Kbank
Price chart
- MA5
- MA20
- MA60
Each day's close multiplied by the listed share count of this share class alone, sampled weekly. It is the figure for this issue only, not a combined total across common and preferred shares.
Overview
Summary
Kbank is a joint-stock company established on January 7, 2016. The company is listed on the KOSPI market.
The company operates as an internet-only bank providing non-face-to-face financial services. Its business segments include deposit products, loan products, and platform services. It distributes these services through digital channels and partnerships with external providers.
Business overview as filed
당행은 인터넷전문은행으로서 비대면 기반의 다양한 여수신 및 플랫폼 사업을 추진하고 있습니다. 단순히 은행 업무를 디지털로 전환하는 것을 넘어, AI, Big Data, Cloud 등 기술을 기반으로 더 큰 혜택과 재미를 제공하고, 복잡한 절차를 간소화하여 고객 편의성을 극대화하고 있습니다. 이밖에도 다양한 파트너십을 기반으로, 통신, 증권, 가상자산 등 생활 전반의 제휴 서비스를 통해 차별화된 고객경험을 제공하고 있습니다. 앞으로도 더 혁신적이고 안정적인 서비스를 제공하는 금융 플랫폼으로 진화해나갈 것입니다.
Company overview
가. 연결대상 종속회사 개황작성기준일 현재 해당사항 없습니다.(1) 연결대상 종속회사 현황(요약)
(2) 연결대상회사의 변동내용
나. 회사의 법적ㆍ상업적 명칭당행의 명칭은 주식회사 케이뱅크이며, 영문명은 Kbank 입니다.
다. 설립일자 및 존속기간당행은 2016년 1월 7일 설립되었고, 2016년 12월 14일 은행업 인가를 획득하여2017년 4월 3일 대고객 영업을 시작하였습니다.
라. 본사의 주소, 전화번호 및 홈페이지 주소
마. 회사사업 영위의 근거가 되는 법률- 은행법- 인터넷전문은행 설립 및 운영에 관한 특례법- 외국환거래법- 예금자보호법- 금융회사의 지배구조에 관한 법률- 전자금융거래법 등
바. 중소기업 등 해당 여부
사. 주요 사업의 내용
당행은 국내 1호 인터넷전문은행으로, 비대면 기반의 다양한 금융 상품과 서비스를 제공하고 있습니다. 수신 상품에는 일반적인 예적금 상품 외에 차별적 혜택과 편의성을 겸비한 생활통장과 플러스박스, 챌린지박스 등이 있고, 여신 상품으로는 신용대출, 마이너스통장, 주택담보대출, 개인사업자대출, 자동차대출 등을 제공하고 있습니다. 이밖에도 다양한 분야의 파트너와 제휴를 기반으로 증권계좌, 신용카드 등 서비스를 제공 중입니다.
아. 신용평가에 관한 사항작성기준일 현재 해당사항 없습니다.
자. 회사의 주권상장(또는 등록ㆍ지정) 및 특례상장에 관한 사항
주1) 당행은 2026년 3월 5일 유가증권시장에 주권을 상장하였습니다.
Transcribed verbatim from the sentences the filer wrote in the fiscal 2025 business report (received 2026.03.23), tables and figures omitted.
- The summary is written separately from the filed text and is not the filer's wording, so it may phrase things differently from or omit parts of the original, which is shown alongside for checking.
- The company introduction reproduces the sentences the filer wrote in its business report, with tables, figures and the sentences that point to other sections of the report omitted, and the accuracy of their content has not been separately verified.
The conditions for computing a value are not met over this window, which happens when the listing is short, turnover is thin, or halts are frequent.
Characteristic line
No window of this issue can carry a characteristic line yet.
Each point is one period's index excess return and issue excess return, and the line is the regression fitted to those points. The risk-free rate is the certificate of deposit rate.
- Beta summarizes by regression how far the issue's return moved together with the KOSPI200 or KOSDAQ150 index return, and the index is only a stand-in for the whole market.
- The intercept is the average excess return the index does not explain, and when the interval shown beside it contains zero it cannot be told apart from zero.
- Beta and the intercept are computed from the sample of the chosen window and frequency and are not values for the period ahead.
- At the daily frequency a beta corrected for differences in trading times is shown alongside, and the gap between the two shows how much later than the index the issue's trades are reflected.
