iM Financial Group (139130) Fair Value & Analysis
Financial Services · KR · Market cap 2.8T KRW
Fair value as of: Jul 24, 2026
From 6 valuation models · updated 17 days ago
Fair value updated Jul 24, 2026, revised from 31,800 KRW to 35,880 KRW (+12.8%) since Jun 26, 2026. Share price −1.2% over the past month.
Below-average quality, screening 101% undervalued on our models.
What matters now
- The price is below even our cautious bear case (26,910 KRW). The market is more pessimistic than our downside scenario.
- Solid quality (46/100) 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 24, 2026.
How to read this chart
60‑month range 5,300 KRW – 20,905 KRW · fair‑value band 26,910 KRW – 44,850 KRW · the 17,870 KRW price screens below the 35,880 KRW fair value. Green steps = our fair value per fiscal year (point-in-time, no hindsight). Dashed = 300-day average. As of Jul 24, 2026.
Analysis
iM Financial Group (139130) currently trades at 17,870 KRW, while our model-based Fair Value estimate is 35,880 KRW, implying the stock looks roughly 100.8% undervalued today. The Quality Score stands at 46/100 (below-average 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, iM Financial Group generated revenue of 3.1T KRW at a net margin of 14.3%. Revenue grew 28.2% year over year. It earns a return on equity of 7.3%. Net debt stands at 13.6T KRW. Fundamentals as of Jul 24, 2026
Our scenario range runs from 26,910 KRW (bear case) to 44,850 KRW (bull case); at 17,870 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 about 16% below its 52-week high and 62% above its 52-week low, currently above its 200-day average. For context, the median of 10 Financial Services peers we cover trades at 42% fair-value upside, at 101%, 139130 screens cheaper 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 6 models by family
Widest divergence: Multiples (36,440 KRW) versus Dividend Discount (11,590 KRW). Highest evidence: Residual Income (76).
Key figures & financial health
More key figures
Figures from reported company fundamentals · as of Jul 24, 2026. TTM = trailing twelve months.
Quality Score breakdown
Of which business quality 39 · Market factors (momentum, volatility) 61
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
iM Financial Group Co., Ltd., through its subsidiaries, engages in the provision of various banking products and services in South Korea. The company offers deposit products; loans; financial products, including fund and bancassurance; and foreign exchange, asset management, and internet banking services.
Full company description
iM Financial Group Co., Ltd., through its subsidiaries, engages in the provision of various banking products and services in South Korea. The company offers deposit products; loans; financial products, including fund and bancassurance; and foreign exchange, asset management, and internet banking services. It also provides investment trading and brokerage, discretionary investment, investment advisory, and trust services; and insurance contract loans, etc., as well as sells insurance products, including coverage, endowment, pension, and variable. In addition, the company is involved in the collective investment services; issuing and managing prepaid electronic payment and payment gateway solutions; and facility and automobile rental, installment and automobile finance, corporate and personal loan, and technology business finance services. Further, it engages in the development, operation, maintenance, and integration of information systems; sale, rental, and maintenance of information equipment and software; IT consulting; IT related education; e-commerce; and internet related businesses. Additionally, the company provides claim collection, credit investigation, lease inspection, and civil affairs agency services; venture investment and support; and fintech, digital asset management, software development, and education solutions; and merger and acquisition, and investment services. The company was formerly known as DGB Financial Group Co., Ltd. and changed its name to iM Financial Group Co., Ltd. in March 2025. iM Financial Group Co., Ltd. was founded in 1967 and is based in Daegu, South Korea.
Company description, as reported by the company or data provider.
Revenue & earnings trend
FY2021 – FY2025 · reported fiscal years
iM Financial Group reported revenue of 2.3T KRW in FY2025 versus 2.3T KRW in FY2021, a compound +0.3%/yr. Reported net income was 444B KRW in FY2025, compounding −3.1%/yr from FY2021.
Watch 139130: get an alert when its fair value changes →
Peer Group
Banks - Regional · 1083 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.
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 24, 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% |
| Hana Financial Group 086790 | 136,800 KRW | 193,969 KRW | +42% |
| 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% |
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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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