038540.Kq
The company operates as a bank, generating revenue primarily through interest income from loans and fees from financial services.
Business. The company operates as a bank, generating revenue primarily through interest income from loans and fees from financial services.
At a glance
What drives this business
The watch-list the newsroom runs for this company — derived from its sector path, sharpened layer by layer. Not investment advice.
News & coverage
0Sector rotation
Developing storylines
Analysis
AI analysisOpportunity
Upcoming catalysts
Scheduled public events. Informational only — not investment advice.
- Peers
- DividendDividend USD 1.75/sh2026-09-25 · Bank of America (BAC)
- EarningsQ3 2026 earnings (expected)2026-10-13 · estimated · JPMorgan Chase (JPM)
- EarningsQ3 2026 earnings (expected)2026-10-13 · estimated · Citigroup (C)
- Macro
- Rate decisionBank of England rate decision (press conf.)2026-08-06 · GB
- Rate decisionReserve Bank of Australia rate decision (press conf.)2026-08-12 · AU
- Rate decisionNorges Bank rate decision (press conf.)2026-08-20 · NO
- Rate decisionSveriges Riksbank rate decision (press conf.)2026-09-03 · SE
- Rate decisionBank of Canada rate decision (press conf.)2026-09-09 · CA
- Rate decisionEuropean Central Bank rate decision (press conf.)2026-09-10 · EU
- Macro & political
- ElectionSE Swedish Election2026-09-14 · SE
- ElectionUS U.S. Midterms2026-11-03 · US
- ElectionFR French Legislative2027-06-01 · FR
Pre-earnings brief
Signals & dispatch
Composite-score breakdown
Synthesis
The company operates as a bank, generating revenue primarily through interest income from loans and fees from financial services.
The company's capital structure is characterized by a debt-to-equity ratio of 1.41, indicating a moderate reliance on debt financing. Despite a negative net income of -120.56 billion KRW, the company maintains a liquidity position with cash and equivalents of 132.57 billion KRW. However, the free cash flow is negative at -25.91 billion KRW, suggesting that the company is not generating sufficient cash from operations to cover capital expenditures.
Profitability metrics show a return on equity of -31.5% and a return on assets of -2.67%, both significantly below the industry median for banks. These figures indicate that the company is not generating returns that meet the cost of equity or assets, which is a concern for investors.
The company's revenue is not segmented by product or geographic region in the available data, making it difficult to assess the concentration of risk or growth potential in specific areas. However, the negative operating income of -48.64 billion KRW suggests that the company is facing challenges in maintaining profitability across its operations.
Looking at the growth trajectory, the company's recent financial performance shows a decline in profitability, with a net loss of 120.56 billion KRW. The outlook for the current fiscal year is uncertain, and there is no indication of a significant improvement in the next fiscal year. The company's operating cash flow of 357.42 billion KRW provides some buffer, but the negative free cash flow indicates that the company may need to seek additional financing to fund its operations.
The risk assessment highlights a medium liquidity risk, primarily due to the negative net cash position after subtracting total debt. The dilution risk is low, suggesting that the company is not expected to issue additional shares in the near term. However, the negative net income and operating income raise concerns about the company's ability to sustain operations without external financing.
Recent events, as disclosed in the financial data, include a significant net loss and a negative operating income. These events may impact the company's credit rating and investor confidence. The company's financial health is further complicated by a negative return on equity and assets, which could lead to increased scrutiny from regulators and stakeholders.
- The company is experiencing a significant net loss and negative operating income, indicating financial distress.
- The debt-to-equity ratio of 1.41 suggests a moderate reliance on debt financing, which could increase financial risk.
- The company's liquidity position is medium, with a negative net cash position after subtracting total debt.
- The return on equity and assets are both negative, indicating poor profitability and asset utilization.
- The company's free cash flow is negative, suggesting a need for additional financing to fund operations.
- The outlook for the company's financial performance is uncertain, with no significant improvement expected in the next fiscal year.
Bull / Bear case
analysis pipelineIn focus — financials by report
Valuation
Revenue by segment
Business relationships
Supply chain
Peer comparison
Market position
Stress test
Predictor forecast
Options
Short squeeze
Earnings-call key lines
Estimate revisions
consensus EPS · 26-week trendSell-side observations
Themes
ESG
Risk factors
- Net cash is negative after subtracting total debt.
Benchmarks vs cohort
Corporate actions / M&A
FX exposure
Comparable transactions
Derivatives & instruments
Actions
Ask Handelsavisen
- Market data
- Market data cache
- Issuer disclosures
- Public news
- Earnings transcripts
- Consensus estimates
- ESG data
- Dilution Ratio(shares_outstanding_diluted - shares_outstanding_basic) / shares_outstanding_basic
- Net Cashcash_and_equivalents + short_term_investments - short_term_debt - long_term_debt
- Capex To Revenuecapital_expenditure / revenue
- Return On Equitynet_income / total_equity
- Debt To Equity(short_term_debt + long_term_debt) / total_equity
- Cash Conversion Ratiooperating_cash_flow / net_income
- 038540.KQ Market data — financials · 2026-05-26
- Sangsangin Co Ltd Market data — analyst estimates · 2026-05-26