Fact based stock research
Industrial Bank Of Korea (KOSE:A024110)

KR7024110009

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For every stock, we judge its performance against its peers and rank it on a scale of 1 to 100. The higher the rank, the better the stock performs than its peers. And, we do this for six investment strategies:
Value - shows how good of a value the stock is. Green is "inexpensive"; red is "expensive".

Growth - shows a company's growth potential. Green is "high growth" expected; red is "tough times ahead".

Safety - relates to the amount of debt a company has. Green is low debt level; red is high debt level.

Combined Financial - this isn't an average of the first three ranks but rather a consolidated view across several financial indicators. Green = good; red = tread carefully.

(NEW) Sentiment - quantifies professional analyst ratings and holdings as well as market pulse. Green = positive sentiment; red = skepticism (Only available to Premium Subscribers).

(NEW) 360° View - the ultimate rating with all financial and non-financial indicators.

Industrial Bank Of Korea stock research in summary

ibk.co.kr

ANALYSIS: With an Obermatt Combined Rank of 77 (better than 77% compared with investment alternatives), Industrial Bank Of Korea (Diversified Banks, South Korea) shares have much better financial characteristics than comparable stocks. Shares of Industrial Bank Of Korea are a good value (attractively priced) with a consolidated Value Rank of 100 (better than 100% of alternatives), show above-average growth (Growth Rank of 55) but are riskily financed (Safety Rank of 26), which means above-average debt burdens. ...read more

RECOMMENDATION: A Combined Rank of 77, is a strong buy recommendation based on Industrial Bank Of Korea's financial characteristics. As the company Industrial Bank Of Korea's key financial metrics exhibit excellent performance in two areas, such as good value (Obermatt Value Rank of 100) and above-average growth (Obermatt Growth Rank of 55), it could be argued that the risk-taking in financing (Obermatt Safety Rank of only 26) indicates that the company is optimistic about the future and sees debt as an opportunity to boost returns. More debt means more shareholder returns if everything goes well. However, higher debt burdens are risky when interest rates rise or the business deteriorates in a crisis. If you believe the company's future is market-typical or even better, this could be an argument for a share purchase. Obermatt Premium subscribers can further check the stock’s Sentiment Ranks, which also flow into the Obermatt 360° View for investors. ...read more

Latest Obermatt Ranks


360° View^new
Sentiment Rank^new
Value Rank	100
Growth Rank	55
Safety Rank	26
Combined Rank	77

Country	South Korea
Industry	Diversified Banks
Index	KOSPI
Size class	Small

31-Jul-2025. Stock data may be delayed. Log in or sign up to get the most recent research.

Further information

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Review the performance ranks of the individual metrics that form each investment strategy.

Research History: Industrial Bank Of Korea

RESEARCH HISTORY	2022	2023	2024	2025
VALUE
VALUE	99	96	97	100
GROWTH
GROWTH	98	45	27	55
SAFETY
SAFETY	24	18	10	26
SENTIMENT
SENTIMENT	39	56	31	^new
360° VIEW
360° VIEW	83	57	16	^new

Most recent update of the stock research: 31-Jul-2025. Financial reporting date used for calculating ranks: 31-Mar-2025. Stock research history is based on the Obermatt Method. The higher the rank, the better Industrial Bank Of Korea is in the corresponding investment strategy.
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Combined financial peformance in Detail

RESEARCH HISTORY	2022	2023	2024	2025
VALUE
VALUE	99	96	97	100
GROWTH
GROWTH	98	45	27	55
SAFETY
SAFETY	24	18	10	26
COMBINED
COMBINED	94	57	22	77

Last update of combined financial performance: 31-Jul-2025. Stock analysis on combined financial performance: The higher the rank of Industrial Bank Of Korea the better the performance.

Value Metrics in Detail

ANALYSIS: With an Obermatt Value Rank of 100 (better than 100% compared with alternatives) for 2025, Industrial Bank Of Korea shares are significantly less expensive than comparable stocks. The Value Rank is based on consolidating four value indicators that are all above average for Industrial Bank Of Korea. Price-to-Sales is 69 which means that the stock price compared with what market professionals expect for future sales is lower than for 69% of comparable companies, indicating a good value for Industrial Bank Of Korea's revenue size. The same is valid for expected Price-to-Profits, more favorable than for 100% of alternatives, and this is also true for the Price-to-Book capital ratio (also referred to as market-to-book ratio) with a Price-to-Capital Rank of 78. Compared with other companies in the same industry, dividend yields of Industrial Bank Of Korea are expected to be higher than for 96% of all competitors (a Dividend Yield rank of 96). ...read more

RECOMMENDATION: The overall picture with a consolidated Value Rank of 100, is a buy recommendation based on Industrial Bank Of Korea's stock price compared with the company's operational size and dividend yields. Since all value metrics are above the industry average, there is no objection to investing in Industrial Bank Of Korea based on its detailed value metrics. We recommend further analyzing the stock with Obermatt’s Value, Safety, and Sentiment Ranks, including the 360° View, before making an investment decision. ...read more

VALUE METRICS	2022	2023	2024	2025
PRICE VS. REVENUES (P/S)
PRICE VS. REVENUES (P/S)	82	90	84	69
PRICE VS. PROFITS (P/E)
PRICE VS. PROFITS (P/E)	95	93	92	100
PRICE VS. CAPITAL (Market-to-Book)
PRICE VS. CAPITAL (Market-to-Book)	71	86	92	78
DIVIDEND YIELD
DIVIDEND YIELD	96	98	96	96
CONSOLIDATED RANK: VALUE
CONSOLIDATED RANK: VALUE	99	96	97	100

Last update of Value Rank: 31-Jul-2025. Stock analysis on value ratios: The higher the rank, the lower the value ratio of Industrial Bank Of Korea; except for dividend yield where the rank is higher, the higher the yield.

