1. South Korea Stocks

  2. •

    Commercial services

  3. •

    Miscellaneous commercial services
Korea Credit Information CO. LTD.

Korea Credit Information CO. LTD.

KKRX:049720
8,850.00
KRW
-100.00
(-1.12%)
939.07EPS
10.94P/E
146.73BMarket Cap
Nov 12Next Earn
Korea Credit Information CO. LTD.
KRX:049720
(Korea Stock Exchange)

Recent

price

8,850.00

P/E

ratio

10.94

div

yld

5.69%

ROIC.AI

2010
2011
2012
2013
2014
2015
2016
2017
2018
2019
2020
2021
2022
2023
2024
2025
TTM
KRW
5,034.69
5,956.23
6,035.68
6,032.59
5,910.11
5,960.25
6,105.13
6,317.12
7,441.36
8,372.18
9,577.08
10,437.3
10,544.37
11,372.31
12,307.46
12,766.65
12,772.02
Revenue per Share
61
167.94
64
26
88
288
267.5
258
336
476
740
708
761
846
951
951
939.07
Basic EPS, GAAP
230.67
135.19
-13.4
183.89
178.24
255.59
333.52
175.21
535.97
385.3
-33.15
635.7
453.06
1,282.28
1,354.54
1,151.42
568.5
Free Cash Flow per Basic Share
49.84
49.99
49.88
50.42
49.87
75.02
150
175.06
199.87
219.86
249.86
424.73
309.84
349.98
420.1
469.55
503.15
Dividend per Share
770.03
895.57
884.28
879.2
892.3
1,091.05
1,201.44
1,245.21
1,377.94
1,622.07
2,099.77
2,380.11
2,824.41
3,278.63
3,799.88
4,406.84
4,302.48
Book Value per Share
745.7
781.45
770.82
733.35
664.09
879.63
989.98
1,042.09
1,183.08
1,418.26
1,728.96
2,045.45
2,519.21
2,963.91
3,496.46
4,146.23
3,997.89
Tangible Book Value per Share
14
14
14
14
14
14
14
14
14
14
14
14
14
14
14
14
14
Basic Weighted Avg Shares
68,351
80,610
83,358
82,423
81,647
82,837
84,869
87,787
103,511
116,457
133,209
145,222
146,767
158,214
171,309
178,030
179,199
Sales/Revenue/Turnover
1.73
3.32
2.21
0.33
2.19
6.21
6.38
5.68
5.79
6.13
7.37
8.76
7.8
8.69
9.02
9.4
9.54
Operating Margin (%)
1,276
1,209
974
1,015
1,001
914
806
858
850
4,662
5,397
5,933
6,506
6,782
6,938
6,863
6,839
Depreciation Expense
828
2,273
884
355
1,216
4,003
3,719
3,585
4,674
6,621
10,293
9,851
10,592
11,770
13,237
13,262
13,176
Net Income, GAAP
35.38
29.13
58.17
44.47
36.67
27.23
24.56
23.44
22.75
13.03
1.29
22.35
7.14
16.43
18.35
23.3
25.87
Effective Tax Rate (%)
1.21
2.82
1.06
0.43
1.49
4.83
4.38
4.08
4.52
5.69
7.73
6.78
7.22
7.44
7.73
7.45
7.35
Profit Margin (%)
2,526
3,672
5,347
3,301
3,088
5,650
5,663
5,278
6,123
1,586
-12,462
-17,840
-16,407
15,531
27,448
35,086
24,499
Working Capital
- -
- -
- -
75
579
202
- -
- -
- -
5,694
9,840
9,851
7,276
9,726
8,206
11,576
11,124
LT Debt
10,419
12,339
12,369
12,241
12,505
15,279
16,811
17,310
19,155
22,549
29,190
33,111
39,292
45,635
52,916
62,961
61,470
Total Equity
7.3
16.19
6.05
1.24
9.13
26.15
25.11
22.74
31.01
27.32
23.47
17.05
17.13
15.62
16.94
15.25
14.86
Return on Invested Capital (%)
8.2
20.04
7.31
3.42
10.01
28.14
23.04
21.03
25.63
26.75
25.16
18.29
17.01
17.69
18.9
16.92
16.48
Return on Capital (%)
8.01
19.97
7.21
2.92
9.92
29.04
23.34
21.08
25.63
31.75
39.79
31.62
29.26
27.72
26.86
22.89
23.16
Return on Common Equity (%)

