Jb Financial (175330) Fair Value & Analysis
Financial Services · KR · Market cap 5.2T KRW (≈ $3.6B) · ISIN KR7175330000
What is Jb Financial really worth?
Below-average quality, trading 33% below our fair value of 46,414 KRW.
Strengths
Risks
For context
Fair value as of: Aug 29, 2026
From 6 valuation models · updated 6 days ago
Share price +14.4% 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 (43/100). That raises the risk this is a value trap rather than a bargain.
- The price is below even our cautious bear case (34,811 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 29, 2026.
How to read this chart
60‑month range 4,478 KRW – 36,334 KRW · fair‑value band 34,811 KRW – 58,018 KRW · the 31,000 KRW price screens below the 46,414 KRW fair value. Dashed = 300-day average. As of Aug 29, 2026.
Analysis
Jb Financial (175330) currently trades at 31,000 KRW, while our model-based Fair Value estimate is 46,414 KRW, implying the stock looks roughly 33.2% undervalued today. The Quality Score stands at 43/100 (below-average quality), in the Financial Services sector. Bull case: the Multiples group reads highest at a median of 44,689 KRW per share, and 3 of the 6 models we run sit above the 31,000 KRW price. Bear case: the Asset-Based group reads lowest at 21,387 KRW, and 3 of the 6 models stay below the price. Evidence for this calculation is medium.
Over the trailing twelve months, Jb Financial generated revenue of 2.0T KRW at a net margin of 34.9%. Revenue grew 15.5% year over year. It earns a return on equity of 12.3%. Net debt stands at 14.6T KRW. Fundamentals as of Aug 29, 2026
Our scenario range runs from 34,811 KRW (bear case) to 58,018 KRW (bull case); at 31,000 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 17% below its 52-week high and 73% above its 52-week low, currently above its 200-day average. For context, the median of 10 Financial Services peers we cover trades at −10% fair-value upside, at 50%, 175330 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 (44,689 KRW) versus Asset-Based (21,387 KRW). Highest evidence: Residual Income (71).
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Key figures & financial health
More key figures
Figures from reported company fundamentals · as of Aug 29, 2026. TTM = trailing twelve months.
Quality Score breakdown
Of which business quality 36 · Market factors (momentum, volatility) 66
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
JB Financial Group Co., Ltd., through its subsidiaries, engages in the provision of financial services in South Korea and internationally. It is involved in banking business for smaller enterprises, merchants, and households; and installment financing, rental of facilities business.
Full company description
JB Financial Group Co., Ltd., through its subsidiaries, engages in the provision of financial services in South Korea and internationally. It is involved in banking business for smaller enterprises, merchants, and households; and installment financing, rental of facilities business. The company also offers asset management in the energy and resources fund markets; venture investment; finance, microfinance; new technology; and securities business. JB Financial Group Co., Ltd. was founded in 2013 and is based in Jeonju-si, South Korea.
Company description, as reported by the company or data provider.
Revenue & earnings trend
FY2021 – FY2025 · reported fiscal years
Jb Financial reported revenue of 2.5T KRW in FY2025 versus 1.7T KRW in FY2021, a compound +10.8%/yr. Reported net income was 710B KRW in FY2025, compounding +8.8%/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 29, 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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