Kbank

케이뱅크 · 279570

Financials Banks · KOSPI

Large-cap

Market cap US$1.6B (₩2.3T)

Overview

Kbank is a fully digital, app-based bank that lets individual customers open accounts, take out loans, and manage savings entirely online, with no physical branches.

It serves retail customers and small-business owners, offering products such as deposit accounts, home and personal credit loans, auto loans, credit cards, and investment services. Listed on KOSPI, Korea's main stock exchange, Kbank was the first internet-only bank licensed in Korea and operates its entire business through digital channels, supplemented by partnerships covering telecoms, securities, and virtual assets.

Summary is AI-generated and may contain errors · figures from DART filings

Financials

Source: DART · FY ending Dec · latest FY2025

Revenue · FY2025

US$321.9M

▼ −7.8% YoY

Operating profit · FY2025

US$84.8M

▼ −11.9% YoY

Net income · FY2025

US$81.6M

▼ −12.1% YoY

Revenue, operating profit and net income by fiscal year (USD; KRW in parentheses).
Metric	FY2023	FY2024	FY2025
Revenue	US$326.4M(₩450.4B)	US$348.9M(₩481.5B)	US$321.9M(₩444.2B)
Operating profit	US$11.9M(₩16.5B)	US$96.4M(₩133B)	US$84.8M(₩117.1B)
Net income	US$9.3M(₩12.8B)	US$92.8M(₩128.1B)	US$81.6M(₩112.6B)

Revenue

FY2023US$326.4M
FY2024US$348.9M
FY2025US$321.9M

Operating profit

FY2023US$11.9M
FY2024US$96.4M
FY2025US$84.8M

Net income

FY2023US$9.3M
FY2024US$92.8M
FY2025US$81.6M

Key ratios (FY2025)

ROE

5.2%

Debt/Eq

1367.2%

Op. margin

26.4%

Net margin

25.4%

Rev. YoY

▼ −7.8%

Why it matters

Kbank holds a licence as an internet-only bank under Korea's Banking Act, a regulatory category distinct from conventional branch-based banks.

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