Hana Financial (086790) fair value: what the stock is really worth
As of Nov 5, 2026: fair value (intrinsic value) of Hana Financial stock KRW 128,953, price KRW 120,800, upside +6.7%, quality 45 out of 100. Rating: fairly valued. Calculated from audited financials with 6 of our 26 valuation models and 37 quality factors, updated daily.
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Price vs Fair Value
White line = price, green steps = our fair value per fiscal year. As of Nov 3, 2026.
How to read this chart
60‑month range 26,277 KRW – 140,800 KRW · fair‑value band 96,715 KRW – 162,883 KRW · the 120,800 KRW price screens below the 128,953 KRW fair value. Green steps = our fair value per fiscal year (point-in-time, no hindsight). As of Nov 3, 2026.
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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.
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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 120,800 KRW, while our model-based Fair Value estimate is 128,953 KRW, so the stock looks roughly fairly valued today (gap 6.3%).
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Valuation
Bull case: the Economic Profit group reads highest at a median of 156,580 KRW per share, and 2 of the 6 models we run sit above the 120,800 KRW price.
Bear case: the Multiples group reads lowest at 63,088 KRW, and 4 of the 6 models stay below the price. Data coverage for this calculation is medium.
Scenario range: 96,715 KRW (bear) to 162,883 KRW (bull), the price of 120,800 KRW sits inside 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 45/100 (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 33.1T KRW (≈ $24.7B) Large · P/E ratio 8.1 · P/S ratio 2.53 · EPS (TTM) 15,076 KRW · Dividend yield 3.8% · Net margin 32.0% · Return on equity 9.0% · Return on assets (EBIT) 0.9%.
Competitive moat
Our AI-assisted moat analysis scores the competitive advantage at 60 out of 100 (medium confidence).
What moves the price
The share trades about 14% below its 52-week high and 44% above its 52-week low, currently above its 200-day average.
For context, the median of 10 Financial Services peers we cover trades at −35% fair-value upside, at 7%, 086790 screens cheaper than that median.
Fair Value models
Bear96,715 KRWFair Value 128,953 KRWBull162,883 KRW
Price 120,800 KRW · Upside +6.7%
Model ⓘEach model values the company its own way (discounted cash flow, earnings, assets, dividends). The fair value above starts from their evidence-weighted blend, not from a single model. In cyclical trough or peak years, after dilution or a stock split it is adjusted afterwards, so it can sit above or below the models. Based on fiscal year 2025 figures (about 10 months old). Earnings retained since then (8,909 KRW per share) are deliberately not added.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. If a model's bull case is above four times its base value, the table shows that limit with a > sign (like the overall Bull above): beyond it no assumption holds.Coverage ⓘCoverage = 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.
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%
Start year 2020 (pandemic). Over 10 years: +1.9% a year
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%
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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.
+13.9%
Earnings growth per share plus dividend.
Earnings per share, growth per year+10.1%
Dividend (yield on the price)3.8%
Pace: 5 vs 10 years ⓘTwo data points, not a trend model: earnings growth per share over the last 5 fiscal years against the last 10. Labelled "steady" when both rates are within 3 percentage points of each other, otherwise picking up or flattening. Shown only when ten years of history exist.10.1% vs 12.6%, steady
Price, fair value, quality and upside side by side.
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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 · 1002 stocks
Beats the industry median on 7/13 measures
A mixed picture versus its industry peers.
Valuation
Quality Score45 · Bottom 25%
Fair Value upside+6.7% · Above median
Profitability
Return on equity (12 months)9.0% · Below median
Return on assets0.6% · Bottom 25%
Net margin (12 months)32.0% · Above median
Operating margin (12 months)57.3% · Top 25%
Growth and dividend
Revenue growth (quarter YoY)8.4% · Below median
Dividend yield (12 months)3.8% · Above median
Balance sheet
Debt / equity1.45× · Highest 25%
Valuation Multiplesvs Banks - Regional median · lower = cheaper
For bloggers, editors and developers: paste this into your site or blog (a “Custom HTML” block in WordPress), it shows the current fair value and links back here. Free, plain HTML, and welcome. Full data streams (CSV/JSON) at /developers.
