AI주식인사이트AI Stock Insight
C

카카오뱅크

323410KOSPI

43.5 / 100

Reference Date: 2026-10-23

Financial Score16.0 / 40
News Sentiment12.5 / 25
Momentum5.0 / 20
Disclosure10.0 / 15
AI Analysis: the high debt ratio poses financial risk. Slightly down 4.5% over the past month, with no recent news.

Company InformationBased on 2025 Annual Report

Business Overview

KakaoBank is an internet-only bank established in 2017, offering mobile-first financial services with innovative UX and customer-centric products. It has achieved 20.39 million monthly active users (MAU) and 683 trillion won in deposits, while advancing its AI-driven financial platform with services like AI-based SMS fraud detection and conversational search. Recognized for its innovation and technological capabilities by financial regulators and media, KakaoBank continues to lead in the fintech sector.

Number of Employees

1,806people

Average Salary

125.0M KRW

Score Calculation Basis

Detailed Financial Score

PER
19.84Industry Average 15.003.0Point

Higher than industry avg (caution)

PBR
1.41Industry Average 1.202.5Point

Higher than industry avg (caution)

ROE
7.23Industry Average 8.002.5Point

Below industry avg

Debt Ratio
1032.02Industry Average 100.000.0Point

10.3x industry avg (risky)

Trend 2023~20258.0 / 10 points
Revenue Growth Rate
2.5 / 3

Avg ▲11.4% (2-year basis)

Operating Profit Growth Rate
2.5 / 3

Avg ▲16.9% (2-year basis)

ROE Trend
3.0 / 4

Avg ROE 6.7% (improving, 3yr)

Detailed News Sentiment

0 totalPositive 0Neutral 0Negative 0

Detailed Momentum

52-week position1.0Point

Near 52w low (3%, downtrend)

Current 20,000Won52-week high 28,70052-week low 19,730
1-month return2.0Point

1m -4.53% (slight drop)

Volume trend2.0Point

Volume decreasing

Detailed Disclosure

3 totalPositive 0Neutral 3Negative 0
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