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Data-driven stock valuation

Dgb Financial (139130) fair value: what the stock is really worth

As of Nov 6, 2026: fair value (intrinsic value) of Dgb Financial stock KRW 23,536, price KRW 15,240, upside +54.4%, quality 48 out of 100. Rating: strongly undervalued. Calculated from audited financials with 6 of our 26 valuation models and 37 quality factors, updated daily.

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Financial Services KR · ISIN KR7139130009

DF Dgb Financial logo Some data Nov 7, 2026

Dgb Financial

139130 · KO
Cheap, value-trap risk

The stock costs 35% less than our calculation considers fair.

Fair value 23,536 KRW · Strongly undervalued (35%)
Solidly profitable · 13.1% net margin (TTM)
4.6% dividend yield · Low payout
Revenue last quarter +25% vs. a year ago.
Quality 48/100
Expensive Growth (revenue 5y +3.2 %/yr in KRW)
Mixed vs. peers (6/12)
Moderate moat 53/100 · thin data
Some data
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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

20,905 KRW 5,300 KRW Fair Value 23,536 KRW Jun 2021 Nov 2026

White line = price, green steps = our fair value per fiscal year. As of Nov 7, 2026.

How to read this chart

60‑month range 5,300 KRW – 20,905 KRW · fair‑value band 17,652 KRW – 29,420 KRW · the 15,240 KRW price screens below the 23,536 KRW fair value. Green steps = our fair value per fiscal year (point-in-time, no hindsight). As of Nov 7, 2026.

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Company profile

iM Financial Group Co., Ltd., through its subsidiaries, engages in the provision of various banking products and services in South Korea.

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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.

Stock analysis

Dgb Financial (139130) currently trades at 15,240 KRW, while our model-based Fair Value estimate is 23,536 KRW, implying the stock looks roughly 35% undervalued today.

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Valuation

Bull case: the Economic Profit group reads highest at a median of 31,512 KRW per share, and 3 of the 6 models we run sit above the 15,240 KRW price.

Bear case: the Dividend Discount group reads lowest at 9,856 KRW, and 3 of the 6 models stay below the price. Data coverage for this calculation is medium.

Scenario range: 17,652 KRW (bear) to 29,420 KRW (bull), the price of 15,240 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 48/100 (below-average quality), in the Financial Services sector.

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

Dgb Financial 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.

Key figures

Market cap 2.4T KRW (≈ $1.8B) Small · P/E ratio 6.3 · P/S ratio 0.74 · EPS (TTM) 2,473 KRW · Dividend yield 4.6% · Net margin 13.1% · Return on equity 6.9% · Return on assets (EBIT) 1.6% (5-year average).

Competitive moat

Our AI-assisted moat analysis scores the competitive advantage at 53 out of 100 (low confidence).

What moves the price

The share trades about 27% below its 52-week high and 17% above its 52-week low, currently below its 200-day average.

For context, the median of 10 Financial Services peers we cover trades at −28% fair-value upside, at 54%, 139130 screens cheaper than that median.

Fair Value models

Bear 17,652 KRW Fair Value 23,536 KRW Bull 29,420 KRW
Price 15,240 KRW · Upside +54.4%
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 (1,516 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.
Best data coverage
Residual Income 30,544 KRW 31,512 KRW 34,097 KRW 76
Gordon GGM 6,160 KRW 10,766 KRW 15,880 KRW 67
DDM Multi-Stage 6,160 KRW 8,947 KRW 11,609 KRW 67
All 6 models by family
Dividend Discount
Gordon GGM 6,160 KRW 10,766 KRW 15,880 KRW 67
DDM Multi-Stage 6,160 KRW 8,947 KRW 11,609 KRW 67
Multiples
P/E Multiple 27,232 KRW 36,310 KRW 45,387 KRW 63
P/B Multiple 8,072 KRW 10,763 KRW 13,454 KRW 55
Asset-Based
NCAV (Graham) 18,809 KRW 25,204 KRW 37,617 KRW 54
Economic Profit
Residual Income 30,544 KRW 31,512 KRW 34,097 KRW 76

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Quality Score breakdown

Overall quality 48/100

It rates the business: profits, how they develop, real cash, balance sheet, investing and share count.

Profitability 29
How much profit the company makes from its sales and capital
Quality Growth 54
Are margins and returns getting better?
Cashflow 0
Do the profits arrive as real cash?
Financial strength 16
Debt, balance sheet and risk of trouble
Investment 85
Does it invest with discipline instead of growing at any price?
Low Volatility 66
How calm the share price moves, does not count
Price momentum 39
Price momentum of the last 3 to 12 months, does not count
Near the 52-week high 41
Distance to the 52-week high, does not count
New shares 100
Buys back shares or issues new ones?

