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Hana Financial (086790) fair value: what the stock is really worth

We calculate from audited financials what Hana Financial is really worth. The fair value tells you whether the price is too high or too low, the quality score (0 to 100) how solid the business behind it is. 26 models, 37 quality factors, updated daily.

  1. Fair value above price? Yes
  2. Good quality? No
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Financial Services · KR · ISIN KR7086790003

HF Some data Sep 18, 2026

Hana Financial

086790 · KO

SpeculativeUpside exists, but weak quality makes the signal speculative.

✓Fair value 158,668 KRW · Undervalued (+17%)
!Quality 43/100
!Expensive Growth (revenue 5y +7.2 %/yr)
✓Highly profitable · 29.1% net margin (TTM)
!Moderate debt · negative free cash flow
·3.38% dividend yield
!Mixed vs. peers (5/10)
!Moderate moat 60/100
!Evidence only medium, so the estimate is less certain
!Weak on balance sheet: 27 out of 100
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What runs behind every stock

26 valuation models 8 families, DCF to NCAV 37 quality factors margins, balance sheet, cashflow, debt 6 AI factors moat, what no ratio measures 2,000+ data points verified, per stock, median

69 individual criteria per stock, every one traceable See the method →

Price vs Fair Value

140,800 KRW 26,507 KRW Fair Value 158,668 KRW Apr 2021 Sep 2026

White line = price, green steps = our fair value per fiscal year, dashed = 300-day average. As of Sep 18, 2026.

How to read this chart

60‑month range 26,507 KRW – 140,800 KRW · fair‑value band 144,439 KRW – 227,641 KRW · the 135,700 KRW price screens below the 158,668 KRW fair value. Green steps = our fair value per fiscal year (point-in-time, no hindsight). Dashed = 300-day average. As of Sep 18, 2026.

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Company profile

Hana Financial Group Inc., through its subsidiaries, provides financial services in South Korea, Hong Kong, Singapore, the United States, Japan, China, Indonesia, the United Kingdom, Canada, and internationally. It operates through five segments: Banking, Securities, Credit Card, Capital Financing, and Others.

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Hana Financial Group Inc., through its subsidiaries, provides financial services in South Korea, Hong Kong, Singapore, the United States, Japan, China, Indonesia, the United Kingdom, Canada, and internationally. It operates through five segments: Banking, Securities, Credit Card, Capital Financing, and Others. The company engages in banking services; financial investments; credit card business; installment credit financing; real estate trust; system development service; mutual savings banking; life and non-life insurance; transfer agent; asset management; investment and management service for non-performing loan asset-backed securities; private placed fund; trust account; special purpose vehicle; and trust and collective investment. It is also involved in seafood processing; payment processing; technology financial; asset securitization; other financial; real estate; and elderly care and welfare facilities businesses. The company was founded in 1971 and is headquartered in Seoul, South Korea.

Stock analysis

Hana Financial (086790) currently trades at 135,700 KRW, while our model-based Fair Value estimate is 158,668 KRW, implying the stock looks roughly 14.5% undervalued today.

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Valuation

Bull case: the Multiples group reads highest at a median of 193,969 KRW per share, and 3 of the 6 models we run sit above the 135,700 KRW price.

Bear case: the Dividend Discount group reads lowest at 82,919 KRW, and 3 of the 6 models stay below the price. Evidence for this calculation is medium.

Scenario range: 144,439 KRW (bear) to 227,641 KRW (bull), the price of 135,700 KRW sits below it. Bear and bull are the same models on cautious and optimistic assumptions, a range, not a price target.

Quality & growth

The Quality Score stands at 43/100 (below-average quality), in the Financial Services sector.

Expensive Growth: The company is growing, but growth may require heavy reinvestment or weak cash conversion.

Hana Financial reported revenue of 14.4T KRW in FY2025 versus 10.9T KRW in FY2021, a compound +7.3%/yr. Reported net income was 4.0T KRW in FY2025, compounding +3.2%/yr from FY2021.