Capital Structure

KRW

•

in mil. unless spec.
Sep'25
Dec'25
Mar'26
ST Debt
14,253
14,104
14,869
LT Borrowings
- -
- -
- -
LT Finance Leases
11,971
11,576
11,124
Preferred Equity and Hybrid Capital
- -
- -
- -
Shares Outstanding
14
14
14
Market Capitalization
154,143
150,871
146,728

Working Capital

KRW

•

in mil. unless spec.
Sep'25
Dec'25
Mar'26
Total Current Assets
69,227
74,171
61,062
Cash, Cash Equivalents & STI
30,214
33,427
23,811
Accounts Receivable, Net
10,511
11,914
10,783
Inventories
- -
- -
- -
Total Current Liabilities
38,595
39,085
36,563
Payables & Accruals
- -
- -
- -
ST Debt
14,253
14,104
14,869
Deferred Revenue
- -
- -
- -

Growth Rates

KRW

•

in mil. unless spec.

(avg. rate of change)

10 years
5 years
1 year
Total Equity
15.4%
16.64%
18.98%
Free Cash Flow
-182.05%
-374.6%
-14.84%
Net Income, GAAP
14.38%
5.4%
0.19%
Sales/Revenue/Turnover
8.08%
6.02%
3.92%
Total Cash Common Dividend
24.26%
17.6%
11.98%

Quarterly Revenue

KRW

•

in mil. unless spec.

Year

Q1
Q2
Q3
Q4
FY
2024
41,506
43,174
43,388
43,241
171,309
2025
42,647
44,852
45,498
45,034
178,030
2026
43,815
- -
- -
- -
- -

Quarterly Earnings Per Share

KRW

•

in mil. unless spec.

Year

Q1
Q2
Q3
Q4
FY
2024
186
250
231
283.21
951
2025
197
244.33
266.88
243.05
951
2026
186.04
- -
- -
- -
- -

Quarterly Dividends Per Share

KRW

•

in mil. unless spec.

Year

Q1
Q2
Q3
Q4
FY
2024
199.8
- -
219.74
- -
420.1
2025
229.93
- -
240
- -
469.55
2026
259.97
- -
- -
- -
- -
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Business
Korea Credit Information CO. LTD. is a South Korea-based financial services provider primarily engaged in debt collection, credit investigation, and credit management outsourcing services. The company operates across three core business divisions: Debt Collection, Credit Investigation, and Civil Affairs Agency. Its Debt Collection segment provides recovery and resolution services for financial institution non-performing loans (NPLs); retail banking and savings bank loan delinquencies; credit card receivables; telecommunications and utility arrears; installment finance debts; commercial trade receivables; and judicial enforcement bonds. Its Credit Investigation segment offers corporate credit analysis; commercial transaction risk assessments; individual debtor solvency and asset investigations; real estate ownership checks; and background verification services for financial entities and corporate clients. Its Civil Affairs Agency segment provides legal document delivery; civil petition administration; debtor location tracking; and comprehensive accounts receivable management outsourcing. In recent operations, Korea Credit Information CO. LTD. has advanced the digital transformation of its recovery infrastructure by integrating artificial intelligence-driven debtor profiling systems, automated cloud-based communication channels, and enhanced big-data analytics for credit scoring and recovery prioritization. The company has also expanded strategic partnerships with domestic commercial banks, secondary financial institutions, and fintech enterprises to broaden its portfolio of non-performing debt servicing mandates, while restructuring operational workflows to reinforce regulatory compliance under South Korean financial consumer protection and fair debt collection standards. Founded in 1991 and headquartered in Seoul, South Korea, Korea Credit Information CO. LTD. serves domestic commercial banks, specialized financial institutions, public corporations, telecommunication carriers, small and medium-sized enterprises, and individual creditors throughout South Korea.