리파인

377450KOSDAQ

46.5 / 100

Reference Date: 2026-10-23

Financial Score19.0 / 40

News Sentiment12.5 / 25

Momentum8.0 / 20

Disclosure7.0 / 15

AI Analysis: the debt ratio is very low with excellent financial health but Operating Profit is on a declining trend. Declined 7.6% over the past month, with no recent news.

Company InformationBased on 2025 Annual Report

Business Overview

Refin is a specialized company that supports financial institutions in risk management processes for loans and guarantees through RPA-based rights investigation services. Its main services include monthly rent guarantee loans, collateral loans, and full deposit guarantee services, with monthly rent guarantee loans accounting for approximately 90% of total revenue.

Number of Employees

249people

Average Salary

52.9M KRW

Score Calculation Basis

Detailed Financial Score

PER

24.60Industry Average 15.001.5Point

1.6x industry avg (risky)

PBR

1.08Industry Average 1.204.0Point

In line with industry avg

ROE

4.61Industry Average 8.002.5Point

Below industry avg

Debt Ratio

0.35Industry Average 100.008.0Point

Half of industry avg (excellent)

Trend 2023~20253.0 / 10 points

Revenue Growth Rate

0.5 / 3

Avg ▼3.6% (2-year basis)

Operating Profit Growth Rate

0.0 / 3

Avg ▼8.4% (2-year basis)

ROE Trend

2.5 / 4

Avg ROE 10.6% (declining, 3yr)

Detailed News Sentiment

0 totalPositive 0Neutral 0Negative 0

Detailed Momentum

52-week position6.0Point

52w upper range (62%)

Current 13,950Won52-week high 17,20052-week low 8,610

1-month return1.0Point

1m -7.62% (falling)

Volume trend1.0Point

Volume dry-up

Detailed Disclosure

3 totalPositive 0Neutral 2Negative 1

Negative불성실공시법인미지정 (공시불이행)2026-10-19
Neutral주주명부폐쇄기간또는기준일설정2026-10-02
Neutral주주총회소집결의 (임시주주총회)2026-10-02