Jb Financial (175330) fair value: what the stock is really worth
As of Nov 6, 2026: fair value (intrinsic value) of Jb Financial stock KRW 31,593, price KRW 27,100, upside +16.6%, quality 45 out of 100. Rating: undervalued. Calculated from audited financials with 6 of our 26 valuation models and 37 quality factors, updated daily.
69 individual criteria per stock, every one traceableSee the method →
Price vs Fair Value
White line = price, green steps = our fair value per fiscal year. As of Nov 6, 2026.
How to read this chart
60‑month range 4,917 KRW – 35,923 KRW · fair‑value band 23,695 KRW – 39,491 KRW · the 27,100 KRW price screens below the 31,593 KRW fair value. Green steps = our fair value per fiscal year (point-in-time, no hindsight). As of Nov 6, 2026.
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JB Financial Group Co., Ltd., through its subsidiaries, engages in the provision of financial services in South Korea and internationally. It is involved in banking business for smaller enterprises, merchants, and households; and installment financing, rental of facilities business.
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The company also offers asset management in the energy and resources fund markets; venture investment; finance, microfinance; new technology; and securities business. JB Financial Group Co., Ltd. was founded in 2013 and is based in Jeonju-si, South Korea.
Stock analysis
Jb Financial (175330) currently trades at 27,100 KRW, while our model-based Fair Value estimate is 31,593 KRW, implying the stock looks roughly 14% undervalued today.
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Valuation
Bull case: the Economic Profit group reads highest at a median of 35,900 KRW per share, and 2 of the 6 models we run sit above the 27,100 KRW price.
Bear case: the Asset-Based group reads lowest at 20,912 KRW, and 4 of the 6 models stay below the price. Data coverage for this calculation is medium.
Scenario range: 23,695 KRW (bear) to 39,491 KRW (bull), the price of 27,100 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.
Jb Financial reported revenue of 2.5T KRW in FY2025 versus 1.7T KRW in FY2021, a compound +10.8%/yr. Reported net income was 710B KRW in FY2025, compounding +8.8%/yr from FY2021.
Key figures
Market cap 5.1T KRW (≈ $3.7B) Mid · P/E ratio 7.2 · P/S ratio 1.93 · EPS (TTM) 3,833 KRW · Dividend yield 5.3% · Net margin 27.6% · Return on equity 12.3% · Return on assets (EBIT) 1.4% (5-year average).
Competitive moat
Our AI-assisted moat analysis scores the competitive advantage at 67 out of 100 (low confidence).
What moves the price
The share trades about 25% below its 52-week high and 24% 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 17%, 175330 screens cheaper than that median.
Fair Value models
Bear23,695 KRWFair Value 31,593 KRWBull39,491 KRW
Price 27,100 KRW · Upside +16.6%
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 (2,042 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.62/100
The company is growing, but growth may require heavy reinvestment or weak cash conversion.
Revenue growth 1 year
+6.3%
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.
+9.3%
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.
+11.7%
Start year 2020 (pandemic). Over 10 years: +8.5% a year
Revenue growth 12 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.
+13.6%
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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.
+20.5%
Earnings growth per share plus dividend.
Earnings per share, growth per year+15.2%
Dividend (yield on the price)5.3%
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.15.2% vs 18.8%, slowing
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 · 998 stocks
Beats the industry median on 8/12 measures
Overall it ranks above its industry peers.
Valuation
Quality Score45 · Bottom 25%
Fair Value upside+16.6% · Top 25%
Profitability
Return on equity (12 months)12.3% · Above median
Return on assets1.0% · Above median
Net margin (12 months)27.6% · Below median
Operating margin (12 months)54.8% · Top 25%
Growth and dividend
Revenue growth (quarter YoY)4.3% · Below median
Dividend yield (12 months)5.3% · Top 25%
Balance sheet
Debt / equity1.34× · Highest 25%
Valuation Multiplesvs Banks - Regional median · lower = cheaper
P/E (12 months)7.2× · Cheapest 25%
P/B0.86× · Cheapest 25%
P/S (12 months)1.93× · Cheapest 25%
Strength profile in five axes (Snowflake)
This stockSector peers
VALUE (fair-value potential)55· sector 8
FUTURE (revenue growth)22· sector 47
PAST (return on equity)49· sector 43
HEALTH (low debt)–
DIVIDEND (yield)100· sector 53
HEALTH: for banks, insurers and similar financial firms borrowed money is part of the business, so we do not rate debt here.
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). "Jb Financial Fair Value". https://www.fairvalue-calculator.com/stock/175330
Frequently asked questions
Is Jb Financial (175330) overvalued or undervalued?
As of Nov 6, 2026, our model estimates a fair value of 31,593 KRW versus a price of 27,100 KRW, about +17% upside (undervalued).
What is the fair value of 175330?
Our model-based fair value for Jb Financial is 31,593 KRW (as of Nov 6, 2026), built from audited fundamentals. The current price: 27,100 KRW.
What is the quality score of 175330?
Jb 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 Jb Financial (175330)?
Our model-based price target is the fair value of 31,593 KRW (as of Nov 6, 2026) from 6 valuation models. Cautious scenario 23,695 KRW, optimistic scenario 39,491 KRW. It is a calculation from audited fundamentals, not an analyst target.
What is the Jb Financial stock forecast for 2026?
