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Jb Financial (175330) fair value: what the stock is really worth

As of Sep 23, 2026: fair value of Jb Financial KRW 37,556, price KRW 30,150, upside +24.6%, quality 43 out of 100. Calculated from audited financials with 26 valuation models and 37 quality factors, updated daily.

  1. Fair value above price? Yes
  2. Good quality? No
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Financial Services · KR · ISIN KR7175330000

JF Some data Sep 24, 2026

Jb Financial

175330 · KO

SpeculativeUpside exists, but weak quality makes the signal speculative.

✓Fair value 37,556 KRW · Undervalued (+25%)
!Quality 43/100
!Expensive Growth (revenue 5y +11.7 %/yr)
✓Highly profitable · 27.4% net margin (TTM)
!Moderate debt · negative free cash flow
·4.28% dividend yield
✓Ranks above peers (6/9)
✓Wide moat 67/100
!Evidence only medium, so the estimate is less certain
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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

36,334 KRW 4,910 KRW Fair Value 37,556 KRW Apr 2021 Sep 2026

White line = price, green steps = our fair value per fiscal year, dashed = 300-day average. As of Sep 24, 2026.

How to read this chart

60‑month range 4,910 KRW – 36,334 KRW · fair‑value band 30,539 KRW – 58,018 KRW · the 30,150 KRW price screens below the 37,556 KRW fair value. Green steps = our fair value per fiscal year (point-in-time, no hindsight). Dashed = 300-day average. As of Sep 24, 2026.

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Company profile

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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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. 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 30,150 KRW, while our model-based Fair Value estimate is 37,556 KRW, implying the stock looks roughly 19.7% undervalued today.

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Valuation

Bull case: the Multiples group reads highest at a median of 44,689 KRW per share, and 3 of the 6 models we run sit above the 30,150 KRW price.

Bear case: the Asset-Based group reads lowest at 21,387 KRW, and 3 of the 6 models stay below the price. Evidence for this calculation is medium.

Scenario range: 30,539 KRW (bear) to 58,018 KRW (bull), the price of 30,150 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 43/100 (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 5.7T KRW (≈ $4.0B) · P/S ratio 1.98 · Dividend yield 4.3% · Net margin 27.9% · Return on equity 12.3% · Return on assets (EBIT) 1.4% · Operating margin 48.8% · Revenue (TTM) 2.6T KRW.

Competitive moat

Our AI-assisted moat analysis scores the competitive advantage at 47 out of 100 (low confidence).

What moves the price

The share trades about 17% below its 52-week high and 43% above its 52-week low, currently above its 200-day average.

For context, the median of 10 Financial Services peers we cover trades at −38% fair-value upside, at 25%, 175330 screens cheaper than that median.

Fair Value models

Bear 30,539 KRW Fair Value 37,556 KRW Bull 58,018 KRW
Model ⓘEach model values the company its own way (discounted cash flow, earnings, assets, dividends). The fair value above is their evidence-weighted blend, not the output of a single model. 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. Evidence ⓘEvidence = 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.
Highest evidence
Residual Income 30,060 KRW 36,226 KRW 77,927 KRW 71
DDM Multi-Stage 12,812 KRW 22,913 KRW 29,150 KRW 66
Gordon GGM 12,812 KRW 27,971 KRW 47,062 KRW 65
All 6 models by family
Dividend Discount
Gordon GGM 12,812 KRW 27,971 KRW 47,062 KRW 65
DDM Multi-Stage 12,812 KRW 22,913 KRW 29,150 KRW 66
Multiples
P/E Multiple 37,380 KRW 49,841 KRW 62,301 KRW 63
P/B Multiple 33,517 KRW 44,689 KRW 55,861 KRW 55
Asset-Based
NCAV (Graham) 15,960 KRW 21,387 KRW 31,921 KRW 54
Economic Profit
Residual Income 30,060 KRW 36,226 KRW 77,927 KRW 71

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Quality Score breakdown

Overall quality 43/100

Of which business quality 36 · Market factors (momentum, volatility) 61

Profitability 36
Margins and returns on capital today
Quality Growth 45
Are margins and returns improving?
Cashflow 0
Earnings quality: real cash, not paper profit
Fin. Strength 11
Balance sheet, leverage, solvency risk
Investment 69
Disciplined investing over empire-building
Low Volatility 67
Calm price path (market factor)
Momentum 56
Price trend over the last 3–12 months (market factor)
52W Momentum 65
Distance to the 52-week high (market factor)
Net Issuance 95
Share count: buybacks or dilution?

