한국캐피탈

023760KOSDAQ기타 금융업

60.0 / 100

Reference Date: 2026-06-10

Financial Score29.5 / 40

News Sentiment16.5 / 25

Momentum4.0 / 20

Disclosure10.0 / 15

AI Analysis: PER is significantly undervalued vs. peers but the high debt ratio poses financial risk. Plunged 24.4% over the past month, and news sentiment is positive.

Company InformationBased on 2025 Annual Report

Business Overview

Korea Capital operates in three main sectors: leasing, installment financing, and new technology business financing. Leasing has expanded due to growth in service industries like healthcare and construction, though competition in the automotive financing market is intensifying. Installment financing, primarily focused on automobiles, faces declining profitability due to increased competition from banks and other financial institutions.

Number of Employees

285people

Average Salary

90.6M KRW

Score Calculation Basis

Detailed Financial Score

PER

2.27Industry Average 9.688.0Point

Half of industry avg (excellent)

PBR

0.30Industry Average 0.465.5Point

Lower than industry avg (good)

ROE

14.08Industry Average 5.417.0Point

2.6x industry avg (excellent)

Debt Ratio

583.67Industry Average 16.690.0Point

35.0x industry avg (risky)

Trend 2023~20259.0 / 10 points

Revenue Growth Rate

2.5 / 3

Avg ▲15.5% (2-year basis)

Operating Profit Growth Rate

3.0 / 3

Avg ▲25.0% (2-year basis)

ROE Trend

3.5 / 4

Avg ROE 13.0% (improving, 3yr)

Detailed News Sentiment

6 totalPositive 3Neutral 3Negative 0Average Sentiment Score 65.8

Neutral
네이버페이, 카카오뱅크와 사업자대출 비교 협업…제휴 확대
네이버페이와 카카오뱅크의 사업자대출 비교 서비스 협업은 관련 산업 내 협력 강화를 보여주나, 한국캐피탈의 직접적인 영향은 제한적입니다.
Neutral
“상가 매물 보고 대출 조회” 네이버페이 대출비교에 카카오뱅크 입.....
네이버페이와 카카오뱅크의 협력으로 개인사업자 대출 상품 접근성이 향상되었으나, 한국캐피탈의 직접적인 영향은 제한적이다.
Neutral
“자기자본 충분해야 PF대출 가능”…여신협회, 모범규준 개정
여신금융협회가 내년부터 PF대출을 위한 자기자본 요건 강화를 발표했으나, 직접적인 영향은 제한적일 것으로 보임.

Detailed Momentum

52-week position1.0Point

Near 52w low (3%, downtrend)

Current 723Won52-week high 1,17652-week low 705

1-month return0.0Point

1m -24.45% (strong drop)

Volume trend3.0Point

Volume flat

Detailed Disclosure

11 totalPositive 0Neutral 11Negative 0

Neutral증권발행실적보고서2026-05-27
Neutral투자설명서(일괄신고)2026-05-26
Neutral일괄신고추가서류2026-05-26
Neutral주주총회소집결의 (임시주주총회)2026-05-22
Neutral주주명부폐쇄기간또는기준일설정2026-05-22