A105560

₩22.7t

Woori Financial Group

KOSE:A316140

₩10.7t

Industrial Bank of Korea

KOSE:A024110

₩8.2t

Samsung Electronics

KOSE:A005930

₩454.8t

Price History & Performance

Summary of all time highs, changes and price drops for KakaoBank
Historical stock prices
Current Share Price	₩40,000.00
52 Week High	₩94,400.00
52 Week Low	₩37,100.00
Beta	0
1 Month Change	-8.26%
3 Month Change	-15.07%
1 Year Change	n/a
3 Year Change	n/a
5 Year Change	n/a
Change since IPO	-42.69%

Shareholder Returns

	A323410	KR Banks	KR Market
7D	0%	-0.4%	1.6%
1Y	n/a	6.5%	-14.2%

Return vs Industry: Insufficient data to determine how A323410 performed against the KR Banks industry.

Return vs Market: Insufficient data to determine how A323410 performed against the KR Market.

Price Volatility

Is A323410's price volatile compared to industry and market?
A323410 volatility
A323410 Average Weekly Movement	4.8%
Banks Industry Average Movement	3.5%
Market Average Movement	5.5%
10% most volatile stocks in KR Market	10.4%
10% least volatile stocks in KR Market	3.2%

Stable Share Price: A323410 is not significantly more volatile than the rest of KR stocks over the past 3 months, typically moving +/- 5% a week.

Volatility Over Time: A323410's weekly volatility (5%) has been stable over the past year.

About the Company

Founded	Employees	CEO	Website
2016	n/a	Daniel Ho-Young	https://kakaobank.com

KakaoBank of Korea Corp. provides Internet based banking products and services in South Korea. Its products and services include deposit and withdrawal accounts, safe box, piggy bank, term deposits, and savings accounts; emergency, negative bank, credit, and private business loans, as well as Jeonse deposit loans; and overseas remittance, and check and credit cards. The company was founded in 2016 and is based in Seongnam-si, South Korea.

KakaoBank Fundamentals Summary

How do KakaoBank's earnings and revenue compare to its market cap?
A323410 fundamental statistics
Market Cap	₩19.05t
Earnings (TTM)	₩204.12b
Revenue (TTM)	₩808.29b

93.3x

P/E Ratio

3.5x

P/B Ratio

Is A323410 overvalued?

See Fair Value and valuation analysis

Earnings & Revenue

Key profitability statistics from the latest earnings report
A323410 income statement (TTM)
Revenue	₩808.29b
Cost of Revenue	₩0
Gross Profit	₩808.29b
Other Expenses	₩604.16b
Earnings	₩204.12b

Last Reported Earnings

Dec 31, 2021

Next Earnings Date

n/a

Earnings per share (EPS)	428.60
Gross Margin	100.00%
Net Profit Margin	25.25%
Debt/Equity Ratio	0.0%

How did A323410 perform over the long term?

See historical performance and comparison

Valuation

Is KakaoBank undervalued compared to its fair value and its price relative to the market?

Valuation Score

0/6

Valuation Score 0/6

Below Fair Value
Significantly Below Fair Value
PE vs Industry
PE vs Market
PEG Ratio
PB vs Industry

93.33x

Price to Earnings (PE) ratio

Share Price vs. Fair Value

Below Fair Value: A323410 (₩40000) is trading above our estimate of fair value (₩110.12)

Significantly Below Fair Value: A323410 is trading above our estimate of fair value.

Price To Earnings Ratio

PE vs Industry: A323410 is poor value based on its PE Ratio (93.3x) compared to the KR Banks industry average (4.1x).

PE vs Market: A323410 is poor value based on its PE Ratio (93.3x) compared to the KR market (14x).

Price to Earnings Growth Ratio

PEG Ratio: Insufficient data to calculate A323410's PEG Ratio to determine if it is good value.

Price to Book Ratio

PB vs Industry: A323410 is overvalued based on its PB Ratio (3.5x) compared to the KR Banks industry average (0.4x).

Future Growth

How is KakaoBank forecast to perform in the next 1 to 3 years based on estimates from 2 analysts?

