Dgb Financial (139130) fair value: what the stock is really worth
We calculate from audited financials what Dgb Financial is really worth. The fair value tells you whether the price is too high or too low, the quality score (0 to 100) how solid the business behind it is. 26 models, 37 quality factors, updated daily.
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Price vs Fair Value
White line = price, green steps = our fair value per fiscal year, dashed = 300-day average. As of Sep 20, 2026.
How to read this chart
60‑month range 5,300 KRW – 20,905 KRW · fair‑value band 30,840 KRW – 39,143 KRW · the 18,070 KRW price screens below the 35,052 KRW fair value. Green steps = our fair value per fiscal year (point-in-time, no hindsight). Dashed = 300-day average. As of Sep 20, 2026.
iM Financial Group Co., Ltd., through its subsidiaries, engages in the provision of various banking products and services in South Korea. The company offers deposit products; loans; financial products, including fund and bancassurance; and foreign exchange, asset management, and internet banking services.
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iM Financial Group Co., Ltd., through its subsidiaries, engages in the provision of various banking products and services in South Korea. The company offers deposit products; loans; financial products, including fund and bancassurance; and foreign exchange, asset management, and internet banking services. It also provides investment trading and brokerage, discretionary investment, investment advisory, and trust services; and insurance contract loans, etc., as well as sells insurance products, including coverage, endowment, pension, and variable. In addition, the company is involved in the collective investment services; issuing and managing prepaid electronic payment and payment gateway solutions; and facility and automobile rental, installment and automobile finance, corporate and personal loan, and technology business finance services. Further, it engages in the development, operation, maintenance, and integration of information systems; sale, rental, and maintenance of information equipment and software; IT consulting; IT related education; e-commerce; and internet related businesses. Additionally, the company provides claim collection, credit investigation, lease inspection, and civil affairs agency services; venture investment and support; and fintech, digital asset management, software development, and education solutions; and merger and acquisition, and investment services. The company was formerly known as DGB Financial Group Co., Ltd. and changed its name to iM Financial Group Co., Ltd. in March 2025. iM Financial Group Co., Ltd. was founded in 1967 and is based in Daegu, South Korea.
Stock analysis
Dgb Financial (139130) currently trades at 18,070 KRW, while our model-based Fair Value estimate is 35,052 KRW, implying the stock looks roughly 48.4% undervalued today.
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Valuation
Bull case: the Multiples group reads highest at a median of 36,440 KRW per share, and 4 of the 6 models we run sit above the 18,070 KRW price.
Bear case: the Dividend Discount group reads lowest at 11,590 KRW, and 2 of the 6 models stay below the price. Evidence for this calculation is medium.
Scenario range: 30,840 KRW (bear) to 39,143 KRW (bull), the price of 18,070 KRW sits below it. Bear and bull are the same models on cautious and optimistic assumptions, a range, not a price target.
Quality & growth
The Quality Score stands at 46/100 (below-average quality), in the Financial Services sector.
Expensive Growth: The company is growing, but growth may require heavy reinvestment or weak cash conversion.
Dgb Financial reported revenue of 2.3T KRW in FY2025 versus 2.3T KRW in FY2021, a compound +0.3%/yr. Reported net income was 444B KRW in FY2025, compounding −3.1%/yr from FY2021.
Key figures
Market cap 2.9T KRW (≈ $2.0B) · P/S ratio 0.92 · Dividend yield 3.9% · Net margin 19.4% · Return on equity 7.3% · Return on assets (EBIT) 1.6% · Operating margin 46.1% · Revenue (TTM) 3.1T KRW.
Competitive moat
Our AI-assisted moat analysis scores the competitive advantage at 38 out of 100 (low confidence).
What moves the price
The share trades about 15% below its 52-week high and 64% above its 52-week low, currently above its 200-day average.
For context, the median of 10 Financial Services peers we cover trades at −31% fair-value upside, at 94%, 139130 screens cheaper than that median.