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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. 31/100
The company is growing, but growth may require heavy reinvestment or weak cash conversion.
Revenue growth 1 year
−1.1%
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.
+0.7%
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.
+3.2%
Start year 2020 (pandemic). Over 10 years: +0.0% a year
Revenue growth 25 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.
+3.2%
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.
+11.7%
Earnings growth per share plus dividend.
Earnings per share, growth per year+7.1%
Dividend (yield on the price)4.6%
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.7.1% vs 4.5%, steady
Pace: the 5-year rate starts in 2020 (pandemic)

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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 · 998 stocks

Beats the industry median on 6/12 measures
A mixed picture versus its industry peers.
Valuation
Quality Score 48 · Below median
Fair Value upside +54.4% · Top 25%
Profitability
Return on equity (12 months) 6.9% · Bottom 25%
Return on assets 0.5% · Bottom 25%
Net margin (12 months) 13.1% · Bottom 25%
Operating margin (12 months) 35.7% · Below median
Growth and dividend
Revenue growth (quarter YoY) 24.5% · Top 25%
Dividend yield (12 months) 4.6% · Top 25%
Balance sheet
Debt / equity 2.25× · Highest 25%

Valuation Multiplesvs Banks - Regional median · lower = cheaper

P/E (12 months) 6.3× · Cheapest 25%
P/B 0.39× · Cheapest 25%
P/S (12 months) 0.74× · Cheapest 25%

Strength profile in five axes (Snowflake)

VALUEFUTUREPASTHEALTHDIVIDEND
This stock
VALUEFUTUREPASTHEALTHDIVIDEND
Sector peers
VALUE (fair-value potential)100 · sector 8
FUTURE (revenue growth)100 · sector 47
PAST (return on equity)27 · sector 43
HEALTH (low debt)–
DIVIDEND (yield)92 · sector 53

HEALTH: for banks, insurers and similar financial firms borrowed money is part of the business, so we do not rate debt here.

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 Compare
Postal Savings Bank of China Co 601658 ¥5.53 ¥7.59 +37% vs 139130
China Merchants Bank Co 600036 ¥42.88 ¥52.73 +23% vs 139130
BNP Paribas SA BNP €91.93 €106.01 +15% vs 139130
Intesa Sanpaolo S.p.A ISP €6.18 €4.49 −27% vs 139130
State Bank of India SBIN ₹1,019 ₹736.65 −28% vs 139130
UniCredit S.p.A UCG €76.80 €50.44 −34% vs 139130
Mizuho Financial Group MFG $9.40 $5.90 −37% vs 139130
DBS Group D05 69.72 SGD 40.39 SGD −42% vs 139130
HDFC Bank Limited HDFCBANK ₹788.25 ₹406.39 −48% vs 139130
ICICI Bank Limited ICICIBANK ₹1,571 ₹615.63 −61% vs 139130

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Dgb Financial: fair value per Fair Value Calculator

Cite: Fair Value Calculator (2026). "Dgb Financial Fair Value". https://www.fairvalue-calculator.com/stock/139130

