Hana Financial Group Inc. (086790.KS) stock analysis

In our weekly check, Hana Financial Group Inc. is graded D (A to F). Of 25 checks on debt, profit, cash flow and trend: 12 pass, warnings: 1, red flags: 12.

About Hana Financial Group Inc.

Hana Financial Group Inc. is a Financial Services company (Banks) based in South Korea, listed on KSC as 086790.KS.

What our checks show for 086790.KS

Red flags

• The net margin fell by 10.2 points over 5 years, to 14.5%: the company keeps less of each sale as profit.
• The gross margin fell by 24 points, to 52%: costs are rising faster than prices.
• Operating cash flow is negative while the company reports a profit: the profit does not arrive as cash.
• Analysts expect revenue to shrink about 20.6% a year.
• Free cash flow is negative (-242% of revenue): the business spends more cash than it brings in.
• The dividend takes 41489% of profit: little cushion if profit falls.
• The stock has fallen as much as 77% from a peak. Would you have held through that?
• Recovering from its deepest fall took about 8.8 years.
• Return on capital (ROCE) is only 0.9%.
• Pay in shares equals 0% of free cash flow: it dilutes shareholders.

Warning signs

• The price swings a lot: 40.1% annual volatility. Expect large ups and downs.

Strengths

• Analysts expect earnings per share to grow about 10.4% a year over the next years.
• Analysts expect the net margin to improve by 25.2 points from today's 14.5%.
• The price is 7.7 times earnings (P/E), reasonable for its growth.
• A large company: market value $23.45 billion.

Similar companies

055550.KS · 105560.KS · 316140.KS

Questions

What grade does Hana Financial Group Inc. (086790.KS) have?

In our weekly check, Hana Financial Group Inc. is graded D (A to F). Of 25 checks on debt, profit, cash flow and trend: 12 pass, warnings: 1, red flags: 12. The grade is a risk check, not a buy or sell recommendation.

What are the main risks of 086790.KS stock?

This week's biggest flags for Hana Financial Group Inc.: Margins falling, Gross margin falling, Profits not backed by cash. In total 13 of 25 checks show a warning or a red flag.

What does Hana Financial Group Inc. do?

Hana Financial Group Inc. is a Financial Services company (Banks) based in South Korea, listed on KSC as 086790.KS.

The grade is a risk check, not a price forecast, and not investment advice. In our 10-year test (S&P 500, 2016-2026), stocks we graded A or B fell more than 30% 2-3 times less often than D or F, without a lower average return.

Updated 2026-10-24

Open the full analysis