Key figures

Market cap 37.2T KRW (≈ $26.0B) · P/S ratio 2.61 · Dividend yield 3.4% · Net margin 27.8% · Return on equity 9.1% · Return on assets (EBIT) 0.9% · Operating margin 64.5% · Revenue (TTM) 14.0T KRW.

Competitive moat

Our AI-assisted moat analysis scores the competitive advantage at 42 out of 100 (medium confidence).

What moves the price

The share trades near its 52-week high and 91% above its 52-week low, currently above its 200-day average.

For context, the median of 10 Financial Services peers we cover trades at −31% fair-value upside, at 17%, 086790 screens cheaper than that median.

Fair Value models

Bear 144,439 KRW Fair Value 158,668 KRW Bull 227,641 KRW
Model ⓘEach model values the company its own way (discounted cash flow, earnings, assets, dividends). The fair value above is their evidence-weighted blend, not the output of a single model. Bear ⓘBear = the cautious scenario: the same model computed with conservative anchors (lower growth, margins and valuation multiples). Together with Bull it frames a plausible valuation range, not a price target.BaseBull ⓘBull = the optimistic scenario: the same model computed with favourable anchors (higher growth, margins and valuation multiples). Together with Bear it frames a plausible valuation range, not a price target. Evidence ⓘEvidence = how well-backed THIS model's estimate is for this stock (0–100): how complete and reliable its input data are, and how well the model fits the company. The final Fair Value is an evidence-weighted blend, so better-evidenced models count more. Green ≥70, amber 50–69, grey below 50.
Highest evidence
Residual Income 144,533 KRW 158,813 KRW 228,585 KRW 76
DDM Multi-Stage 50,935 KRW 82,919 KRW 115,888 KRW 66
Gordon GGM 50,935 KRW 111,200 KRW 187,098 KRW 65
All 6 models by family
Dividend Discount
Gordon GGM 50,935 KRW 111,200 KRW 187,098 KRW 65
DDM Multi-Stage 50,935 KRW 82,919 KRW 115,888 KRW 66
Multiples
P/E Multiple 145,477 KRW 193,969 KRW 242,461 KRW 63
P/B Multiple 174,480 KRW 232,640 KRW 290,800 KRW 55
Asset-Based
NCAV (Graham) 83,086 KRW 111,335 KRW 166,171 KRW 54
Economic Profit
Residual Income 144,533 KRW 158,813 KRW 228,585 KRW 76

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Quality Score breakdown

Overall quality 43/100

Of which business quality 38 · Market factors (momentum, volatility) 76

Profitability 33
Margins and returns on capital today
Quality Growth 52
Are margins and returns improving?
Cashflow 0
Earnings quality: real cash, not paper profit
Fin. Strength 21
Balance sheet, leverage, solvency risk
Investment 57
Disciplined investing over empire-building
Low Volatility 64
Calm price path (market factor)
Momentum 74
Price trend over the last 3–12 months (market factor)
52W Momentum 95
Distance to the 52-week high (market factor)
Net Issuance 100
Share count: buybacks or dilution?

