| Snowflake Score | |
|---|---|
| Valuation | 3/6 |
| Future Growth | 0/6 |
| Past Performance | 3/6 |
| Financial Health | 5/6 |
| Dividends | 3/6 |
A049720 Stock Overview
Koryo Credit Information Co., Ltd. engages in the debt collection/credit investigation/civil complaint agency business in South Korea.
Koryo Credit Information Competitors
Price History & Performance
| Historical stock prices | |
|---|---|
| Current Share Price | ₩10,700.00 |
| 52 Week High | ₩12,350.00 |
| 52 Week Low | ₩7,220.00 |
| Beta | 0.45 |
| 1 Month Change | 24.13% |
| 3 Month Change | 23.27% |
| 1 Year Change | 8.85% |
| 3 Year Change | 105.77% |
| 5 Year Change | 253.14% |
| Change since IPO | 698.51% |
Recent News & Updates
Shareholder Returns
| A049720 | KR Commercial Services | KR Market | |
|---|---|---|---|
| 7D | 23.0% | -4.8% | -5.0% |
| 1Y | 8.9% | -27.9% | -27.8% |
Return vs Industry: A049720 exceeded the KR Commercial Services industry which returned -27.9% over the past year.
Return vs Market: A049720 exceeded the KR Market which returned -27.8% over the past year.
Price Volatility
| A049720 volatility | |
|---|---|
| A049720 Average Weekly Movement | 4.9% |
| Commercial Services Industry Average Movement | 4.8% |
| Market Average Movement | 5.8% |
| 10% most volatile stocks in KR Market | 10.6% |
| 10% least volatile stocks in KR Market | 3.5% |
Stable Share Price: A049720 is not significantly more volatile than the rest of KR stocks over the past 3 months, typically moving +/- 5% a week.
Volatility Over Time: A049720's weekly volatility (5%) has been stable over the past year.
About the Company
| Founded | Employees | CEO | Website |
|---|---|---|---|
| 1991 | n/a | Jong-Jin Park | https://www.koryoinfo.co.kr |
Koryo Credit Information Co., Ltd. engages in the debt collection/credit investigation/civil complaint agency business in South Korea. It offers debt collection services, including identifying the location of the debtor or debtor to perform debt collection tasks; asset investigation on the debtor or debtor; call for debt settlement, such as visiting the debtor; and reimbursement receipt agency services. The company also provides call centre operation agency, CS monitoring, and quality management services; bond information, initial delay notice, and storage management services; and investigation of repayment ability for defaulters, credit check of new and existing counterparties, preliminary investigation for preservation of bonds, and proof of bad debt amortization for non-recoverable bonds.
Koryo Credit Information Fundamentals Summary
| A049720 fundamental statistics | |
|---|---|
| Market Cap | ₩148.85b |
| Earnings (TTM) | ₩9.61b |
| Revenue (TTM) | ₩145.45b |
15.5x
P/E Ratio1.0x
P/S RatioIs A049720 overvalued?
See Fair Value and valuation analysisEarnings & Revenue
| A049720 income statement (TTM) | |
|---|---|
| Revenue | ₩145.45b |
| Cost of Revenue | ₩112.35m |
| Gross Profit | ₩145.34b |
| Other Expenses | ₩135.73b |
| Earnings | ₩9.61b |
Last Reported Earnings
Mar 31, 2022
Next Earnings Date
n/a
| Earnings per share (EPS) | 690.99 |
| Gross Margin | 99.92% |
| Net Profit Margin | 6.61% |
| Debt/Equity Ratio | 47.9% |
How did A049720 perform over the long term?
See historical performance and comparisonDividends
2.8%
Current Dividend Yield43%
Payout RatioDoes A049720 pay a reliable dividends?
See A049720 dividend history and benchmarks| Koryo Credit Information dividend dates | |
|---|---|
| Ex Dividend Date | Jun 29 2022 |
| Dividend Pay Date | Aug 23 2022 |
| Days until Ex dividend | 5 days |
| Days until Dividend pay date | 60 days |
Does A049720 pay a reliable dividends?