Fair Value models
Bear 30,840 KRWFair Value 35,052 KRWBull 39,143 KRW
Model ⓘEach model values the company its own way (discounted cash flow, earnings, assets, dividends). The fair value above is their evidence-weighted blend, not the output of a single model.Bear ⓘBear = the cautious scenario: the same model computed with conservative anchors (lower growth, margins and valuation multiples). Together with Bull it frames a plausible valuation range, not a price target.BaseBull ⓘBull = the optimistic scenario: the same model computed with favourable anchors (higher growth, margins and valuation multiples). Together with Bear it frames a plausible valuation range, not a price target.Evidence ⓘEvidence = how well-backed THIS model's estimate is for this stock (0–100): how complete and reliable its input data are, and how well the model fits the company. The final Fair Value is an evidence-weighted blend, so better-evidenced models count more. Green ≥70, amber 50–69, grey below 50.
Growth Quality ⓘGrowth is valuable only when reinvestment earns attractive returns (Aswath Damodaran): sustainable growth depends on return on capital, reinvestment and efficiency. Basis: total company revenue over the periods shown on the cards (3Y/5Y/all years), not per share, so a merger can show up as a growth jump; per-share earnings growth is in the value-creation card.31/100
The company is growing, but growth may require heavy reinvestment or weak cash conversion.
Revenue growth 1 year
−1.1%
Revenue growth 3 years ⓘMeasures the company's TOTAL revenue from reported annual statements: compound average growth per year (CAGR) from the fiscal year 3, 5 or N years back to the most recent comparable fiscal year. Not per share: buybacks do not change this number, and a merger can appear as a growth jump. Per-share growth (which does include buybacks) is in the value-creation card.
+0.7%
Revenue growth 5 years ⓘMeasures the company's TOTAL revenue from reported annual statements: compound average growth per year (CAGR) from the fiscal year 3, 5 or N years back to the most recent comparable fiscal year. Not per share: buybacks do not change this number, and a merger can appear as a growth jump. Per-share growth (which does include buybacks) is in the value-creation card.
+3.2%
Revenue growth 25 years ⓘMeasures the company's TOTAL revenue from reported annual statements: compound average growth per year (CAGR) from the fiscal year 3, 5 or N years back to the most recent comparable fiscal year. Not per share: buybacks do not change this number, and a merger can appear as a growth jump. Per-share growth (which does include buybacks) is in the value-creation card.
+3.2%
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What shareholders gained per year (last 5 years), in KRW ⓘWhat the business itself delivers per year: earnings growth per share plus the dividend yield. This is what you get IF the market keeps valuing the stock the same way: it contains no assumption about the market changing its mind. Computed per share, so buybacks count and a merger does not pass as growth. For a company that pays no dividend it is pure earnings growth per share. Period: earnings growth per share as CAGR over the last 5 reported fiscal years (annual statements), plus the current dividend yield. The start value is the median of the three years around the start, so a single crisis year (a pandemic or a write-down) does not distort the rate. Measured in KRW: this currency has depreciated against the euro and dollar over the long run, so part of the nominal rate is currency erosion that never reaches a EUR/USD investor.
+11.0%
Earnings growth per share plus dividend.
Earnings per share, growth per year+7.1%
Dividend (yield on the price)3.9%
Profit margin 2013 to 2018 ⓘOperating margin then vs now, from reported annual statements. A falling margin after a boom year is the classic peak-earnings signal: the growth rate then leans on an inflated base.58% → 65%
Price, fair value, quality and upside side by side.
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Peer Groupⓘ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.Banks - Regional · 1074 stocks
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Cite: Fair Value Calculator (2026). "Dgb Financial Fair Value". https://www.fairvalue-calculator.com/stock/139130
Frequently asked questions
Is Dgb Financial (139130) overvalued or undervalued?
