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KakaoBank Corp (323410) fair value: what the stock is really worth

As of Sep 23, 2026: fair value of KakaoBank Corp KRW 11,087, price KRW 19,920, upside -44.3%, quality 61 out of 100. Calculated from audited financials with 26 valuation models and 37 quality factors, updated daily.

  1. Fair value above price? No
  2. Good quality? Yes
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Financial Services · KR · ISIN KR7323410001

KC Some data Sep 24, 2026

KakaoBank Corp

323410 · KO

Stretched ValuationStrong overvaluation with only moderate quality.

!Fair value 11,087 KRW · Strongly overvalued (−44%)
!Quality 61/100
!Mixed Growth (revenue 5y +29.6 %/yr)
✓Highly profitable · 30.0% net margin (TTM)
✓generates free cash flow
·2.31% dividend yield
!Mixed vs. peers (5/9)
✓Wide moat 65/100
!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

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Price vs Fair Value

88,431 KRW 15,235 KRW Fair Value 11,087 KRW Aug 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 15,235 KRW – 88,431 KRW · fair‑value band 10,781 KRW – 11,087 KRW · the 19,920 KRW price screens above the 11,087 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

KakaoBank Corp., an Internet bank, provides banking services through electronic financial transaction method in South Korea.

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KakaoBank Corp., an Internet bank, provides banking services through electronic financial transaction method in South Korea. It offers various deposits, including checking, group, safe box, piggy bank, journal account, time deposits, flexible savings, and 26 week and one month savings accounts; loans, comprising micro, overdraft, credit, used car, housing deposit, housing deposit loan refinancing, mortgage, and mortgage loan refinancing loans; loan comparison, credit loan refinancing, and credit information services; investments/ forex products, which include funds, securities brokerage accounts, overseas remittance, WU transfer, and dollar boxes. The company also provides cards, including friends and group, co-branded credit cards, and credit card platforms; and business owner and mini services. It operates mobile banking centers and computer data centers. The company was formerly known as KakaoBank of Korea Corp. and changed its name to KakaoBank Corp. in June 2020. The company was founded in 2016 and is headquartered in Seongnam-si, South Korea.

Stock analysis

KakaoBank Corp (323410) currently trades at 19,920 KRW, while our model-based Fair Value estimate is 11,087 KRW, implying the stock looks roughly 79.7% overvalued today.

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Valuation

Bull case: the Multiples group reads highest at a median of 13,104 KRW per share, and 0 of the 6 models we run sit above the 19,920 KRW price.

Bear case: the Dividend Discount group reads lowest at 5,444 KRW, and 6 of the 6 models stay below the price. Evidence for this calculation is medium.

Scenario range: 10,781 KRW (bear) to 11,087 KRW (bull), the price of 19,920 KRW sits above 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 61/100 (solid quality), in the Financial Services sector.

Mixed Growth: Revenue is growing, but margins or cash flow do not fully confirm the trend.

KakaoBank Corp reported revenue of 1.6T KRW in FY2025 versus 605B KRW in FY2021, a compound +27.3%/yr. Reported net income was 480B KRW in FY2025, compounding +23.9%/yr from FY2021.

Key figures

Market cap 10.9T KRW (≈ $8.0B) · P/S ratio 6.18 · Dividend yield 2.3% · Net margin 30.2% · Return on equity 8.1% · Return on assets 0.7% · Operating margin 56.5% · Revenue (TTM) 1.8T KRW.

Competitive moat

Our AI-assisted moat analysis scores the competitive advantage at 48 out of 100 (low confidence).

What moves the price

The share trades about 29% below its 52-week high and 1% above its 52-week low, currently below its 200-day average.

For context, the median of 10 Financial Services peers we cover trades at −37% fair-value upside, at −44%, 323410 screens richer than that median.

Fair Value models

Bear 10,781 KRW Fair Value 11,087 KRW Bull 11,087 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 11,355 KRW 11,909 KRW 12,596 KRW 74
DDM Multi-Stage 3,162 KRW 5,444 KRW 6,650 KRW 65
Gordon GGM 3,162 KRW 6,300 KRW 9,539 KRW 64
All 6 models by family
Dividend Discount
Gordon GGM 3,162 KRW 6,300 KRW 9,539 KRW 64
DDM Multi-Stage 3,162 KRW 5,444 KRW 6,650 KRW 65
Multiples
P/E Multiple 9,828 KRW 13,104 KRW 16,380 KRW 63
P/B Multiple 12,852 KRW 17,136 KRW 21,420 KRW 55
Asset-Based
NCAV (Graham) 7,083 KRW 9,491 KRW 14,166 KRW 51
Economic Profit
Residual Income 11,355 KRW 11,909 KRW 12,596 KRW 74

