iM Financial Group (XKRX:139130) E10: ₩2,398.16 (As of Jun. 2026)

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XKRX:139130 iM Financial Group Inc XKRX:139130
60 GF Score
Price ₩18,750.00
GF Value ₩9,551.70
Valuation Significantly Overvalued
! 2 Warning Signs
View Full Analysis

What is iM Financial Group E10?

iM Financial Group XKRX:139130 +1.63% 60 E10 is ₩2,398.16 as of Jun. 2026. GuruFocus rates XKRX:139130 with a GF Score™ of 60/100 and a GF Value™ of ₩9,551.70 (Significantly Overvalued). The stock has 2 warning signs investors should review.

E10 is a concept invented by Prof. Robert Shiller, who uses E10 for his Shiller P/E calculation. E10 is the average of the inflation adjusted earnings of a company over the past 10 years.

iM Financial Group's adjusted earnings per share data for the three months ended in Jun. 2026 was ₩829.000. Add all the adjusted EPS for the past 10 years together and divide 10 will get our e10, which is ₩2,398.16 for the trailing ten years ended in Jun. 2026.

During the past 12 months, iM Financial Group's average E10 Growth Rate was 5.10% per year. During the past 3 years, the average E10 Growth Rate was 1.80% per year. Please click Growth Rate Calculation Example (GuruFocus) to see how GuruFocus calculates Wal-Mart Stores Inc (WMT)'s revenue growth rate. You can apply the same method to get the E10 growth rate using E10 data.

During the past 13 years, the highest 3-Year average E10 Growth Rate of iM Financial Group was 2.20% per year. The lowest was 1.80% per year. And the median was 2.00% per year.

As of today (2026-09-15), iM Financial Group's current stock price is ₩18750.00. iM Financial Group's E10 for the quarter that ended in Jun. 2026 was ₩2,398.16. iM Financial Group's Shiller PE Ratio of today is 7.82.

During the past 13 years, the highest Shiller PE Ratio of iM Financial Group was 9.36. The lowest was 3.03. And the median was 4.06.


iM Financial Group  (XKRX:139130) E10 Explanation

If a company grows much fast than inflation, E10 may underestimate the company's earnings power. Shiller PE Ratio can seem to be too high even the actual P/E is low.

For the Shiller P/E, the earnings of the past 10 years are inflation-adjusted and averaged. The result is used for P/E calculation. Since it looks at the average over the last 10 years, the Shiller P/E is also called PE10.

The Shiller P/E was first used by professor Robert Shiller to measure the valuation of the overall market. The same calculation is applied here to individual companies.

iM Financial Group's Shiller P/E Ratio of today is calculated as

Shiller PE Ratio=Share Price/E10
=18750.00/2398.16
=7.82

* For Operating Data section: All numbers are indicated by the unit behind each term and all currency related amount are in USD.
* For other sections: All numbers are in millions except for per share data, ratio, and percentage. All currency related amount are indicated in the company's associated stock exchange currency.

During the past 13 years, the highest Shiller P/E Ratio of iM Financial Group was 9.36. The lowest was 3.03. And the median was 4.06.


Be Aware

Shiller PE Ratio works better for cyclical companies. It gives you a better idea on the company's real earnings power.


iM Financial Group E10 Related Terms


iM Financial Group E10 Historical Data

* Premium members only.

The historical data trend for iM Financial Group's E10 can be seen below:

* For Operating Data section: All numbers are indicated by the unit behind each term and all currency related amount are in USD.
* For other sections: All numbers are in millions except for per share data, ratio, and percentage. All currency related amount are indicated in the company's associated stock exchange currency.

iM Financial Group E10 Chart

iM Financial Group Annual Data
Trend Dec16 Dec17 Dec18 Dec19 Dec20 Dec21 Dec22 Dec23 Dec24 Dec25
E10
Get a 7-Day Free Trial Premium Member Only Premium Member Only 2,083.22 2,192.58 2,278.22 2,226.27 2,312.34

iM Financial Group Quarterly Data
Sep21 Dec21 Mar22 Jun22 Sep22 Dec22 Mar23 Jun23 Sep23 Dec23 Mar24 Jun24 Sep24 Dec24 Mar25 Jun25 Sep25 Dec25 Mar26 Jun26
E10 Get a 7-Day Free Trial Premium Member Only Premium Member Only Premium Member Only Premium Member Only Premium Member Only Premium Member Only Premium Member Only Premium Member Only Premium Member Only Premium Member Only Premium Member Only Premium Member Only 2,282.27 2,308.12 2,312.34 2,352.31 2,398.16

