K Bank Co., Ltd.

K Bank Co., Ltd.

KKRX:279570
5,180.00
KRW
-40.00
(-0.77%)
220.83EPS
25.18P/E
2.30TMarket Cap
2016 Y
2017 Y
2018 Y
2019 Y
2020 Y
2021 Y
2022 Y
2023 Y
2024 Y
2025 Y
TTM
Revenue per Share
-101.15
87.61
325.72
321.93
287.21
799.14
1,042.56
1,298.85
1,660.23
1,654.76
1,610.7
Basic EPS, GAAP
-538
-1,521
-1,076
-1,027
-782
82
222
34
341
294
225.6
Free Cash Flow per Basic Share
-5,141.57
2,886.05
475.16
2,853.17
-3,601.91
6,853.2
916.46
-1,426.82
4,851.47
1,461.7
-3,536.17
Dividend per Share
- -
- -
- -
- -
- -
- -
- -
- -
- -
6
8.8
Book Value per Share
449.39
458.87
472.25
217.87
817.06
4,246.22
4,431.72
4,601.68
4,919.57
5,353.2
6,016.53
Tangible Book Value per Share
304.69
268.09
283.84
69.66
719.23
4,177.41
4,364.59
4,524.37
4,823.61
5,197.25
5,859.66
Basic Weighted Avg Shares
47
55
74
98
135
275
376
377
376
383
392
Sales/Revenue/Turnover
-4,785
4,826
24,117
31,589
38,702
219,735
392,459
489,439
623,454
633,811
631,421
Operating Margin (%)
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
Depreciation Expense
1,007
15,409
21,843
30,410
32,259
34,171
21,395
19,100
19,988
27,671
31,745
Net Income, GAAP
-25,452
-83,787
-79,670
-100,773
-105,374
22,547
83,569
12,812
128,053
112,609
88,437
Effective Tax Rate (%)
- -
- -
- -
- -
- -
7.73
9.02
13.47
3.55
0.9
0.29
Profit Margin (%)
531.88
-1,736.16
-330.35
-319.01
-272.27
10.26
21.29
2.62
20.54
17.77
14.01
Working Capital
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
LT Debt
- -
- -
- -
7,013
25,519
25,530
21,880
20,455
20,806
16,184
16,312
Total Equity
219,813
233,774
280,083
204,471
488,828
1,738,056
1,797,928
1,866,881
1,995,845
2,171,766
2,440,877
Return on Invested Capital (%)
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
Return on Capital (%)
- -
- -
- -
- -
- -
1.98
4.66
0.69
6.56
5.36
3.8
Return on Common Equity (%)
- -
-45.48
-42.18
-71.99
-50.19
2.2
4.75
0.7
6.63
5.4
3.83

Capital Structure

KRW

•

in mil. unless spec.
Dec'25
Mar'26
Jun'26
ST Debt
- -
- -
- -
LT Borrowings
- -
- -
- -
LT Finance Leases
- -
- -
- -
Preferred Equity and Hybrid Capital
- -
- -
- -
Shares Outstanding
406
406
406
Market Capitalization
- -
2,422,000
2,304,348

Working Capital

KRW

•

in mil. unless spec.
Dec'25
Mar'26
Jun'26
Total Current Assets
- -
- -
- -
Cash, Cash Equivalents & STI
1,413,504
1,038,873
1,367,016
Accounts Receivable, Net
- -
- -
- -
Inventories
- -
- -
- -
Total Current Liabilities
- -
- -
- -
Payables & Accruals
- -
- -
- -
ST Debt
- -
- -
- -
Deferred Revenue
- -
- -
- -

Growth Rates

KRW

•

in mil. unless spec.

(avg. rate of change)

10 years
5 years
1 year
Total Equity
- -
55.71%
8.81%
Free Cash Flow
- -
-266.78%
-69.27%
Net Income, GAAP
- -
190.4%
-12.06%
Sales/Revenue/Turnover
- -
120.02%
1.66%
Total Cash Common Dividend
- -
- -
- -

Quarterly Revenue

KRW

•

in mil. unless spec.

Year

Q1
Q2
Q3
Q4
FY
2024
153,628
147,979
149,397
172,359
623,454
2025
139,326
182,161
151,673
160,651
633,811
2026
160,703
158,394
- -
- -
- -

Quarterly Earnings Per Share

KRW

•

in mil. unless spec.

Year

Q1
Q2
Q3
Q4
FY
2024
135
92
98
13.52
341
2025
43
182
48
24.43
294
2026
85.8
66.23
- -
- -
- -

Quarterly Dividends Per Share

KRW

•

in mil. unless spec.

Year

Q1
Q2
Q3
Q4
FY
2024
- -
- -
- -
- -
- -
2025
- -
- -
- -
3.06
6
2026
2.97
2.83
- -
- -
- -

Company Description

CEO
Woo-Hyung Choi
Full Time Employees
635
Sector
Finance
Industry
Regional banks
Address
Seoul South Korea
IPO Date
Mar 5, 2026
Business
K Bank Co., Ltd. is a South Korea-based digital-only commercial bank that provides branchless retail and business banking services through proprietary mobile platforms. Founded in 2016 and headquartered in Seoul, South Korea, the company operates as the nation's first internet-only bank, operating under the financial backing and affiliation of BC Card Co., Ltd., a subsidiary of KT Corporation. The bank provides digital financial solutions to retail consumers, self-employed individuals, and small-to-medium enterprises across South Korea. The company's primary products and services comprise personal deposit and savings products, including flexible demand deposit accounts, high-yield parking accounts, time deposits, and recurring installment savings plans; consumer lending solutions, including unsecured personal credit loans, mid-rate loans for subprime borrowers, micro-credit overdrafts, fully non-face-to-face apartment mortgage loans, and jeonse residential lease deposit loans; corporate and sole proprietorship financing, including tailored business operating loans and government-guaranteed commercial facilities; payment and transaction services, including proprietary debit cards, co-branded credit cards, open banking integration, domestic automated transfers, and international remittance; and integrated platform financial services, including real-name digital asset exchange verification accounts, securities account brokerage, foreign exchange services, and bancassurance product distribution. In recent developments, K Bank Co., Ltd. has pursued a public listing on the Korea Exchange under ticker 279570 to expand its capital base and support continued asset growth. The company has renewed its core strategic partnership with Dunamu to provide fiat deposit and withdrawal verification services for the Upbit cryptocurrency exchange. To balance its asset portfolio, the bank has strategically diversified away from unsecured consumer credit by scaling its non-face-to-face mortgage and SME loan divisions. Furthermore, the institution has upgraded its proprietary credit evaluation engine with alternative big data from telecommunications and merchant payment networks, while expanding its platform banking ecosystem through partnerships in insurance brokerage, fractional asset investment, and co-branded credit products.