BNK Financial Group Inc (138930) Fair Value & Analysis
Financial Services · KR · Market cap 5.7T KRW (≈ $4.0B) · ISIN KR7138930003
What is BNK Financial Group Inc really worth?
Below-average quality, trading 48% below our fair value of 29,700 KRW.
Strengths
Risks
For context
Fair value as of: Aug 13, 2026
From 6 valuation models · updated 22 days ago
Fair value updated Aug 13, 2026, revised from 34,142 KRW to 29,700 KRW (−13.0%) since Jul 16, 2026. Share price +2.8% over the past month.
What runs behind every stock
69 individual criteria per stock, every one traceable See the method →
What matters now
- The large discount to fair value meets weak quality (44/100). That raises the risk this is a value trap rather than a bargain.
- The price is below even our cautious bear case (22,275 KRW). The market is more pessimistic than our downside scenario.
- For a financial, book-value and earnings-based methods matter more than a cash-flow DCF, which fits banks and insurers poorly.
Price vs Fair Value (5 years)
White line = price, green steps = our fair value per fiscal year, dashed = 300-day average. As of Aug 13, 2026.
How to read this chart
60‑month range 4,582 KRW – 22,065 KRW · fair‑value band 22,275 KRW – 37,125 KRW · the 15,390 KRW price screens below the 29,700 KRW fair value. Green steps = our fair value per fiscal year (point-in-time, no hindsight). Dashed = 300-day average. As of Aug 13, 2026.
Analysis
BNK Financial Group Inc (138930) currently trades at 15,390 KRW, while our model-based Fair Value estimate is 29,700 KRW, implying the stock looks roughly 48.2% undervalued today. The Quality Score stands at 44/100 (below-average quality), in the Financial Services sector. Bull case: the Multiples group reads highest at a median of 34,142 KRW per share, and 6 of the 6 models we run sit above the 15,390 KRW price. Bear case: the Dividend Discount group reads lowest at 15,433 KRW, and 0 of the 6 models stay below the price. Evidence for this calculation is medium.
Trailing-twelve-month revenue stands at 5.4T KRW. Revenue grew 21.3% year over year. It earns a return on equity of 7.5%. Net debt stands at 17.2T KRW. Fundamentals as of Aug 13, 2026
Our scenario range runs from 22,275 KRW (bear case) to 37,125 KRW (bull case); at 15,390 KRW, the current price sits below that range. Bear and bull are the same models run on conservative and optimistic assumptions (margins, growth, valuation multiples), so a plausible valuation range, not a price target. The share trades about 31% below its 52-week high and 43% above its 52-week low, currently below its 200-day average. For context, the median of 10 Financial Services peers we cover trades at −10% fair-value upside, at 93%, 138930 screens cheaper than that median.
Fair Value models
Each model estimates fair value its own way; the Fair Value above is the evidence-weighted, family-balanced blend. Evidence (0–100) measures how completely this model’s inputs are available: well-fed models carry more weight in the blend. The spread across models is intentional, each one stresses a different value driver; dividend models, for instance, come out structurally low when payout is small. Every input is real reported data, nothing guessed.
All 6 models by family
Widest divergence: Multiples (34,142 KRW) versus Dividend Discount (15,433 KRW). Highest evidence: Residual Income (76).
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Key figures & financial health
More key figures
Figures from reported company fundamentals · as of Aug 13, 2026. TTM = trailing twelve months.
Quality Score breakdown
Of which business quality 38 · Market factors (momentum, volatility) 42
Non-valuation factor families (profitability, growth, cashflow, financial strength, momentum …), each academically grounded. Valuation itself sits in the Fair Value and is deliberately excluded here to avoid double-counting.
All values are scores from 0 to 100 (100 = best against fixed, research-based bands), not percentages. The three market factors (momentum, 52-week proximity, low volatility) are displayed but carry zero weight in the headline number: market sentiment is not a business property.
About the company
BNK Financial Group Inc., together with its subsidiaries, provides various financial products and services in South Korea and internationally.
Full company description
BNK Financial Group Inc., together with its subsidiaries, provides various financial products and services in South Korea and internationally. The company is involved in banking; specialized credit financial; investment brokerage and trading; financial advisory and collective investment; credit investigation and collection agency; start-up investment company advisory; and leasing activities. It also operates as a savings bank; small loan specialty; and provides system software development and supply services. The company was formerly known as BS Financial Group Inc. and changed its name to BNK Financial Group Inc. in April 2015. BNK Financial Group Inc. was founded in 1967 and is headquartered in Busan, South Korea.
Company description, as reported by the company or data provider.
Revenue & earnings trend
FY2021 – FY2025 · reported fiscal years
BNK Financial Group Inc reported revenue of 4.0T KRW in FY2025 versus 3.5T KRW in FY2021, a compound +3.9%/yr. Reported net income was 815B KRW in FY2025, compounding +0.7%/yr from FY2021.
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Peer Group
Banks - Regional · 1071 stocks
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.
Strength profile in five axes (Snowflake)
Five quick dimensions, each 0 to 100: VALUE (fair-value potential), FUTURE (revenue growth), PAST (return on equity), HEALTH (low debt), DIVIDEND (yield). Green = this stock, grey = typical sector peer.
Values & ESG
Does this company touch areas you may want to avoid? The classification is inferred from sector and industry.
Similar stocks
10 more Banks - Regional stocks, each showing price versus our Fair Value estimate (as of Aug 13, 2026).
| Stock | Price | Fair Value | vs Fair Value |
|---|---|---|---|
| DBS Group D05 | 75.65 SGD | 40.48 SGD | −46% |
| China Merchants Bank Co 3968 | HK$47.96 | HK$76.51 | +60% |
| Intesa Sanpaolo S.p.A ISP | €6.78 | €5.66 | −17% |
| HDFC Bank Limited HDB | $23.17 | $24.12 | +4% |
| BNP Paribas SA BNP | €102.56 | €144.64 | +41% |
| UniCredit S.p.A UCG | €84.71 | €77.62 | −8% |
| Mizuho Financial Group MFG | $10.74 | $9.69 | −10% |
| ICICI Bank Limited ICICIBANK | ₹1,443 | ₹835.21 | −42% |
| Oversea-Chinese Banking Corporation O39 | 31.07 SGD | 19.80 SGD | −36% |
| CaixaBank, S.A CABK | €13.52 | €8.85 | −35% |
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