XKRX:139130 vs USB: E10 Comparison

For the Banks - Regional subindustry, iM Financial Group's Shiller PE Ratio, along with its competitors' market caps and Shiller PE Ratio data, can be viewed below:

* Competitive companies are chosen from companies within the same industry, with headquarter located in same country, with closest market capitalization; x-axis shows the market cap, and y-axis shows the term value; the bigger the dot, the larger the market cap. Note that "N/A" values will not show up in the chart.


iM Financial Group Shiller PE Ratio vs Banks Industry

For the Banks industry and Financial Services sector, iM Financial Group's Shiller PE Ratio distribution charts can be found below:

* The bar in red indicates where iM Financial Group's Shiller PE Ratio falls into.


XKRX:139130
60GF Score
iM Financial Group Inc XKRX:139130
E10 is just one metric. See GF Score™, valuation, warning signs, and more.
View Full Analysis

iM Financial Group E10 Calculation

E10 is a concept invented by Prof. Robert Shiller, who uses E10 for his Shiller P/E calculation. When we calculate the today's Shiller P/E ratio of a stock, we use today's price divided by E10.

What is E10? How do we calculate E10?

E10 is the average of the inflation adjusted earnings of a company over the past 10 years. Let's use an example to explain.

If we want to calculate the E10 of Wal-Mart (WMT) for Dec. 31, 2010, we need to have the inflation data and the earnings from 2001 through 2010.

We adjusted the earnings of 2001 earnings data with the total inflation from 2001 through 2010 to the equivalent earnings in 2010. If the total inflation from 2001 to 2010 is 40%, and Wal-Mart earned $1 a share in 2001, then the 2001's equivalent earnings in 2010 is $1.4 a share. If Wal-Mart earns $1 again in 2002, and the total inflation from 2002 through 2010 is 35%, then the equivalent 2002 earnings in 2010 is $1.35. So on and so forth, you get the equivalent earnings of past 10 years. Then you add them together and divided the sum by 10 to get E10.

Please note that we use the CPI data of the country/region where the company is headquartered. If the CPI data for that country/region is not available, then we will use the CPI data of the United States as default.

For example, iM Financial Group's adjusted earnings per share data for the three months ended in Jun. 2026 was:

Adj_EPS= Earnings per Share (Diluted) /CPI of Jun. 2026 (Change)*Current CPI (Jun. 2026)
=829/126.4904*126.4904
=829.000

Current CPI (Jun. 2026) = 126.4904.

iM Financial Group Quarterly Data

per share eps CPI Adj_EPS
201609 416.000 101.461 518.622
201612 203.000 101.561 252.828
201703 537.000 102.851 660.427
201706 535.000 102.611 659.502
201709 534.000 103.491 652.677
201712 181.000 102.991 222.299
201803 538.000 104.101 653.711
201806 619.000 104.130 751.919
201809 466.000 105.651 557.920
201812 596.000 104.351 722.451
201903 604.000 104.491 731.166
201906 556.000 104.881 670.557
201909 419.000 105.200 503.796
201912 203.000 105.121 244.266
202003 512.000 105.354 614.718
202006 592.000 105.112 712.406
202009 535.000 106.198 637.231
202012 327.000 105.765 391.076
202103 713.000 107.357 840.071
202106 1,068.000 107.579 1,255.749
202109 834.000 108.759 969.968
202112 271.000 109.676 312.546
202203 978.000 111.848 1,106.033
202206 706.000 114.072 782.856
202209 692.000 114.715 763.031
202212 -56.000 115.179 -61.499
202303 966.000 116.507 1,048.772
202306 813.000 117.182 877.580
202309 650.000 118.964 691.125
202312 -252.000 118.837 -268.229
202403 632.000 120.123 665.500
202406 190.000 120.007 200.264
202409 571.000 120.861 597.595
202412 -272.000 121.135 -284.025
202503 879.000 122.590 906.967
202506 900.000 122.611 928.475
202509 703.000 123.402 720.596
202512 27.000 123.939 27.556
202603 905.000 125.236 914.065
202606 829.000 126.490 829.000

Add all the adjusted EPS together and divide 10 will get our e10.