See A049720 dividend history and benchmarksValuation
Is A049720 undervalued compared to its fair value, analyst forecasts and its price relative to the market?
Valuation Score
3/6Valuation Score 3/6
Price-To-Earnings vs Peers
Price-To-Earnings vs Industry
Price-To-Earnings vs Fair Ratio
Below Fair Value
Significantly Below Fair Value
PEG Ratio
Key Valuation Metric
Which metric is best to use when looking at relative valuation for A049720?
Other financial metrics that can be useful for relative valuation.
| What is A049720's n/a Ratio? | |
|---|---|
| n/a Ratio | 0x |
| n/a | n/a |
| Market Cap | ₩148.85b |
| Key Statistics | |
|---|---|
| Enterprise Value/Revenue | 1.1x |
| Enterprise Value/EBITDA | 8.7x |
| PEG Ratio | n/a |
Price to Earnings Ratio vs Peers
How does A049720's PE Ratio compare to its peers?
| A049720 PE Ratio vs Peers |
|---|
| Company | PE | Estimated Growth | Market Cap |
|---|---|---|---|
| Peer Average | 24.4x |
Price-To-Earnings vs Peers: A049720 is good value based on its Price-To-Earnings Ratio (15.5x) compared to the peer average (24.4x).
Price to Earnings Ratio vs Industry
How does A049720's PE Ratio compare vs other companies in the Commercial Services Industry?
Price-To-Earnings vs Industry: A049720 is expensive based on its Price-To-Earnings Ratio (15.5x) compared to the KR Commercial Services industry average (14.9x)
Price to Earnings Ratio vs Fair Ratio
What is A049720's PE Ratio compared to its Fair PE Ratio? This is the expected PE Ratio taking into account the company's forecast earnings growth, profit margins and other risk factors.
| Fair Ratio | |
|---|---|
| Current PE Ratio | 15.5x |
| Fair PE Ratio | n/a |
Price-To-Earnings vs Fair Ratio: Insufficient data to calculate A049720's Price-To-Earnings Fair Ratio for valuation analysis.
Share Price vs Fair Value
What is the Fair Price of A049720 when looking at its future cash flows? For this estimate we use a Discounted Cash Flow model.
Below Fair Value: A049720 (₩10700) is trading below our estimate of fair value (₩35506.84)
Significantly Below Fair Value: A049720 is trading below fair value by more than 20%.
Price to Earnings Growth Ratio
PEG Ratio: Insufficient data to calculate A049720's PEG Ratio to determine if it is good value.
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Future Growth
How is Koryo Credit Information forecast to perform in the next 1 to 3 years based on estimates from 0 analysts?
Future Growth Score
0/6Future Growth Score 0/6
Earnings vs Savings Rate
Earnings vs Market
High Growth Earnings
Revenue vs Market
High Growth Revenue
Future ROE
13.2%
Forecasted Commercial Services industry annual growth in earnings
In this section we usually present revenue and earnings growth projections based on the consensus estimates of professional analysts to help investors understand the company’s ability to generate profit. But as Koryo Credit Information has not provided enough past data and has no analyst forecast, its future earnings cannot be reliably calculated by extrapolating past data or using analyst predictions.
This is quite a rare situation as 97% of companies covered by SimplyWall St do have past financial data.
Discover growth companies
- Examine whether Koryo Credit Information is trading at an attractive price based on how much it is expected to earn in the future, and relative to its industry peers and the wider market.
Past Performance
How has Koryo Credit Information performed over the past 5 years?
Past Performance Score
3/6Past Performance Score 3/6
Quality Earnings
Growing Profit Margin
Earnings Trend
Accelerating Growth
Earnings vs Industry
High ROE
22.3%
Historical annual earnings growth
Earnings and Revenue History
Quality Earnings: A049720 has high quality earnings.