Financials
| 2022 | 2023 | 2024 | 2025 | TTM | |
|---|---|---|---|---|---|
| Interest incomeKRW 100M | 5,219 | 8,741 | 10,309 | 10,796 | 10,966 |
| Revenue growth% | — | 67.48 | 17.94 | 4.72 | — |
| Operating incomeKRW 100M | 919 | 165 | 1,330 | 1,171 | 911 |
| Operating income growth% | — | -82.09 | 707.62 | -11.94 | — |
| Net incomeKRW 100M | 836 | 128 | 1,281 | 1,126 | 884 |
| Net income growth% | — | -84.67 | 899.48 | -12.06 | — |
| Attributable to owners | Not applicable | Not applicable | Not applicable | Not applicable | Not applicable |
| Attributable to minorities | Not applicable | Not applicable | Not applicable | Not applicable | Not applicable |
| Operating margin% | 17.61 | 1.88 | 12.90 | 10.85 | 8.31 |
| Net margin% | 16.01 | 1.47 | 12.42 | 10.43 | 8.06 |
| ROE | Not applicable | Not applicable | Not applicable | Not applicable | Not applicable |
| ROA% | 0.50 | 0.06 | 0.41 | 0.35 | 0.28 |
| Debt ratio% | 825.03 | 1,047.46 | 1,462.42 | 1,367.21 | 1,191.83 |
| Reserve ratio% | -1.47 | -0.78 | 6.03 | — | 18.51 |
| Free cash flowKRW 100M | 3,574 | -5,234 | 18,387 | 5,962 | — |
| FCF margin% | 68.48 | -59.88 | 178.35 | 55.22 | — |
| OCF conversion% | 437.98 | -4,009.97 | 1,444.46 | 547.62 | — |
| Capex to revenue% | 1.65 | 1.11 | 1.07 | 1.90 | — |
| EPSKRW | 222 | 34 | 341 | 294 | — |
| PER | Not applicable | Not applicable | Not applicable | Not applicable | Not applicable |
| BPS | Not applicable | Not applicable | Not applicable | Not applicable | Not applicable |
| PBR | Not applicable | Not applicable | Not applicable | Not applicable | Not applicable |
| Dividend per share | Not applicable | Not applicable | Not applicable | Not applicable | Not applicable |
Separate basis
Margins%
Cash flow by activityKRW 100M
Quarterly resultsKRW 100M
Year-on-year growth%
Each quarterly bar is that quarter's three months and is never mixed with an annual figure. The growth rate is computed only where the same quarter a year earlier is also shown here, and is left blank when the base was a loss.
Free cash flow breakdownKRW 100M
Free cash flow is cash from operating activities less spending on property, plant and equipment, and all three bars keep the sign as filed.
Owners' net margin%
Asset turnoverx
Financial leveragex
ROE%
ROE is the product of the owners' net margin, asset turnover and financial leverage. All three use period-end balances as denominators, and profit and equity are on the owners' basis, so the product matches the ROE in the table.
Financial statements
Balance sheet
| 2022 | 2023 | 2024 | 2025 | |
|---|---|---|---|---|
| 166,313 | 214,218 | 311,834 | 318,643 | |
| Cash and cash equivalentsKRW 100M | 4,369 | 7,080 | 10,153 | 14,135 |
| Property, plant and equipmentKRW 100M | 372 | 402 | 466 | 517 |
| Intangible assetsKRW 100M | Not applicable | Not applicable | Not applicable | Not applicable |
| Total liabilitiesKRW 100M | 148,334 | 195,549 | 291,876 | 296,925 |
| 17,979 | 18,669 | 19,958 | 21,718 | |
| Not applicable | Not applicable | Not applicable | Not applicable | |
| Issued capitalKRW 100M | 18,785 | 18,785 | 18,785 | 18,785 |
| Capital surplusKRW 100M | 2,638 | 0 | 0 | Not applicable |
| Retained earningsKRW 100M | -2,913 | -147 | 1,133 | 2,236 |
| Accumulated other comprehensive incomeKRW 100M | -549 | 13 | 21 | -326 |
| Non-controlling interestsKRW 100M | Not applicable | Not applicable | Not applicable | Not applicable |
