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Industrial Bank Of Korea (024110) AI Stock Analysis
Industrial Bank Of Korea
(Korea Exchange:024110)
The score is supported by very strong valuation (low P/E and high dividend yield) and solid underlying profitability, but it is held back by weak and volatile cash flow (including negative TTM free cash flow), high balance-sheet leverage, and clearly bearish technical momentum (below key moving averages with negative MACD and oversold RSI/Stoch).
Industrial Bank Of Korea (024110) vs. SPDR S&P 500 ETF (SPY)
- Market Cap
- KRW 15.45T
- Dividend Yield
- 6.49%
- Average Volume (3M)
- 874.18K
- Price to Earnings (P/E)
- 5.8
- Beta (1Y)
- 0.21
- Revenue Growth
- 27.79%
- EPS Growth
- -0.49%
- Country
- KR
- Employees
- 14,037
- Sector
- General
- Sector Strength
- 55
- Industry
- Banks - Regional
Industrial Bank Of Korea Business Overview & Revenue Model
Company Description
Industrial Bank of Korea operates as a small and medium-sized enterprise (SME) financing bank in Korea and internationally. It provides personal and corporate banking, such as check, transfer, deposit/trust, fund, insurance, credit card, loan, forex,...
Industrial Bank Of Korea Financial Statement Overview
Summary
Profitability is strong with healthy margins and consistently solid net income, but the balance sheet is highly levered (debt-to-equity ~6.9x–7.5x) and cash flow is the main weakness due to large swings and currently negative TTM free cash flow, indicating weak recent cash conversion.
Income Statement
72PositiveBalance Sheet
60NeutralCash Flow
38Negative| Breakdown | TTM | Dec 2025 | Dec 2024 | Dec 2023 | Dec 2022 | Dec 2021 |
|---|---|---|---|---|---|---|
Income Statement | ||||||
| Total Revenue | 11.27T | 3.66T | 20.56T | 20.36T | 14.18T | 10.48T |
| Gross Profit | 5.89T | 3.66T | 9.50T | 9.92T | 9.02T | 7.92T |
| EBITDA | 3.86T | 4.07T | 3.88T | 3.79T | 3.88T | 3.58T |
| Net Income | 2.64T | 2.72T | 2.64T | 2.67T | 2.67T | 2.41T |
Balance Sheet | ||||||
| Total Assets | 526.87T | 500.72T | 472.22T | 448.43T | 431.98T | 398.07T |
| Cash, Cash Equivalents and Short-Term Investments | 3.79T | 14.24T | 18.35T | 28.33T | 26.29T | 19.85T |
| Total Debt | 273.15T | 253.77T | 242.41T | 227.50T | 217.46T | 187.91T |
| Total Liabilities | 488.93T | 463.84T | 437.99T | 416.61T | 402.87T | 370.54T |
| Stockholders Equity | 37.53T | 36.48T | 33.95T | 31.66T | 28.95T | 27.39T |
Cash Flow | ||||||
| Free Cash Flow | -81.99B | 3.59T | 5.04T | -2.43T | -14.92T | -288.84B |
| Operating Cash Flow | 84.33B | 3.78T | 5.37T | -2.32T | -14.85T | -234.75B |
| Investing Cash Flow | -31.21T | -23.07T | -33.63T | -635.78B | -6.55T | -10.64T |
| Financing Cash Flow | 27.43T | 24.74T | 17.23T | 6.40T | 28.71T | 17.12T |
Industrial Bank Of Korea Technical Analysis
Price Trends
Market Momentum
Evaluating momentum and price trends is crucial in stock analysis to make informed investment decisions. For KR:024110, the sentiment is Negative. The current price of 19380.00 is below the 20-day moving average (MA) of 19710.50, below the 50-day MA of 20177.20, and below the 200-day MA of 21011.64, indicating a bearish trend. The MACD of -311.87 indicates Positive momentum. The RSI at 42.91 is Neutral, neither overbought nor oversold. The STOCH value of 26.15 is Neutral, not indicating any strong overbought or oversold conditions. Overall, these indicators collectively point to a Negative sentiment for KR:024110.
Industrial Bank Of Korea Peers Comparison
Overall Rating
KR:31614066Neutral
KR:05555065Neutral
KR:10556062Neutral
KR:32341060Neutral- KR:02411059Neutral
KR:13893058Neutral
Financial Indicators
| Name | Overall Rating | Market Cap | P/E Ratio | ROE | Dividend Yield | Revenue Growth | EPS Growth |
|---|---|---|---|---|---|---|---|
| KR:316140 | 66Neutral | KRW 22.69T | 7.52 | ― | 4.55% | 37.27% | -6.05% |
| KR:055550 | 65Neutral | KRW 41.03T | 7.69 | ― | 3.27% | 32.01% | 19.24% |
| KR:105560 | 62Neutral | KRW 52.46T | 8.55 | ― | 5.33% | 31.63% | 17.83% |
| KR:323410 | 60Neutral | KRW 9.49T | 17.44 | ― | 2.31% | 2.68% | 15.30% |
| KR:024110 | 59Neutral | KRW 15.45T | 5.84 | ― | 6.49% | 27.79% | -0.49% |
| KR:138930 | 58Neutral | KRW 4.01T | 6.18 | ― | 6.01% | 10.30% | -13.12% |
| Sector * | 55Neutral | $6.65B | 3.83 | -15.92% | 6.20% | 10.91% | 7.18% |
* General Sector Average
Performance Comparison
| Show on chart | Ticker | Company Name | Price | Change | % Change |
|---|---|---|---|---|---|
| KR:024110 | Industrial Bank Of Korea | 19380.00 | 1310.24 | 7.25% | |
| KR:055550 | Shinhan Financial Group Co., Ltd. | 89600.00 | 17215.15 | 23.78% | |
| KR:105560 | KB Financial Group Inc. | 155500.00 | 41050.78 | 35.87% | |
| KR:138930 | BNK Financial Group, Inc. | 13230.00 | -340.25 | -2.51% | |
| KR:316140 | Woori Financial Group, Inc. | 30800.00 | 6311.24 | 25.77% | |
| KR:323410 | KakaoBank Corp. | 19920.00 | -2554.61 | -11.37% |
Disclaimer
This AI Analyst Stock Report is automatically generated by our AI systems using advanced algorithms and publicly available financial, technical, and market data. While the information provided aims to be accurate and insightful, it is intended for informational purposes only and should not be considered financial advice. Any content created by an AI (Artificial Intelligence) system may contain inaccuracies and/or contain errors. Investing in stocks carries inherent risks, and past performance is not indicative of future results. This report does not account for your personal financial circumstances, objectives, or risk tolerance. Always conduct your own research or consult with a qualified financial advisor before making investment decisions. The analysis and recommendations provided are based on historical and current data and may not fully reflect future market conditions or unexpected developments. Neither the creators of this report nor its affiliated entities guarantee the accuracy, completeness, or reliability of the information presented. Use this report at your own discretion and risk.
Date of analysis: Oct 28, 2026