카카오뱅크

323410KOSPI은행 및 저축기관

55.0 / 100

Reference Date: 2026-04-13

Financial Score20.0 / 40

News Sentiment13.0 / 25

Momentum10.0 / 20

Disclosure12.0 / 15

AI Analysis: the debt ratio is low with sound financial health but PBR raises overvaluation concerns. Rose 5.9% over the past month, and news sentiment is positive.

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

25.05Industry Average 22.853.0Point

Higher than industry avg (caution)

PBR

1.78Industry Average 0.931.0Point

1.9x industry avg (risky)

ROE

7.23Industry Average 6.324.0Point

In line with industry avg

Debt Ratio

1032.02Industry Average 1198.784.0Point

In line with industry avg

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

88 totalPositive 11Neutral 69Negative 3Average Sentiment Score 52.2

Detailed Momentum

52-week position3.0Point

52w lower range (28%)

Current 25,250Won52-week high 37,00052-week low 20,650

1-month return4.0Point

1m +5.87% (slight rise)

Volume trend3.0Point

Volume flat

Detailed Disclosure

11 totalPositive 1Neutral 10Negative 0

Neutral기업설명회(IR)개최(안내공시)2026-04-07
Neutral기업설명회(IR)개최(안내공시)2026-04-07
Neutral결산실적공시예고(안내공시)2026-04-07
Neutral기업설명회(IR)개최(안내공시)2026-04-07
Neutral임원ㆍ주요주주특정증권등소유상황보고서2026-04-01