| 상각후원가측정대출채권As filed | 115,647 | 164,266 | 244,045 | 240,653 |
| 상각후원가측정유가증권As filed | 12,274 | 13,210 | 12,847 | 12,762 |
| 당기법인세자산As filed | 13 | 129 | 140 | 195 |
| 기타포괄손익-공정가치측정금융자산As filed | 28,853 | 20,439 | 36,069 | 44,565 |
| 당기손익-공정가치측정금융자산As filed | 2,014 | 4,051 | 3,555 | 1,002 |
| 무형자산As filed | 272 | 314 | 389 | 633 |
| 기타금융자산As filed | 2,481 | 4,302 | 4,134 | 4,007 |
| 기타자산As filed | 0 | 10 | 22 | 173 |
| 확정급여자산As filed | 19 | 14 | 13 | 0 |
| 자본조정As filed | 19 | 18 | 19 | 24 |
| 신종자본증권As filed | — | — | — | 999 |
| 대손준비금 환입(전입) 필요액As filed | -16 | 218 | 24 | — |
| 대손준비금 미적립액As filed | -406 | -422 | -204 | — |
| 대손준비금 적립액As filed | — | — | -180 | — |
| (대손준비금 환입(전입) 필요액)As filed | — | — | — | 132 |
| 자본과부채총계As filed | 166,313 | 214,218 | 311,834 | 318,643 |
| 대손준비금 전입예정액As filed | — | — | -180 | — |
| (대손준비금 적립액)As filed | — | — | — | 180 |
| 예수부채As filed | 146,054 | 190,676 | 285,687 | 284,319 |
| (대손준비금 전입예정액)As filed | — | — | — | 132 |
| 기타금융부채As filed | 2,230 | 4,709 | 6,057 | 6,354 |
| (대손준비금 미적립액)As filed | — | — | — | 0 |
| 기타부채As filed | 28 | 26 | 24 | 50 |
| 충당부채As filed | 22 | 138 | 107 | 88 |
| 차입부채As filed | — | — | — | 6,100 |
| 확정급여부채As filed | — | — | — | 14 |
Income statement
| 2022 | 2023 | 2024 | 2025 | |
|---|---|---|---|---|
| 5,219 | 8,741 | 10,309 | 10,796 | |
| Interest expenseKRW 100M | 1,367 | 4,237 | -5,494 | 6,354 |
| Net interest incomeKRW 100M | 3,852 | 4,504 | 4,815 | 4,442 |
| Net fee and commission incomeKRW 100M | 30 | 23 | -3 | -26 |
| Provision for credit lossesKRW 100M | 1,361 | 2,927 | -2,468 | 2,125 |
| Operating incomeKRW 100M | 919 | 165 | 1,330 | 1,171 |
| 919 | 148 | 1,328 | 1,136 | |
| Income tax expenseKRW 100M | 83 | 20 | -47 | 10 |
| 836 | 128 | 1,281 | 1,126 | |
| Attributable to ownersKRW 100M | Not applicable | Not applicable | Not applicable | Not applicable |
| Attributable to minoritiesKRW 100M | Not applicable | Not applicable | Not applicable | Not applicable |
| Basic earnings per shareKRW | 222 | 34 | 341 | 294 |
| Diluted earnings per shareKRW | Not applicable | Not applicable | Not applicable | Not applicable |
| 587 | 690 | 1,289 | 778 | |
| Other comprehensive incomeKRW 100M | -249 | 562 | 8 | -348 |
| 대손준비금 반영 후 조정이익As filed | — | — | 1,304 | 994 |
| 대손준비금 반영후 조정이익As filed | 819 | 346 | — | — |
| 당기손익-공정가치측정금융자산관련이익As filed | 34 | 316 | 616 | 841 |
| 영업외손익As filed | -1 | -17 | -2 | -35 |
| 수수료비용As filed | 290 | 332 | -531 | 635 |
| 수수료수익As filed | 320 | 354 | 527 | 609 |
| 일반관리비As filed | 1,370 | 1,385 | -1,826 | 2,279 |
| 기타포괄손익-공정가치측정금융자산평가손익As filed | -252 | 566 | 18 | — |
| 확정급여제도의 재측정요소As filed | 3 | -4 | -10 | -61 |
| 기타영업손익As filed | -267 | -366 | 196 | 318 |
| 당기손익으로 재분류되는 세후기타포괄손익As filed | — | — | — | -292 |
| 세후기타포괄손익, 기타포괄손익-공정가치로 측정되는 금융자산As filed | — | — | — | -292 |
| 당기손익으로 재분류 되지않는 세후기타포괄손익As filed | — | — | — | -56 |
| 기타포괄손익-공정가치측정지분상품평가손익As filed | — | — | — | 5 |
Cash flow statement
| 2022 | 2023 | 2024 | 2025 | |
|---|---|---|---|---|
| Net incomefrom the income statement | 836 | 128 | 1,281 | 1,126 |
| Total adjustments to operating cash flowcomputed | 2,824 | -5,266 | 17,216 | 5,041 |
| 3,660 | -5,138 | 18,497 | 6,167 | |
| Interest receivedKRW 100M | 5,041 | 8,377 | 10,050 | 10,355 |
| Interest paidKRW 100M | 884 | 3,432 | 5,218 | 6,416 |
| Income taxes paidKRW 100M | 65 | 136 | 61 | 59 |
| -4,536 | 7,893 | -15,377 | -9,200 | |
