iM Financial Group (XKRX:139130) Moat Score: 0/10 (As of Sep. 15, 2026)

Author: Vera Yuan Vera Yuan
Vera Yuan
Vera Yuan
Director of Data and Quant Analytics at GuruFocus
Focused on building reliable datasets, financial models, and research tools for value-minded investors. Committed to turning complex data into practical guidance for value-investing and long-term wealth.
Reviewed by: Charlie Tian Charlie Tian
Charlie Tian
Charlie Tian
Founder & CEO of GuruFocus
Dr. Charlie Tian is the founder and CEO of GuruFocus.com, a leading global investment research platform established in 2004. With a Ph.D. in physics, Dr. Tian transitioned from science to finance, applying a data-driven, disciplined approach to value investing.

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
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What is iM Financial Group Moat Score?

iM Financial Group has the Moat Score of 0, which implies that the company might have No Moat - No discernible moat.

iM Financial Group has

Moat Score is a ranking system developed by GuruFocus to assess a company's ability to sustain a competitive advantage, rated on a scale from 0 to 10. It takes into account key factors such as market leadership, cost advantages, network effects, customer switching costs, and more.

The company's Moat Score is based on these criteria:

1. Market leadership and sustainable market share
2. Network effects and significant customer switching costs
3. Valuable intellectual property and patents
4. Strong brand strength and deep customer loyalty
5. Durable cost advantages (e.g., economies of scale, proprietary technology)
6. Significant regulatory barriers and exclusive licenses
7. Superior distribution network
8. Strong and sustainable pricing power
9. Consistent and impactful innovation and R&D capabilities

Based on the research, GuruFocus believes iM Financial Group might have No Moat - No discernible moat.

iM Financial Group  (XKRX:139130) Moat Score Explanation

The Moat Score ranges from 0 to 10, with 10 as the highest. GuruFocus divided Moat Score into following 8 categories:

Moat Score Moat Level
10Wide Moat - Exceptionally dominant and durable wide moat
8 - 9Wide Moat - Clear and robust wide moat
7Wide Moat - Entry-level wide moat, clearly possessing durable advantages
6Narrow Moat - Strong narrow moat, clearly distinguishable but not wide
5Narrow Moat - Solid narrow moat
4Narrow Moat - Discernible but modest moat
1 - 3No Moat - Very weak/transient advantages
0No Moat - No discernible moat

iM Financial Group Moat Score Related Terms

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

  • Moat Score: 0
  • 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

Moat Score 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