Industrial Bank of Korea Logo

Industrial Bank of Korea

024110.KS

(2.5)
Stock Price

14.350,00 KRW

5.05% ROA

9.38% ROE

4.21x PER

Market Cap.

11.267.629.351.740,00 KRW

839.35% DER

6.96% Yield

12.62% NPM

Industrial Bank of Korea Stock Analysis

Industrial Bank of Korea Fundamental Analysis

Fundamental analysis in stock investing is like studying the foundation of a house before buying it. It involves looking at a company's financial health, like its earnings, assets, and debts, to determine if it's a good investment based on its fundamental strength and potential for growth.

Industrial Bank of Korea Fundamental Stock Analysis
# Analysis Rating
1 PBV

The stock's low PBV ratio (0.32x) suggests it's undervalued, making it an attractive opportunity for investors.

2 DER

The stock has a low debt to equity ratio (0%), which means it has a small amount of debt compared to the ownership it holds

3 Assets Growth

Over the past five years, this company's revenue has consistently increased, demonstrating a robust financial performance that makes it an appealing opportunity.

4 ROE

The stock's ROE falls within an average range (10.04%), demonstrating satisfactory profitability and efficiency in utilizing shareholders' equity.

5 ROA

The stock's ROA (0.66%) shows that it's doing a pretty good job at making money from its assets, making it a solid choice to invest and earn steady profits.

6 Graham Number

The Graham number of this company suggests that its stock price may be undervalued, indicating a potentially attractive investment opportunity.

7 Buffet Intrinsic Value

Warren Buffett's formula suggests that the company's stock is undervalued (33.946), making it an appealing investment prospect with its intrinsic value surpassing the current market price.

8 Revenue Growth

Company's revenue has stayed stagnant, showing no signs of improvement and making it a less favorable choice.

9 Net Profit Growth

Throughout the last five years, this company's net profit has remained unchanged, indicating a lack of growth and making it a less favorable investment option.

10 Dividend Growth

Potential investors should be aware that the company's dividend growth has shown no upward trend in the past three years, indicating limited potential for increased returns.

11 Dividend

Investors should be cautious as the company hasn't distributed dividends in the last three years, possibly indicating financial challenges.

Industrial Bank of Korea Technical Analysis

Technical analysis in stock investing is like reading the patterns on a weather map to predict future weather conditions. It involves studying past stock price movements and trading volumes to make predictions about where a stock's price might go next, without necessarily looking at the company's financial health.

Industrial Bank of Korea Technical Stock Analysis
# Analysis Recommendation
1 Awesome Oscillator Sell
2 MACD Buy
3 RSI Hold
4 Stoch RSI Sell

Industrial Bank of Korea Price Chart

Financial Statements

Financial statements are like report cards for companies. They show how much money a company makes (income statement), what it owns and owes (balance sheet), and where it spends its money (cash flow statement), helping stock investors understand if a company is healthy and worth investing in.

Income Statements

An income statement for a company is like a scoreboard for its profits and losses. It shows how much money the company made (revenue) and how much it spent to make that money (expenses), helping stock investors see if a company is making a profit or not.

Revenue in stock investing is the total amount of money a company earns from its sales, and it's a key factor that investors consider to assess a company's financial performance and growth potential.

Industrial Bank of Korea Revenue
Year Revenue Growth
2007 3.319.724.000.000
2008 2.900.379.000.000 -14.46%
2009 2.839.779.000.000 -2.13%
2010 3.977.116.000.000 28.6%
2011 4.149.641.000.000 4.16%
2012 4.110.349.000.000 -0.96%
2013 3.784.847.000.000 -8.6%
2014 4.047.156.000.000 6.48%
2015 4.288.899.000.000 5.64%
2016 4.432.756.000.000 3.25%
2017 4.896.983.000.000 9.48%
2018 5.518.155.000.000 11.26%
2019 7.131.221.000.000 22.62%
2020 7.246.634.000.000 1.59%
2021 7.915.817.000.000 8.45%
2022 9.188.512.000.000 13.85%
2023 0 0%
2023 20.115.295.000.000 100%
2024 20.576.824.000.000 2.24%

Research and Development Expenses are the costs a company incurs to create and improve its products or services, which can be important for investors to evaluate a company's innovation and potential for future growth.