| Purchase of property, plant and equipmentKRW 100M | 86 | 97 | 110 | 205 |
| Proceeds from sale of property, plant and equipmentKRW 100M | 0 | 0 | 0 | 0 |
| Purchase of intangible assetsKRW 100M | 124 | 142 | 169 | 363 |
| -48 | -44 | -47 | 7,015 | |
| Issue of sharesKRW 100M | 0 | 0 | — | — |
| 5,292 | 4,369 | 7,080 | 10,153 | |
| Effect of exchange rate changesKRW 100M | Not applicable | Not applicable | Not applicable | Not applicable |
| Net change in cash and cash equivalentsKRW 100M | -923 | 2,712 | 3,073 | 3,982 |
| 현금및현금성자산As filed | 4,369 | 7,080 | 10,153 | 14,135 |
| 리스부채의 상환As filed | 48 | 44 | 47 | 61 |
| 신종자본증권의 발행As filed | — | — | — | 999 |
| 신종자본증권 배당금의 지급As filed | — | — | — | 23 |
| 임차보증금의 감소As filed | 3 | 1 | 6 | 0 |
| 임차보증금의 증가As filed | 5 | 4 | 6 | 9 |
| 차입부채의 순증감As filed | — | — | — | 6,100 |
| 상각후원가측정유가증권의 상환As filed | — | — | 400 | 600 |
| 기타포괄손익-공정가치측정금융자산의 처분As filed | 7,924 | 21,920 | 32,168 | 32,633 |
| 상각후원가측정유가증권의 취득As filed | 12,247 | 900 | 0 | 478 |
| 기타포괄손익-공정가치측정금융자산의 취득As filed | 0 | 12,885 | 47,667 | 41,379 |
| 복구비용의 지출As filed | 0 | 0 | — | — |
| 기타자산의 감소As filed | 0 | 0 | — | — |
| 무형자산의 처분As filed | — | — | 2 | 0 |
| 기타자산의 증가As filed | 0 | 0 | — | — |
| 영업에서 창출된 현금흐름As filed | -431 | -9,947 | 13,725 | 2,287 |
| 영업활동으로 인한 자산 부채의 변동As filed | — | — | 14,637 | 3,147 |
| 손익조정항목As filed | -3,769 | -4,484 | -4,768 | — |
| 영업활동으로 인한 자산부채의 변동As filed | 891 | -8,718 | — | — |
| 현금유출입이 없는 비용 및 수익 등의 조정As filed | — | — | 2,576 | — |
| 당기순이익조정을 위한 가감 합계As filed | -2,158 | -1,357 | — | — |
| 당기순이익As filed | 836 | 128 | 1,281 | 1,126 |
| 현금유출입이 없는 비용 및 수익의 조정As filed | 1,611 | 3,127 | — | — |
| 배당금 수입As filed | — | — | 0 | 0 |
| 당기순이익조정을 위한 가감As filed | — | — | — | -1,986 |
In the latest fiscal year operating and financing activities brought cash in while investing activities spent it.
A year whose own filing is absent is filled from the restated comparative in the following filing, and is marked as such. Operating indicators outside the statements, such as order backlogs, and audit opinions are not covered here, and per-share figures follow the filed values without retroactive adjustment for share splits.
Transcribed verbatim from the sentences the filer wrote in the fiscal {year} business report (received {date}), with tables, figures and cross-references to other sections omitted.
The newest annual filing shown was received on 2026.03.23.
Audit opinion
| Fiscal year | Opinion | Auditor | Fiscal year end |
|---|---|---|---|
| 2022 | 적정Term 7 | 안진회계법인 | 2022-12-31 |
| 2021 | 적정Term 6 | 삼정회계법인 | 2022-12-31 |
| 2020 | 적정Term 5 | 삼정회계법인 | 2022-12-31 |
The auditor's name and the opinion are transcribed verbatim from the filed audit report, and the wording follows the filer. A fiscal year shown twice means the filing carried two entries that the source does not distinguish.
Korean audit opinions come in four kinds, where an unqualified opinion (적정) finds the statements fairly presented, a qualified opinion (한정) does so except for a stated matter, an adverse opinion (부적정) finds them not fairly presented, and a disclaimer of opinion (의견거절) means the auditor could not obtain enough evidence to form a view.
Valuation
Valuation multiplesx
PER and PBR divide each period's closing price by the per-share figure filed for that same period, and a loss period is left blank. The quarterly view is a multiple of quarterly EPS.