Growth Metrics in Detail

ANALYSIS: With an Obermatt Growth Rank of 55 (better than 55% compared with alternatives), Industrial Bank Of Korea shows an above-average growth dynamic in its industry. Investors also speak of positive momentum. The Growth Rank is based on consolidating four value indicators, with half of the indicators below and half above average for Industrial Bank Of Korea. Capital Growth has a rank of 61, which means that currently professionals expect the company to grow its invested capital more than 31% of its competitors. Investors welcomed this, visible in the Stock Returns rank of 89 (above 89% of alternative investments). But Sales Growth has only a rank of 31, which means that, currently, professionals expect the company to grow less than 69% of its competitors, and Profit Growth is also low at a rank of 31. ...read more

RECOMMENDATION: The overall picture with a consolidated Growth Rank of 55, is a buy recommendation for growth and momentum investors. This is an ambiguous picture. Revenue growth and capital growth are strong, but the growth in profit, which seems good, can also be an indication that growth momentum may be negative. The fact that stock returns have been above average doesn't help much, as stock returns are less reliable in showing a company’s future growth potential. Prices may perform well for the simple reason that investors were too pessimistic in the past and are now correcting their opinions and moving the stock price to a more reasonable level. As the growth picture is mixed for Industrial Bank Of Korea, investors may want to look at value and sentiment indicators for a well-rounded picture of this stock. While momentum is a popular investment factor, the value aspect might be the more important one, in the longer term. We recommend analyzing the stock with Obermatt’s Value, Safety, and Sentiment Ranks to arrive at a 360° View of the stock purchase case, especially since the growth performance is mixed here. ...read more

GROWTH METRICS	2022	2023	2024	2025
REVENUE GROWTH
REVENUE GROWTH	78	28	44	31
PROFIT GROWTH
PROFIT GROWTH	88	30	29	31
CAPITAL GROWTH
CAPITAL GROWTH	67	89	46	61
STOCK RETURNS
STOCK RETURNS	75	49	45	89
CONSOLIDATED RANK: GROWTH
CONSOLIDATED RANK: GROWTH	98	45	27	55

Last update of Growth Rank: 31-Jul-2025. Stock analysis on growth metrics: The higher the rank, the higher the growth and returns of Industrial Bank Of Korea.

Safety Metrics in Detail

ANALYSIS: With an Obermatt Safety Rank of 26 (better than 26% compared with alternatives), the company Industrial Bank Of Korea has financing practices on the riskier side, which means that their overall debt burden is above the industry average. This doesn't mean that the business of Industrial Bank Of Korea is also risky, it only means that the company is on the riskier side in respect to bankruptcy in case things turn sour, assuming that public reporting is correct. The Safety Rank is based on consolidating three financing indicators, with two out of three indicators above-average for Industrial Bank Of Korea. Refinancing is at 65, meaning the portion of the debt that is about to be refinanced is below average. It has less debt in the refinancing stage than 65% of its competitors. Liquidity is also good at 59, meaning the company generates more profit to service its debt than 59% of its competitors. This indicates that the company is safer when it comes to debt service. However, Leverage is rather large at 1, which means the company has an above-average debt-to-equity ratio. It has more debt than 99% of its competitors. ...read more

RECOMMENDATION: With a consolidated Safety Rank of 26 (worse than 74% compared with alternatives), Industrial Bank Of Korea has a financing structure that is riskier than that of its competitors. This is not bad if things go well. The higher debt level means better returns to shareholders if things go well. Many top-performing companies operate with higher debt levels, and Industrial Bank Of Korea could be in that group. But if you expect the environment to turn rougher, the higher leverage could become a problem. The same is valid if you expect interest rates to rise. That could squeeze shareholder returns, which so far have benefitted from better conditions. In the long-term, investors may have a debt challenge with Industrial Bank Of Korea and should also compare Obermatt’s Value, Growth, and Sentiment Ranks before making a decision. ...read more

SAFETY METRICS	2022	2023	2024	2025
LEVERAGE
LEVERAGE	1	1	1	1
REFINANCING
REFINANCING	53	69	100	65
LIQUIDITY
LIQUIDITY	70	40	25	59
CONSOLIDATED RANK: SAFETY
CONSOLIDATED RANK: SAFETY	24	18	10	26

Last update of Safety Rank: 31-Jul-2025. Stock analysis on safety metrics: The higher the rank, the lower the leverage of Industrial Bank Of Korea and the more cash is available to service its debt.

Sentiment Metrics in Detail

SENTIMENT	2022	2023	2024	2025
ANALYST OPINIONS
ANALYST OPINIONS	n/a	61	58	^new
OPINIONS CHANGE
OPINIONS CHANGE	54	47	50	^new
PRO HOLDINGS
PRO HOLDINGS	14	90	55	^new
MARKET PULSE
MARKET PULSE	56	1	3	^new
CONSOLIDATED RANK: SENTIMENT
CONSOLIDATED RANK: SENTIMENT	39	56	31	^new

Last update of Sentiment Rank: 31-Jul-2025. Stock analysis on sentiment metrics: The higher the rank, the more positive the sentiment for Industrial Bank Of Korea.
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