175330 - JB Financial Group Co., Ltd.

175330 Summary

Holding Companies

Stock Price & Overview

₩31,000 -600 (-1.90%) Close · Sep 4, 2026 KST

KOSPI | ₩KRW | Close: ₩31,000 ≈ US$22 · Market cap ₩5.8tn (≈ $4.1bn)

175330 Financial Statements

Breakdown ₩ tn	FY2025	FY2024	FY2023	FY2022	FY2021
Selling, General & Administrative	-0.91	-0.83	-0.77	-0.72	-0.73
Operating Income	0.95	0.91	0.80	0.83	0.71
Pretax Income	0.96	0.91	0.80	0.83	0.70
Income Tax Expense	-0.23	-0.21	-0.20	-0.21	-0.17
Net Income	0.73	0.69	0.60	0.62	0.53
Total Comprehensive Income	0.68	0.74	0.66	0.60	0.52
Net Interest Income	2.04	1.98	1.91	1.74	1.45
Interest Income	3.57	3.64	3.40	2.53	1.90
Interest Expense	-1.53	-1.66	-1.49	-0.79	-0.45
Net Fee & Commission Income	0.05	0.08	0.08	0.06	0.06

Breakdown ₩ tn	FY2025	FY2024	FY2023	FY2022	FY2021
Total Assets	73.12	66.72	63.40	59.83	56.40
Property, Plant & Equipment	0.81	0.79	0.74	0.41	0.38
Intangible Assets	0.23	0.21	0.20	0.17	0.15
Total Liabilities	66.95	61.00	58.29	55.07	52.07
Total Equity	6.18	5.72	5.12	4.76	4.33
Share Capital	0.98	0.98	0.98	0.98	0.98
Retained Earnings	3.81	3.42	2.98	2.58	2.14

Breakdown ₩ tn	FY2025	FY2024	FY2023	FY2022	FY2021
Cash from Operating Activities	-1.14	-0.96	-0.30	-1.15	0.28
Cash from Investing Activities	0.05	-0.66	-1.27	-0.79	-0.55
Purchase of Property, Plant & Equipment	0.05	0.07	0.38	0.06	0.05
Cash from Financing Activities	1.90	1.28	1.54	1.00	0.44
Dividends Paid	0.22	0.20	0.16	0.14	0.07
Net Change in Cash	0.81	-0.29	-0.08	-0.82	0.17

Breakdown ₩ bn	2026 Q2	2026 Q1	2025 Q4	2025 Q3	2025 Q2	2025 Q1	2024 Q4	2024 Q3	2024 Q2	2024 Q1
Selling, General & Administrative	218.6	-229.0	-310.6	-189.4	-201.9	206.3	252.8	196.0	182.9	198.6
Operating Income	305.6	221.3	186.9	281.1	266.9	217.5	158.3	261.0	258.8	228.0
Pretax Income	301.7	225.3	186.8	280.0	278.8	219.1	157.0	260.0	259.5	231.4
Income Tax Expense	75.3	-53.0	-50.6	-66.8	65.1	52.2	38.3	62.5	58.7	55.4
Net Income	226.5	172.3	136.2	213.2	213.7	166.9	118.7	197.5	200.7	176.0
Total Comprehensive Income	225.5	164.7	123.8	220.4	168.3	169.9	161.9	173.5	216.3	189.0
Net Interest Income	554.7	533.2	534.1	517.8	501.6	491.4	494.2	495.3	489.8	496.6
Interest Income	945.7	911.1	907.7	893.2	885.3	885.7	908.4	909.9	900.7	916.8
Interest Expense	391.0	-377.9	-373.6	-375.4	-383.6	394.3	414.2	414.6	410.8	420.2
Net Fee & Commission Income	24.5	15.4	13.2	17.2	9.2	14.8	3.5	9.7	38.4	28.0

