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iM Financial Group Co. Ltd. (139130.KS)

KRW18,170.00 -50.00 (-0.27%)
KR KSC Financial Services Banks
Address 111 Oksanro 42156
Daegu, KR
CEO Byung-Woo Hwang
IPO 2011-06-07
ISIN KR7139130009

Explore sections of this company profile

Description

iM Financial Group Co., Ltd., through its subsidiaries, engages in the provision of various banking products and services in South Korea. The company offers deposit products; loans; financial products, including fund and bancassurance; and foreign exchange, asset management, and internet banking services. It also provides investment trading and brokerage, discretionary investment, investment advisory, and trust services; and insurance contract loans, etc., as well as sells insurance products, including coverage, endowment, pension, and variable. In addition, the company is involved in the collective investment services; issuing and managing prepaid electronic payment and payment gateway solutions; and facility and automobile rental, installment and automobile finance, corporate and personal loan, and technology business finance services. Further, it engages in the development, operation, maintenance, and integration of information systems; sale, rental, and maintenance of information equipment and software; IT consulting; IT related education; e-commerce; and internet related businesses. Additionally, the company provides claim collection, credit investigation, lease inspection, and civil affairs agency services; venture investment and support; and fintech, digital asset management, software development, and education solutions; and merger and acquisition, and investment services. The company was formerly known as DGB Financial Group Co., Ltd. and changed its name to iM Financial Group Co., Ltd. in March 2025. iM Financial Group Co., Ltd. was founded in 1967 and is based in Daegu, South Korea.

Market Cap & Enterprise Value
Merger & Acquisition History

No mergers or acquisitions recorded for this company.

Technical Outlook
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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
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Price Chart
Averages
Trend
Price
Levels
Draw
KRW18,170.00 -50.00 (-0.27%)
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Volume Profile
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Liquidity & share structure
Average Volume
710.4K
Beta
0.54
Float Shares
136.33M
Free Float %
85.4%
Price Performance
1D5D1M3M6M YTD1Y3Y5Y10YMax
-2.42% -8.50% -9.21% -5.71% +21.26% +13.26% +55.24% +147.36% +83.30% +90.34% +2.60%
Rolling Volatility
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Drawdown
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Relative Strength
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Monthly Returns Heatmap
From To
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Annual Monthly Returns
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Daily Returns Distribution
vs.
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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
18,170.00
Ratings Trend (MoM) 79% Bullish
Rating 2026-05 Change
Strong Buy 6 0
Buy 5 0
Hold 2 -1
Sell 0 0
Strong Sell 1 0
Quality scores
Altman Z-Score
0.09
Distress
Piotroski F-Score
7 / 9
Strong
MOAT Score
3 / 10
No MOAT
Composite Rating
B-
Overall Score
2 / 5
Medium
DCF Score
1 / 5
Low
ROE Score
3 / 5
Medium
ROA Score
2 / 5
Medium
D/E Score
1 / 5
Low
P/E Score
3 / 5
Medium
P/Book Score
4 / 5
High
Operational MOAT
✗ Below peers
  • Revenue growth Banks: +13.8%
    -87.9% Q1'26: -82.5% (vs Q1'25)
  • EPS growth Banks: +25.1%
    +151.8% Q1'26: +9.4% (vs Q1'25)
  • FCF margin FCF growth · Banks: +75.8%
    +185.9% Q1'26: +1,121.4% (vs Q1'25)
  • EBIT margin Banks: +27.6%
    +100.0% Q1'26: +100.0% (vs Q1'25)
  • ROIC Banks: +1.1%
    +1.9% Q1'26: +2.4% (vs Q1'25)
  • Share dilution Banks: +0.1%
    -2.6% Q1'26: -3.8% (vs Q1'25)
  • Debt / EBITDA Net debt/EBITDA · Banks: 1.37×
    37.72× Q1'26: 29.23× (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 (0.63) × ERP
WACC = 11% × Ke + 89% × Kd (4.1%) × (1−t)

Modifying these values recalculates WACC automatically.

