BNK Financial Group Inc.
BNK Financial Group Inc., together with its subsidiaries, provides various financial products and services in South Korea and internationally. The company offers personal, auto mobile, leasing, instalment and corporate, and investment finance; and invest…
Banks - Regional
KR, Busan [HQ]
Ratios
13 Records · Starting from 2011Margins, Growth Rates In %
| Ratio | 2011 | 2012 | 2013 | 2014 | 2015 | 2016 | 2017 | 2018 | 2019 | 2020 | 2021 | 2022 | 2023 | |
|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|
| Profitability | ||||||||||||||
| Gross Margin | 100.00 | 100.00 | 100.00 | 100.00 | 100.00 | 100.00 | 100.00 | 100.00 | 100.00 | 100.00 | 100.00 | 100.00 | 120.38 | |
| Profit Margin | 35.83 | 31.15 | 27.65 | 44.15 | 26.44 | 25.55 | 20.42 | 22.25 | 20.16 | 17.71 | 22.92 | 21.75 | 7.97 | |
| Operating Margin | 121.11 | 128.67 | 123.63 | 107.06 | 98.95 | 88.97 | 81.49 | 87.20 | 27.13 | 23.57 | 31.29 | 82.24 | 120.38 | |
|
EPS Growth
|
- - | -10.71 | -16.75 | 150.47 | -47.16 | -21.83 | -21.16 | 28.38 | 6.90 | -9.03 | 56.29 | -0.64 | -18.13 | |
| EPS KRW | 197,899.00 | 176,709.00 | 147,117.00 | 368,480.00 | 194,700.00 | 152,200.00 | 120,000.00 | 154,054.00 | 164,681.00 | 149,814.00 | 234,137.00 | 232,651.00 | 190,482.00 | |
| Return on Assets (ROA) | 1.02 | 0.84 | 0.65 | 0.98 | 0.59 | 0.55 | 0.43 | 0.51 | 0.54 | 0.45 | 0.62 | 0.57 | 0.44 | |
| Return on Equity (ROE) | 13.55 | 11.09 | 8.73 | 17.20 | 9.01 | 7.64 | 5.71 | 6.58 | 6.79 | 5.95 | 8.48 | 7.94 | 6.74 | |
| Return on Invested Capital (ROIC) | 9.72 | 9.93 | 8.45 | 9.66 | 7.30 | 6.06 | 5.71 | 6.57 | 2.35 | 1.93 | 2.60 | 5.41 | 22.90 | |
| Solvency | ||||||||||||||
| Equity Ratio | - - | - - | - - | - - | - - | - - | - - | - - | - - | - - | - - | - - | - - | |
| Debt/Assets | 19.07 | 18.83 | 18.67 | 16.17 | 16.31 | 16.72 | 15.28 | 15.00 | 15.34 | 16.34 | 16.79 | 22.46 | 15.50 | |
| Debt/Equity | 254.05 | 248.08 | 250.18 | 285.20 | 250.16 | 230.46 | 204.28 | 194.26 | 193.62 | 213.75 | 230.95 | 311.18 | 237.94 | |
| Debt/EBITDA | 351.80 | 379.30 | 491.61 | 503.15 | 499.87 | 562.42 | 579.56 | 468.03 | 1,133.52 | 1,459.28 | 1,175.94 | 423.95 | 9,172.33 | |
|
Debt/Capitalization
|
71.76 | 71.27 | 71.44 | 74.04 | 71.44 | 69.74 | 67.13 | 66.02 | 65.94 | 68.13 | 69.78 | 75.68 | 70.41 | |
| Long-Term Debt/Capitalization | 71.76 | 71.27 | 71.44 | 74.04 | 69.93 | 67.90 | 65.27 | 63.15 | 63.89 | 66.00 | 68.30 | 66.47 | 48.41 | |
| Interest Debt per Share KRW | 41,169.90 | 43,894.10 | 46,813.16 | 65,904.86 | 58,761.28 | 49,196.50 | 47,525.66 | 49,402.21 | 53,636.41 | 60,904.51 | 69,406.04 | 100,535.85 | 81,838.01 | |
| Debt Growth | - - | 7.57 | 8.46 | 55.18 | 0.71 | 4.81 | -7.57 | -1.44 | 12.12 | 15.64 | 18.58 | -2.50 | 15.47 | |
| Liquidity | ||||||||||||||
| Current Ratio | - - | - - | - - | - - | 9.98 | 7.88 | 6.22 | 5.37 | 6.80 | 6.67 | 6.83 | 6.74 | 6.11 | |
| Quick Ratio | - - | - - | - - | - - | 9.98 | 19.33 | 15.64 | 16.61 | 14.53 | 13.99 | 14.49 | 14.13 | 3.19 | |
