JB Financial

KSC:175330 · KR7175330000

BanksSmall

360

Medium confidence — indicative

Value72

Profit price79

Cash yield93

Sales & asset price65

Price/Sales48

EV / Gross Profit67

Price/Book81

Quality52

Returns on capital53

Profit margins—

Cash backing37

Cash Conversion30

Accruals41

Owner Earnings Margin39

Growth59

Sales growth61

Profit growth56

Profit Growth74

Long-Term EPS Growth49

Owner Earnings Growth46

Reinvestment21

Price momentum73

Safety—

Debt load6

Debt serviceability5

Liquidity25

Sentiment74

Analyst ratings42

Expectations trend70

Opinion Changes50

Price Target Upside89

Market mood89

Value Creation10/20creating some value

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

JB Financial clears its cost of capital, but the record is mixed across the five tests. Real value creation, just not yet consistent.

Based on 3/5 components.

Profile

CountrySouth Korea

IndustryBanks

SizeSmall

TypePublic Company

ExchangeKOSE

Founded2013

Employees28

Websitejbfg.com

ISINKR7175330000

Last UpdateApr 2, 2026

Indices

KOSPI (South Korea)

Themes

Consumer LendingDigital BrokerageMicro LendingFintechBankingFinancial Services

Description

JB Financial Group Co., Ltd. a financial holding company that provides banking products and services. Loans The company’s loans are designed to meet the diverse financing needs of individuals, businesses, and institutions. Personal Loans: The comp…

Analysis

Bargain bin

JB Financial Group Co., Ltd. falls in the bargain bin: the price is low relative to peers, but the business metrics give reason to pause.

The price is attractive. You pay 6.0× its owner earnings: the cash an owner could take out each year, which is in the historically attractive zone. At today's price, the market is assuming roughly -11% yearly growth; analysts expect 11%. The price, in other words, assumes less than the experts do.

The trajectory is moderate and the balance sheet is uncertain. The company scores 10/20 on our value-creation score: creating some value. Analysts lean positive.

What to watch: Some accounting patterns deserve a closer look. As always: this describes the company's numbers; it is not a recommendation.

360° rank · history

1007550250

2026

All-time high

Jun 2026

All-time low

Mar 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 →