Future Growth Score

2/6

Future Growth Score 2/6

Earnings vs Savings Rate
Earnings vs Market
High Growth Earnings
Revenue vs Market
High Growth Revenue
Future ROE

25.2%

Forecasted annual revenue growth

Earnings and Revenue Growth Forecasts

Analyst Future Growth Forecasts

Earnings vs Savings Rate: Insufficient data to determine if A323410's forecast earnings growth is above the savings rate (3.5%).

Earnings vs Market: Insufficient data to determine if A323410's earnings are forecast to grow faster than the KR market

High Growth Earnings: Insufficient data to determine if earnings are expected to grow significantly over the next 3 years.

Revenue vs Market: A323410's revenue (25.2% per year) is forecast to grow faster than the KR market (9.7% per year).

High Growth Revenue: A323410's revenue (25.2% per year) is forecast to grow faster than 20% per year.

Earnings per Share Growth Forecasts

Future Return on Equity

Future ROE: A323410's Return on Equity is forecast to be low in 3 years time (8.6%).

Past Performance

How has KakaoBank performed over the past 5 years?

Past Performance Score

1/6

Past Performance Score 1/6

Quality Earnings
Growing Profit Margin
Earnings Trend
Accelerating Growth
Earnings vs Industry
High ROE

7.3%

Historical Banks annual earnings growth

Earnings and Revenue History

Quality Earnings: A323410 has high quality earnings.

Growing Profit Margin: Insufficient data to determine if A323410's profit margins have improved over the past year.

Past Earnings Growth Analysis

Earnings Trend: Unable to establish if A323410's year-on-year earnings growth rate was positive over the past 5 years as it has been trading publicly for less than 3 years.

Accelerating Growth: Unable to compare A323410's past year earnings growth to its 5-year average as it has been trading publicly for less than 3 years.

Earnings vs Industry: Insufficient data to determine if A323410's earnings growth over the past year exceeded the Banks industry average.

Return on Equity

High ROE: A323410's Return on Equity (3.7%) is considered low.

Financial Health

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

Financial Health Score

4/6

Financial Health Score 4/6

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: A323410's Assets to Equity ratio (6.5x) is low.

Allowance for Bad Loans: Insufficient data to determine if A323410 has a sufficient allowance for bad loans.

Low Risk Liabilities: 98% of A323410's liabilities are made up of primarily low risk sources of funding.

Loan Level: A323410 has an appropriate level of Loans to Assets ratio (73%).

Low Risk Deposits: A323410's Loans to Deposits ratio (88%) is appropriate.

Level of Bad Loans: Insufficient data to determine if A323410 has an appropriate level of bad loans.

Dividend

What is KakaoBank current dividend yield, its reliability and sustainability?

Dividend Score

0/6

Dividend Score 0/6

Notable Dividend
High Dividend
Stable Dividend
Growing Dividend
Earnings Coverage
Future Dividend Coverage

Dividend Yield vs Market

Notable Dividend: Unable to evaluate A323410's dividend yield against the bottom 25% of dividend payers, as the company has not reported any recent payouts.

High Dividend: Unable to evaluate A323410's dividend yield against the top 25% of dividend payers, as the company has not reported any recent payouts.

Stability and Growth of Payments

Stable Dividend: Insufficient data to determine if A323410's dividends per share have been stable in the past.

Growing Dividend: Insufficient data to determine if A323410's dividend payments have been increasing.

Current Payout to Shareholders

Earnings Coverage: Insufficient data to calculate payout ratio to determine if its dividend payments are covered by earnings.

Future Payout to Shareholders

Future Dividend Coverage: No need to calculate the sustainability of A323410's dividend in 3 years as they are not forecast to pay a notable one for the KR market.

Discover strong dividend paying companies

Management

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

CEO

Daniel Ho-Young

no data

Tenure

Mr. Yoon Ho-Young, also known as Daniel serves as Chief Executive Officer and Director at KakaoBank of Korea Corp.

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: A323410 only recently listed within the past 12 months.

Data	Last Updated (UTC time)
Company Analysis	2022/05/23 00:00
End of Day Share Price	2022/05/23 00:00
Earnings	2021/12/31
Annual Earnings	2021/12/31