BNK Financial Group Inc. (138930.KS) stock analysis

In our weekly check, BNK Financial Group Inc. is graded D (A to F). Of 25 checks on debt, profit, cash flow and trend: 14 pass, warnings: 2, red flags: 9.

About BNK Financial Group Inc.

BNK Financial Group Inc. is a Financial Services company (Banks - Regional) based in South Korea, listed on KSC as 138930.KS.

What our checks show for 138930.KS

Red flags

• The net margin fell by 6.8 points over 5 years, to 11.1%: the company keeps less of each sale as profit.
• The gross margin fell by 24.5 points, to 53.4%: costs are rising faster than prices.
• Analysts expect revenue to shrink about 20.3% a year.
• The dividend takes 40865% of profit: little cushion if profit falls.
• The stock has fallen as much as 78% from a peak. Would you have held through that?
• Recovering from its deepest fall took about 5.6 years.
• Return on capital (ROCE) is only 0.6%.

Warning signs

• Operating cash flow is only 0.66x net profit: part of the reported profit does not arrive as cash.
• The price swings a lot: 42.6% annual volatility. Expect large ups and downs.

Strengths

• Analysts expect the net margin to improve by 14 points from today's 11.1%.
• The price is 6.2 times earnings (P/E), reasonable for its growth.
• Beta 0.32: the stock usually moves less than the market.
• Pay in shares is only 0% of free cash flow.

Similar companies

AXISBANK.NS · 8309.T · KOTAKBANK.NS · 8308.T · 6178.T · 7186.T

Questions

What grade does BNK Financial Group Inc. (138930.KS) have?

In our weekly check, BNK Financial Group Inc. is graded D (A to F). Of 25 checks on debt, profit, cash flow and trend: 14 pass, warnings: 2, red flags: 9. The grade is a risk check, not a buy or sell recommendation.

What are the main risks of 138930.KS stock?

This week's biggest flags for BNK Financial Group Inc.: Margins falling, Gross margin falling, Weak revenue forecast. In total 11 of 25 checks show a warning or a red flag.

What does BNK Financial Group Inc. do?

BNK Financial Group Inc. is a Financial Services company (Banks - Regional) based in South Korea, listed on KSC as 138930.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 2026-10-31

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