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 Nov 3, 2026, our model estimates a fair value of 128,953 KRW versus a price of 120,800 KRW, about +7% upside (fairly valued).
What is the fair value of 086790?
Our model-based fair value for Hana Financial is 128,953 KRW (as of Nov 3, 2026), built from audited fundamentals. The current price: 120,800 KRW.
What is the quality score of 086790?
Hana Financial has a Quality Score of 45/100. 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 128,953 KRW (as of Nov 3, 2026) from 6 valuation models. Cautious scenario 96,715 KRW, optimistic scenario 162,883 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 128,953 KRW, about +7% upside versus a price of 120,800 KRW (fairly valued). Cautious scenario 96,715 KRW, optimistic scenario 162,883 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 13.1T KRW (latest available figure, as of Nov 3, 2026).
Does Hana Financial pay a dividend?
Hana Financial currently shows a dividend yield of 3.80% relative to its recent price (as of Nov 3, 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 128,953 KRW per share (as of Nov 3, 2026), against a price of 120,800 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 Nov 3, 2026, 086790 trades below its calculated fair value: price 120,800 KRW, fair value 128,953 KRW, a gap of about +7% (fairly valued). 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 (120,800 KRW); the fair value is what the company's own numbers justify (128,953 KRW). For Hana Financial the two are 8,153 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 33.1T KRW (market capitalisation, as of Nov 3, 2026). Per share that is 120,800 KRW; our models calculate a fair value of 128,953 KRW per share.
What do the bullish and bearish scenarios say about 086790?
Our models span a range for Hana Financial: cautious scenario 96,715 KRW, base 128,953 KRW, optimistic 162,883 KRW per share (as of Nov 3, 2026, price 120,800 KRW). The range comes from different growth and margin assumptions, not from analyst opinions.
What is the P/E ratio of 086790?
Hana Financial trades at a price-to-earnings ratio of 8.1 (as of Nov 3, 2026). A P/E on its own says little: it compares the price with ONE year of profit, while our fair value of 128,953 KRW is built from several models across several years. Median P/E at fiscal year-end, 10 fiscal years (2016 to 2025), reported earnings: 4.4. Other multiples: PEG 1.6, P/B 0.7, P/S 2.5.
What is the PEG ratio of 086790?
The PEG ratio of Hana Financial is 1.58 (P/E divided by earnings growth, as of Nov 3, 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 Nov 3, 2026): return on equity 9.0%, debt of 1.45 per unit of equity. They feed the Quality Score of 45/100, which measures business quality independently of the share price.
How far is 086790 from its 52-week high?
Hana Financial trades at 120,800 KRW, about 14% below its 52-week high of 140,800 KRW and 44% above the low of 83,648 KRW (as of Nov 5, 2026). Distance from the high says nothing about value: that is what the fair value of 128,953 KRW is for.
Which stocks are comparable to Hana Financial?
From the same area (Financial Services) we also value China Merchants Bank Co, DBS Group, UniCredit S.p.A, Mizuho Financial Group, 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 Nov 3, 2026: price 120,800 KRW, calculated fair value 128,953 KRW (+7%), Quality Score 45/100, 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 128,953 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 15.6% above its aggregate fair value. Hana Financial currently trades 6% 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 Nov 5, 2026 was 120,800 KRW. Our model-based fair value is 128,953 KRW, about +7% upside (fairly valued). 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 sits close to our fair value, market and models broadly agree here, little valuation tension. 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 33.1T KRW (≈ $24.7B). 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 2.53 (last twelve months). Price to sales: market value relative to yearly revenue. Useful when profit is thin or distorted.
What are the earnings per share of Hana Financial (086790)?
Earnings per share at Hana Financial are 15,076 KRW (price ÷ EPS = P/E 8.1). Earnings per share over the last twelve months: total profit spread across every single share.
What is the dividend yield of Hana Financial (086790)?
The dividend yield of Hana Financial is 3.8% (payout 30.4%). 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 32.0% (last twelve months). 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 9.0% (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 57.3% (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 +8.4% 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 +4.8% 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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Nov 3, 2026