iM Financial Group

KSC:139130 · KR7139130009

BanksSmall

360

Medium confidence — indicative

Value97

Profit price100

Cash yield71

Sales & asset price91

Price/Sales87

EV / Gross Profit100

Price/Book85

Quality22

Returns on capital52

Profit margins—

Cash backing14

Cash Conversion5

Accruals22

Owner Earnings Margin14

Growth52

Sales growth84

Profit growth37

Profit Growth24

Owner Earnings Growth50

Reinvestment4

Price momentum61

Safety—

Debt load10

Debt serviceability18

Liquidity61

Sentiment90

Analyst ratings66

Expectations trend73

Opinion Changes50

Price Target Upside96

Market mood33

Value Creation20/20strong value creator

Creates more value than its capital costs
Owner earnings growing
Owner earnings per share growing
Reinvests at strong returns
Solid earnings base

What this means

iM Financial Group generates returns well above its cost of capital, the foundation of durable shareholder value.

Based on 3/5 components.

Profile

CountrySouth Korea

IndustryBanks

SizeSmall

TypePublic Company

ExchangeKOSE

Employees2

Websiteimfngroup.com

ISINKR7139130009

Last UpdateApr 2, 2026

Indices

KOSPI (South Korea)

Themes

NeobankElectronic Money Institutions (EMIs)BankingFinancial Services

Description

iM Financial Group Co., Ltd., a comprehensive financial services company that operates through distinct business segments, offering a variety of financial products and services designed to serve both individual and institutional clients. Business Se…

Analysis

Deep value

iM Financial Group Co., Ltd. looks superficially cheap, but weak underlying metrics raise the question of whether this is value or a trap.

On valuation, the picture is attractive. The owner-earnings multiple stands at 4.8×; owner earnings: the cash an owner could take out each year. The implied growth embedded in that price is around -14% a year, against analyst forecasts of 12%. The price, in other words, assumes less than the experts do.

Growth is moderate; the safety picture is uncertain. The company scores 20/20 on our value-creation score: strong value creator. Analysts lean positive.

Flags to be aware of: Reported profits have run ahead of actual cash for several periods. As always: this describes the company's numbers; it is not a recommendation.

360° rank · history

1007550250

2026

All-time high

Mar 2026

All-time low

Jun 2026

Average rank

across all years

Detailed & Historical Ranks

Deep dive into 15 detailed ranks and 3 years of history.

Current202520242023

Price/Sales

—

Price/Earnings

—

Price/Book

—

Dividend Yield

—

Value (overall)

—

Cells are coloured by rank band (red weak → green strong). Sentiment & 360° history begins 2023.

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Make Sense of the Ranks

Every rank runs 1–100 against true peers. Higher is always better.

360° View

1 · Watch OutGood· 100

Value

1 · ExpensiveGood Value· 100

Quality

1 · Weak FundamentalsHigh Quality· 100

Growth

1 · Tough TimesHigh Growth· 100

Safety

1 · High LeverageWell-Financed· 100

Sentiment

1 · SkepticismPositive· 100

Learn More →