1. South Korea Stocks

  2. •

    Financial Services

  3. •

    Banks - Regional
KakaoBank Corp.

KakaoBank Corp.

323410.KS
KakaoBank Corp.KR flagKorea Exchange
22,900.00
KRW
+1,300.00
- -
10.91TMarket Cap
KakaoBank Corp.
323410.KS
(Korea Exchange)

Recent

price

22,900.00

P/E

ratio

- -

div

yld

- -

ROIC.AI

2016
2017
2018
2019
2020
2021
2022
2023
2024
2025
TTM
FRC
- -
- -
- -
760.6
1,182.53
1,596.25
2,132.67
2,703.96
3,199.44
3,341.81
3,345.03
Revenue per Share
- -
- -
- -
50
309
467
553
745
924
1,008
1,112.67
Basic EPS, GAAP
- -
- -
- -
4,552.62
400.71
-668.99
3,827.81
5,999.55
1,677.93
12,458.51
13,443.05
Free Cash Flow per Basic Share
- -
- -
- -
- -
- -
- -
- -
80.06
150.02
359.98
- -
Dividend per Share
- -
- -
- -
6,182.3
5,504.88
5,870.78
5,963.28
6,589.01
7,365.81
8,011.07
7,945.18
Book Value per Share
- -
- -
- -
5,906.7
7,483.49
12,555.38
11,953.52
12,769.92
13,641.28
14,071.42
13,803.85
Tangible Book Value per Share
- -
- -
- -
275
368
437
476
476
476
476
476
Basic Weighted Avg Shares
-2,277
-4,160
121,714
208,904
434,880
697,716
1,014,622
1,288,147
1,523,768
1,592,264
1,593,817
Sales/Revenue/Turnover
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
Operating Margin (%)
1,106
10,342
23,951
32,974
43,099
46,625
51,238
46,232
54,099
61,757
66,739
Depreciation Expense
-15,302
-104,491
-20,955
13,733
113,636
204,124
263,091
354,912
440,065
480,280
530,160
Net Income, GAAP
- -
- -
- -
- -
7.11
20.49
25.2
24.36
25.27
24.96
25.15
Effective Tax Rate (%)
672.04
2,512.1
-17.22
6.57
26.13
29.26
25.93
27.55
28.88
30.16
33.26
Profit Margin (%)
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
Working Capital
- -
- -
- -
13,859
8,497
35,074
109,639
116,614
106,371
127,308
221,559
LT Debt
280,368
667,857
1,140,408
1,678,721
2,796,962
5,521,370
5,715,110
6,117,694
6,540,131
6,749,866
6,623,982
Total Equity
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
Return on Invested Capital (%)
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
Return on Capital (%)
- -
-21.66
-2.72
1.07
6.11
8.89
9.74
11.88
13.24
13.11
14.61
Return on Common Equity (%)

Capital Structure

FRC

•

in mil. unless spec.
Sep'25
Dec'25
Mar'26
ST Debt
- -
- -
- -
LT Borrowings
- -
- -
- -
LT Finance Leases
- -
- -
- -
Preferred Equity and Hybrid Capital
- -
- -
- -
Shares Outstanding
476
476
476
Market Capitalization
11,321,237
10,296,367
11,411,540

Working Capital

FRC

•

in mil. unless spec.
Sep'25
Dec'25
Mar'26
Total Current Assets
- -
- -
- -
Cash, Cash Equivalents & STI
1,749,810
2,113,379
835,220
Accounts Receivable, Net
- -
- -
- -
Inventories
- -
- -
- -
Total Current Liabilities
- -
- -
- -
Payables & Accruals
- -
- -
- -
ST Debt
- -
- -
- -
Deferred Revenue
- -
- -
- -

Growth Rates

FRC

•

in mil. unless spec.

(avg. rate of change)

10 years
5 years
1 year
Total Equity
- -
23.62%
3.21%
Free Cash Flow
- -
-78.7%
642.82%
Net Income, GAAP
- -
35.31%
9.14%
Sales/Revenue/Turnover
- -
31.12%
4.5%
Total Cash Common Dividend
- -
- -
140.05%

Quarterly Revenue

FRC

•

in mil. unless spec.

Year

Q1
Q2
Q3
Q4
FY
2024
357,687
382,265
393,008
390,808
1,523,768
2025
408,764
403,542
393,260
386,698
1,592,264
2026
410,317
- -
- -
- -
- -

Quarterly Earnings Per Share

FRC

•

in mil. unless spec.

Year

Q1
Q2
Q3
Q4
FY
2024
233
252
261
- -
924
2025
288
264.99
233.81
- -
1,008
2026
393.06
- -
- -
- -
- -

Quarterly Dividends Per Share

FRC

•

in mil. unless spec.

Year

Q1
Q2
Q3
Q4
FY
2024
- -
- -
- -
- -
150.02
2025
- -
- -
- -
- -
359.98
2026
- -
- -
- -
- -
- -
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Business
KakaoBank Corp (323410.KS) operates as a mobile-only internet bank in South Korea, providing a comprehensive range of digital banking services through its app, including various deposits such as savings accounts and term deposits; unsecured personal loans, housing loans including Bogeumjari and SOHO secured products, and auto loans; credit and debit cards; stock accounts and linked loans; international money transfers and overseas remittances; loan comparison platforms with execution values; fee-based services like advertising and platform businesses; group accounts; and AI-powered features such as search, calculators, transfers, and group treasurer tools. Founded in 2016 through a collaboration between Kakao Corp and Korea Investment Holdings, the company is headquartered in Seongnam-si, South Korea, with operations focused on the domestic retail market and a customer base exceeding 26 million as of Q3 2025. KakaoBank targets individual consumers, including millennials, families, and older demographics via products like My Kids Service, and leverages synergies with Kakao Group's KakaoTalk platform for customer acquisition. Recent developments include expansion of loan comparison partnerships into insurance with Hanwha Life in November 2024 and Kyobo Life in December 2024, reaching 56 partners; launch of unsecured loan comparison in December 2023 and SOHO secured loans in July 2025; investment in a real estate fund for Pangyo Tech One tower acquisition; pursuit of a virtual banking license in Thailand via application with SCB X in September 2024; a 10% stake acquisition in Indonesia's Superbank with partnerships alongside Grab, Singtel, and Emtek for Southeast Asian expansion; preparation for won stablecoin issuance in collaboration with Kakao Group entities; and record profits of 375.1 billion won in the first nine months of 2025 alongside high operating profit growth and 17% year-over-year deposit increases in 4Q 2024. The company, formerly KakaoBank of Korea Corp until its name change in June 2020, maintains no physical branches and emphasizes AI-driven innovations and platform growth for double-digit expansion in core offerings through 2026.