As of Sep 20, 2026, our model estimates a fair value of 35,052 KRW versus a price of 18,070 KRW, about +94% upside (undervalued).
What is the fair value of 139130?
Our model-based fair value for Dgb Financial is 35,052 KRW (as of Sep 20, 2026), built from audited fundamentals. The current price: 18,070 KRW.
What is the quality score of 139130?
Dgb Financial has a Quality Score of 46/100. It measures business quality (profitability, growth, cash flow, balance-sheet strength, investment discipline, share issuance). Market factors such as price momentum and volatility do not enter the number; they are shown separately in the detail view.
What is the price target for Dgb Financial (139130)?
Our model-based price target is the fair value of 35,052 KRW (as of Sep 20, 2026) from 6 valuation models. Cautious scenario 30,840 KRW, optimistic scenario 39,143 KRW. It is a calculation from audited fundamentals, not an analyst target.
What is the Dgb Financial stock forecast for 2026?
Our models put fair value at 35,052 KRW, about +94% upside versus a price of 18,070 KRW (undervalued). Cautious scenario 30,840 KRW, optimistic scenario 39,143 KRW. The calculation is refreshed regularly with new filings.
What is the revenue of Dgb Financial (139130)?
Dgb Financial reported trailing-twelve-month revenue of about 3.1T KRW (latest available figure, as of Sep 20, 2026).
Does Dgb Financial pay a dividend?
Dgb Financial currently shows a dividend yield of about 3.87% relative to its recent price (as of Sep 20, 2026).
What is the intrinsic value of Dgb Financial (139130)?
Intrinsic value and fair value mean the same thing: what the business is worth on its numbers, independent of the share price. For Dgb Financial it is 35,052 KRW per share (as of Sep 20, 2026), against a price of 18,070 KRW. It is the blended result of 6 valuation models (cash flow, earnings, asset, dividend).
Is Dgb Financial stock overvalued or undervalued in 2026?
As of Sep 20, 2026, 139130 trades below its calculated fair value: price 18,070 KRW, fair value 35,052 KRW, a gap of about +94% (undervalued). The calculation is refreshed with each new quarterly report, so the verdict can change during the year.
Is fair value the same as the market price of 139130?
No. The price is what the market pays today (18,070 KRW); the fair value is what the company's own numbers justify (35,052 KRW). For Dgb Financial the two are 16,982 KRW per share apart. That gap is exactly why we show both numbers side by side.
How much is Dgb Financial worth?
The market values Dgb Financial at about 2.9T KRW (market capitalisation, as of Sep 20, 2026). Per share that is 18,070 KRW; our models calculate a fair value of 35,052 KRW per share.
What do the bullish and bearish scenarios say about 139130?
Our models span a range for Dgb Financial: cautious scenario 30,840 KRW, base 35,052 KRW, optimistic 39,143 KRW per share (as of Sep 20, 2026, price 18,070 KRW). The range comes from different growth and margin assumptions, not from analyst opinions.
How solid is the balance sheet of Dgb Financial (139130)?
Balance-sheet figures for Dgb Financial (as of Sep 20, 2026): return on equity 7.3%, debt of 2.25 per unit of equity. They feed the Quality Score of 46/100, which measures business quality independently of the share price.
How far is 139130 from its 52-week high?
Dgb Financial trades at 18,070 KRW, about 15% below its 52-week high of 21,243 KRW and 64% above the low of 11,046 KRW (as of Sep 20, 2026). Distance from the high says nothing about value: that is what the fair value of 35,052 KRW is for.
Which stocks are comparable to Dgb Financial?
From the same area (Financial Services) we also value DBS Group, China Merchants Bank Co, Intesa Sanpaolo S.p.A, HDFC Bank Limited, among others. Each of them has its own fair-value calculation on this site using the same models, so the comparison is like for like.
Is Dgb Financial stock attractive at the current price?