Industrial Bank of Korea Research and Development Expenses
Year Research and Development Expenses Growth
2007 0
2008 0 0%
2009 0 0%
2010 0 0%
2011 0 0%
2012 0 0%
2013 0 0%
2014 0 0%
2015 0 0%
2016 0 0%
2017 0 0%
2018 0 0%
2019 0 0%
2020 0 0%
2021 0 0%
2022 0 0%
2023 0 0%
2023 0 0%
2024 0 0%

General and Administrative Expenses are the costs a company incurs to run its day-to-day operations, such as office rent, salaries, and utilities, which investors consider to understand a company's overall efficiency and management effectiveness.

Industrial Bank of Korea General and Administrative Expenses
Year General and Administrative Expenses Growth
2007 82.950.000.000
2008 94.206.000.000 11.95%
2009 87.453.000.000 -7.72%
2010 92.332.000.000 5.28%
2011 100.938.000.000 8.53%
2012 99.727.000.000 -1.21%
2013 99.264.000.000 -0.47%
2014 103.027.000.000 3.65%
2015 104.586.000.000 1.49%
2016 108.650.000.000 3.74%
2017 109.962.000.000 1.19%
2018 0 0%
2019 0 0%
2020 0 0%
2021 0 0%
2022 0 0%
2023 0 0%
2023 0 0%
2024 0 0%

EBITDA stands for Earnings Before Interest, Taxes, Depreciation, and Amortization. It is a measure that helps stock investors analyze a company's profitability by looking at its earnings without considering certain expenses. This helps to get a clearer picture of the company's financial performance and its ability to generate cash flow.

Industrial Bank of Korea EBITDA
Year EBITDA Growth
2007 5.914.182.000.000
2008 6.508.185.000.000 9.13%
2009 5.771.393.000.000 -12.77%
2010 6.227.250.000.000 7.32%
2011 6.754.768.000.000 7.81%
2012 6.690.563.000.000 -0.96%
2013 5.761.979.000.000 -16.12%
2014 5.615.315.000.000 -2.61%
2015 5.018.882.000.000 -11.88%
2016 4.595.984.000.000 -9.2%
2017 4.937.834.000.000 6.92%
2018 5.960.382.000.000 17.16%
2019 2.507.701.000.000 -137.68%
2020 2.349.362.000.000 -6.74%
2021 3.569.674.000.000 34.19%
2022 8.921.562.000.000 59.99%
2023 3.942.660.000.000 -126.28%
2023 402.743.000.000 -878.95%
2024 159.488.000.000 -152.52%

Gross profit is the money a company makes from selling its products or services after subtracting the cost of producing or providing them, and it is an important measure for investors to understand a company's profitability.

Industrial Bank of Korea Gross Profit
Year Gross Profit Growth
2007 3.319.724.000.000
2008 2.900.379.000.000 -14.46%
2009 2.839.779.000.000 -2.13%
2010 3.977.116.000.000 28.6%
2011 4.149.641.000.000 4.16%
2012 4.110.349.000.000 -0.96%
2013 3.784.847.000.000 -8.6%
2014 4.047.156.000.000 6.48%
2015 4.288.899.000.000 5.64%
2016 4.432.756.000.000 3.25%
2017 4.896.983.000.000 9.48%
2018 5.518.155.000.000 11.26%
2019 7.131.221.000.000 22.62%
2020 7.246.634.000.000 1.59%
2021 7.915.817.000.000 8.45%
2022 9.188.512.000.000 13.85%
2023 0 0%
2023 31.052.800.974.000 100%
2024 33.609.264.000.000 7.61%

Net income in stock investing is like the money a company actually gets to keep as profit after paying all its bills, and it's an important measure to understand how well a company is doing financially.

Industrial Bank of Korea Net Profit
Year Net Profit Growth
2007 1.177.680.000.000
2008 764.430.000.000 -54.06%
2009 726.623.000.000 -5.2%
2010 1.308.986.000.000 44.49%
2011 1.440.110.000.000 9.11%
2012 1.167.091.000.000 -23.39%
2013 854.209.000.000 -36.63%
2014 1.032.005.000.000 17.23%
2015 1.150.568.000.000 10.3%
2016 1.164.601.000.000 1.2%
2017 1.501.454.000.000 22.44%
2018 1.754.243.000.000 14.41%
2019 1.605.847.000.000 -9.24%
2020 1.535.705.000.000 -4.57%
2021 2.412.459.000.000 36.34%
2022 2.667.696.000.000 9.57%
2023 2.914.356.000.000 8.46%
2023 2.669.685.000.000 -9.16%
2024 2.432.612.000.000 -9.75%

EPS, or earnings per share, is a measure that shows how much profit a company has earned for each outstanding share of its stock, and it is important for stock investors as it helps understand the profitability of a company and compare it with other companies in the market.