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Revenue & earnings trend

Growth Quality ⓘGrowth is valuable only when reinvestment earns attractive returns (Aswath Damodaran): sustainable growth depends on return on capital, reinvestment and efficiency. Basis: total company revenue over the periods shown on the cards (3Y/5Y/all years), not per share, so a merger can show up as a growth jump; per-share earnings growth is in the value-creation card. 47/100
The company is growing, but growth may require heavy reinvestment or weak cash conversion.
Revenue growth 1 year
+7.5%
Revenue growth 3 years ⓘMeasures the company's TOTAL revenue from reported annual statements: compound average growth per year (CAGR) from the fiscal year 3, 5 or N years back to the most recent comparable fiscal year. Not per share: buybacks do not change this number, and a merger can appear as a growth jump. Per-share growth (which does include buybacks) is in the value-creation card.
+5.9%
Revenue growth 5 years ⓘMeasures the company's TOTAL revenue from reported annual statements: compound average growth per year (CAGR) from the fiscal year 3, 5 or N years back to the most recent comparable fiscal year. Not per share: buybacks do not change this number, and a merger can appear as a growth jump. Per-share growth (which does include buybacks) is in the value-creation card.
+7.2%
Revenue growth 20 years ⓘMeasures the company's TOTAL revenue from reported annual statements: compound average growth per year (CAGR) from the fiscal year 3, 5 or N years back to the most recent comparable fiscal year. Not per share: buybacks do not change this number, and a merger can appear as a growth jump. Per-share growth (which does include buybacks) is in the value-creation card.
+11.5%
What shareholders gained per year (last 5 years), in KRW ⓘWhat the business itself delivers per year: earnings growth per share plus the dividend yield. This is what you get IF the market keeps valuing the stock the same way: it contains no assumption about the market changing its mind. Computed per share, so buybacks count and a merger does not pass as growth. For a company that pays no dividend it is pure earnings growth per share. Period: earnings growth per share as CAGR over the last 5 reported fiscal years (annual statements), plus the current dividend yield. The start value is the median of the three years around the start, so a single crisis year (a pandemic or a write-down) does not distort the rate. Measured in KRW: this currency has depreciated against the euro and dollar over the long run, so part of the nominal rate is currency erosion that never reaches a EUR/USD investor.
+13.5%
Earnings growth per share plus dividend.
Earnings per share, growth per year+10.1%
Dividend (yield on the price)3.4%
Profit margin 2014 to 2019 ⓘOperating margin then vs now, from reported annual statements. A falling margin after a boom year is the classic peak-earnings signal: the growth rate then leans on an inflated base.54% → 40%

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Peer GroupⓘHow this stock ranks against its industry: the green marker is this stock, the band is the typical 25–75% peer range, and the tick is the median.Banks - Regional · 1073 stocks

Beats the industry median on 5/10 measures
A mixed picture versus its industry peers.
Valuation
Quality Score 45 · Bottom 25%
Fair Value upside +57% · Top 25%
Profitability
Return on equity (TTM) 9% · Below median
Return on assets 1% · Below median
Net margin (TTM) 29% · Above median
Operating margin (TTM) 65% · Top 25%
Growth and dividend
Revenue growth 26% · Top 25%
Dividend yield (TTM) 3.4% · Above median
Balance sheet
Debt / equity 1.45× · Highest 25%

Valuation Multiplesvs Banks - Regional median · lower = cheaper

PEG 1.58× · Pricier than median

Strength profile in five axes (Snowflake)

VALUEFUTUREPASTHEALTHDIVIDEND
This stock
VALUEFUTUREPASTHEALTHDIVIDEND
Sector peers
VALUE (fair-value potential)56 · sector 11
FUTURE (revenue growth)100 · sector 44
PAST (return on equity)36 · sector 41
HEALTH (low debt)27 · sector 85
DIVIDEND (yield)68 · sector 53

Context: sector, industry, market

Values & ESG

Does this company touch areas you may want to avoid? The classification is inferred from sector and industry.

None of the checked exposures detected

Similar stocks

10 more Banks - Regional stocks, each showing price versus our Fair Value estimate.

Stock Price Fair Value vs Fair Value
DBS Group DBS19 20.20 THB 6.69 THB −67%
China Merchants Bank Co 3968 HK$51.35 HK$78.59 +53%
Intesa Sanpaolo S.p.A ISP €6.74 €4.04 −40%
HDFC Bank Limited HDB $23.34 $15.75 −33%
BNP Paribas SA BNP €102.32 €105.99 +4%
UniCredit S.p.A UCG €82.92 €77.62 −6%
Mizuho Financial Group MFG $11.15 $9.67 −13%
ICICI Bank Limited ICICIBANK ₹1,359 ₹636.31 −53%
The PNC Financial Services Group PNC $231.49 $159.52 −31%
Oversea-Chinese Banking Corporation O39 31.28 SGD 19.80 SGD −37%