Business assumptions
Current price: 18,170.00
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
11 Rev. Ana.
14 EPS Ana.
Dec 2027
11 Rev. Ana.
14 EPS Ana.
Dec 2028
4 Rev. Ana.
7 EPS Ana.
Revenue
1.72T
est: 1.22T (+41.5%)
1.89T
est: 1.23T (+53.6%)
1.75T
est: 1.27T (+37.8%)
2.11T
est: 1.34T (+57.1%)
2.47T
est: 1.57T (+57.4%)
2.62T
est: 1.78T (+46.9%)
2.80T
est: 2.00T (+39.9%)
3.46T
est: 2.05T (+68.7%)
4.77T
est: 2.17T (+120.3%)
4.80T
est: 2.14T (+124.9%)
581.52B
est: 2.08T (-72.0%)
2.17T
2.10T – 2.21T
+4.5% YoY
2.27T
2.16T – 2.33T
+4.4% YoY
2.37T
2.28T – 2.42T
+4.6% YoY
EBITDA
413.21B
est: 238.70B (+73.1%)
447.68B
est: 241.98B (+85.0%)
469.53B
est: 249.86B (+87.9%)
554.65B
est: 262.89B (+111.0%)
523.76B
est: 307.95B (+70.1%)
623.96B
est: 349.25B (+78.7%)
856.60B
est: 391.96B (+118.5%)
737.86B
est: 402.71B (+83.2%)
672.13B
est: 425.11B (+58.1%)
394.26B
est: 744.17B (-47.0%)
581.52B
est: 724.68B (-19.8%)
757.18B
730.79B – 770.16B
+4.5% YoY
790.65B
753.72B – 811.45B
+4.4% YoY
826.80B
792.98B – 844.85B
+4.6% YoY
EBIT
343.41B
est: 194.54B (+76.5%)
387.78B
est: 197.21B (+96.6%)
410.30B
est: 203.63B (+101.5%)
484.85B
est: 214.25B (+126.3%)
411.98B
est: 250.97B (+64.2%)
512.22B
est: 284.64B (+80.0%)
736.75B
est: 319.44B (+130.6%)
609.19B
est: 328.20B (+85.6%)
532.36B
est: 346.46B (+53.7%)
252.78B
est: 684.91B (-63.1%)
581.52B
est: 666.97B (-12.8%)
696.88B
672.59B – 708.83B
+4.5% YoY
727.69B
693.69B – 746.83B
+4.4% YoY
760.96B
729.83B – 777.57B
+4.6% YoY
Net Income
308.32B
est: 311.81B (-1.1%)
287.68B
est: 283.17B (+1.6%)
302.21B
est: 305.63B (-1.1%)
381.11B
est: 356.26B (+7.0%)
307.32B
est: 322.86B (-4.8%)
342.22B
est: 322.62B (+6.1%)
503.07B
est: 471.90B (+6.6%)
410.52B
est: 432.87B (-5.2%)
387.84B
est: 447.67B (-13.4%)
214.88B
est: 278.45B (-22.8%)
457.49B
est: 452.28B (+1.2%)
496.95B
428.81B – 549.58B
+9.9% YoY
542.02B
471.24B – 633.98B
+9.1% YoY
600.57B
568.63B – 617.61B
+10.8% YoY
SGA
71.64B
est: 30.58B (+134.2%)
53.93B
est: 31.00B (+73.9%)
55.66B
est: 32.01B (+73.9%)
80.39B
est: 33.68B (+138.7%)
91.99B
est: 39.46B (+133.1%)
85.88B
est: 44.75B (+91.9%)
85.96B
est: 50.22B (+71.2%)
84.40B
est: 51.60B (+63.6%)
88.14B
est: 54.47B (+61.8%)
92.53B
est: 39.65B (+133.4%)
est: 38.61B (-100.0%)
40.35B
38.94B – 41.04B
+4.5% YoY
42.13B
40.16B – 43.24B
+4.4% YoY
44.06B
42.25B – 45.02B
+4.6% YoY
EPS
1,759.00
est: 1,873.96 (-6.1%)
1,702.00
est: 1,701.81 (+0.0%)
1,787.00
est: 1,836.80 (-2.7%)
2,267.48
est: 2,141.08 (+5.9%)
1,781.68
est: 1,940.33 (-8.2%)
1,966.03
est: 1,938.90 (+1.4%)
2,886.37
est: 2,836.08 (+1.8%)
2,318.70
est: 2,601.48 (-10.9%)
2,180.00
est: 2,690.42 (-19.0%)
1,121.00
est: 1,718.26 (-34.8%)
2,823.03