Industrial Bank of Korea Earning per Share (EPS)
Year Earning per Share (EPS) Growth
2007 2.549
2008 1.545 -64.98%
2009 1.137 -35.88%
2010 2.005 43.29%
2011 2.206 9.11%
2012 1.788 -23.38%
2013 1.266 -41.23%
2014 1.539 17.74%
2015 1.672 7.95%
2016 1.647 -1.52%
2017 2.178 24.38%
2018 2.531 13.95%
2019 2.242 -12.89%
2020 1.977 -13.4%
2021 2.877 31.28%
2022 3.180 9.5%
2023 3.655 13%
2023 3.162 -15.56%
2024 2.839 -11.38%

Cashflow Statements

Cashflow statements show the movement of money in and out of a company, helping stock investors understand how much money a company makes and spends. By examining cashflow statements, investors can assess if a company is generating enough cash to pay its bills, invest in growth, and provide returns to stockholders.

Free cash flow is the leftover cash that a company generates after covering its operating expenses and capital expenditures, which is important for stock investors as it shows how much money a company has available to invest in growth, pay dividends, or reduce debt.

Industrial Bank of Korea Free Cashflow
Year Free Cashflow Growth
2007 -12.459.159.000.000
2008 -16.759.530.000.000 25.66%
2009 -12.369.892.000.000 -35.49%
2010 -10.966.500.000.000 -12.8%
2011 -2.279.829.000.000 -381.02%
2012 7.423.155.000.000 130.71%
2013 -6.878.120.000.000 207.92%
2014 -3.526.983.000.000 -95.01%
2015 -6.061.211.000.000 41.81%
2016 -4.143.035.000.000 -46.3%
2017 3.153.843.000.000 231.36%
2018 -10.459.466.000.000 130.15%
2019 -11.461.239.000.000 8.74%
2020 -7.996.635.000.000 -43.33%
2021 -6.000.042.000.000 -33.28%
2022 -14.762.357.000.000 59.36%
2023 6.435.803.000.000 329.38%
2023 -10.092.440.000.000 163.77%
2024 -1.151.786.000.000 -776.24%

Operating cash flow represents the cash generated or consumed by a company's day-to-day operations, excluding external investing or financing activities, and is crucial for stock investors as it shows how much cash a company is generating from its core business operations.

Industrial Bank of Korea Operating Cashflow
Year Operating Cashflow Growth
2007 -12.253.588.000.000
2008 -16.560.112.000.000 26.01%
2009 -12.224.149.000.000 -35.47%
2010 -10.697.685.000.000 -14.27%
2011 -2.217.596.000.000 -382.4%
2012 7.468.434.000.000 129.69%
2013 -6.755.969.000.000 210.55%
2014 -3.370.523.000.000 -100.44%
2015 -6.006.965.000.000 43.89%
2016 -4.098.109.000.000 -46.58%
2017 3.198.475.000.000 228.13%
2018 -10.396.886.000.000 130.76%
2019 -11.350.651.000.000 8.4%
2020 -7.938.221.000.000 -42.99%
2021 -5.945.947.000.000 -33.51%
2022 -14.698.442.000.000 59.55%
2023 6.738.204.000.000 318.14%
2023 -10.041.663.000.000 167.1%
2024 -1.073.882.000.000 -835.08%

Capex, short for capital expenditures, refers to the money a company spends on acquiring or upgrading tangible assets like buildings, equipment, or technology, which is important for stock investors as it indicates how much a company is investing in its infrastructure to support future growth and profitability.

Industrial Bank of Korea Capital Expenditure
Year Capital Expenditure Growth
2007 205.571.000.000
2008 199.418.000.000 -3.09%
2009 145.743.000.000 -36.83%
2010 268.815.000.000 45.78%
2011 62.233.000.000 -331.95%
2012 45.279.000.000 -37.44%
2013 122.151.000.000 62.93%
2014 156.460.000.000 21.93%
2015 54.246.000.000 -188.43%
2016 44.926.000.000 -20.75%
2017 44.632.000.000 -0.66%
2018 62.580.000.000 28.68%
2019 110.588.000.000 43.41%
2020 58.414.000.000 -89.32%
2021 54.095.000.000 -7.98%
2022 63.915.000.000 15.36%
2023 302.401.000.000 78.86%
2023 50.777.000.000 -495.55%
2024 77.904.000.000 34.82%

Balance Sheet

Balance sheets provide a snapshot of a company's financial health and its assets (such as cash, inventory, and property) and liabilities (like debts and obligations) at a specific point in time. For stock investors, balance sheets help assess the company's overall worth and evaluate its ability to meet financial obligations and support future growth.

