카카오뱅크

323410KOSPI

48.9 / 100

Reference Date: 2026-09-08

Financial Score16.0 / 40

News Sentiment16.9 / 25

Momentum9.0 / 20

Disclosure7.0 / 15

AI Analysis: the high debt ratio poses financial risk. Roughly flat over the past month, and news sentiment is neutral.

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

21.88Industry Average 15.003.0Point

Higher than industry avg (caution)

PBR

1.56Industry 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

60 totalPositive 29Neutral 16Negative 15Average Sentiment Score 67.5

Neutral
가계대출 총량 늘렸는데 '대출런' 여전…왜?
금융당국의 가계대출 총량 증가에도 불구하고, 특정 창구에 대한 대출 수요 집중 현상이 지속되고 있어 시장에 큰 영향은 미치지 않는 것으로 보입니다.
Positive
국민銀, 빗썸과 재계약…코인결제 1년 연장한다
국민은행의 빗썸과의 재계약 연장으로 카카오뱅크와 연계된 암호화폐 결제 서비스의 안정성이 강화되어 긍정적 영향 예상.
Positive
"7000명이 만드는 기부 레이스" 카카오뱅크, 여의도서 친환경 마라톤...
카카오뱅크의 친환경 기부 마라톤 참여로 사회적 책임 강화 및 브랜드 이미지 향상 기대.

Detailed Momentum

52-week position3.0Point

52w lower range (25%)

Current 22,050Won52-week high 28,70052-week low 19,750

1-month return3.0Point

1m 0.23% (flat)

Volume trend3.0Point

Volume flat

Detailed Disclosure

16 totalPositive 0Neutral 15Negative 1

Neutral대규모기업집단현황공시[분기별공시(개별회사용)]2026-08-31
Neutral기업설명회(IR)개최(안내공시)2026-08-18
Neutral임원ㆍ주요주주특정증권등소유상황보고서2026-08-14
Neutral임원ㆍ주요주주특정증권등소유상황보고서2026-08-14
Neutral임원ㆍ주요주주특정증권등소유상황보고서2026-08-14