The data as of Sep 20, 2026: price 18,070 KRW, calculated fair value 35,052 KRW (+94%), Quality Score 46/100, from 6 models. Whether that fits your horizon and risk tolerance is your call. We provide the calculation, not investment advice.
How is the fair value of 139130 calculated?
We run Dgb Financial through 6 models from four families: discounted cash flow, earnings models, asset and balance-sheet models, and dividend models. Every model gets the same audited fundamentals; the result is the weighted average of 35,052 KRW, with the spread shown as a cautious and an optimistic scenario.
Is it still worth investing in stocks now?
The global stock market currently sits 16.1 % above its aggregate fair value. Dgb Financial currently trades 94 % below its own fair value, and the market average says nothing about that. An expensive market is no reason to stay out and no reason to buy everything at once: keep a broad savings plan running, buy single stocks only with money you can do without, and hold part of your money liquid while the market is high. The full picture including sectors is on is it worth investing now.
What is the share price of Dgb Financial (139130)?
The closing price on Sep 21, 2026 was 18,070 KRW. Our model-based fair value is 35,052 KRW, about +94% upside (undervalued). We carry closing prices from our data provider, not a live tick.
What should I pay attention to with Dgb Financial right now?
The price is below even our cautious bear case (30,840 KRW). The market is more pessimistic than our downside scenario. Solid quality (46/100) at a price below fair value, the discount is the argument here, not the business quality. For a financial, book-value and earnings-based methods matter more than a cash-flow DCF, which fits banks and insurers poorly.
Key figures of Dgb Financial
How large is the market capitalisation of Dgb Financial (139130)?
The market capitalisation of Dgb Financial is 2.9T KRW (≈ $2.0B). The stock-market value of the whole company: share price times number of shares. It is what the market asks for the entire business today.
What is the P/S ratio of Dgb Financial (139130)?
The price-to-sales ratio of Dgb Financial is 0.92 (last twelve months). Price to sales: market value relative to yearly revenue. Useful when profit is thin or distorted.
What is the dividend yield of Dgb Financial (139130)?
The dividend yield of Dgb Financial is 3.9%. Yearly dividend relative to the share price. 3% pays 3 per 100 invested. Below: how much of profit is used for it.
What is the net margin of Dgb Financial (139130)?
The net margin of Dgb Financial is 19.4% (fiscal year 2025). How much of every unit of revenue ends up as profit. 10% means 10 cents of profit per dollar of sales.
What is the return on equity of Dgb Financial (139130)?
The return on equity (ROE) of Dgb Financial is 7.3% (last twelve months). Profit relative to shareholders' equity, how efficiently the company works with its owners' money.
What is the EBIT return on assets of Dgb Financial (139130)?
On an EBIT basis the return on assets of Dgb Financial is 1.6% (avg 5y). Operating profit (EBIT) relative to everything the company owns, as a multi-year average. It describes the business model rather than one good or bad year.
What is the operating margin of Dgb Financial (139130)?
The operating margin of Dgb Financial is 46.1% (last twelve months). Profit from the core business (before interest and taxes) relative to revenue.
How fast is revenue growing at Dgb Financial (139130)?
Revenue at Dgb Financial is growing +28.2% versus a year earlier (3y avg +0.7%). How much revenue grew versus a year earlier (YoY). The 3-year average next to it puts the single year in context.
How fast are earnings growing at Dgb Financial (139130)?
Earnings per share at Dgb Financial are growing +3.0% versus a year earlier. How much earnings per share grew versus a year earlier.
How much free cash flow does Dgb Financial (139130) generate?
The free cash flow of Dgb Financial is −1.5T KRW (fiscal year 2025). The cash truly left after running and investing in the business, this is what pays dividends and buybacks.
How much net debt does Dgb Financial (139130) carry?
The net debt of Dgb Financial is 13.6T KRW (fiscal year 2025). Debt minus cash on hand. The note shows how many years of free cash flow could in theory pay it off.
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