Breakdown ₩ tn	2026 Q2	2026 Q1	2025 Q4	2025 Q3	2025 Q2	2025 Q1	2024 Q4	2024 Q3	2024 Q2	2024 Q1
Total Assets	76.24	73.98	73.12	71.25	70.19	68.29	66.72	65.52	65.71	64.32
Property, Plant & Equipment	—	0.81	0.81	0.79	0.79	0.79	0.79	0.77	0.76	0.76
Intangible Assets	0.24	0.25	0.23	0.22	0.22	0.22	0.21	0.19	0.20	0.20
Total Liabilities	69.93	67.79	66.95	65.24	64.33	62.51	61.00	60.03	60.51	59.16
Total Equity	6.31	6.19	6.18	6.02	5.86	5.78	5.72	5.48	5.20	5.16
Share Capital	0.98	0.98	0.98	0.98	0.98	0.98	0.98	0.98	0.98	0.98
Retained Earnings	3.97	3.81	3.81	3.74	3.61	3.44	3.42	3.34	3.17	3.00

Breakdown ₩ tn	2026 Q2	2026 Q1	2025 Q4	2025 Q3	2025 Q2	2025 Q1	2024 Q4	2024 Q3	2024 Q2	2024 Q1
Cash from Operating Activities	-0.74	-0.78	-0.75	-0.01	-0.17	-0.20	-0.41	-1.15	0.81	-0.22
Cash from Investing Activities	0.20	0.11	-0.15	0.06	0.06	0.08	-0.58	-0.05	0.07	-0.10
Purchase of Property, Plant & Equipment	0.02	0.01	0.02	0.01	0.01	0.01	0.02	0.02	0.02	0.02
Cash from Financing Activities	0.45	0.45	1.08	0.32	0.39	0.12	0.45	0.76	0.10	-0.03
Dividends Paid	—	—	0.03	0.03	—	—	0.02	0.02	—	—
Net Change in Cash	-0.09	-0.23	0.18	0.39	0.24	0.00	-0.49	-0.47	0.99	-0.33

Consolidated (CFS), from DART. 5 fiscal years and 10 quarters. Accounts matched on IFRS account_id, not Korean labels, so the same line holds across years where the Korean wording changed. Quarterly figures are three-month values: income quarters from DART's three-month column, cash-flow quarters differenced from DART's cumulative figures, and Q4 as annual minus nine-month cumulative.

175330 Growth

FY2025 ₩bn	Latest	1-yr	3-yr CAGR	5-yr CAGR	10-yr CAGR
Revenue	—	—	—	—	—
Operating income	952.3	+5.1%	+4.9%	—	—
Net income	730.0	+5.3%	+5.7%	—	—
EPS	₩3,914	+5.3%	+5.7%	—	—
Operating cash flow	-1,137.5	—	—	—	—
Shareholders' equity	6,175.2	+7.9%	+9.0%	—	—

Compound annual growth from the DART annual statements on this page. n/m where either end of the period is a loss or missing. EPS uses today's share count for every year.

175330 Profitability

Ratio	FY2025	FY2024	FY2023	FY2022	FY2021
Operating margin	—	—	—	—	—
Net margin	—	—	—	—	—
Return on equity	12.3%	12.8%	12.2%	13.6%	12.1%
Return on assets	1.0%	1.1%	1.0%	1.1%	0.9%
Operating cash flow / revenue	—	—	—	—	—
Capex / revenue	—	—	—	—	—

Margins divide by revenue for the same year. Return on equity and assets divide net income by the average of that year's and the prior year's balance, as DART reports them (consolidated, including minority interests).

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What a US investor should know

Trading hours09:00–15:30 KST — 20:00–02:30 US Eastern the night before.
Daily limitKorean stocks can move at most ±30% in a session before trading halts.
Getting exposureKRX shares are not directly tradable in most US brokerage accounts. The usual routes are Korea ETFs or an international account.
ReportingKorean issuers file to DART, not the SEC. Half-year and quarterly reports land about 45 days after period end.