Subscribe

BNK Financial Group Inc. (138930.KS)

KRW18,020.00 -140.00 (-0.77%)
KR KSC Financial Services Banks - Regional
Address 30, Munhyeongeumyeong-ro
Busan, KR
CEO Dae-In Bin
Website bnkfg.com
IPO 2011-03-30
ISIN KR7138930003

Explore sections of this company profile

Description

Operating through its various subsidiaries, BNK Financial Group Inc. delivers a comprehensive array of financial products and services to clients both within South Korea and internationally. The company's diverse offerings span personal, automotive, leasing, installment, corporate, and investment financing. Furthermore, it engages in investment brokerage and trading, venture asset management, provides investment advisory and collective investment solutions, and is involved in system software development and supply. BNK Financial Group also offers specialized credit and digital finance, securities, and asset management services. Additionally, it handles debt collection, conducts credit investigations, operates as a collection agency, and manages a savings bank. The entity was initially known as BS Financial Group Inc. before rebranding as BNK Financial Group Inc. in April 2015. Established in 1967, BNK Financial Group Inc. is headquartered in Busan, South Korea.

Market Cap & Enterprise Value
Merger & Acquisition History

No mergers or acquisitions recorded for this company.

Technical Outlook
Loading outlook…
Loading forecast...
Signal Summary Loading…
Indicator 1D1W2W3W1M
Each column is computed on that timeframe's candles (1D = daily, 1W ≈ weekly, 1M ≈ monthly), not on the same last day. ▲ bullish · ▼ bearish · — neutral. The Net row counts signals per column; hover any cell (or the indicator name) to see the exact rule behind it.
Day Score & sub-scores
Statistical fingerprint & regime detail
Conditional historical analysis
Customize analysis (advanced)
Indicative levels generated algorithmically. Not financial advice.
Risk Profile
Loading risk profile…
Price Chart
Averages
Trend
Price
Levels
Draw
KRW18,020.00 -140.00 (-0.77%)
Loading historical data…
Volume Profile
Loading…
Liquidity & share structure
Average Volume
1M
Beta
0.45
Float Shares
246.12M
Free Float %
78.9%
Price Performance
1D5D1M3M6M YTD1Y3Y5Y10YMax
-3.31% -4.43% +2.90% +3.49% +27.72% +15.13% +73.30% +173.15% +139.23% +102.57% +25.64%
Rolling Volatility
Loading…
Drawdown
Loading…
Relative Strength
Loading…
Monthly Returns Heatmap
From To
Loading…
Annual Monthly Returns
Loading…
Daily Returns Distribution
vs.
Loading histogram data…

Revenue flow

Revenue by geography

Revenue by segment

From To

Revenue composition

From To

By product

By geography

Financial Statements

Income Statement

Balance Sheet

Cash Flow Statement

Key Metrics

Financial Ratios

Employees

Financial Growth (CAGR)

Market Data

Price Targets & DCF
Current price
18,020.00
Ratings Trend (MoM) 71% Bullish
Rating 2026-05 Change
Strong Buy 4 0
Buy 6 -1
Hold 2 0
Sell 1 -1
Strong Sell 1 0
Quality scores
Altman Z-Score
0.05
Distress
Piotroski F-Score
5 / 9
Average
Composite Rating
B+
Overall Score
3 / 5
Medium
DCF Score
4 / 5
High
ROE Score
3 / 5
Medium
ROA Score
3 / 5
Medium
D/E Score
1 / 5
Low
P/E Score
4 / 5
High
P/Book Score
4 / 5
High
Operational MOAT
  • ✗
    Revenue growth
    -86.0% Q1'26: -85.0% (vs Q1'25)
  • ✓
    EPS growth
    +19.2% Q1'26: +36.8% (vs Q1'25)
  • —
    FCF margin
    — Q1'26: -619.5% (vs Q1'25)
  • —
    EBIT margin
    — Q1'26: +100.0% (vs Q1'25)
  • —
    ROIC
    — Q1'26: +2.6% (vs Q1'25)
  • ✗
    Share dilution
    +0.8% Q1'26: -0.1% (vs Q1'25)
  • —
    Debt / EBITDA
    — Q1'26: 25.10× (vs Q1'25)
Valuation Multiples From To
Price Forecast (3Y) From To
Model
Adjust
P/E
Theoretical Return — If Invested Today

* These projections are based on analyst consensus estimates and user-defined valuation multiples. This table is for informational purposes only and does not constitute a recommendation to buy or sell any security. Past performance is not indicative of future results.

