Handelsavisen
prelaunch
Companies ›139130.KS
13
139130.KS — KRX Unclassified

iM Financial Group Co Ltd

$17 360,00
Open in Charts → Attach watcher ⌖
— —
KRW
Set alert
Last 30 days
1D5D1M3M6MYTD1Y5YMax
Live price chart loads from the market-data widget.
Mcap
2,77T KRW
P/E
—
EV / Rev
—
Div yield
3,83 %
Op margin
—
ROE
7,1 %
Net margin
26,8 %
Debt / equity
3,39
Beta
—
52w range
—
Volume
—
Day range
—
Prev close
—
Open
—
Next earnings
—
Ex-dividend
—
TR 1Y
—
About

iM Financial Group Co Ltd is a financial institution operating in the Korean banking sector, generating revenue through interest income and financial services.

Business. iM Financial Group Co Ltd is a financial institution operating in the Korean banking sector, generating revenue through interest income and financial services.

Classification20 %
SectorUnclassified
Generated · model-assisted
Sell-side consensus
BUY20 analysts
15 buy4 hold1 sell
Avg 12m price target22 283,33

Analyst recommendations

20 analysts · consensus Buy
Buy15
Hold4
Sell1
12-month price target
22 283,33
Consensus of sell-side coverage.
Upcoming events
— missing data
See all catalysts →

At a glance

Score
—
not yet scored
Valuation
—
valuation pending
Analysts→
Buy
20 analysts · indicative
Ownership
—
not yet wired
Profitability→
7,1 %
return on equity
Quality
—
not yet scored

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.

— missing data

News & coverage

0
  • No recent newsroom coverage mentioning 139130.

    • Sector rotation

    Sector1D1Mvs mkt
    Materials+2,3 %+6,6 %+1,7 %
    Communication Services+2,2 %−5,5 %+1,6 %
    Energy+0,6 %+3,3 %+0,0 %
    Health Care+0,6 %−0,8 %+0,0 %
    Information Technology+0,6 %+6,7 %+0,0 %
    Consumer Discretionary+0,4 %+7,6 %−0,2 %
    Financials−0,3 %−2,8 %−0,9 %
    Consumer Staples−0,4 %+2,5 %−1,0 %
    Real Estate−0,7 %+10,9 %−1,3 %
    Industrials−1,9 %−3,1 %−2,5 %
    Utilities−1,9 %+28,2 %−2,5 %

    Developing storylines

    No tracked sagas currently linked to 139130.KS. Browse all sagas →

    Analysis

    AI analysis
    Generated · analysis pipeline · tier hybrid · as of 2026-08-04 ↑ At a glance

    Opportunity

    — missing data

    Upcoming catalysts

    Scheduled public events. Informational only — not investment advice.

    • 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

    — missing data

    Signals & dispatch

    peak dispatch · —

    Composite-score breakdown

    Synthesis

    Business

    iM Financial Group Co Ltd is a financial institution operating in the Korean banking sector, generating revenue through interest income and financial services.

    Classification20 %
    SectorUnclassified
    AI synthesis
    GENERATED

    iM Financial Group Co Ltd maintains a capital structure characterized by high leverage, with a debt-to-equity ratio of 3.39. The company holds total assets of 98.86 trillion KRW against total liabilities of 92.64 trillion KRW, resulting in total equity of 6.22 trillion KRW. Long-term debt stands at 21.07 trillion KRW. Liquidity is assessed as medium risk, with a key flag noting that net cash is negative after subtracting total debt. Operating cash flow is negative at -1.48 trillion KRW, while free cash flow is positive at 428.09 billion KRW, supported by low capital expenditure of -70.36 billion KRW.

    Profitability metrics indicate modest returns, with a return on equity (ROE) of 7.14% and a return on assets (ROA) of 0.45%. The company generated net income of 443.90 billion KRW on revenue of 1.66 trillion KRW. Without cohort median data for direct comparison, these returns are evaluated against the general banking industry context where ROE typically ranges higher, suggesting potential for improvement or specific asset-light characteristics. The price-to-book ratio of 0.47 suggests the market values the company below its book value, potentially reflecting concerns over asset quality or growth prospects.

    Key takeaways
    • High leverage with a debt-to-equity ratio of 3.39 and negative net cash position.
    • Modest profitability with ROE of 7.14% and ROA of 0.45%.
    • Valuation discount reflected in P/B of 0.47 and P/E of 6.58.
    • Low dilution risk with no difference between basic and diluted shares.
    • Negative operating cash flow of -1.48 trillion KRW contrasts with positive free cash flow.
    • Medium liquidity risk flagged due to debt structure.

