KakaoBank Corp. (323410.KS) stock analysis

In our weekly check, KakaoBank Corp. is graded C (A to F). Of 25 checks on debt, profit, cash flow and trend: 13 pass, warnings: 3, red flags: 9.

About KakaoBank Corp.

KakaoBank Corp. is a Financial Services company (Banks - Regional) based in South Korea, listed on KSC as 323410.KS.

What our checks show for 323410.KS

Red flags

• The net margin fell by 5.1 points over 5 years, to 18.5%: the company keeps less of each sale as profit.
• The gross margin fell by 24.1 points, to 56.8%: 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 13.1% a year.
• Free cash flow is negative (-364% of revenue): the business spends more cash than it brings in.
• The stock has fallen as much as 83% from a peak. Would you have held through that?
• 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: 40.3% annual volatility. Expect large ups and downs.
• The stock is still below its previous peak.
• Beta 1.38: the stock usually moves more than the market, both up and down.

Strengths

• Analysts expect earnings per share to grow about 12.3% a year over the next years.
• Analysts expect the net margin to improve by 16.7 points from today's 18.5%.
• Revenue grew 29.1% a year over the last 3 years.
• Earnings per share grew 27.4% a year over the last 3 years.
• Net profit grew 27.4% a year over the last 3 years.
• The dividend takes 40% of profit: there is a cushion.

Next earnings report: 2026-11-04

Similar companies

SBIN.NS · 7182.T · OTP.BD · BCI.SN · 6178.T · 024110.KS

Questions

What grade does KakaoBank Corp. (323410.KS) have?

In our weekly check, KakaoBank Corp. is graded C (A to F). Of 25 checks on debt, profit, cash flow and trend: 13 pass, warnings: 3, red flags: 9. The grade is a risk check, not a buy or sell recommendation.

What are the main risks of 323410.KS stock?

This week's biggest flags for KakaoBank Corp.: Margins falling, Gross margin falling, Profits not backed by cash. In total 12 of 25 checks show a warning or a red flag.

What does KakaoBank Corp. do?

KakaoBank Corp. is a Financial Services company (Banks - Regional) based in South Korea, listed on KSC as 323410.KS.

When does KakaoBank Corp. report earnings next?

The next earnings report is expected on 2026-11-04. We re-run the checks every week, so the grade can change after it.

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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