DCF Interactive Model (UFCF)
Projection years:
Market assumptions
▶ WACC components (optional)
Ke (Cost of Equity) = Rf + β (0.61) × ERP
WACC = 17% × Ke + 83% × Kd (4.0%) × (1−t)

Modifying these values recalculates WACC automatically.

Business assumptions
—
Current price: 18,020.00
Enterprise Value: — Equity Value: — Terminal Value: — TV as % of EV: —

Base values reflect the latest available data for this company and market conditions.

Consensus Estimates
Metric Dec 2015
actual 		Dec 2016
actual 		Dec 2017
actual 		Dec 2018
actual 		Dec 2019
actual 		Dec 2020
actual 		Dec 2021
actual 		Dec 2022
actual 		Dec 2023
actual 		Dec 2024
actual 		Dec 2025
actual 		Dec 2026
10 Rev. Ana.
14 EPS Ana. 		Dec 2027
11 Rev. Ana.
13 EPS Ana. 		Dec 2028
4 Rev. Ana.
9 EPS Ana.
Revenue
3.29T
est: 2.23T (+47.9%)
3.56T
est: 2.27T (+57.0%)
3.05T
est: 2.37T (+28.6%)
3.54T
est: 2.53T (+40.1%)
4.23T
est: 2.55T (+66.2%)
4.05T
est: 2.57T (+57.4%)
4.43T
est: 3.10T (+43.0%)
5.47T
est: 3.18T (+72.2%)
7.47T
est: 3.16T (+136.3%)
7.83T
est: 3.35T (+134.1%)
1.09T
est: 3.35T (-67.3%)
3.58T
3.42T – 3.69T
+6.8% YoY
3.73T
3.55T – 3.88T
+4.2% YoY
3.85T
3.68T – 3.99T
+3.4% YoY
EBITDA
834.69B
est: 468.38B (+78.2%)
827.75B
est: 477.54B (+73.3%)
695.03B
est: 498.67B (+39.4%)
856.93B
est: 532.23B (+61.0%)
963.53B
est: 535.77B (+79.8%)
895.75B
est: 541.86B (+65.3%)
1.30T
est: 652.43B (+98.8%)
1.31T
est: 668.48B (+96.4%)
1.08T
est: 665.74B (+62.4%)
1.21T
est: 1.23T (-1.6%)
1.09T
est: 1.23T (-10.8%)
1.31T
1.25T – 1.35T
+6.8% YoY
1.36T
1.30T – 1.42T
+4.2% YoY
1.41T
1.35T – 1.46T
+3.4% YoY
EBIT
700.06B
est: 393.56B (+77.9%)
688.40B
est: 401.26B (+71.6%)
557.75B
est: 419.00B (+33.1%)
718.64B
est: 447.21B (+60.7%)
793.37B
est: 450.19B (+76.2%)
734.42B
est: 455.30B (+61.3%)
1.12T
est: 548.21B (+104.9%)
1.13T
est: 561.69B (+100.3%)
875.56B
est: 559.39B (+56.5%)
991.79B
est: 1.14T (-13.0%)
1.09T
est: 1.14T (-4.1%)
1.22T
1.17T – 1.26T
+6.8% YoY
1.27T
1.21T – 1.32T
+4.2% YoY
1.31T
1.25T – 1.36T
+3.4% YoY
Net Income
530.47B
est: 624.34B (-15.0%)
501.61B
est: 497.82B (+0.8%)
403.10B
est: 521.60B (-22.7%)
502.09B
est: 546.46B (-8.1%)
562.22B
est: 559.78B (+0.4%)
519.32B
est: 485.95B (+6.9%)
791.01B
est: 778.21B (+1.6%)
784.98B
est: 805.59B (-2.6%)
639.78B
est: 717.08B (-10.8%)
728.55B
est: 803.38B (-9.3%)
836.16B
est: 849.74B (-1.6%)
894.21B
769.97B – 1.05T
+5.2% YoY
1.01T
851.59B – 1.27T
+12.8% YoY
1.12T
1.05T – 1.17T
+10.7% YoY
SGA
53.50B
est: 10.33B (+418.1%)
17.11B
est: 10.53B (+62.5%)
15.92B
est: 11.00B (+44.7%)
20.42B
est: 11.74B (+74.0%)
23.29B
est: 11.81B (+97.1%)
20.16B
est: 11.95B (+68.7%)
24.19B
est: 14.39B (+68.2%)
29.64B
est: 14.74B (+101.1%)
28.49B
est: 14.68B (+94.1%)
27.71B
est: 12.20B (+127.2%)
—
est: 12.22B (-100.0%)
13.04B
12.49B – 13.45B
+6.8% YoY
13.59B
12.94B – 14.16B
+4.2% YoY
14.05B
13.42B – 14.56B
+3.4% YoY
EPS
1,947.00
est: 1,950.23 (-0.2%)
1,522.00
est: 1,555.02 (-2.1%)
1,200.00
est: 1,629.32 (-26.3%)
1,475.00
est: 1,706.98 (-13.6%)
1,646.81
est: 1,748.57 (-5.8%)
1,498.14
est: 1,517.96 (-1.3%)
2,341.37
est: 2,430.88 (-3.7%)
2,326.51
est: 2,516.39 (-7.5%)
1,905.00
est: 2,239.93 (-15.0%)
2,174.00
est: 2,490.43 (-12.7%)
2,592.04
est: 2,634.13 (-1.6%)
2,771.98
2,386.87 – 3,239.96
+5.2% YoY
3,126.52
2,639.87 – 3,921.84
+12.8% YoY
3,462.52
3,260.32 – 3,627.97
+10.7% YoY
Historical Ratings (3M)
Date Rating Overall DCF ROE ROA D/E P/E P/B
2026-04-30 B+ 3/5 4/5 3/5 3/5 1/5 4/5 4/5
2026-04-29 B+ 3/5 4/5 3/5 3/5 1/5 4/5 4/5
2026-04-28 B+ 3/5 4/5 3/5 3/5 1/5 4/5 4/5
2026-04-27 B+ 3/5 4/5 3/5 3/5 1/5 4/5 4/5
2026-04-24 B+ 3/5 4/5 3/5 3/5 1/5 4/5 4/5
2026-04-23 A- 4/5 4/5 3/5 4/5 1/5 4/5 4/5
2026-04-22 A- 4/5 4/5 3/5 4/5 1/5 4/5 4/5
2026-04-21 A- 4/5 4/5 3/5 4/5 1/5 4/5 4/5
2026-04-20 A- 4/5 4/5 3/5 4/5 1/5 4/5 4/5
2026-04-17 A- 4/5 4/5 3/5 4/5 1/5 4/5 4/5
2026-04-16 A- 4/5 4/5 3/5 4/5 1/5 4/5 4/5
2026-04-15 A- 4/5 4/5 3/5 4/5 1/5 4/5 4/5