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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. 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%
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.
+19.5%
Earnings growth per share plus dividend.
Earnings per share, growth per year+15.2%
Dividend (yield on the price)4.3%
Profit margin 2013 to 2018 ⓘOperating margin then vs now, from reported annual statements. A falling margin after a boom year is the classic peak-earnings signal: the growth rate then leans on an inflated base.52% → 46%

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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 · 1074 stocks

Beats the industry median on 6/9 measures
Overall it ranks above its industry peers.
Valuation
Quality Score 45 · Bottom 25%
Fair Value upside +25% · Top 25%
Profitability
Return on equity (TTM) 12% · Above median
Return on assets 1% · Above median
Net margin (TTM) 27% · Below median
Operating margin (TTM) 49% · Above median
Growth and dividend
Revenue growth 13% · Above median
Dividend yield (TTM) 4.3% · Top 25%
Balance sheet
Debt / equity 1.34× · Highest 25%

Strength profile in five axes (Snowflake)

VALUEFUTUREPASTHEALTHDIVIDEND
This stock
VALUEFUTUREPASTHEALTHDIVIDEND
Sector peers
VALUE (fair-value potential)66 · sector 12
FUTURE (revenue growth)67 · sector 45
PAST (return on equity)49 · sector 41
HEALTH (low debt)33 · sector 85
DIVIDEND (yield)86 · sector 53

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
DBS Group D05 77.80 SGD 40.48 SGD −48%
China Merchants Bank Co 3968 HK$51.65 HK$64.29 +24%
Intesa Sanpaolo S.p.A ISP €6.73 €4.04 −40%
HDFC Bank Limited HDFCBANK ₹738.60 ₹418.52 −43%
BNP Paribas SA BNP €101.30 €105.99 +5%
UniCredit S.p.A UCG €83.28 €77.62 −7%
Mizuho Financial Group MFG $10.87 $6.75 −38%
ICICI Bank Limited ICICIBANK ₹1,340 ₹636.31 −53%
The PNC Financial Services Group PNC $227.96 $159.52 −30%
Oversea-Chinese Banking Corporation O39 32.14 SGD 19.80 SGD −38%

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Jb Financial · Fair Value
37,556 KRW +20%Fair Value
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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 Sep 24, 2026, our model estimates a fair value of 37,556 KRW versus a price of 30,150 KRW, about +25% upside (undervalued).
What is the fair value of 175330?
Our model-based fair value for Jb Financial is 37,556 KRW (as of Sep 24, 2026), built from audited fundamentals. The current price: 30,150 KRW.
What is the quality score of 175330?
Jb Financial has a Quality Score of 43/100. 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 37,556 KRW (as of Sep 24, 2026) from 6 valuation models. Cautious scenario 30,539 KRW, optimistic scenario 58,018 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 37,556 KRW, about +25% upside versus a price of 30,150 KRW (undervalued). Cautious scenario 30,539 KRW, optimistic scenario 58,018 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 2.0T KRW (latest available figure, as of Sep 24, 2026).
Does Jb Financial pay a dividend?
Jb Financial currently shows a dividend yield of about 4.28% relative to its recent price (as of Sep 24, 2026).
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 37,556 KRW per share (as of Sep 24, 2026), against a price of 30,150 KRW. It is the blended result of 6 valuation models (cash flow, earnings, asset, dividend).
Is Jb Financial stock overvalued or undervalued in 2026?
As of Sep 24, 2026, 175330 trades below its calculated fair value: price 30,150 KRW, fair value 37,556 KRW, a gap of about +25% (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 (30,150 KRW); the fair value is what the company's own numbers justify (37,556 KRW). For Jb Financial the two are 7,406 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 5.7T KRW (market capitalisation, as of Sep 24, 2026). Per share that is 30,150 KRW; our models calculate a fair value of 37,556 KRW per share.
What do the bullish and bearish scenarios say about 175330?
Our models span a range for Jb Financial: cautious scenario 30,539 KRW, base 37,556 KRW, optimistic 58,018 KRW per share (as of Sep 24, 2026, price 30,150 KRW). The range comes from different growth and margin assumptions, not from analyst opinions.
How solid is the balance sheet of Jb Financial (175330)?
Balance-sheet figures for Jb Financial (as of Sep 24, 2026): return on equity 12.3%, debt of 1.34 per unit of equity. They feed the Quality Score of 43/100, which measures business quality independently of the share price.
How far is 175330 from its 52-week high?
Jb Financial trades at 30,150 KRW, about 17% below its 52-week high of 36,334 KRW and 43% above the low of 21,125 KRW (as of Sep 23, 2026). Distance from the high says nothing about value: that is what the fair value of 37,556 KRW is for.
Which stocks are comparable to Jb Financial?
From the same area (Financial Services) we also value DBS Group, China Merchants Bank Co, Intesa Sanpaolo S.p.A, HDFC Bank Limited, 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 Sep 24, 2026: price 30,150 KRW, calculated fair value 37,556 KRW (+25%), Quality Score 43/100, 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 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 37,556 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 14.1 % above its aggregate fair value. Jb Financial currently trades 25 % 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 Sep 23, 2026 was 30,150 KRW. Our model-based fair value is 37,556 KRW, about +25% 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?
A fairly wide model range (30,539 KRW to 58,018 KRW) leaves room in how you read the outcome. 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 Jb Financial

How large is the market capitalisation of Jb Financial (175330)?
The market capitalisation of Jb Financial is 5.7T KRW (≈ $4.0B). 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 1.98 (last twelve months). Price to sales: market value relative to yearly revenue. Useful when profit is thin or distorted.
What is the dividend yield of Jb Financial (175330)?
The dividend yield of Jb Financial is 4.3%. 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 Jb Financial (175330)?
The net margin of Jb Financial is 27.9% (fiscal year 2025). 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 48.8% (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 +13.4% 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 +4.6% 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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