Jb Financial (175330) fair value: what the stock is really worth
We calculate from audited financials what Jb 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, free.
Compare price with fair valuebelow fair value = cheap, above = expensive
Check the quality50 and up solid, 75 and up strong
Watch it or check another stockalert when fair value or trend changes
Below-average quality, trading 32% below our fair value of 46,414 KRW.
As of Aug 29, 2026, the fair value of Jb Financial is 46,414 KRW per share against a price of 31,450 KRW, so the fair value sits 48% above the price. A model estimate from reported figures, not an analyst target.
!Expensive Growth (revenue 5y +11.7 %/yr)
✓Highly profitable · 27.4% net margin
!Moderate debt · negative free cash flow
·4.10% dividend yield
✓Ranks above peers (6/9)
✓Wide moat 67/100
!Evidence only medium, so the estimate is less certain
Evidence: MediumRange 34,811 KRW to 58,018 KRW
Fair value as of: Aug 29, 2026
From 6 valuation models · updated 13 days ago
Share price +9.4% over the past month.
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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 31,450 KRW price screens below the 46,414 KRW fair value. Green steps = our fair value per fiscal year (point-in-time, no hindsight). Dashed = 300-day average. As of Aug 29, 2026.
Jb Financial (175330) currently trades at 31,450 KRW, while our model-based Fair Value estimate is 46,414 KRW, implying the stock looks roughly 32.2% 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 31,450 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
Scenario range: 34,811 KRW (bear) to 58,018 KRW (bull), the price of 31,450 KRW sits below it. Bear and bull are the same models on cautious and optimistic assumptions, a range, not a price target. The share trades about 16% below its 52-week high and 75% above its 52-week low, currently above its 200-day average. For context, the median of 10 Financial Services peers we cover trades at −13% fair-value upside, at 48%, 175330 screens cheaper than that median.
Fair Value models
Each model values the company its own way; the fair value above is the evidence-weighted blend. Evidence (0 to 100) shows how complete a model's inputs are. How we calculate →
ModelBear ⓘ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
Highest evidence
Residual Income best evidence30,060 KRW36,226 KRW77,927 KRW71
DDM Multi-Stage12,812 KRW22,913 KRW29,150 KRW66
Gordon GGM12,812 KRW27,971 KRW47,062 KRW65
All 6 models by family
Dividend Discount
Gordon GGM12,812 KRW27,971 KRW47,062 KRW65
DDM Multi-Stage12,812 KRW22,913 KRW29,150 KRW66
Multiples
P/E Multiple37,380 KRW49,841 KRW62,301 KRW63
P/B Multiple33,517 KRW44,689 KRW55,861 KRW55
Asset-Based
NCAV (Graham)15,960 KRW21,387 KRW31,921 KRW54
Economic Profit
Residual Income best evidence30,060 KRW36,226 KRW77,927 KRW71
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
P/S ratio1.98TTM
Dividend yield4.1%
Net margin27.9%FY2025
Return on equity12.3%TTM
Return on assets (EBIT)1.4%avg 5y
Operating margin48.8%TTM
More key figures
Growth
Revenue (TTM)2.6T KRWTTM
Revenue growth (YoY)+13.4%3y avg +9.3%
EPS growth (YoY)+4.6%
Balance sheet & cash flow
Free cash flow−1.3T KRWFY2025
Net debt14.6T KRWFY2025
Figures from reported company fundamentals · as of Aug 29, 2026. TTM = trailing twelve months.
Quality Score breakdown
Overall quality43/100
Of which business quality 36
· Market factors (momentum, volatility) 67
Profitability36
Margins and returns on capital today
Quality Growth45
Are margins and returns improving?
Cashflow0
Earnings quality: real cash, not paper profit
Fin. Strength11
Balance sheet, leverage, solvency risk
Investment69
Disciplined investing over empire-building
Low Volatility68
Calm price path (market factor)
Momentum62
Price trend over the last 3–12 months (market factor)
52W Momentum73
Distance to the 52-week high (market factor)
Net Issuance95
Buybacks instead of dilution
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.
Growth Quality 62/100
The company is growing, but growth may require heavy reinvestment or weak cash conversion.
Latest Revenue (FY 2025)
2.5T KRW
Latest YoY
+6.3%
Avg. revenue growth/yr (3Y) ⓘ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.
+9.3%
Avg. revenue growth/yr (5Y) ⓘ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.
+11.7%
Avg. revenue growth/yr (12Y) ⓘ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.
+13.6%
Value creation/yr (5Y, in KRW) ⓘEarnings growth per share (CAGR 5 years) plus dividend yield: value created per share and year. 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.