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Hana Financial · Fair Value
158,668 KRW +14%Fair Value
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Cite: Fair Value Calculator (2026). "Hana Financial Fair Value". https://www.fairvalue-calculator.com/stock/086790

Frequently asked questions

Is Hana Financial (086790) overvalued or undervalued?
As of Sep 18, 2026, our model estimates a fair value of 158,668 KRW versus a price of 135,700 KRW, about +17% upside (undervalued).
What is the fair value of 086790?
Our model-based fair value for Hana Financial is 158,668 KRW (as of Sep 18, 2026), built from audited fundamentals. The current price: 135,700 KRW.
What is the quality score of 086790?
Hana Financial has a Quality Score of 43/100. It measures business quality (profitability, growth, cash flow, balance-sheet strength, investment discipline, share issuance). Market factors such as price momentum and volatility do not enter the number; they are shown separately in the detail view.
What is the price target for Hana Financial (086790)?
Our model-based price target is the fair value of 158,668 KRW (as of Sep 18, 2026) from 6 valuation models. Cautious scenario 144,439 KRW, optimistic scenario 227,641 KRW. It is a calculation from audited fundamentals, not an analyst target.
What is the Hana Financial stock forecast for 2026?
Our models put fair value at 158,668 KRW, about +17% upside versus a price of 135,700 KRW (undervalued). Cautious scenario 144,439 KRW, optimistic scenario 227,641 KRW. The calculation is refreshed regularly with new filings.
What is the revenue of Hana Financial (086790)?
Hana Financial reported trailing-twelve-month revenue of about 12.6T KRW (latest available figure, as of Sep 18, 2026).
Does Hana Financial pay a dividend?
Hana Financial currently shows a dividend yield of about 3.38% relative to its recent price (as of Sep 18, 2026).
What is the intrinsic value of Hana Financial (086790)?
Intrinsic value and fair value mean the same thing: what the business is worth on its numbers, independent of the share price. For Hana Financial it is 158,668 KRW per share (as of Sep 18, 2026), against a price of 135,700 KRW. It is the blended result of 6 valuation models (cash flow, earnings, asset, dividend).
Is Hana Financial stock overvalued or undervalued in 2026?
As of Sep 18, 2026, 086790 trades below its calculated fair value: price 135,700 KRW, fair value 158,668 KRW, a gap of about +17% (undervalued). The calculation is refreshed with each new quarterly report, so the verdict can change during the year.
Is fair value the same as the market price of 086790?
No. The price is what the market pays today (135,700 KRW); the fair value is what the company's own numbers justify (158,668 KRW). For Hana Financial the two are 22,968 KRW per share apart. That gap is exactly why we show both numbers side by side.
How much is Hana Financial worth?
The market values Hana Financial at about 37.2T KRW (market capitalisation, as of Sep 18, 2026). Per share that is 135,700 KRW; our models calculate a fair value of 158,668 KRW per share.
What do the bullish and bearish scenarios say about 086790?
Our models span a range for Hana Financial: cautious scenario 144,439 KRW, base 158,668 KRW, optimistic 227,641 KRW per share (as of Sep 18, 2026, price 135,700 KRW). The range comes from different growth and margin assumptions, not from analyst opinions.
What is the PEG ratio of 086790?
The PEG ratio of Hana Financial is 1.58 (P/E divided by earnings growth, as of Sep 18, 2026). That is above 1, so the growth is already paid for in the price.
How solid is the balance sheet of Hana Financial (086790)?
Balance-sheet figures for Hana Financial (as of Sep 18, 2026): return on equity 9.1%, debt of 1.45 per unit of equity. They feed the Quality Score of 43/100, which measures business quality independently of the share price.
How far is 086790 from its 52-week high?
Hana Financial trades at 135,700 KRW, about 4% below its 52-week high of 131,075 KRW and 91% above the low of 71,089 KRW (as of Sep 18, 2026). Distance from the high says nothing about value: that is what the fair value of 158,668 KRW is for.
Which stocks are comparable to Hana Financial?
From the same area (Financial Services) we also value DBS Group, China Merchants Bank Co, Intesa Sanpaolo S.p.A, HDFC Bank Limited, among others. Each of them has its own fair-value calculation on this site using the same models, so the comparison is like for like.
Is Hana Financial stock attractive at the current price?
The data as of Sep 18, 2026: price 135,700 KRW, calculated fair value 158,668 KRW (+17%), Quality Score 43/100, from 6 models. Whether that fits your horizon and risk tolerance is your call. We provide the calculation, not investment advice.
How is the fair value of 086790 calculated?
We run Hana Financial through 6 models from four families: discounted cash flow, earnings models, asset and balance-sheet models, and dividend models. Every model gets the same audited fundamentals; the result is the weighted average of 158,668 KRW, with the spread shown as a cautious and an optimistic scenario.
Is it still worth investing in stocks now?
The global stock market currently sits 16.1 % above its aggregate fair value. Hana Financial currently trades 17 % below its own fair value, and the market average says nothing about that. An expensive market is no reason to stay out and no reason to buy everything at once: keep a broad savings plan running, buy single stocks only with money you can do without, and hold part of your money liquid while the market is high. The full picture including sectors is on is it worth investing now.
What is the share price of Hana Financial (086790)?
The closing price on Sep 21, 2026 was 135,700 KRW. Our model-based fair value is 158,668 KRW, about +17% upside (undervalued). We carry closing prices from our data provider, not a live tick.
What should I pay attention to with Hana Financial right now?
The price is below even our cautious bear case (144,439 KRW). The market is more pessimistic than our downside scenario. For a financial, book-value and earnings-based methods matter more than a cash-flow DCF, which fits banks and insurers poorly.