Owner Earnings

Owner's Earnings (history) From To
Owner alignment
Owner's Earnings TTM
-2.88T
OE per share TTM
-8,223.72
Owner's Yield
-48.35%
Maintenance CapEx ratio
2,164.34%
Maint CapEx / Avg PPE
55.5%

Ownership Overview

Ownership breakdown

Ownership breakdown not available.

At a glance
Institutional holders
—
Total invested
—
Insider transactions (90d)
0
Beneficial owners (>5%)
0
Beneficial owners (>5%)

No beneficial ownership filings recorded.

Institutional Activity (13F)

Institutional ownership trend

Institutional history not available.

Top institutional holders

Top holders not available.

Insider Activity

Insider Activity — Latest Quarter

No insider activity available.

Insider buys vs sells (history)

Insider history not available.

Recent insider transactions

No recent insider transactions.

Executive team

Top executives
EBIT / Employee
9.60B
Shares Outstanding
311.98M

Executive compensation

Executive compensation (annual)

Executive compensation not available.

CEO compensation breakdown

No CEO compensation history available.

Proxy statements

Proxy statements (DEF 14A)

No proxy statements available for this company yet.

Recent SEC filings

Recent SEC filings

No SEC filings available for this company yet.

Executive team

NameTitleCompensationGender
Dae-In Bin Chairman & Chief Executive Officer 881M male
Han-Chang Lee Head of Group Audit Division & Executive Director — male
Jong-Hoon Kang Head of Group Business Strategy Division & Vice President — male
Joo-Sung Kim Executive Director & Head of Group Risk Management Division — —
Kee Joong Lee Managing Director — —
Kwang-Jun Lee Managing Director — —
Myoung-Hee Choi MD & Compliance Officer — —
Sehoon Song IR Manager — male
Sung-Wook Park Head of Group AI Future Value Division & Executive Director — male
Yonggwan Kim Executive Director of Treated — —
ESG Score History

No data available for this company.

Senate Trading Activity

No Senate trading activity found for this company.

House Trading Activity

No House trading activity found for this company.

Market share among peers
Peer comparison — filtered group (TTM)
Your opinion

Share your view on this stock and instantly see how the community has voted over the last 6 months.

These are community opinions and do not constitute buy or sell advice to act on. The results shown are based on aggregated opinions and are not an investment recommendation, nor do they intend to influence any investment decision.

Dividend yield history

Dividend history

Earnings history

Earnings reports

Stock splits

Related companies

Largest companies in Banks - Regional