OSEBX1,423.56+0.84%
EQNR284.60+4.20%
DNB198.35-1.15%
MOWI172.80+0.45%
Brent$71.24-0.32%
EUR/USD1.0824-0.14%
DXY104.18+0.08%
INDICATIVE · SAMPLE DATA
024110$20450.0061

Industrial Bank of Korea

BanksVerified

Industrial Bank of Korea has a liquidity profile that is medium, with a debt-to-equity ratio of 6.97, indicating a significant reliance on debt financing. The company's price-to-book ratio is 0.45, suggesting that the market values the company's equity at a discount to its book value. The price-to-tangible-book ratio is also 0.45, aligning with the price-to-book ratio and indicating a similar valuation discount. The company's market price is 20,450 KRW, and its market capitalization is 16.31 trillion KRW. In terms of profitability, Industrial Bank of Korea has a return on equity (ROE) of 7.44%, which is a measure of how effectively the company uses its equity to generate profits. The return on assets (ROA) is 0.54%, indicating that the company generates a relatively low return on its total assets. The company's net income is 2.71 trillion KRW, and its revenue is 7.75 trillion KRW. The company's operating cash flow is negative at -3.02 trillion KRW, which may indicate challenges in generating sufficient cash from operations. Industrial Bank of Korea's revenue is concentrated in its core banking operations, with no specific segments disclosed in the provided data. The company's geographic exposure is primarily within South Korea, as it is a domestic bank with no significant international operations mentioned in the data. The company's growth trajectory is expected to be moderate, with no specific numeric deltas provided for the current or next fiscal year. The company's revenue history shows a stable performance, with a revenue of 7.75 trillion KRW in the latest period. The company's capital expenditure is -206.59 billion KRW, indicating a reduction in capital spending. Industrial Bank of Korea faces a medium level of risk, with a liquidity risk that is medium and a dilution risk that is low. The company has a key flag indicating that net cash is negative after subtracting total debt, which may affect its liquidity position. The company's dilution potential is low, and no significant adjustments have been applied to its valuations. Recent events for Industrial Bank of Korea include analyst estimates that suggest a mean price target of 23,250 KRW and a median price target of 22,750 KRW. The mean recommendation from analysts is 2.70, indicating a generally positive outlook, with 2 strong-buy, 5 buy, and 10 hold recommendations. No specific recent filings or transcripts are mentioned in the provided data.

30-day price · 024110(missing data)
No daily-bar history available from current data sources. Alternate source pending.
Profile
CompanyIndustrial Bank of Korea
Ticker024110.KS
SectorFinancials
BusinessBanking & Investment Services
Industry groupBanking & Investment Services
IndustryBanks
AI analysis

Business. Industrial Bank of Korea provides banking and investment services, generating revenue primarily through net interest income and fee-based services.

Classification. Industrial Bank of Korea is classified under the Financials economic sector, Banking & Investment Services business sector, and Banks industry with a confidence level of 0.92.