Frequently asked questions

Is Dgb Financial (139130) overvalued or undervalued?
As of Nov 7, 2026, our model estimates a fair value of 23,536 KRW versus a price of 15,240 KRW, about +54% upside (undervalued).
What is the fair value of 139130?
Our model-based fair value for Dgb Financial is 23,536 KRW (as of Nov 7, 2026), built from audited fundamentals. The current price: 15,240 KRW.
What is the quality score of 139130?
Dgb Financial has a Quality Score of 48/100. 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 Dgb Financial (139130)?
Our model-based price target is the fair value of 23,536 KRW (as of Nov 7, 2026) from 6 valuation models. Cautious scenario 17,652 KRW, optimistic scenario 29,420 KRW. It is a calculation from audited fundamentals, not an analyst target.
What is the Dgb Financial stock forecast for 2026?
Our models put fair value at 23,536 KRW, about +54% upside versus a price of 15,240 KRW (undervalued). Cautious scenario 17,652 KRW, optimistic scenario 29,420 KRW. The calculation is refreshed regularly with new filings.
What is the revenue of Dgb Financial (139130)?
Dgb Financial reported trailing-twelve-month revenue of about 3.3T KRW (latest available figure, as of Nov 7, 2026).
Does Dgb Financial pay a dividend?
Dgb Financial currently shows a dividend yield of 4.59% relative to its recent price (as of Nov 7, 2026).
How much is the dividend of Dgb Financial (139130) and when is the ex-dividend date?
Dgb Financial pays a dividend of 700.00 KRW per share a year, a dividend yield of 4.6%. The last ex-dividend date was Feb 26, 2026. The payout ratio is 28.3% of earnings. Our assessment: Low payout. A low payout ratio: the dividend takes at most 60 % of earnings. Whether free cash flow covers it as well, we cannot see for this company.
What is the intrinsic value of Dgb Financial (139130)?
Intrinsic value and fair value mean the same thing: what the business is worth on its numbers, independent of the share price. For Dgb Financial it is 23,536 KRW per share (as of Nov 7, 2026), against a price of 15,240 KRW. It is the blended result of 6 valuation models in 4 families (Dividend Discount, Multiples, Asset-Based, Economic Profit).
Is Dgb Financial stock overvalued or undervalued in 2026?
As of Nov 7, 2026, 139130 trades below its calculated fair value: price 15,240 KRW, fair value 23,536 KRW, a gap of about +54% (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 139130?
No. The price is what the market pays today (15,240 KRW); the fair value is what the company's own numbers justify (23,536 KRW). For Dgb Financial the two are 8,296 KRW per share apart. That gap is exactly why we show both numbers side by side.
How much is Dgb Financial worth?
The market values Dgb Financial at about 2.4T KRW (market capitalisation, as of Nov 7, 2026). Per share that is 15,240 KRW; our models calculate a fair value of 23,536 KRW per share.
What do the bullish and bearish scenarios say about 139130?
Our models span a range for Dgb Financial: cautious scenario 17,652 KRW, base 23,536 KRW, optimistic 29,420 KRW per share (as of Nov 7, 2026, price 15,240 KRW). The range comes from different growth and margin assumptions, not from analyst opinions.
What is the P/E ratio of 139130?
Dgb Financial trades at a price-to-earnings ratio of 6.3 (as of Nov 7, 2026). A P/E on its own says little: it compares the price with ONE year of profit, while our fair value of 23,536 KRW is built from several models across several years. Median P/E at fiscal year-end, 10 fiscal years (2016 to 2025), reported earnings: 3.7. Other multiples: P/B 0.4, P/S 0.7.
How solid is the balance sheet of Dgb Financial (139130)?
Balance-sheet figures for Dgb Financial (as of Nov 7, 2026): return on equity 6.9%, debt of 2.25 per unit of equity. They feed the Quality Score of 48/100, which measures business quality independently of the share price.
How far is 139130 from its 52-week high?
Dgb Financial trades at 15,240 KRW, about 27% below its 52-week high of 20,905 KRW and 17% above the low of 13,065 KRW (as of Nov 6, 2026). Distance from the high says nothing about value: that is what the fair value of 23,536 KRW is for.
Which stocks are comparable to Dgb 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 Dgb Financial stock attractive at the current price?
The data as of Nov 7, 2026: price 15,240 KRW, calculated fair value 23,536 KRW (+54%), Quality Score 48/100, 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 139130 calculated?
We run Dgb Financial through 6 models from 4 families: Dividend Discount, Multiples, Asset-Based, Economic Profit. Every model gets the same audited fundamentals; the fair value of 23,536 KRW builds on their evidence-weighted average, 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 13.0% above its aggregate fair value. Dgb Financial currently trades 35% 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 Dgb Financial (139130)?
The closing price on Nov 6, 2026 was 15,240 KRW. Our model-based fair value is 23,536 KRW, about +54% upside (undervalued). We carry closing prices from our data provider, not a live tick.
What should I pay attention to with Dgb Financial right now?
The large discount to fair value meets weak quality (48/100). That raises the risk this is a value trap rather than a bargain. The price is below even our cautious bear case (17,652 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 Dgb Financial

How large is the market capitalisation of Dgb Financial (139130)?
The market capitalisation of Dgb Financial is 2.4T KRW (≈ $1.8B). 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 Dgb Financial (139130)?
The price-to-sales ratio of Dgb Financial is 0.74 (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 Dgb Financial (139130)?
Earnings per share at Dgb Financial are 2,473 KRW (price ÷ EPS = P/E 6.3). Earnings per share over the last twelve months: total profit spread across every single share.
What is the dividend yield of Dgb Financial (139130)?
The dividend yield of Dgb Financial is 4.6% (payout 28.3%). 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 Dgb Financial (139130)?
The net margin of Dgb Financial is 13.1% (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 Dgb Financial (139130)?
The return on equity (ROE) of Dgb Financial is 6.9% (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 Dgb Financial (139130)?
On an EBIT basis the return on assets of Dgb Financial is 1.6% (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 Dgb Financial (139130)?
The operating margin of Dgb Financial is 35.7% (last twelve months). Profit from the core business (before interest and taxes) relative to revenue.
How fast is revenue growing at Dgb Financial (139130)?
Revenue at Dgb Financial is growing +24.5% versus a year earlier (3y avg +0.7%). 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 Dgb Financial (139130)?
Earnings per share at Dgb Financial are growing −8.0% versus a year earlier. How much earnings per share grew versus a year earlier.
How much free cash flow does Dgb Financial (139130) generate?
The free cash flow of Dgb Financial is −1.5T 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 Dgb Financial (139130) carry?
The net debt of Dgb Financial is 13.6T 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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