Growing Profit Margin: A049720's current net profit margins (6.6%) are lower than last year (8.1%).
Past Earnings Growth Analysis
Earnings Trend: A049720's earnings have grown significantly by 22.3% per year over the past 5 years.
Accelerating Growth: A049720's has had negative earnings growth over the past year, so it can't be compared to its 5-year average.
Earnings vs Industry: A049720 had negative earnings growth (-13.2%) over the past year, making it difficult to compare to the Commercial Services industry average (-9.4%).
Return on Equity
High ROE: A049720's Return on Equity (29%) is considered high.
Discover strong past performing companies
Financial Health
How is Koryo Credit Information's financial position?
Financial Health Score
5/6Financial Health Score 5/6
Short Term Liabilities
Long Term Liabilities
Debt Level
Reducing Debt
Debt Coverage
Interest Coverage
Financial Position Analysis
Short Term Liabilities: A049720's short term assets (₩40.1B) exceed its short term liabilities (₩38.2B).
Long Term Liabilities: A049720's short term assets (₩40.1B) exceed its long term liabilities (₩12.0B).
Debt to Equity History and Analysis
Debt Level: A049720's net debt to equity ratio (13.6%) is considered satisfactory.
Reducing Debt: Insufficient data to determine if A049720's debt to equity ratio has reduced over the past 5 years.
Debt Coverage: A049720's debt is well covered by operating cash flow (70.5%).
Interest Coverage: A049720's interest payments on its debt are well covered by EBIT (18.6x coverage).
Balance Sheet
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Dividend
What is Koryo Credit Information current dividend yield, its reliability and sustainability?
Dividend Score
2/6Dividend Score 2/6
Notable Dividend
High Dividend
Stable Dividend
Growing Dividend
Earnings Coverage
Future Dividend Coverage
2.80%
Current Dividend Yield
Upcoming Dividend Payment
Dividend Yield vs Market
Notable Dividend: A049720's dividend (2.8%) is higher than the bottom 25% of dividend payers in the KR market (1.02%).
High Dividend: A049720's dividend (2.8%) is low compared to the top 25% of dividend payers in the KR market (3.24%).
Stability and Growth of Payments
Stable Dividend: Too early to tell whether A049720's dividend payments have been stable as they only just started paying a dividend.
Growing Dividend: Too early to tell if A049720's dividend payments are increasing as they only just started paying a dividend.
Earnings Payout to Shareholders
Earnings Coverage: With its reasonably low payout ratio (43.4%), A049720's dividend payments are well covered by earnings.
Cash Payout to Shareholders
Cash Flow Coverage: With its reasonably low cash payout ratio (44.6%), A049720's dividend payments are well covered by cash flows.
Discover strong dividend paying companies
Management
How experienced are the management team and are they aligned to shareholders interests?
CEO
Jong-Jin Park (66 yo)
no data
Tenure
Mr. Park Jong-Jin serves as Chief Executive Officer and President of Koryo Credit Information Co., Ltd. Mr. Jong-Jin Worked at Korea Exchange Bank and Kookmin Bank. He is graduated at Kyungpook National Un...
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
Koryo Credit Information Co., Ltd.'s employee growth, exchange listings and data sources
Key Information
- Name: Koryo Credit Information Co., Ltd.
- Ticker: A049720
- Exchange: KOSDAQ
- Founded: 1991
- Industry: Diversified Support Services
- Sector: Commercial Services
- Implied Market Cap: ₩148.854b
- Shares outstanding: 13.91m
- Website: https://www.koryoinfo.co.kr
Location
- Koryo Credit Information Co., Ltd.
- Union Tower
- 353, Seocho-daero
- Seoul
- 137-882
- South Korea
Listings
Company Analysis and Financial Data Status
| Data | Last Updated (UTC time) |
|---|---|
| Company Analysis | 2022/06/23 00:00 |
| End of Day Share Price | 2022/06/23 00:00 |
| Earnings | 2022/03/31 |
| Annual Earnings | 2021/12/31 |
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.