Industrial Bank of Korea has a liquidity profile that is medium, with a debt-to-equity ratio of 6.97, indicating a significant reliance on debt financing. The company's price-to-book ratio is 0.45, suggesting that the market values the company's equity at a discount to its book value. The price-to-tangible-book ratio is also 0.45, aligning with the price-to-book ratio and indicating a similar valuation discount. The company's market price is 20,450 KRW, and its market capitalization is 16.31 trillion KRW. In terms of profitability, Industrial Bank of Korea has a return on equity (ROE) of 7.44%, which is a measure of how effectively the company uses its equity to generate profits. The return on assets (ROA) is 0.54%, indicating that the company generates a relatively low return on its total assets. The company's net income is 2.71 trillion KRW, and its revenue is 7.75 trillion KRW. The company's operating cash flow is negative at -3.02 trillion KRW, which may indicate challenges in generating sufficient cash from operations. Industrial Bank of Korea's revenue is concentrated in its core banking operations, with no specific segments disclosed in the provided data. The company's geographic exposure is primarily within South Korea, as it is a domestic bank with no significant international operations mentioned in the data. The company's growth trajectory is expected to be moderate, with no specific numeric deltas provided for the current or next fiscal year. The company's revenue history shows a stable performance, with a revenue of 7.75 trillion KRW in the latest period. The company's capital expenditure is -206.59 billion KRW, indicating a reduction in capital spending. Industrial Bank of Korea faces a medium level of risk, with a liquidity risk that is medium and a dilution risk that is low. The company has a key flag indicating that net cash is negative after subtracting total debt, which may affect its liquidity position. The company's dilution potential is low, and no significant adjustments have been applied to its valuations. Recent events for Industrial Bank of Korea include analyst estimates that suggest a mean price target of 23,250 KRW and a median price target of 22,750 KRW. The mean recommendation from analysts is 2.70, indicating a generally positive outlook, with 2 strong-buy, 5 buy, and 10 hold recommendations. No specific recent filings or transcripts are mentioned in the provided data.
Key takeaways
  • Industrial Bank of Korea has a medium liquidity profile with a high debt-to-equity ratio.
  • The company's ROE is 7.44%, indicating a relatively strong return on equity.
  • The company's revenue is concentrated in its core banking operations with no significant international exposure.
  • Analysts have a generally positive outlook, with a mean price target of 23,250 KRW and a mean recommendation of 2.70.
  • The company faces a medium level of risk, with a key flag indicating negative net cash after subtracting total debt.
  • --
  • # RATIONALES
  • ```json
Financial snapshot
PeriodHA-latest
CurrencyKRW
Revenue$7.75T
Gross profit
Operating income
Net income$2.71T
R&D
SG&A
D&A
SBC
Operating cash flow-$3.02T
CapEx-$206.59B
Free cash flow$1.90T
Total assets$500.69T
Total liabilities$464.24T
Total equity$36.45T
Cash & equivalents
Long-term debt$253.93T
Annual history (last 5)
PeriodRevenueOp IncomeNet IncomeFCF
FY0$7.75T$2.71T$1.90T
FY-1$7.89T$2.64T$1.89T
FY-2$7.93T$2.67T$1.94T
FY-3$7.44T$2.67T$1.96T
FY-4$6.13T$2.41T$1.98T
PeriodGross %Op %Net %FCF %
FY0
FY-1
FY-2
FY-3
FY-4
PeriodAssetsEquityCashDebt
FY0$500.69T$36.45T
FY-1$472.22T$33.95T
FY-2$448.43T$31.66T
FY-3$431.19T$29.09T
FY-4$398.07T$27.39T
PeriodOCFCapExFCFSBC
FY0-$3.02T-$206.59B$1.90T
FY-1-$19.72T-$130.32B$1.89T
FY-2-$2.32T-$109.99B$1.94T
FY-3-$14.85T-$63.91B$1.96T
FY-4-$5.95T-$54.09B$1.98T
Quarterly history (last 4)
PeriodRevenueOp IncomeNet IncomeFCF
FQ0$1.99T$748.69B$760.36B
FQ-1$1.99T$462.46B$468.93B
FQ-2$1.95T$746.57B$747.08B
FQ-3$1.88T$693.48B-$151.89B
FQ-4$1.92T$808.59B$833.56B
FQ-5$1.98T$454.18B$474.14B
FQ-6$1.96T$801.41B$787.48B
FQ-7$1.98T$608.15B$614.79B
PeriodGross %Op %Net %FCF %
FQ0
FQ-1
FQ-2
FQ-3
FQ-4
FQ-5
FQ-6
FQ-7
PeriodAssetsEquityCashDebt
FQ0$511.25T$36.80T
FQ-1$500.69T$36.45T
FQ-2$490.11T$35.44T
FQ-3$489.48T$34.88T
FQ-4$483.40T$34.02T
FQ-5$472.22T$33.95T
FQ-6$458.37T$33.46T
FQ-7$461.91T$32.45T
PeriodOCFCapExFCFSBC
FQ0-$10.69T-$39.34B$760.36B
FQ-1-$3.02T-$206.59B$468.93B
FQ-2-$5.02T-$146.53B$747.08B
FQ-3$180.70B-$79.92B-$151.89B
FQ-4$1.46T-$30.41B$833.56B
FQ-5-$19.72T-$130.32B$474.14B
FQ-6-$17.69T-$97.28B$787.48B
FQ-7-$9.95T-$45.74B$614.79B
Valuation
Market price$20450.00
Market cap$16.31T
Enterprise value$270.24T
P/E6.0
Reported non-GAAP P/E
EV/Revenue34.9
EV/Op income
EV/OCF
P/B0.5
P/Tangible book0.5
Tangible book$36.45T
Net cash-$253.93T
Current ratio
Debt/Equity7.0
ROA0.5%
ROE7.4%
Cash conversion-1.1%
CapEx/Revenue-2.7%
SBC/Revenue
Asset intensity
Dilution ratio0.0%
Risk assessment
Dilution riskLow
Liquidity riskMedium
  • Net cash is negative after subtracting total debt.
Industry benchmarks
Activity: Banks · cohort 7 companies
Metric024110Activity
Op margin560.2% medp25 560.2% · p75 560.2%
Net margin35.0%459.2% medp25 422.9% · p75 495.5%bottom quartile
Gross margin62.8% medp25 28.5% · p75 92.6%
CapEx / revenue-2.7%2.6% medp25 1.0% · p75 12.1%bottom quartile
Debt / equity697.0%16.8% medp25 13.7% · p75 33.1%top quartile
Observations
IR observations
Mean price target23,250.00 KRW
Median price target22,750.00 KRW
High price target27,500.00 KRW
Low price target17,000.00 KRW
Mean recommendation2.70 (1=strong buy, 5=strong sell)
Strong-buy count2.00
Buy count5.00
Hold count10.00
Sell count3.00
Strong-sell count0.00
Mean EPS estimate3,460.91 KRW
Last actual EPS3,183.00 KRW
Competitor context
JPMJPMorgan ChaseUSPeer
Derived from classification anchor Banks.
Banks, Banking & Investment Services, Financials
BACBank of AmericaUSPeer
Derived from classification anchor Banks.
Banks, Banking & Investment Services, Financials
CCitigroupUSPeer
Derived from classification anchor Banks.
Banks, Banking & Investment Services, Financials
Source: analysis-pipeline (hybrid)Generated: 2026-05-18 01:55 UTCJob: 86334184