Our models put fair value at 31,593 KRW, about +17% upside versus a price of 27,100 KRW (undervalued). Cautious scenario 23,695 KRW, optimistic scenario 39,491 KRW. The calculation is refreshed regularly with new filings.
What is the revenue of Jb Financial (175330)?
Jb Financial reported trailing-twelve-month revenue of about 2.6T KRW (latest available figure, as of Nov 6, 2026).
Does Jb Financial pay a dividend?
Jb Financial currently shows a dividend yield of 5.33% relative to its recent price (as of Nov 6, 2026).
How much is the dividend of Jb Financial (175330) and when is the ex-dividend date?
Jb Financial pays a dividend of 1,445 KRW per share a year, a dividend yield of 5.3%. The next ex-dividend date is Nov 10, 2026. A dividend has been paid every year since 2003. The payout ratio is 37.7% 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 Jb Financial (175330)?
Intrinsic value and fair value mean the same thing: what the business is worth on its numbers, independent of the share price. For Jb Financial it is 31,593 KRW per share (as of Nov 6, 2026), against a price of 27,100 KRW. It is the blended result of 6 valuation models in 4 families (Dividend Discount, Multiples, Asset-Based, Economic Profit).
Is Jb Financial stock overvalued or undervalued in 2026?
As of Nov 6, 2026, 175330 trades below its calculated fair value: price 27,100 KRW, fair value 31,593 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 175330?
No. The price is what the market pays today (27,100 KRW); the fair value is what the company's own numbers justify (31,593 KRW). For Jb Financial the two are 4,493 KRW per share apart. That gap is exactly why we show both numbers side by side.
How much is Jb Financial worth?
The market values Jb Financial at about 5.1T KRW (market capitalisation, as of Nov 6, 2026). Per share that is 27,100 KRW; our models calculate a fair value of 31,593 KRW per share.
What do the bullish and bearish scenarios say about 175330?
Our models span a range for Jb Financial: cautious scenario 23,695 KRW, base 31,593 KRW, optimistic 39,491 KRW per share (as of Nov 6, 2026, price 27,100 KRW). The range comes from different growth and margin assumptions, not from analyst opinions.
What is the P/E ratio of 175330?
Jb Financial trades at a price-to-earnings ratio of 7.2 (as of Nov 6, 2026). A P/E on its own says little: it compares the price with ONE year of profit, while our fair value of 31,593 KRW is built from several models across several years. Median P/E at fiscal year-end, 10 fiscal years (2016 to 2025), reported earnings: 4.1. Other multiples: P/B 0.9, P/S 1.9.
How solid is the balance sheet of Jb Financial (175330)?
Balance-sheet figures for Jb Financial (as of Nov 6, 2026): return on equity 12.3%, debt of 1.34 per unit of equity. They feed the Quality Score of 45/100, which measures business quality independently of the share price.
How far is 175330 from its 52-week high?
Jb Financial trades at 27,100 KRW, about 25% below its 52-week high of 35,923 KRW and 24% above the low of 21,933 KRW (as of Nov 6, 2026). Distance from the high says nothing about value: that is what the fair value of 31,593 KRW is for.
Which stocks are comparable to Jb 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 Jb Financial stock attractive at the current price?
The data as of Nov 6, 2026: price 27,100 KRW, calculated fair value 31,593 KRW (+17%), 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 175330 calculated?
We run Jb 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 31,593 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. Jb Financial currently trades 14% 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 Jb Financial (175330)?
The closing price on Nov 6, 2026 was 27,100 KRW. Our model-based fair value is 31,593 KRW, about +17% upside (undervalued). We carry closing prices from our data provider, not a live tick.
What should I pay attention to with Jb Financial right now?
For a financial, book-value and earnings-based methods matter more than a cash-flow DCF, which fits banks and insurers poorly. The price sits in the lower half of our model range, the side with the larger margin of safety. Read the verdict with care: some models are missing inputs, so the estimate scatters more than usual.
Key figures of Jb Financial
How large is the market capitalisation of Jb Financial (175330)?
The market capitalisation of Jb Financial is 5.1T KRW (≈ $3.7B). 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 Jb Financial (175330)?
The price-to-sales ratio of Jb Financial is 1.93 (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 Jb Financial (175330)?
Earnings per share at Jb Financial are 3,833 KRW (price ÷ EPS = P/E 7.2). Earnings per share over the last twelve months: total profit spread across every single share.
What is the dividend yield of Jb Financial (175330)?
The dividend yield of Jb Financial is 5.3% (payout 37.7%). 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 Jb Financial (175330)?
The net margin of Jb Financial is 27.6% (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 Jb Financial (175330)?
The return on equity (ROE) of Jb Financial is 12.3% (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 Jb Financial (175330)?
On an EBIT basis the return on assets of Jb Financial is 1.4% (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 Jb Financial (175330)?
The operating margin of Jb Financial is 54.8% (last twelve months). Profit from the core business (before interest and taxes) relative to revenue.
How fast is revenue growing at Jb Financial (175330)?
Revenue at Jb Financial is growing +4.3% versus a year earlier (3y avg +9.3%). 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 Jb Financial (175330)?
Earnings per share at Jb Financial are growing +8.8% versus a year earlier. How much earnings per share grew versus a year earlier.
How much free cash flow does Jb Financial (175330) generate?
The free cash flow of Jb Financial is −1.3T 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 Jb Financial (175330) carry?
The net debt of Jb Financial is 14.6T 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 6, 2026