323410 - KakaoBank Corp.

323410 Summary

Banks

Stock Price & Overview

₩21,950 +150 (+0.69%) Close · Sep 4, 2026 KST

KOSPI | ₩KRW | Close: ₩21,950 ≈ US$16 · Market cap ₩10.5tn (≈ $7.5bn)

323410 Financial Statements

Breakdown ₩ tn	FY2025	FY2024	FY2023	FY2022	FY2021
Total Revenue	3.09	2.95	2.49	1.61	1.06
Selling, General & Administrative	0.52	0.49	0.44	-0.39	-0.29
Operating Income	0.65	0.61	0.48	0.35	0.26
Pretax Income	0.64	0.59	0.47	0.35	0.26
Income Tax Expense	0.16	0.15	0.11	-0.09	-0.05
Net Income	0.48	0.44	0.35	0.26	0.20
Total Comprehensive Income	0.38	0.49	0.45	0.19	0.17
Interest Income	2.46	2.40	2.05	1.29	0.79
Interest Expense	1.14	1.13	0.93	-0.35	-0.16
Credit Loss Provisions	0.24	0.27	0.25	—	—

Breakdown ₩ tn	FY2025	FY2024	FY2023	FY2022	FY2021
Total Assets	76.41	62.81	54.49	39.52	36.04
Property, Plant & Equipment	0.23	0.18	0.18	0.17	0.07
Intangible Assets	0.05	0.04	0.03	0.03	0.03
Total Liabilities	69.66	56.27	48.37	33.80	30.52
Total Equity	6.75	6.54	6.12	5.72	5.52
Share Capital	2.39	2.38	2.38	2.38	2.38
Retained Earnings	1.43	1.12	0.75	0.45	0.19

Breakdown ₩ tn	FY2025	FY2024	FY2023	FY2022	FY2021
Cash from Operating Activities	6.01	0.84	2.89	1.88	-0.27
Cash from Investing Activities	-5.57	-1.63	-1.47	-1.71	-2.21
Purchase of Property, Plant & Equipment	0.06	0.03	0.02	0.05	0.01
Cash from Financing Activities	-0.20	-0.10	-0.07	-0.01	2.50
Dividends Paid	0.17	0.07	0.04	0.00	0.00
Net Change in Cash	0.24	-0.88	1.35	0.16	0.02

Breakdown ₩ bn	2026 Q2	2026 Q1	2025 Q4	2025 Q3	2025 Q2	2025 Q1	2024 Q4	2024 Q3	2024 Q2	2024 Q1
Total Revenue	829.0	819.3	759.0	764.7	778.0	784.6	747.3	746.3	734.1	717.9
Selling, General & Administrative	153.9	138.8	122.9	139.0	131.0	124.5	142.0	118.8	118.9	113.7
Operating Income	194.0	157.6	145.1	151.1	170.1	183.0	115.0	173.7	169.8	148.4
Pretax Income	190.8	250.7	141.4	148.0	168.2	182.5	112.0	169.0	160.0	147.9
Income Tax Expense	50.1	63.4	36.2	36.6	42.0	45.0	27.5	44.8	39.8	36.7
Net Income	140.8	187.3	105.2	111.4	126.3	137.4	84.5	124.2	120.2	111.2
Total Comprehensive Income	52.7	99.7	35.0	80.2	124.5	141.3	94.9	155.4	139.0	104.2
Interest Income	690.4	659.7	636.3	614.3	604.1	602.2	607.8	611.0	598.8	582.3
Interest Expense	288.1	286.2	280.0	293.9	285.5	278.7	281.2	284.0	284.1	281.2
Credit Loss Provisions	56.8	64.6	69.1	55.7	58.1	—	—	—	—	—

Breakdown ₩ tn	2026 Q2	2026 Q1	2025 Q4	2025 Q3	2025 Q2	2025 Q1	2024 Q4	2024 Q3	2024 Q2	2024 Q1
Total Assets	75.92	77.66	76.41	73.99	71.91	68.40	62.81	62.16	61.03	60.40
Property, Plant & Equipment	0.25	0.23	0.23	0.19	0.19	0.17	0.18	0.18	0.18	0.18
Intangible Assets	0.09	0.05	0.05	0.04	0.04	0.04	0.04	0.04	0.04	0.03
Total Liabilities	69.24	71.04	69.66	67.27	65.28	61.89	56.27	55.71	54.74	54.25
Total Equity	6.68	6.62	6.75	6.72	6.64	6.51	6.54	6.45	6.29	6.15
Share Capital	2.39	2.39	2.39	2.38	2.38	2.38	2.38	2.38	2.38	2.38
Retained Earnings	1.54	1.40	1.43	1.33	1.22	1.09	1.12	1.04	0.91	0.79

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	1.27	1.34	0.26	3.88	1.02	0.85	-0.13	-0.47	0.84	0.60
Cash from Investing Activities	-0.52	-2.73	0.11	-3.23	-1.92	-0.54	-0.44	0.31	-0.85	-0.64
Purchase of Property, Plant & Equipment	0.03	0.02	0.04	0.01	0.00	0.01	0.01	0.00	0.01	0.00
Cash from Financing Activities	0.54	0.09	-0.01	-0.01	-0.18	-0.01	-0.01	-0.01	-0.08	-0.01
Dividends Paid	—	—	0.00	0.00	—	—	0.00	0.00	—	—
Net Change in Cash	1.29	-1.29	0.36	0.65	-1.08	0.31	-0.57	-0.17	-0.08	-0.05

Separate / parent-only (OFS) — this company files no consolidated statements, 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.

323410 Growth

FY2025 ₩bn	Latest	1-yr	3-yr CAGR	5-yr CAGR	10-yr CAGR
Revenue	3,086.3	+4.8%	+24.3%	—	—
Operating income	649.4	+7.0%	+22.5%	—	—
Net income	480.3	+9.1%	+22.2%	—	—
EPS	₩1,007	+9.1%	+22.2%	—	—
Operating cash flow	6,005.8	+613.8%	+47.3%	—	—
Shareholders' equity	6,749.9	+3.2%	+5.7%	—	—

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.

323410 Profitability

Ratio	FY2025	FY2024	FY2023	FY2022	FY2021
Operating margin	21.0%	20.6%	19.2%	22.0%	24.1%
Net margin	15.6%	14.9%	14.2%	16.4%	19.2%
Return on equity	7.2%	7.0%	6.0%	4.7%	3.7%
Return on assets	0.7%	0.8%	0.8%	0.7%	0.6%
Operating cash flow / revenue	194.6%	28.6%	115.9%	117.0%	-25.5%
Capex / revenue	2.0%	0.9%	0.9%	2.9%	1.3%

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.