Key figures of Hana Financial

How large is the market capitalisation of Hana Financial (086790)?
The market capitalisation of Hana Financial is 37.2T KRW (≈ $26.0B). The stock-market value of the whole company: share price times number of shares. It is what the market asks for the entire business today.
What is the P/S ratio of Hana Financial (086790)?
The price-to-sales ratio of Hana Financial is 2.61 (last twelve months). Price to sales: market value relative to yearly revenue. Useful when profit is thin or distorted.
What is the dividend yield of Hana Financial (086790)?
The dividend yield of Hana Financial is 3.4%. Yearly dividend relative to the share price. 3% pays 3 per 100 invested. Below: how much of profit is used for it.
What is the net margin of Hana Financial (086790)?
The net margin of Hana Financial is 27.8% (fiscal year 2025). How much of every unit of revenue ends up as profit. 10% means 10 cents of profit per dollar of sales.
What is the return on equity of Hana Financial (086790)?
The return on equity (ROE) of Hana Financial is 9.1% (last twelve months). Profit relative to shareholders' equity, how efficiently the company works with its owners' money.
What is the EBIT return on assets of Hana Financial (086790)?
On an EBIT basis the return on assets of Hana Financial is 0.9% (avg 5y). Operating profit (EBIT) relative to everything the company owns, as a multi-year average. It describes the business model rather than one good or bad year.
What is the operating margin of Hana Financial (086790)?
The operating margin of Hana Financial is 64.5% (last twelve months). Profit from the core business (before interest and taxes) relative to revenue.
How fast is revenue growing at Hana Financial (086790)?
Revenue at Hana Financial is growing +25.7% versus a year earlier (3y avg +5.9%). How much revenue grew versus a year earlier (YoY). The 3-year average next to it puts the single year in context.
How fast are earnings growing at Hana Financial (086790)?
Earnings per share at Hana Financial are growing +11.4% versus a year earlier. How much earnings per share grew versus a year earlier.
How much free cash flow does Hana Financial (086790) generate?
The free cash flow of Hana Financial is −3.9T KRW (fiscal year 2025). The cash truly left after running and investing in the business, this is what pays dividends and buybacks.
How much net debt does Hana Financial (086790) carry?
The net debt of Hana Financial is 71.6T KRW (fiscal year 2025). Debt minus cash on hand. The note shows how many years of free cash flow could in theory pay it off.
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