est: 2,790.92 (+1.2%)
3,066.55
2,646.10 – 3,391.33
+9.9% YoY
3,344.67
2,907.91 – 3,912.13
+9.1% YoY
3,705.96
3,508.87 – 3,811.12
+10.8% YoY
Historical Ratings (3M)
Date Rating Overall DCF ROE ROA D/E P/E P/B
2026-05-29 B- 2/5 1/5 3/5 2/5 1/5 3/5 4/5
2026-05-28 B- 2/5 1/5 3/5 2/5 1/5 3/5 4/5
2026-05-27 B- 3/5 1/5 3/5 2/5 1/5 4/5 4/5
2026-05-26 B- 3/5 1/5 3/5 2/5 1/5 4/5 4/5
2026-05-22 B- 2/5 1/5 3/5 2/5 1/5 3/5 4/5
2026-05-21 B- 3/5 1/5 3/5 2/5 1/5 4/5 4/5
2026-05-20 B- 3/5 1/5 3/5 2/5 1/5 4/5 4/5
2026-05-19 B 3/5 1/5 3/5 3/5 1/5 4/5 4/5
2026-05-18 B 3/5 1/5 3/5 3/5 1/5 4/5 4/5
2026-05-15 C- 1/5 1/5 1/5 1/5 1/5 4/5 1/5
2026-05-14 C- 1/5 1/5 1/5 1/5 1/5 4/5 1/5
2026-05-13 C- 1/5 1/5 1/5 1/5 1/5 4/5 1/5
2026-05-12 C- 1/5 1/5 1/5 1/5 1/5 4/5 1/5
2026-05-11 C- 1/5 1/5 1/5 1/5 1/5 4/5 1/5
2026-05-08 C- 1/5 1/5 1/5 1/5 1/5 4/5 1/5
2026-05-07 C- 1/5 1/5 1/5 1/5 1/5 4/5 1/5
2026-05-06 C- 1/5 1/5 1/5 1/5 1/5 4/5 1/5
2026-05-04 C- 1/5 1/5 1/5 1/5 1/5 4/5 1/5
2026-04-30 C- 1/5 1/5 1/5 1/5 1/5 4/5 1/5
2026-04-29 C- 1/5 1/5 1/5 1/5 1/5 4/5 1/5
2026-04-28 B 3/5 1/5 3/5 3/5 1/5 4/5 4/5
2026-04-27 B 3/5 1/5 3/5 3/5 1/5 4/5 4/5
2026-04-24 B 3/5 1/5 3/5 3/5 1/5 4/5 4/5
2026-04-23 B 3/5 1/5 3/5 4/5 1/5 4/5 4/5
2026-04-22 B 3/5 1/5 3/5 4/5 1/5 4/5 4/5
2026-04-21 B 3/5 1/5 3/5 4/5 1/5 4/5 4/5
2026-04-20 B 3/5 1/5 3/5 4/5 1/5 4/5 4/5
2026-04-17 B 3/5 1/5 3/5 4/5 1/5 4/5 4/5
2026-04-16 B 3/5 1/5 3/5 4/5 1/5 4/5 4/5
2026-04-15 B 3/5 1/5 3/5 4/5 1/5 4/5 4/5

Owner Earnings

Owner's Earnings (history) From To
Owner alignment
Owner's Earnings TTM
2.77T
OE per share TTM
16,810.68
Owner's Yield
96.96%
Maintenance CapEx ratio
157.90%
Maint CapEx / Avg PPE
26.2%

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
4.07B
Shares Outstanding
159.55M

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
Byuong-Woo Hwang Chief Executive Officer male
Eun-Mi Gu Executive Vice President & Group Compliance Officer female
Hyun-Jin Shin Executive Vice President & Chief Risk Officer male
Jae-Young Lee Chief Executive Officer of DGB Capital male
Jeong-hun Kang Junior Executive Vice President, MD of Future Planning, Chief of Management Support & Director
Jong-Ho Choi Executive Vice President & Group Chief Audit Executive male
Ki-Sik Min Chief Executive Officer of DGB Life male
Su-Hwan Shin Chief Financial Officer
Sung-In Lee Executive Vice President and Director of Digital Innovation & IMBANK Headquarters male
Yoon-Kook Kim Managing Director male
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

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Dividend yield history

Dividend history

Earnings history

Earnings reports

Stock splits