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JB Financial Group Co., Ltd.
(175330)
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Rating:66Neutral
Price Target:
₩26,244.00
Action:N/A
Date:10/28/26
The score is driven primarily by solid underlying profitability and returns on equity, supported by attractive valuation (low P/E and high dividend yield). These positives are tempered by rising leverage and historically unstable cash-flow generation, while the technical picture is notably weak with the stock trading below all major moving averages and bearish momentum readings.
Positive Factors
Strong Profitability
Strong margins and consistently healthy returns on equity indicate that JB Financial converts its banking and finance activities into substantial earnings. This profitability provides internal capacity to absorb pressure, support capital formation, and maintain competitive financial performance over the next several quarters.
Negative Factors
Rising Leverage
Debt-to-equity has increased materially from prior years, indicating that leverage is rising faster than the group’s historical baseline. Although higher leverage is typical for banks, the trend can reduce financial flexibility, increase sensitivity to funding conditions, and amplify pressure if asset quality or earnings deteriorate.
Read all positive and negative factors
Positive Factors
Negative Factors
Strong Profitability
Strong margins and consistently healthy returns on equity indicate that JB Financial converts its banking and finance activities into substantial earnings. This profitability provides internal capacity to absorb pressure, support capital formation, and maintain competitive financial performance over the next several quarters.
Read all positive factors
JB Financial Group Co., Ltd. (175330) vs. SPDR S&P 500 ETF (SPY)
Market Cap
₩4.50T
Dividend Yield5.91%
Average Volume (3M)378.04K
Price to Earnings (P/E)6.4
Beta (1Y)0.17
Revenue Growth9.05%
EPS Growth7.71%
CountryKR
Employees71
SectorGeneral
Sector StrengthN/A
IndustryBanks - Regional
Share Statistics
EPS (TTM)3813.24
Shares Outstanding186,521,820
10 Day Avg. Volume398,351
30 Day Avg. Volume378,036
Financial Highlights & Ratios
PEG Ratio0.78
Price to Book (P/B)0.93
Price to Sales (P/S)5.19
P/FCF Ratio4.13
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)4,010.26
Revenue Forecast (FY)₩2.50T
JB Financial Group Co., Ltd. Business Overview & Revenue Model
Company Description
JB Financial Group Co., Ltd., utilizing its network of subsidiaries, delivers a comprehensive suite of banking and financial services to both individual consumers and institutional clients, operating across South Korea and global markets. The comp...
JB Financial Group Co., Ltd. Financial Statement Overview
Summary
Income Statement
78
Positive
Balance Sheet
63
Positive
Cash Flow
54
Neutral
| Breakdown | TTM | Dec 2025 | Dec 2024 | Dec 2023 | Dec 2022 | Dec 2021 |
|---|---|---|---|---|---|---|
Income Statement | ||||||
| Total Revenue | 2.54T | 964.70B | 4.06T | 3.72T | 2.73T | 2.13T |
| Gross Profit | 1.65T | 964.70B | 2.40T | 2.23T | 1.95T | 1.68T |
| EBITDA | 1.07T | 1.07T | 1.00T | 893.69B | 922.71B | 790.45B |
| Net Income | 743.21B | 730.04B | 677.52B | 585.98B | 601.02B | 506.56B |
Balance Sheet | ||||||
| Total Assets | 76.24T | 73.12T | 66.72T | 63.40T | 59.83T | 56.40T |
| Cash, Cash Equivalents and Short-Term Investments | 2.07T | 2.41T | 1.62T | 1.90T | 2.08T | 2.92T |
| Total Debt | 18.76T | 17.61T | 14.89T | 13.57T | 11.73T | 10.39T |
| Total Liabilities | 70.45T | 67.47T | 61.00T | 58.29T | 55.07T | 52.07T |
| Stockholders Equity | 5.50T | 5.39T | 5.58T | 5.00T | 4.58T | 4.16T |
Cash Flow | ||||||
| Free Cash Flow | 1.23T | 1.21T | -1.07T | -734.21B | -1.25T | 197.07B |
| Operating Cash Flow | 1.29T | 1.26T | -963.15B | -299.88B | -1.15T | 279.21B |
| Investing Cash Flow | -6.33T | -6.01T | -663.82B | -1.27T | -790.27B | -551.67B |
| Financing Cash Flow | 5.28T | 5.57T | 1.28T | 1.54T | 1.00T | 442.63B |
JB Financial Group Co., Ltd. Technical Analysis
Negative
―
Price Trends
28762.00
Negative
27474.20
Negative
27420.60
Negative
Market Momentum
-1324.36
Positive
28.38
Positive
15.43
Positive
Evaluating momentum and price trends is crucial in stock analysis to make informed investment decisions. For KR:175330, the sentiment is Negative. The current price of undefined is equal to the 20-day moving average (MA) of 27117.50, equal to the 50-day MA of 28762.00, and equal to the 200-day MA of 27420.60, indicating a bearish trend. The MACD of -1324.36 indicates Positive momentum. The RSI at 28.38 is Positive, neither overbought nor oversold. The STOCH value of 15.43 is Positive, not indicating any strong overbought or oversold conditions. Overall, these indicators collectively point to a Negative sentiment for KR:175330.
JB Financial Group Co., Ltd. Peers Comparison
UnderperformOutperform
Sector (55)
Name | Overall Rating | Market Cap | P/E Ratio | ROE | Dividend Yield | Revenue Growth | EPS Growth |
|---|---|---|---|---|---|---|---|
66 Neutral | ₩4.50T | 6.40 | ― | 5.91% | 9.05% | 7.71% | |
66 Neutral | ₩22.03T | 7.27 | ― | 4.68% | 37.27% | -6.05% | |
65 Neutral | ₩40.20T | 7.94 | ― | 3.34% | 32.01% | 19.24% | |
62 Neutral | ₩51.96T | 8.92 | ― | 5.39% | 7.48% | 14.84% | |
60 Neutral | ₩9.31T | 16.92 | ― | 2.36% | 2.68% | 15.30% | |
58 Neutral | ₩4.00T | 6.10 | ― | 6.01% | 10.30% | -13.12% | |
55 Neutral | $6.65B | 3.83 | -15.92% | 6.20% | 10.91% | 7.18% |
* General Sector Average
KR:175330
JB Financial Group Co., Ltd.
24,450.00
2,707.19
12.45%
KR:055550
Shinhan Financial Group Co., Ltd.
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KB Financial Group Inc.
154,000.00
41,684.58
37.11%
KR:138930
BNK Financial Group, Inc.
13,220.00
-5.74
-0.04%
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Woori Financial Group, Inc.
29,900.00
5,411.24
22.10%
KR:323410
KakaoBank Corp.
19,530.00
-2,895.43
-12.91%
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.