Frequently Asked Questions Learn more about E10 →
What does a E10 of ₩2,398.16 mean?
iM Financial Group (XKRX:139130) has a E10 of ₩2,398.16 as of Jun. 2026. E10 represents the company's inflation-adjusted earnings per share over a 10-year period. View historical data on iM Financial Group and its competitors.
Is iM Financial Group's E10 too high?
iM Financial Group's current E10 is ₩2,398.16. Overall, iM Financial Group has a GF Score™ of 60/100 and is considered Significantly Overvalued, reflecting its overall financial health beyond just this single metric.
How does iM Financial Group's E10 compare to USB?
iM Financial Group's E10 of ₩2,398.16 can be compared against companies in the Banks industry. See the competitive comparison table and distribution chart on this page for a detailed peer-by-peer breakdown.
What is a good E10 for a Banks company?
A good E10 depends on the Banks industry context. However, E10 should not be evaluated in isolation — investors should consider it alongside profitability, growth, and financial strength metrics. Use the industry distribution chart on this page to see where any company falls relative to its peers.
What does a high E10 mean?
A high E10 can signal that a stock is expensive relative to its fundamentals. E10 represents the company's inflation-adjusted earnings per share over a 10-year period. View historical data on iM Financial Group and its competitors. iM Financial Group's current E10 is ₩2,398.16. However, context matters — high-growth companies often justify higher valuations. Always evaluate alongside other metrics like GF Score™ and GF Value™.
Is iM Financial Group stock overvalued right now?
Based on GuruFocus' analysis, iM Financial Group (XKRX:139130) is currently considered Significantly Overvalued. The stock's GF Value™ is ₩9,551.70, compared to a current price of ₩18,750.00 — trading 96.3% above its estimated fair value. The current E10 is ₩2,398.16. iM Financial Group's overall GF Score™ is 60/100 with 2 warning signs to review. Investors should evaluate multiple metrics — including profitability, growth, and financial strength — before making a decision.
How is E10 calculated?
E10 is calculated from a company's financial statements. For iM Financial Group (XKRX:139130), the current E10 is ₩2,398.16 as of Jun. 2026. GuruFocus calculates this using data sourced from SEC filings and annual reports. See the calculation section and 30-year financial data on this page for the full breakdown.

Is iM Financial Group (XKRX:139130) Overvalued in 2026?

Based on GuruFocus' analysis, iM Financial Group stock appears to be overvalued. The current stock price of ₩18,750.00 is trading 96.3% above its estimated GF Value™ of ₩9,551.70. GuruFocus considers iM Financial Group to be Significantly Overvalued.

Key valuation signals for XKRX:139130:

  • E10: ₩2,398.16
  • GF Value™: ₩9,551.70 vs. price of ₩18,750.00 (96.3% above fair value)
  • GF Score™: 60/100 with 2 warning signs

No single metric tells the full story. See the XKRX:139130 stock analysis page for a complete view including 30-year financials, guru trades, and insider activity.


iM Financial Group Business Description

Address 111 Oksanro, Buk-gu, 2-Ga, Suseong-gu, Daegu, KOR, 706-712
iM Financial Group Inc Formerly DGB Financial Group Co Ltd is a Korea-based financial service provider. The company is engaged in the bank business, including deposit, loan, foreign currency exchange, credit card, insurance trust and other related services. It also provides traffic cards, leasing and financing services and information technology services.
60GF Score

Get the complete analysis for XKRX:139130

E10 is just one metric. See GF Value™, 30-year financials, guru trades, warning signs, and more.

₩18,750.00
Price
₩9,551.70
GF Value