    Bull / Bear case

    Generated · model-assisted
    — missing data

    In focus — financials by report

    Valuation

    Market price
    $17 360,00
    Market cap
    $2.92T
    Enterprise valueⓘ
    $23.99T
    P/Eⓘ
    —
    Non-GAAP P/Eⓘ
    —
    EV / Revenueⓘ
    —
    EV / Op incomeⓘ
    —
    EV / OCFⓘ
    —
    P / Bⓘ
    0.5x
    P / Tangible bookⓘ
    0.5x
    Tangible book
    $6.22T
    Net cashⓘ
    -$21.07T
    Current ratioⓘ
    —
    Debt / equityⓘ
    3.4
    ROAⓘ
    0.4%
    ROEⓘ
    7.1%
    Cash conversionⓘ
    -333.0%
    CapEx / revenueⓘ
    -4.2%
    SBC / revenueⓘ
    —
    Dilution ratioⓘ
    0.0%

    Revenue by segment

    Corporate & Institutional Banking—
    low · llm_fanout_v2
    Corporate & Investment Banking—
    low · llm_fanout_v2
    Investment Servicing—
    low · llm_fanout_v2

    Market share

    — missing data

    Business relationships

    — missing data

    Supply chain

    — missing data

    Peer comparison

    — missing data

    Market position

    Stress test

    — missing data

    Predictor forecast

    Next quarternear-term
    Earnings · next quarterconf 45 %
    EPS
    Consensus EPS
    3 106,46
    Predicted surprise
    -0,00
    Beat probability
    45 %
    Analysts
    20
    Other metrics
    Revenue
    —
    no estimate
    Segment revenue
    —
    no estimate
    Margin
    —
    no estimate
    Segment margin
    —
    no estimate
    as of 2026-05-20 · Earnings Surprise V1
    Period note: consensus is not fiscal-period-aligned at source — read as consensus vs the last reported actual, not a calibrated same-quarter surprise.
    Full fiscal year~1 year ahead
    Full fiscal year · our forecast vs guidance vs consensus
    MetricOur forecastGuidanceConsensus
    EPS—no estimate—no estimate3 096,47
    Revenue—no estimate—no estimate2,18T KRW
    Operating income—no estimate—no estimate697,4B KRW
    Full-year consensus mean (period as reported by source) · consensus in KRW. Company-level full-year forecast and management guidance are not yet modelled at scale — shown as "no estimate", never inferred.
    Probabilistic model output — not investment advice. · generated 2026-08-04

    Options

    — missing data

    Short squeeze

    — missing data

    Earnings-call key lines

    — missing data

    Consensus distribution

    sell-side coverage
    Recommendation distribution21 analysts
    Strong buy5
    Buy11
    Hold4
    Sell1
    Strong sell0
    12-month price target$22 530,77 · Median $24 000,00
    Low $15 300,00High $26 000,00
    Operating income · consensus697,4B KRW
    EPS surprise
    −18,9 %
    reported vs consensus · miss
    Revenue surprise
    +4,8 %
    reported vs consensus · beat

    Estimate revisions

    consensus EPS · 26-week trend
    — missing data

    Sell-side observations

    Low$14 000,00
    Mean$22 283,33
    Median$24 000,00
    High$26 000,00
    Spot$17 360,00
    +28.4 %implied to mean12-month sell-side price targets · ▲ spot

    Themes

    — missing data

    ESG

    — missing data

    Risk factors

    Dilution riskLow
    Liquidity riskMedium
    Filing-based flags
    • Net cash is negative after subtracting total debt.

    Benchmarks vs cohort

    Net Margin26,8 %Best in class
    ROE7,1 %Below median
    Capex / Rev-4,2 %Below median
    D/E3,39Bottom quartile
    Cash Conv-3,33Bottom quartile

    Corporate actions / M&A

    — missing data

    FX exposure

    — missing data

    Comparable transactions

    — missing data

    Derivatives & instruments

    — missing data

    Actions

    Ask Handelsavisen

    — missing data
    Data sources
    • Market data
    • Market data cache
    • Issuer disclosures
    • Public news
    • Earnings transcripts
    • Consensus estimates
    • ESG data
    • Reference data
    How metrics are computed
    • Price To Earnings
      market_price / (net_income / shares_outstanding_diluted)
    • Net Cash
      cash_and_equivalents + short_term_investments - short_term_debt - long_term_debt
    • Enterprise Value
      market_cap - net_cash
    • Return On Assets
      net_income / total_assets
    • Market Price
      input from market-data provider (delayed close or quote-shim mid)
    • Market Cap
      market_price * shares_outstanding_diluted
    Source documents
    • iM Financial Group Co Ltd Market data — financials · 2026-07-07

    Ownership & reference

    Insider activity

    — missing data

    Short positioning

    — missing data

    Geographic breakdown

    — missing data
    Listings · one canonical issuer all listings resolve to the canonical
    139130.KSCanonical
    KRX · KRW

    Intel & risk

    PredictorBeat prob45 %Surprise-0,00Full forecast →
    peak dispatch · —
    OSINT findings
    Dilution riskLow
    Liquidity riskMedium
    Net cash is negative after subtracting total debt.

    Evidence & claims

    From filings & derived data
    — missing data

    The Thread

    Everything we know, in order
    2026-06-30 03:38 UTCEARNINGSUpcomingForecast: earnings_forecast (90d)
    2026-06-20 12:34 UTCANALYSTAnalyst coverage initiated
    2026-06-20 12:34 UTCANALYSTAnalyst coverage initiated
    2026-06-20 12:34 UTCANALYSTAnalyst coverage initiated
    The entity's full life in the product — typed, chronological, joined across Newspaper, Platform and Data. Our memory, made visible.
    Sources filings · IR · transcripts · market data · tier hybrid · as of 2026-08-04 Market data · Issuer disclosures · Public news · Earnings transcripts · Consensus estimates · ESG data · Reference data Premium coverage