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KakaoBank Corp.
(323410)
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Rating:60Neutral
Price Target:
$20,559.00
Action:N/A
Date:10/28/26
The score is driven primarily by solid profitability and a generally strong balance sheet, offset by materially negative recent cash flow. Weak technicals (downtrend and bearish momentum) further weigh on the outlook, while valuation is reasonable with a moderate P/E and supportive dividend yield.
Positive Factors
Digital banking model
KakaoBank’s app-first model supports digital customer acquisition and servicing across deposits, lending, payments and account management. A unified mobile platform can help the bank scale retail relationships efficiently and reinforce its competitive position in South Korea’s technology-oriented banking market.
Negative Factors
Negative cash generation
The sharp shift from positive cash generation in 2022–2024 to deeply negative operating and free cash flow creates volatility in internally generated liquidity. Even though the pattern may reflect banking funding movements, persistence would constrain flexibility and complicate assessment of underlying cash conversion.
Read all positive and negative factors
Positive Factors
Negative Factors
Digital banking model
KakaoBank’s app-first model supports digital customer acquisition and servicing across deposits, lending, payments and account management. A unified mobile platform can help the bank scale retail relationships efficiently and reinforce its competitive position in South Korea’s technology-oriented banking market.
Read all positive factors
KakaoBank Corp. (323410) vs. SPDR S&P 500 ETF (SPY)
Market Cap
₩9.31T
Dividend Yield2.36%
Average Volume (3M)628.71K
Price to Earnings (P/E)16.9
Beta (1Y)0.23
Revenue Growth2.68%
EPS Growth15.30%
CountryKR
Employees1,806
SectorGeneral
Sector StrengthN/A
IndustryBanks - Regional
Share Statistics
EPS (TTM)1142.17
Shares Outstanding477,120,420
10 Day Avg. Volume627,197
30 Day Avg. Volume628,705
Financial Highlights & Ratios
PEG Ratio2.43
Price to Book (P/B)1.53
Price to Sales (P/S)3.77
P/FCF Ratio-0.69
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)1,272.82
Revenue Forecast (FY)₩1.64T
KakaoBank Corp. Business Overview & Revenue Model
Company Description
KakaoBank Corp., an Internet bank, provides banking services through electronic financial transaction method in South Korea. It offers various deposits, including checking, group, safe box, piggy bank, journal account, time deposits, flexible savi...
KakaoBank Corp. Financial Statement Overview
Summary
Income Statement
78
Positive
Balance Sheet
86
Very Positive
Cash Flow
34
Negative
| Breakdown | TTM | Dec 2025 | Dec 2024 | Dec 2023 | Dec 2022 | Dec 2021 |
|---|---|---|---|---|---|---|
Income Statement | ||||||
| Total Revenue | 2.94T | 2.73T | 2.65T | 2.22T | 1.37T | 862.40B |
| Gross Profit | 1.67T | 1.59T | 1.52T | 1.29T | 1.01T | 697.72B |
| EBITDA | 690.70B | 701.79B | 643.01B | 515.44B | 402.97B | 303.35B |
| Net Income | 544.65B | 480.28B | 440.06B | 354.91B | 263.09B | 204.12B |
Balance Sheet | ||||||
| Total Assets | 75.92T | 76.41T | 62.81T | 54.49T | 39.52T | 36.04T |
| Cash, Cash Equivalents and Short-Term Investments | 2.09T | 2.11T | 1.86T | 2.73T | 1.38T | 1.22T |
| Total Debt | 987.50B | 127.31B | 106.37B | 116.61B | 109.64B | 35.07B |
| Total Liabilities | 69.24T | 69.66T | 56.27T | 48.37T | 33.80T | 30.52T |
| Stockholders Equity | 6.68T | 6.75T | 6.54T | 6.12T | 5.72T | 5.52T |
Cash Flow | ||||||
| Free Cash Flow | -10.71T | -14.85T | 799.13B | 2.86T | 1.82T | -316.17B |
| Operating Cash Flow | -10.60T | -14.79T | 841.36B | 2.89T | 1.88T | -295.51B |
| Investing Cash Flow | 9.63T | 1.88T | -1.63T | -1.47T | -1.71T | -2.21T |
| Financing Cash Flow | 1.97T | 13.15T | -95.66B | -71.10B | -8.24B | 2.50T |
KakaoBank Corp. Technical Analysis
Negative
―
Price Trends
20820.40
Negative
21517.20
Negative
22722.77
Negative
Market Momentum
-282.76
Positive
36.78
Neutral
10.22
Positive
Evaluating momentum and price trends is crucial in stock analysis to make informed investment decisions. For KR:323410, the sentiment is Negative. The current price of undefined is equal to the 20-day moving average (MA) of 19972.50, equal to the 50-day MA of 20820.40, and equal to the 200-day MA of 22722.77, indicating a bearish trend. The MACD of -282.76 indicates Positive momentum. The RSI at 36.78 is Neutral, neither overbought nor oversold. The STOCH value of 10.22 is Positive, not indicating any strong overbought or oversold conditions. Overall, these indicators collectively point to a Negative sentiment for KR:323410.
KakaoBank Corp. Peers Comparison
UnderperformOutperform
Sector (55)
Name | Overall Rating | Market Cap | P/E Ratio | ROE | Dividend Yield | Revenue Growth | EPS Growth |
|---|---|---|---|---|---|---|---|
66 Neutral | ₩22.03T | 7.27 | ― | 4.61% | 37.27% | -6.05% | |
65 Neutral | ₩40.20T | 7.94 | ― | 3.50% | 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% | |
55 Neutral | $6.65B | 3.83 | -15.92% | 6.20% | 10.91% | 7.18% | |
42 Neutral | ₩4.62T | 52.11 | ― | ― | 33.93% | 1786.13% |
* General Sector Average
KR:323410
KakaoBank Corp.
19,530.00
-3,583.93
-15.51%
KR:055550
Shinhan Financial Group Co., Ltd.
87,800.00
15,687.26
21.75%
KR:105560
KB Financial Group Inc.
154,000.00
41,490.59
36.88%
KR:279570
K Bank Co., Ltd.
5,200.00
-3,130.00
-37.58%
KR:316140
Woori Financial Group, Inc.
29,900.00
5,411.24
22.10%
KR:377300
kakaopay Corp.
34,150.00
-19,550.00
-36.41%
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.