Equity refers to the ownership interest or stake that shareholders have in a company, representing their claim on its assets and earnings after all debts and liabilities are paid.

Industrial Bank of Korea Equity
Year Equity Growth
2007 6.862.699.000.000
2008 7.705.307.000.000 10.94%
2009 9.484.948.000.000 18.76%
2010 10.776.384.000.000 11.98%
2011 13.202.132.000.000 18.37%
2012 13.917.570.000.000 5.14%
2013 14.429.058.000.000 3.54%
2014 15.646.259.000.000 7.78%
2015 17.293.790.000.000 9.53%
2016 18.047.408.000.000 4.18%
2017 19.801.738.000.000 8.86%
2018 21.094.176.000.000 6.13%
2019 22.776.647.000.000 7.39%
2020 25.142.349.000.000 9.41%
2021 27.533.849.000.000 8.69%
2022 29.110.563.000.000 5.42%
2023 31.099.676.000.000 6.4%
2023 27.683.304.000.000 -12.34%
2024 28.300.014.000.000 2.18%

Assets represent the valuable resources that a company owns, such as cash, inventory, property, and equipment, and understanding a company's assets helps investors assess its value and potential for generating future profits.

Industrial Bank of Korea Assets
Year Assets Growth
2007 122.223.778.000.000
2008 144.428.039.000.000 15.37%
2009 154.510.265.000.000 6.53%
2010 170.495.545.000.000 9.38%
2011 185.976.134.000.000 8.32%
2012 197.743.593.000.000 5.95%
2013 212.582.797.000.000 6.98%
2014 219.760.786.000.000 3.27%
2015 239.842.781.000.000 8.37%
2016 256.851.380.000.000 6.62%
2017 274.069.731.000.000 6.28%
2018 289.509.449.000.000 5.33%
2019 318.111.038.000.000 8.99%
2020 361.616.177.000.000 12.03%
2021 398.071.914.000.000 9.16%
2022 431.979.690.000.000 7.85%
2023 439.981.449.000.000 1.82%
2023 448.427.279.000.000 1.88%
2024 461.913.974.000.000 2.92%

Liabilities refer to the financial obligations or debts that a company owes to creditors or external parties, and understanding a company's liabilities is important for investors as it helps assess the company's financial risk and ability to meet its obligations.

Industrial Bank of Korea Liabilities
Year Liabilities Growth
2007 115.361.079.000.000
2008 136.722.732.000.000 15.62%
2009 145.025.317.000.000 5.72%
2010 159.719.161.000.000 9.2%
2011 172.774.002.000.000 7.56%
2012 183.826.023.000.000 6.01%
2013 198.153.739.000.000 7.23%
2014 204.114.527.000.000 2.92%
2015 222.548.991.000.000 8.28%
2016 238.803.972.000.000 6.81%
2017 254.267.993.000.000 6.08%
2018 268.415.273.000.000 5.27%
2019 155.749.248.000.000 -72.34%
2020 170.609.608.000.000 8.71%
2021 187.911.171.000.000 9.21%
2022 402.869.127.000.000 53.36%
2023 0 0%
2023 420.743.975.000.000 100%
2024 433.613.960.000.000 2.97%

Industrial Bank of Korea Financial Ratio (TTM)

Valuation Metrics

Revenue per Share
26571.77
Net Income per Share
3353.94
Price to Earning Ratio
4.21x
Price To Sales Ratio
0.53x
POCF Ratio
-2.87
PFCF Ratio
-2.69
Price to Book Ratio
0.4
EV to Sales
11.8
EV Over EBITDA
208.25
EV to Operating CashFlow
-63.61
EV to FreeCashFlow
-59.8
Earnings Yield
0.24
FreeCashFlow Yield
-0.37
Market Cap
11.267,63 Bil.
Enterprise Value
250.105,95 Bil.
Graham Number
51600.48
Graham NetNet
-547114.48

Income Statement Metrics

Net Income per Share
3353.94
Income Quality
-1.51
ROE
0.09
Return On Assets
0.01
Return On Capital Employed
0.12
Net Income per EBT
0.77
EBT Per Ebit
0.1
Ebit per Revenue
1.69
Effective Tax Rate
0.24

Margins

Sales, General, & Administrative to Revenue
0
Research & Developement to Revenue
0
Stock Based Compensation to Revenue
0
Gross Profit Margin
1.73
Operating Profit Margin
1.69
Pretax Profit Margin
0.16
Net Profit Margin
0.13