+19.3%
Earnings growth per share plus dividend yield: the value created per share and year.
Earnings growth per share+15.2%
Dividend yield4.1%
Operating margin (EBIT) ⓘ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.51.9% (2013) → 46.1% (2018) · falling
For bloggers, editors and developers: paste this into your site or blog (a “Custom HTML” block in WordPress), it shows the current fair value and links back here. Free, plain HTML, and welcome. Full data streams (CSV/JSON) at /developers.
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.
This stockSector peers
VALUE97· sector 33
FUTURE67· sector 44
PAST49· sector 41
HEALTH33· sector 85
DIVIDEND82· sector 51
Values & ESG
Does this company touch areas you may want to avoid? The classification is inferred from sector and industry.
None of the checked exposures detected
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Is Jb Financial (175330) overvalued or undervalued?
As of Aug 29, 2026, our model estimates a fair value of 46,414 KRW versus a price of 31,450 KRW, about +48% upside (undervalued).
What is the fair value of 175330?
Our model-based fair value for Jb Financial is 46,414 KRW (as of Aug 29, 2026), built from audited fundamentals. The current price: 31,450 KRW.
What is the quality score of 175330?
Jb Financial has a Quality Score of 43/100. 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 Jb Financial (175330)?
Our model-based price target is the fair value of 46,414 KRW (as of Aug 29, 2026) from 6 valuation models. Cautious scenario 34,811 KRW, optimistic scenario 58,018 KRW. It is a calculation from audited fundamentals, not an analyst target.
What is the Jb Financial stock forecast for 2026?
Our models put fair value at 46,414 KRW, about +48% upside versus a price of 31,450 KRW (undervalued). Cautious scenario 34,811 KRW, optimistic scenario 58,018 KRW. The calculation is refreshed regularly with new filings.
What is the revenue of Jb Financial (175330)?
Jb Financial reported trailing-twelve-month revenue of about 2.0T KRW (latest available figure, as of Aug 29, 2026).
What is the net profit margin of 175330?
The net profit margin of Jb Financial is about 34.9%, meaning it keeps roughly 34.9% of revenue as net income. Based on the latest reported figures.
Does Jb Financial pay a dividend?
Jb Financial currently shows a dividend yield of about 4.10% relative to its recent price (as of Aug 29, 2026).
What is the intrinsic value of Jb Financial (175330)?
Intrinsic value and fair value mean the same thing: what the business is worth on its numbers, independent of the share price. For Jb Financial it is 46,414 KRW per share (as of Aug 29, 2026), against a price of 31,450 KRW. It is the blended result of 6 valuation models (cash flow, earnings, asset, dividend).
Is Jb Financial stock overvalued or undervalued in 2026?
As of Aug 29, 2026, 175330 trades below its calculated fair value: price 31,450 KRW, fair value 46,414 KRW, a gap of about +48% (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 175330?
No. The price is what the market pays today (31,450 KRW); the fair value is what the company's own numbers justify (46,414 KRW). For Jb Financial the two are 14,964 KRW per share apart. That gap is exactly why we show both numbers side by side.
How much is Jb Financial worth?
The market values Jb Financial at about 5.9T KRW (market capitalisation, as of Aug 29, 2026). Per share that is 31,450 KRW; our models calculate a fair value of 46,414 KRW per share.
What do the bullish and bearish scenarios say about 175330?
Our models span a range for Jb Financial: cautious scenario 34,811 KRW, base 46,414 KRW, optimistic 58,018 KRW per share (as of Aug 29, 2026, price 31,450 KRW). The range comes from different growth and margin assumptions, not from analyst opinions.
How solid is the balance sheet of Jb Financial (175330)?
Balance-sheet figures for Jb Financial (as of Aug 29, 2026): return on equity 12.3%, debt of 1.34 per unit of equity. They feed the Quality Score of 43/100, which measures business quality independently of the share price.
How far is 175330 from its 52-week high?
Jb Financial trades at 31,450 KRW, about 16% below its 52-week high of 37,303 KRW and 75% above the low of 17,937 KRW (as of Aug 29, 2026). Distance from the high says nothing about value: that is what the fair value of 46,414 KRW is for.
Which stocks are comparable to Jb 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 Jb Financial stock attractive at the current price?
The data as of Aug 29, 2026: price 31,450 KRW, calculated fair value 46,414 KRW (+48%), Quality Score 43/100, 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 175330 calculated?
We run Jb 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 46,414 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 32.6 % above its aggregate fair value. Jb Financial currently trades 48 % 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 <a href="/is-it-worth-investing-now/">is it worth investing now</a>.
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