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Quality Score breakdown

Overall quality 61/100

Of which business quality 54 · Market factors (momentum, volatility) 23

Profitability 40
Margins and returns on capital today
Quality Growth 43
Are margins and returns improving?
Cashflow 100
Earnings quality: real cash, not paper profit
Fin. Strength 9
Balance sheet, leverage, solvency risk
Investment 53
Disciplined investing over empire-building
Low Volatility 37
Calm price path (market factor)
Momentum 22
Price trend over the last 3–12 months (market factor)
52W Momentum 8
Distance to the 52-week high (market factor)
Net Issuance 82
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. 86/100
Revenue is growing, but margins or cash flow do not fully confirm the trend.
Revenue growth 1 year
+4.5%
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.
+16.2%
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.
+29.6%
Start year 2020 (pandemic)
Revenue growth 7 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.
+44.4%
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.
+31.7%
Earnings growth per share plus dividend.
Earnings per share, growth per year+29.4%
Dividend (yield on the price)2.3%

323410 screens 80% overvalued. Compare with DBS Group →

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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 · 1076 stocks

Beats the industry median on 5/9 measures
A mixed picture versus its industry peers.
Valuation
Quality Score 56 · Above median
Fair Value upside −44% · Bottom 25%
Profitability
Return on equity (TTM) 8% · Below median
Return on assets 1% · Below median
Net margin (TTM) 30% · Above median
Operating margin (TTM) 56% · Top 25%
Growth and dividend
Revenue growth 24% · Top 25%
Dividend yield (TTM) 2.3% · Below median

Valuation Multiplesvs Banks - Regional median · lower = cheaper

P/FCF 0.0× · Cheapest 25%

Strength profile in five axes (Snowflake)

VALUEFUTUREPASTHEALTHDIVIDEND
This stock
VALUEFUTUREPASTHEALTHDIVIDEND
Sector peers
VALUE (fair-value potential)0 · sector 11
FUTURE (revenue growth)100 · sector 45
PAST (return on equity)32 · sector 41
HEALTH (low debt)0 · sector 85
DIVIDEND (yield)46 · sector 53

VALUE 0: the price sits above our fair-value range.

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 77.69 SGD 40.48 SGD −48%
China Merchants Bank Co 3968 HK$51.25 HK$62.30 +22%
Intesa Sanpaolo S.p.A ISP €6.73 €4.04 −40%
HDFC Bank Limited HDFCBANK ₹737.25 ₹406.85 −45%
BNP Paribas SA BNP €98.43 €105.99 +8%
UniCredit S.p.A UCG €82.18 €77.62 −6%
Mizuho Financial Group MFG $10.74 $6.75 −37%
ICICI Bank Limited ICICIBANK ₹1,340 ₹616.16 −54%
The PNC Financial Services Group PNC $224.03 $159.52 −29%
Oversea-Chinese Banking Corporation O39 32.14 SGD 19.80 SGD −38%

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KakaoBank Corp · Fair Value
11,087 KRW −80%Fair Value
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Cite: Fair Value Calculator (2026). "KakaoBank Corp Fair Value". https://www.fairvalue-calculator.com/stock/323410