Dividends

Dividend Yield
0.07
Dividend Yield %
6.96
Payout Ratio
0.32
Dividend Per Share
984

Operating Metrics

Operating Cashflow per Share
-4930.32
Free CashFlow per Share
-5245.15
Capex to Operating CashFlow
-0.06
Capex to Revenue
0.01
Capex to Depreciation
0.86
Return on Invested Capital
0.1
Return on Tangible Assets
0.05
Days Sales Outstanding
0
Days Payables Outstanding
-222.92
Days of Inventory on Hand
0
Receivables Turnover
0
Payables Turnover
-1.64
Inventory Turnover
0
Capex per Share
314.83

Balance Sheet

Cash per Share
-3.347,46
Book Value per Share
35.489,20
Tangible Book Value per Share
-477410.69
Shareholders Equity per Share
35283.31
Interest Debt per Share
303022.8
Debt to Equity
8.39
Debt to Assets
0.51
Net Debt to EBITDA
198.87
Current Ratio
0.18
Tangible Asset Value
-380.699,69 Bil.
Net Current Asset Value
-402.709,67 Bil.
Invested Capital
2.70516114E+14
Working Capital
-140.774,73 Bil.
Intangibles to Total Assets
0.89
Average Receivables
1.358,23 Bil.
Average Payables
9.151,82 Bil.
Average Inventory
29666500000
Debt to Market Cap
20.96

Dividends

Dividends in stock investing are like rewards that companies give to their shareholders. They are a portion of the company's profits distributed to investors, typically in the form of cash payments, as a way for them to share in the company's success.

Industrial Bank of Korea Dividends
Year Dividends Growth
2001 1.000
2002 350 -185.71%
2003 200 -75%
2004 250 20%
2005 400 37.5%
2006 550 27.27%
2007 575 4.35%
2009 240 -139.58%
2010 410 41.46%
2011 580 29.31%
2012 400 -45%
2013 330 -21.21%
2014 430 23.26%
2015 450 4.44%
2016 480 6.25%
2017 617 22.2%
2018 690 10.58%
2019 670 -2.99%
2020 471 -42.25%
2021 780 39.62%
2022 960 18.75%
2024 984 2.44%

Industrial Bank of Korea Profile

About Industrial Bank of Korea

Industrial Bank of Korea operates as a small and medium-sized enterprise (SME) financing bank in China, Indonesia, Russia, Japan, Vietnam, Myanmar, Hong Kong, India, the Philippines, Cambodia, the United States, and the United Kingdom. It operates through five segments: Retail Banking, Corporate Banking, Money Market, IB, and Others. The company offers current accounts, savings, deposits, retail and mortgage loans, overdrafts, other credit facilities, and services relating to import/exports; and advisory services, including consulting on the introduction and implementation of computer systems. It is also involved in the treasury management of local/foreign currency and investments; installment financing and venture capital business; investment trust asset management and consultation, entrusted investment, and future funds management; loan collection and credit research; trading of security and futures; information system development and sales; retirement insurance and pension contracts, annuity insurance contracts, and others; protecting depositors in accordance with depositor protection act; management of investment association under the commercial code of the Republic of Korea; and management and capital distribution of new technology investment association and Korean venture investment association. As of December 31, 2021, the company operated 603 branches and 32 depositary offices in Korea, and 9 branches and 1 office internationally. The company was founded in 1961 and is headquartered in Seoul, South Korea.

CEO
Mr. Sung-tae Kim
Employee
9.858
Address
79, Ulchiro
Seoul, 100-758

Industrial Bank of Korea Executives & BODs

Industrial Bank of Korea Executives & BODs
# Name Age
1 Kwang jin Choi
Executive Vice President and Head of Corporate & Investment Banking Group
70
2 Moon-Taek Lim
Executive Vice President of Busan·Ulsan·Kyungnam Group & Head of Corporate Banking Group
70
3 Yong dae Kwon
Executive Vice President of Loan Management Group & Head of Credit Management Group
70
4 Jang-sub Lee
Chief Compliance Officer
70
5 Mr. Sung-tae Kim
Chief Executive Officer, President & Chairman
70
6 Bong-Kyu Park
Executive Vice President of Management Support Group
70
7 Kwon-ik Hyun
Executive Vice President of Chungcheong·Honam Group & Head of IT Group
70
8 Mr. Dae Lee
Contact Person
70
9 In-Tae Kim
Executive Vice President & Head of Innovative Financing Group
70
10 Hyung-il Kim
Deputy Chief Executive Officer & Executive Director
70

Industrial Bank of Korea Competitors