139130:KRXiM Financial Group Co., Ltd. Analysis
Data as of 2026-06-14 - not real-time
₩17,700.00
Latest Price
6/10Risk
Risk Level: Medium
Executive Summary
The stock is trading at 17,700 KRW, below its 20‑day (17,926 KRW) and 50‑day (18,148 KRW) SMAs, with a neutral RSI of 48 and a bearish MACD histogram, suggesting short‑term downside pressure. Volume is increasing and the price sits near the identified support at 16,250 KRW, with resistance around 19,280 KRW.
Fundamentally, iM Financial appears undervalued, posting a forward P/E of 5.2 versus an industry average of 16.8 and delivering a 3.95% dividend yield with a 27.6% payout ratio. The balance sheet shows more cash (30.6 trillion KRW) than debt (29.6 trillion KRW), though operating cash flow is negative, raising a modest sustainability question for the dividend. The stock’s low beta and high income profile make it attractive for value‑oriented, income‑focused investors.
Fundamentally, iM Financial appears undervalued, posting a forward P/E of 5.2 versus an industry average of 16.8 and delivering a 3.95% dividend yield with a 27.6% payout ratio. The balance sheet shows more cash (30.6 trillion KRW) than debt (29.6 trillion KRW), though operating cash flow is negative, raising a modest sustainability question for the dividend. The stock’s low beta and high income profile make it attractive for value‑oriented, income‑focused investors.
Market Outlook
Short Term
< 1 yearNeutral
Model confidence: 5/10
Key Factors
- Price below short‑term moving averages
- Bearish MACD histogram
- Increasing volume near support level
Medium Term
1–3 yearsPositive
Model confidence: 7/10
Key Factors
- Forward P/E far below industry average
- Attractive dividend yield with moderate payout ratio
- Strong cash position relative to debt
Long Term
> 3 yearsNeutral
Model confidence: 6/10
Key Factors
- Sustainable dividend supported by cash reserves
- Stable low‑beta profile reducing market volatility exposure
- Potential credit and regulatory headwinds for regional banks
Key Metrics & Analysis
Financial Health
Revenue Growth28.20%
Profit Margin14.33%
P/E Ratio5.2
ROE7.26%
ROA0.45%
Op. Cash Flow₩-2159640051712
Industry P/E16.8
Technical Analysis
TrendNeutral
RSI47.8
Support₩16,250.00
Resistance₩19,280.00
MA 20₩17,926.50
MA 50₩18,148.20
MA 200₩15,858.05
MACDBearish
VolumeIncreasing
Fear & Greed Index89.86
Valuation
Target Price₩22,300.00
Upside/Downside25.99%
GradeUndervalued
TypeValue
Dividend Yield3.95%
Risk Assessment
Beta0.14
Volatility46.00%
Sector RiskMedium
Reg. RiskMedium
Geo RiskLow
Currency RiskLow
Liquidity RiskMedium
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This analysis may contain inaccuracies and is provided for informational and research purposes only. It is not personal investment advice, a recommendation, or an instruction to buy, sell, or hold any asset.