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iM Financial Group Co. Ltd. (139130) AI Stock Analysis
iM Financial Group Co. Ltd.
(Korea Exchange:139130)
The score is supported primarily by attractive valuation (low P/E and strong dividend yield) and improved TTM profitability/cash conversion. Offsetting this, technical indicators are decisively bearish (below major moving averages with negative MACD and oversold momentum), and financials still carry moderate risk due to leverage and multi-year volatility.
iM Financial Group Co. Ltd. (139130) vs. SPDR S&P 500 ETF (SPY)
- Market Cap
- KRW 2.50T
- Dividend Yield
- 4.44%
- Average Volume (3M)
- 454.81K
- Price to Earnings (P/E)
- 6.0
- Beta (1Y)
- 0.17
- Revenue Growth
- 24.47%
- EPS Growth
- 13.27%
- Country
- KR
- Employees
- 96
- Sector
- General
- Sector Strength
- 55
- Industry
- Banks
iM Financial Group Co. Ltd. Business Overview & Revenue Model
Company 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 ex...
iM Financial Group Co. Ltd. Financial Statement Overview
Summary
TTM profitability and growth improved (net margin ~16% and revenue growth +12%) with decent cash conversion (~0.95x FCF to net income). However, results are volatile across years (notably weak 2024 margins and deeply negative cash flow in 2022) and leverage has risen into TTM (debt-to-equity ~3.1x–4.4x), keeping overall financial quality moderate.
Income Statement
66PositiveBalance Sheet
52NeutralCash Flow
58Neutral| Breakdown | TTM | Dec 2025 | Dec 2024 | Dec 2023 | Dec 2022 | Dec 2021 |
|---|---|---|---|---|---|---|
Income Statement | ||||||
| Total Revenue | 2.73T | 581.52B | 4.80T | 4.77T | 3.46T | 2.80T |
| Gross Profit | 1.58T | 581.52B | 2.31T | 2.38T | 2.22T | 2.26T |
| EBITDA | 657.76B | 709.75B | 394.26B | 672.13B | 737.86B | 856.60B |
| Net Income | 436.14B | 457.49B | 214.88B | 387.84B | 410.52B | 503.07B |
Balance Sheet | ||||||
| Total Assets | 107.86T | 98.86T | 93.93T | 93.36T | 89.98T | 85.91T |
| Cash, Cash Equivalents and Short-Term Investments | 3.64T | 3.35T | 4.47T | 3.01T | 4.30T | 4.49T |
| Total Debt | 24.20T | 21.93T | 18.44T | 20.98T | 21.41T | 17.52T |
| Total Liabilities | 102.13T | 93.29T | 87.94T | 87.08T | 83.58T | 79.58T |
| Stockholders Equity | 5.51T | 5.36T | 5.99T | 5.95T | 5.58T | 5.50T |
Cash Flow | ||||||
| Free Cash Flow | 708.25B | 1.26T | 2.82T | 1.87T | -3.05T | 743.58B |
| Operating Cash Flow | 747.48B | 1.29T | 2.90T | 1.95T | -2.95T | 881.86B |
| Investing Cash Flow | -5.42T | -4.11T | -1.12T | -404.63B | -72.46B | -1.37T |
| Financing Cash Flow | 4.62T | 3.23T | -2.82T | -1.09T | 3.36T | 538.34B |
iM Financial Group Co. Ltd. Technical Analysis
Price Trends
Market Momentum
Evaluating momentum and price trends is crucial in stock analysis to make informed investment decisions. For KR:139130, the sentiment is Negative. The current price of 15490.00 is below the 20-day moving average (MA) of 16777.50, below the 50-day MA of 17601.80, and below the 200-day MA of 17360.77, indicating a bearish trend. The MACD of -708.04 indicates Positive momentum. The RSI at 37.61 is Neutral, neither overbought nor oversold. The STOCH value of 34.61 is Neutral, not indicating any strong overbought or oversold conditions. Overall, these indicators collectively point to a Negative sentiment for KR:139130.
iM Financial Group Co. Ltd. Peers Comparison
Overall Rating
KR:00369069.5Neutral
KR:00145069Neutral- KR:13913061Neutral
KR:08562054Neutral
KR:08835053Neutral
Financial Indicators
| Name | Overall Rating | Market Cap | P/E Ratio | ROE | Dividend Yield | Revenue Growth | EPS Growth |
|---|---|---|---|---|---|---|---|
| KR:003690 | 70Neutral | KRW 2.47T | 5.65 | ― | 4.08% | -1.87% | 33.34% |
| KR:001450 | 69Neutral | KRW 3.26T | 2.95 | ― | ― | -5.12% | 83.96% |
| KR:139130 | 61Neutral | KRW 2.48T | 6.00 | ― | 4.44% | 24.47% | 13.27% |
| Sector * | 55Neutral | $6.65B | 3.83 | -15.92% | 6.20% | 10.91% | 7.18% |
| KR:085620 | 54Neutral | KRW 2.56T | 20.48 | ― | ― | 21.51% | -13.26% |
| KR:088350 | 53Neutral | KRW 3.09T | 3.32 | ― | ― | 18.02% | 81.21% |
* General Sector Average
Performance Comparison
| Show on chart | Ticker | Company Name | Price | Change | % Change |
|---|---|---|---|---|---|
| KR:139130 | iM Financial Group Co. Ltd. | 15770.00 | 2821.28 | 21.79% | |
| KR:001450 | Hyundai Marine & Fire Insurance Co., Ltd. | 43950.00 | 16950.00 | 62.78% | |
| KR:003690 | Korean Reinsurance Company | 13960.00 | 3928.47 | 39.16% | |
| KR:031210 | Seoul Guarantee Insurance Company | 43100.00 | -2469.19 | -5.42% | |
| KR:085620 | Mirae Asset Life Insurance Co., Ltd. | 19640.00 | 10750.00 | 120.92% | |
| KR:088350 | HANWHA LIFE INSURANCE Co., Ltd. | 4115.00 | 1095.00 | 36.26% |
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