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Meritz Financial Group Inc.
(138040)
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Rating:57Neutral
Price Target:
₩127,305
Action:N/A
Date:10/28/26
The score is driven primarily by mixed financial quality: strong revenue momentum and solid ROE, but high leverage and volatile/declining free cash flow reduce resilience. Technicals are weak (below key moving averages with negative MACD), while valuation is supportive due to a low P/E.
Positive Factors
Revenue Growth
Strong trailing revenue growth indicates continued expansion in the group’s insurance, securities, and asset-management activities. If this momentum persists, it can broaden the earnings base, support operating scale, and strengthen the company’s ability to reinvest across its financial-services businesses over the next several quarters.
Negative Factors
High Leverage
Meaningful leverage increases sensitivity to funding costs, credit conditions, and market stress. Although equity has grown, a debt-to-equity ratio above five times can restrict financial flexibility and amplify pressure on earnings and capital resources during adverse conditions.
Read all positive and negative factors
Positive Factors
Negative Factors
Revenue Growth
Strong trailing revenue growth indicates continued expansion in the group’s insurance, securities, and asset-management activities. If this momentum persists, it can broaden the earnings base, support operating scale, and strengthen the company’s ability to reinvest across its financial-services businesses over the next several quarters.
Read all positive factors
Meritz Financial Group Inc. (138040) vs. SPDR S&P 500 ETF (SPY)
Market Cap
₩19.94T
Dividend Yield1.1%
Average Volume (3M)168.49K
Price to Earnings (P/E)8.4
Beta (1Y)0.02
Revenue Growth31.19%
EPS Growth10.76%
CountryKR
Employees20
SectorGeneral
Sector StrengthN/A
IndustryInvestment - Banking & Investment Services
Share Statistics
EPS (TTM)14599.96
Shares Outstanding167,347,270
10 Day Avg. Volume213,390
30 Day Avg. Volume168,488
Financial Highlights & Ratios
PEG Ratio0.90
Price to Book (P/B)2.13
Price to Sales (P/S)0.56
P/FCF Ratio7.26
Enterprise Value/Market CapN/A
Enterprise Value/RevenueN/A
Enterprise Value/Gross ProfitN/A
Enterprise Value/EbitdaN/A
Forecast
1Y Price TargetN/A
Price Target UpsideN/A
Rating ConsensusN/A
Number of Analyst Covering0
EPS Forecast (FY)15,349.91
Revenue Forecast (FY)₩4.45T
Meritz Financial Group Inc. Business Overview & Revenue Model
Company Description
Established in 2007 and headquartered in Seoul, South Korea, Meritz Financial Group Inc. operates through its subsidiaries to deliver an extensive array of financial solutions across the nation. The company's core offerings include diverse insuran...
Meritz Financial Group Inc. Financial Statement Overview
Summary
Income Statement
74
Positive
Balance Sheet
55
Neutral
Cash Flow
48
Neutral
| Breakdown | TTM | Dec 2025 | Dec 2024 | Dec 2023 | Dec 2022 | Dec 2021 |
|---|---|---|---|---|---|---|
Income Statement | ||||||
| Total Revenue | 34.44T | 35.26T | 6.21T | 5.95T | 5.13T | 4.70T |
| Gross Profit | 31.89T | 35.26T | 4.24T | 4.10T | 4.15T | 4.23T |
| EBITDA | 3.41T | 3.25T | 3.23T | 2.93T | 3.00T | 2.05T |
| Net Income | 2.45T | 2.35T | 2.31T | 2.04T | 1.39T | 789.22B |
Balance Sheet | ||||||
| Total Assets | 10.00T> | 10.00T> | 10.00T> | 10.00T> | 92.76T | 82.03T |
| Cash, Cash Equivalents and Short-Term Investments | 2.64T | 2.67T | 5.00T | 13.23T | 6.51T | 5.76T |
| Total Debt | 53.71T | 52.69T | 40.56T | 33.60T | 17.61T | 18.67T |
| Total Liabilities | 10.00T> | 10.00T> | 10.00T> | 92.14T | 86.80T | 18.67T |
| Stockholders Equity | 10.14T | 9.32T | 10.09T | 8.99T | 3.27T | 3.72T |
Cash Flow | ||||||
| Free Cash Flow | 2.80T | 2.73T | -4.00T | -1.32T | 6.85T | -1.96T |
| Operating Cash Flow | 2.84T | 2.75T | -3.92T | -1.27T | 6.93T | -1.92T |
| Investing Cash Flow | -8.78T | -6.71T | -2.74T | -2.70T | -5.32T | -3.83T |
| Financing Cash Flow | 13.42T | 13.92T | 7.01T | 2.31T | -106.77B | 6.28T |
Meritz Financial Group Inc. Technical Analysis
Neutral
―
Price Trends
126412.00
Negative
120038.00
Positive
117011.50
Positive
Market Momentum
-458.86
Positive
41.33
Neutral
17.96
Positive
Evaluating momentum and price trends is crucial in stock analysis to make informed investment decisions. For KR:138040, the sentiment is Neutral. The current price of undefined is equal to the 20-day moving average (MA) of 128870.00, equal to the 50-day MA of 126412.00, and equal to the 200-day MA of 117011.50, indicating a neutral trend. The MACD of -458.86 indicates Positive momentum. The RSI at 41.33 is Neutral, neither overbought nor oversold. The STOCH value of 17.96 is Positive, not indicating any strong overbought or oversold conditions. Overall, these indicators collectively point to a Neutral sentiment for KR:138040.
Meritz Financial Group Inc. Peers Comparison
UnderperformOutperform
Sector (55)
Name | Overall Rating | Market Cap | P/E Ratio | ROE | Dividend Yield | Revenue Growth | EPS Growth |
|---|---|---|---|---|---|---|---|
74 Outperform | ₩9.87T | 7.10 | ― | 4.22% | -14.37% | 2.51% | |
70 Outperform | ₩24.62T | 13.93 | ― | 3.98% | 4.90% | 6.89% | |
69 Neutral | ₩3.12T | 2.82 | ― | 6.69% | -5.12% | 83.96% | |
57 Neutral | ₩19.94T | 8.44 | ― | 1.10% | 31.19% | 10.76% | |
55 Neutral | $6.65B | 3.83 | -15.92% | 6.20% | 10.91% | 7.18% | |
54 Neutral | ₩9.16T | 5.48 | ― | 5.45% | 156.32% | 77.98% | |
53 Neutral | ₩3.09T | 3.32 | ― | 5.17% | 18.02% | 81.21% |
* General Sector Average
KR:138040
Meritz Financial Group Inc.
123,500.00
12,900.00
11.66%
KR:000810
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4,115.00
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34.70%
Glossary
BuyA stock rated as a "Buy" is expected to perform better than the overall market or a specific benchmark over the near-to-medium term. This rating suggests the stock is likely to deliver higher returns compared to other stocks in the same sector or market index. Note: This is not investment advice; please consult a financial advisor before making investment decisions.
HoldA stock rated as a "Hold" is expected to perform in line with the overall market or a specific benchmark. This rating indicates that the stock is neither particularly compelling nor unfavorable for investment. Note: This is not investment advice; please consult a financial advisor before making investment decisions.
SellA stock rated as a "Sell" is expected to perform worse than the overall market or a specific benchmark over the near-to-medium term. This rating suggests the stock may deliver lower returns compared to other stocks in the same sector or market index. Note: This is not investment advice; please consult a financial advisor before making investment decisions.
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.