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A049

Koryo Credit Information KOSDAQ:A049720 Stock Report

Last Price

₩10.70k

Market Cap

₩148.9b

7D

23.0%

1Y

8.9%

Updated

23 Jun, 2022

Data

Company Financials
A049720 fundamental analysis
Snowflake Score
Valuation3/6
Future Growth0/6
Past Performance3/6
Financial Health5/6
Dividends3/6

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

Summary of all time highs, changes and price drops for Koryo Credit Information
Historical stock prices
Current Share Price₩10,700.00
52 Week High₩12,350.00
52 Week Low₩7,220.00
Beta0.45
1 Month Change24.13%
3 Month Change23.27%
1 Year Change8.85%
3 Year Change105.77%
5 Year Change253.14%
Change since IPO698.51%

Recent News & Updates

Shareholder Returns

A049720KR Commercial ServicesKR Market
7D23.0%-4.8%-5.0%
1Y8.9%-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

Is A049720's price volatile compared to industry and market?
A049720 volatility
A049720 Average Weekly Movement4.9%
Commercial Services Industry Average Movement4.8%
Market Average Movement5.8%
10% most volatile stocks in KR Market10.6%
10% least volatile stocks in KR Market3.5%

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

FoundedEmployeesCEOWebsite
1991n/aJong-Jin Parkhttps://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

How do Koryo Credit Information's earnings and revenue compare to its market cap?
A049720 fundamental statistics
Market Cap₩148.85b
Earnings (TTM)₩9.61b
Revenue (TTM)₩145.45b

15.5x

P/E Ratio

1.0x

P/S Ratio

Earnings & Revenue

Key profitability statistics from the latest earnings report
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 Margin99.92%
Net Profit Margin6.61%
Debt/Equity Ratio47.9%

How did A049720 perform over the long term?

See historical performance and comparison

Dividends

2.8%

Current Dividend Yield

43%

Payout Ratio

Does A049720 pay a reliable dividends?

See A049720 dividend history and benchmarks
When do you need to buy A049720 by to receive an upcoming dividend?
Koryo Credit Information dividend dates
Ex Dividend DateJun 29 2022
Dividend Pay DateAug 23 2022
Days until Ex dividend5 days
Days until Dividend pay date60 days

Does A049720 pay a reliable dividends?

See A049720 dividend history and benchmarks
We’ve recently updated our valuation analysis.

Valuation

Is A049720 undervalued compared to its fair value, analyst forecasts and its price relative to the market?

Valuation Score

3/6

Valuation 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.

A049720 key valuation metrics and ratios. From Price to Earnings, Price to Sales and Price to Book to Price to Earnings Growth Ratio, Enterprise Value and EBITDA.
Key Statistics
Enterprise Value/Revenue1.1x
Enterprise Value/EBITDA8.7x
PEG Ration/a

Price to Earnings Ratio vs Peers

How does A049720's PE Ratio compare to its peers?

A049720 PE Ratio vs Peers
The above table shows the PE ratio for A049720 vs its peers. Here we also display the market cap and forecasted growth for additional consideration.
CompanyPEEstimated GrowthMarket Cap
Peer Average24.4x

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.

A049720 PE Ratio vs Fair Ratio.
Fair Ratio
Current PE Ratio15.5x
Fair PE Ration/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

0/6

Future 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.


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  • 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

3/6

Past 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.


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Financial Health

How is Koryo Credit Information's financial position?

Financial Health Score

5/6

Financial 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

2/6

Dividend Score 2/6

  • Notable Dividend

  • High Dividend

  • Stable Dividend

  • Growing Dividend

  • Earnings Coverage

  • Future Dividend Coverage


2.80%

Current Dividend Yield

Upcoming Dividend Payment

TodayJun 23 2022Ex Dividend DateJun 29 2022Dividend Pay DateAug 23 202255 days from Ex DividendBuy in the next 5 days to receive the upcoming dividend

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.


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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

All financial data provided by Standard & Poor's Capital IQ.
DataLast Updated (UTC time)
Company Analysis2022/06/23 00:00
End of Day Share Price2022/06/23 00:00
Earnings2022/03/31
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.