Frequently asked questions

Is KakaoBank Corp (323410) overvalued or undervalued?
As of Sep 24, 2026, our model estimates a fair value of 11,087 KRW versus a price of 19,920 KRW, about −44% upside (overvalued).
What is the fair value of 323410?
Our model-based fair value for KakaoBank Corp is 11,087 KRW (as of Sep 24, 2026), built from audited fundamentals. The current price: 19,920 KRW.
What is the quality score of 323410?
KakaoBank Corp has a Quality Score of 61/100. 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 KakaoBank Corp (323410)?
Our model-based price target is the fair value of 11,087 KRW (as of Sep 24, 2026) from 6 valuation models. Cautious scenario 10,781 KRW, optimistic scenario 11,087 KRW. It is a calculation from audited fundamentals, not an analyst target.
What is the KakaoBank Corp stock forecast for 2026?
Our models put fair value at 11,087 KRW, about −44% upside versus a price of 19,920 KRW (overvalued). Cautious scenario 10,781 KRW, optimistic scenario 11,087 KRW. The calculation is refreshed regularly with new filings.
What is the revenue of KakaoBank Corp (323410)?
KakaoBank Corp reported trailing-twelve-month revenue of about 1.8T KRW (latest available figure, as of Sep 24, 2026).
Does KakaoBank Corp pay a dividend?
KakaoBank Corp currently shows a dividend yield of about 2.31% relative to its recent price (as of Sep 24, 2026).
What is the intrinsic value of KakaoBank Corp (323410)?
Intrinsic value and fair value mean the same thing: what the business is worth on its numbers, independent of the share price. For KakaoBank Corp it is 11,087 KRW per share (as of Sep 24, 2026), against a price of 19,920 KRW. It is the blended result of 6 valuation models (cash flow, earnings, asset, dividend).
Is KakaoBank Corp stock overvalued or undervalued in 2026?
As of Sep 24, 2026, 323410 trades above its calculated fair value: price 19,920 KRW, fair value 11,087 KRW, a gap of about −44% (overvalued). 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 323410?
No. The price is what the market pays today (19,920 KRW); the fair value is what the company's own numbers justify (11,087 KRW). For KakaoBank Corp the two are 8,833 KRW per share apart. That gap is exactly why we show both numbers side by side.
How much is KakaoBank Corp worth?
The market values KakaoBank Corp at about 10.9T KRW (market capitalisation, as of Sep 24, 2026). Per share that is 19,920 KRW; our models calculate a fair value of 11,087 KRW per share.
What do the bullish and bearish scenarios say about 323410?
Our models span a range for KakaoBank Corp: cautious scenario 10,781 KRW, base 11,087 KRW, optimistic 11,087 KRW per share (as of Sep 24, 2026, price 19,920 KRW). The range comes from different growth and margin assumptions, not from analyst opinions.
How solid is the balance sheet of KakaoBank Corp (323410)?
Balance-sheet figures for KakaoBank Corp (as of Sep 24, 2026): return on equity 8.1%. They feed the Quality Score of 61/100, which measures business quality independently of the share price.
How far is 323410 from its 52-week high?
KakaoBank Corp trades at 19,920 KRW, about 29% below its 52-week high of 28,229 KRW and 1% above the low of 19,750 KRW (as of Sep 23, 2026). Distance from the high says nothing about value: that is what the fair value of 11,087 KRW is for.
Which stocks are comparable to KakaoBank Corp?
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 KakaoBank Corp stock attractive at the current price?
The data as of Sep 24, 2026: price 19,920 KRW, calculated fair value 11,087 KRW (−44%), Quality Score 61/100, 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 323410 calculated?
We run KakaoBank Corp 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 11,087 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 13.0 % above its aggregate fair value. KakaoBank Corp itself currently trades above fair value. 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 KakaoBank Corp (323410)?
The closing price on Sep 23, 2026 was 19,920 KRW. Our model-based fair value is 11,087 KRW, about −44% upside (overvalued). We carry closing prices from our data provider, not a live tick.
What should I pay attention to with KakaoBank Corp right now?
The price sits above even our optimistic bull case (11,087 KRW). The favourable scenario is already priced in. Solid but not exceptional quality (61/100) and above fair value, neither a clear bargain nor a standout compounder. The models converge in a tight band (10,781 KRW to 11,087 KRW), unusually little disagreement for a valuation. 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 KakaoBank Corp

How large is the market capitalisation of KakaoBank Corp (323410)?
The market capitalisation of KakaoBank Corp is 10.9T KRW (≈ $8.0B). 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 KakaoBank Corp (323410)?
The price-to-sales ratio of KakaoBank Corp is 6.18 (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 KakaoBank Corp (323410)?
The dividend yield of KakaoBank Corp is 2.3%. 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 KakaoBank Corp (323410)?
The net margin of KakaoBank Corp is 30.2% (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 KakaoBank Corp (323410)?
The return on equity (ROE) of KakaoBank Corp is 8.1% (last twelve months). Profit relative to shareholders' equity, how efficiently the company works with its owners' money.
What is the return on assets of KakaoBank Corp (323410)?
The return on assets (ROA) of KakaoBank Corp is 0.7% (last twelve months). Profit relative to everything the company owns. Harder to inflate than return on equity because debt does not boost it.
What is the operating margin of KakaoBank Corp (323410)?
The operating margin of KakaoBank Corp is 56.5% (last twelve months). Profit from the core business (before interest and taxes) relative to revenue.
How fast is revenue growing at KakaoBank Corp (323410)?
Revenue at KakaoBank Corp is growing +24.4% versus a year earlier (3y avg +16.2%). 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 KakaoBank Corp (323410)?
Earnings per share at KakaoBank Corp are growing +36.3% versus a year earlier. How much earnings per share grew versus a year earlier.
How much free cash flow does KakaoBank Corp (323410) generate?
The free cash flow of KakaoBank Corp is 5.9T KRW (fiscal year 2025). The cash truly left after running and investing in the business, this is what pays dividends and buybacks.
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