카카오뱅크

323410KOSPI은행 및 저축기관

58.7 / 100

Reference Date: 2026-07-24

Financial Score19.0 / 40

News Sentiment16.7 / 25

Momentum13.0 / 20

Disclosure10.0 / 15

AI Analysis: the debt ratio is low with sound financial health but PBR raises overvaluation concerns. Rose 10.2% 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

21.92Industry Average 20.783.0Point

Higher than industry avg (caution)

PBR

1.56Industry Average 0.530.0Point

2.9x industry avg (risky)

ROE

7.23Industry Average 6.334.0Point

In line with industry avg

Debt Ratio

1032.02Industry Average 1139.044.0Point

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

65 totalPositive 30Neutral 24Negative 11Average Sentiment Score 66.7

Positive
금리 오르자 다시 뜨는 ‘예테크’…4%대 예금상품 속속 등장
금리 인상으로 인해 카카오뱅크를 포함한 금융기관들이 높은 예금금리 상품을 출시하며 고객 유치에 유리한 환경 조성.
Negative
식지 않는 '빚투'… 가계대출 관리 사실상 실패
카카오뱅크의 상반기 기타대출 목표 초과로 인해 가계대출 증가 추세가 지속되며 금융 시장 불안이 예상된다.
Neutral
카카오엔터프라이즈 신임 대표에 이재한 사업부장
카카오엔터프라이즈의 새로운 대표이사 내정 소식은 기업 내부 인사 이동에 초점을 맞추고 있어 카카오뱅크 주식에 직접적인 영향은 제한적입니다.

Detailed Momentum

52-week position3.0Point

52w lower range (26%)

Current 22,100Won52-week high 28,75052-week low 19,750

1-month return5.0Point

1m +10.22% (rising)

Volume trend5.0Point

Volume increasing

Detailed Disclosure

6 totalPositive 0Neutral 6Negative 0

Neutral계열금융회사의약관에의한금융거래-[유가증권-채권]2026-07-14
Neutral기업설명회(IR)개최(안내공시)2026-07-02
Neutral결산실적공시예고(안내공시)2026-07-02
Neutral지속가능경영보고서등관련사항(자율공시)2026-06-29
Neutral기업설명회(IR)개최(안내공시)2026-06-26