C
리파인
377450KOSDAQ기타 정보 서비스업49.0 / 100
Reference Date: 2026-07-24
Financial Score14.5 / 40
News Sentiment12.5 / 25
Momentum12.0 / 20
Disclosure10.0 / 15
AI Analysis: the debt ratio is very low with excellent financial health but PER raises overvaluation concerns. Surged 32.4% 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
20.85Industry Average 10.220.0Point
2.0x industry avg (risky)
PBR
0.92Industry Average 0.782.5Point
Higher than industry avg (caution)
ROE
4.61Industry Average 10.681.0Point
Well below industry avg
Debt Ratio
0.35Industry Average 3.998.0Point
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 position3.0Point
52w lower range (32%)
Current 11,820Won52-week high 18,45052-week low 8,610
1-month return6.0Point
1m +32.36% (strong rise)
Volume trend3.0Point
Volume flat
Detailed Disclosure
0 totalPositive 0Neutral 0Negative 0