Hana Financial Group (086790) Fair Value & Analysis
Financial Services · KR · Market cap 36.7T KRW
Fair value as of: Jul 16, 2026
From 17 valuation models · updated 22 days ago
Share price +5.0% over the past month.
A solid business, screening 46% undervalued on our models.
What matters now
- The price is below even our cautious bear case (145,477 KRW). The market is more pessimistic than our downside scenario.
- Solid quality (53/100) at a price below fair value, the discount is the argument here, not the business quality.
- For a financial, book-value and earnings-based methods matter more than a cash-flow DCF, which fits banks and insurers poorly.
Price vs Fair Value (5 years)
White line = price, green steps = our fair value per fiscal year, dashed = 300-day average. As of Jul 16, 2026.
How to read this chart
60‑month range 26,507 KRW – 136,800 KRW · fair‑value band 145,477 KRW – 242,461 KRW · the 133,300 KRW price screens below the 193,969 KRW fair value. Green steps = our fair value per fiscal year (point-in-time, no hindsight). Dashed = 300-day average. As of Jul 16, 2026.
Analysis
Hana Financial Group (086790) currently trades at 133,300 KRW, while our model-based Fair Value estimate is 193,969 KRW, implying the stock looks roughly 45.5% undervalued today. We read business quality at 53/100 (solid quality), in the Financial Services sector. Bull case: trading below our estimate, it may offer upside if the fundamentals hold. Bear case: a low price can be a value trap when quality is weak or the data is thin (evidence: high), always confirm before acting.
Over the trailing twelve months, Hana Financial Group generated revenue of 12.6T KRW at a net margin of 32.4%. Revenue declined 10.7% year over year. It earns a return on equity of 9.1%. Net debt stands at 71.6T KRW. Fundamentals as of Jul 16, 2026
Our scenario range runs from 145,477 KRW (bear case) to 242,461 KRW (bull case); at 133,300 KRW, the current price sits below that range. Bear and bull are the same models run on conservative and optimistic assumptions (margins, growth, valuation multiples), so a plausible valuation range, not a price target. The share trades near its 52-week high and 88% above its 52-week low, currently above its 200-day average. For context, the median of 10 Financial Services peers we cover trades at 65% fair-value upside, at 46%, 086790 screens richer than that median.
Fair Value models
Each model estimates fair value its own way; the Fair Value above is the evidence-weighted blend. Evidence (0–100) measures how completely this model’s inputs are available: well-fed models carry more weight in the blend. The spread across models is intentional, each one stresses a different value driver; dividend models, for instance, come out structurally low when payout is small.
All 17 models by family
Widest divergence: Growth Earnings (258,477 KRW) versus Economic Profit (18,939 KRW). Highest evidence: Residual Income (76).
Key figures & financial health
More key figures
Figures from reported company fundamentals · as of Jul 16, 2026. TTM = trailing twelve months.
Quality Score breakdown
Of which business quality 38 · Market factors (momentum, volatility) 71
Non-valuation factor families (profitability, growth, cashflow, financial strength, momentum …), each academically grounded. Valuation itself sits in the Fair Value and is deliberately excluded here to avoid double-counting.
About the company
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.
Full company description
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.
Company description, as reported by the company or data provider.
Revenue & earnings trend
FY2021 – FY2025 · reported fiscal years
Hana Financial Group 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.
Watch 086790: get an alert when its fair value changes →
Peer Group
Banks - Regional · 1082 stocks
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.
Valuation Multiples vs Banks - Regional median · lower = cheaper
Snowflake
Five quick dimensions, each 0 to 100: VALUE (fair-value potential), FUTURE (revenue growth), PAST (return on equity), HEALTH (low debt), DIVIDEND (yield). Green = this stock, grey = typical sector peer.
Values & ESG
Does this company touch areas you may want to avoid? The classification is inferred from sector and industry.
ESG scores are not available for this stock yet. Values and ESG data are contextual and can differ between providers.
Similar stocks
10 more Banks - Regional stocks, each showing price versus our Fair Value estimate (as of Jul 16, 2026).
| Stock | Price | Fair Value | vs Fair Value |
|---|---|---|---|
| PT Bank Central Asia Tbk BBCA | 6,175 IDR | 6,087 IDR | -1% |
| KB Financial Group 105560 | 184,400 KRW | 213,797 KRW | +16% |
| PT Bank Rakyat Indonesia (Persero) Tbk BBRI | 2,970 IDR | 4,891 IDR | +65% |
| PT Bank Mandiri (Persero) Tbk BMRI | 4,310 IDR | 7,841 IDR | +82% |
| Banco Bradesco S.A BBD | 5,120 ARS | 10,240 ARS | +100% |
| Shinhan Financial Group 055550 | 107,900 KRW | 137,259 KRW | +27% |
| Lloyds Banking Group LYG | 4,138 ARS | 8,275 ARS | +100% |
| Banco de Chile, CHILE | 193.10 CLP | 152.55 CLP | -21% |
| Joint Stock Commercial Bank for Foreign Trade of Vietnam, VCB | 59,400 VND | 84,201 VND | +42% |
| Woori Financial Group 316140 | 31,500 KRW | 55,811 KRW | +77% |
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Frequently asked questions
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How we calculate Fair Value
Each company is valued through a stack of independent intrinsic-value models (DCF variants, residual-income, multiples and more), blended into one family-balanced consensus and weighted by how much trustworthy data backs it. A separate quality layer scores the fundamentals. Every input is real reported data, nothing guessed.
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