| Cash Ratio | - - | - - | - - | - - | 4.52 | 4.91 | 4.46 | 4.37 | 5.44 | 5.56 | 5.95 | 5.84 | 4.73 | |
| Operating Cash Flow Ratio | - - | - - | - - | - - | - - | - - | - - | - - | - - | - - | - - | - - | - - | |
| Turnover | ||||||||||||||
| Inventory Turnover | - - | - - | - - | - - | - - | - - | - - | - - | - - | - - | - - | - - | -49.49 | |
| Receivables Turnover | 46.65 | 64.81 | 54.60 | 70.22 | 53.73 | 98.32 | 158.70 | 307.73 | 268.76 | 328.17 | 433.83 | 378.19 | 731.26 | |
| Payables Turnover | - - | - - | - - | - - | - - | - - | - - | - - | - - | - - | - - | - - | -683.12 | |
|
Asset Turnover
|
2.84 | 2.70 | 2.36 | 2.21 | 2.22 | 2.17 | 2.09 | 2.28 | 2.67 | 2.57 | 2.69 | 2.64 | 5.51 | |
| Fixed Turnover | 270.79 | 278.36 | 217.20 | 234.00 | 252.07 | 253.20 | 230.69 | 139.08 | 142.31 | 124.27 | 141.25 | 140.01 | 264.82 | |
| Coverage | ||||||||||||||
| Interest Coverage | 164.94 | 147.29 | 141.83 | 186.01 | 154.47 | 161.68 | 149.95 | 153.11 | 52.45 | 61.77 | 110.18 | 159.77 | 255.24 | |
| Asset Coverage | 500 | 500 | 500 | 600 | 100 | 100 | 100 | 200 | 200 | 200 | 100 | 200 | 200 | |
| Cash Flow Coverage (CFGR) | 2.66 | -12.41 | -9.07 | -0.96 | 5.07 | -7.20 | 10.61 | 2.39 | -3.05 | -5.96 | -5.18 | 11.73 | 9.67 | |
| EBITDA Coverage | 100 | 100 | 100 | 100 | 100 | 100 | 100 | 100 | - - | - - | 100 | 100 | - - | |
| Dividend Coverage | -800 | -500 | -400 | -1,300 | -700 | -700 | -300 | - - | -500 | -400 | -700 | -400 | -200 | |
| Time Interest Earned (TIE) | 100 | 100 | 100 | 200 | 100 | 100 | 100 | 100 | 100 | 100 | 100 | 100 | 1,000 | |
| Market Prospects | ||||||||||||||
| Dividend Yield | 2.36 | 2.65 | 2.12 | 2.03 | 2.97 | 2.26 | 3.53 | - - | 3.92 | 6.36 | 3.81 | 8.89 | 10.40 | |
| Earnings Yield | 20.24 | 14.13 | 10.02 | 26.71 | 23.12 | 17.56 | 13.12 | 22.01 | 22.52 | 28.16 | 29.03 | 38.41 | 28.31 | |
|
Price/Earnings (P/E)
|
4.9409 | 7.0799 | 9.9852 | 3.7441 | 4.3246 | 5.6965 | 7.6245 | 4.5438 | 4.4405 | 3.5517 | 3.4453 | 2.6038 | 3.5324 | |
| Price/Earnings Growth (PEG) | - - | -66.12 | -59.63 | 2.49 | -9.17 | -26.10 | -36.04 | 16.01 | 64.37 | -39.34 | 6.12 | -410.26 | -19.49 | |
|
Price/Book (P/B)
|
66.93 | 78.54 | 87.14 | 64.40 | 38.97 | 43.51 | 43.55 | 29.91 | 30.14 | 21.13 | 29.22 | 20.68 | 23.80 | |
| Price/Tangible Book (P/TB) | 66.93 | 78.54 | 87.14 | 64.40 | 38.97 | 43.51 | 43.55 | 29.91 | 30.14 | 21.13 | 29.22 | 20.68 | 23.80 | |
| Price/Sales (P/S) | 177.01 | 220.57 | 276.10 | 165.31 | 114.34 | 145.52 | 155.70 | 101.09 | 89.53 | 62.89 | 78.96 | 56.63 | 28.15 | |
|
Price/Cash Flow (P/CF)
|
991.81 | -255.17 | -384.08 | -2,350.80 | 307.34 | -262.16 | 200.84 | 643.68 | -510.93 | -165.97 | -244.08 | 56.63 | 103.42 | |
| Price/Free CF (P/FCF) | 2,158.36 | -228.00 | -318.31 | -951.35 | 367.44 | -235.96 | 232.64 | 1,148.75 | -380.16 | -146.92 | -212.36 | 59.53 | 112.80 | |
| Price/Operating CF (P/OCF) | 991.81 | -255.17 | -384.08 | -2,350.80 | 307.34 | -262.16 | 200.84 | 643.68 | -510.93 | -165.97 | -244.08 | 56.63 | 103.42 |