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iM Financial GroupXKRX:139130 -2.40%60 Net Margin % is 29.38% as of Jun. 2026, which is 55% above its 10-year median of 18.96. 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. Among 1,520 Banks companies, iM Financial Group ranks worse than 75% on this metric.
iM Financial Group (XKRX:139130) Net Margin % Explanation
Although Net Income and Earnings-per-Share (EPS) are the most widely used parameter in measuring a company's profitability and valuation, it is the least reliable. The reason is that reported earnings can be manipulated easily by adjusting any numbers such as Depreciation, Depletion and Amotorization and non-recurring items.
But the long term trend of the net margin is a good indicator of the competitiveness and health of the business.
iM Financial Group Net Margin % Related Terms
iM Financial Group Net Margin % Historical Data
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The historical data trend for iM Financial Group's Net Margin % 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.
For the Banks - Regional subindustry, iM Financial Group's Net Margin %, along with its competitors' market caps and Net Margin % 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 Net Margin % vs Banks Industry
For the Banks industry and Financial Services sector, iM Financial Group's Net Margin % distribution charts can be found below:
* The bar in red indicates where iM Financial Group's Net Margin % falls into.
* 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 (XKRX:139130) has a Net Margin % of 29.38% as of Jun. 2026. Net margin is the ratio of total net income to net sales. View historical data on iM Financial Group and its competitors. This is 55% above median its historical median of 18.96. Over the past decade, iM Financial Group's Net Margin % has ranged from 9.28 to 26.13. According to the industry distribution chart, iM Financial Group ranks #1140 out of 1520 companies in the Banks industry, placing it in the top 75%.
Is iM Financial Group's Net Margin % too high?
iM Financial Group's current Net Margin % of 29.38% is 55% above median its 10-year median of 18.96. Over the past 10 years, this metric has ranged from a low of 9.28 to a high of 26.13. The Banks industry median Net Margin % is 27.29. iM Financial Group's value of 29.38% is 7.7% above this industry median. Based on the distribution chart, iM Financial Group ranks #1140 out of 1520 companies in the Banks industry, which is below the industry midpoint. 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 Net Margin % compare to USB?
According to the Banks industry distribution chart, iM Financial Group ranks #1140 out of 1520 companies for Net Margin %. This places iM Financial Group in the lower half of its industry. The industry median Net Margin % is 27.29. iM Financial Group's value of 29.38% is 7.7% above this benchmark. Historically, iM Financial Group's own Net Margin % has ranged from 9.28 to 26.13 over the past decade. While the company's 10-year median is 18.96 vs. the industry median of 27.29, iM Financial Group has consistently been above the industry average. See the competitive comparison table and distribution chart on this page for a detailed peer-by-peer breakdown.
What is a good Net Margin % for a Banks company?
The median Net Margin % among Banks companies is 27.29, based on 1,520 companies in the industry. Companies in the top quartile (top 25%) have a Net Margin % significantly above this median, while those in the bottom quartile fall well below. However, Net Margin % should not be evaluated in isolation — investors should consider it alongside profitability, growth, and financial strength metrics. iM Financial Group's current Net Margin % of 29.38% is 7.7% above the industry median. Use the industry distribution chart on this page to see where any company falls relative to its peers.
What does a high Net Margin % mean?
A high Net Margin % can signal that a stock is expensive relative to its fundamentals. Net margin is the ratio of total net income to net sales. View historical data on iM Financial Group and its competitors. For the Banks industry, the median Net Margin % is 27.29 — values significantly above this may indicate overvaluation, while values below may suggest a bargain or underlying issues. iM Financial Group's current Net Margin % is 29.38%, which is 55% above median its own 10-year median of 18.96. 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 ₩18,300.00 — trading 91.6% above its estimated fair value. The current Net Margin % is 29.38%, which is 55% above median its 10-year median of 18.96 and 7.7% above the Banks industry median of 27.29. 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 Net Margin % calculated?
Net Margin % is calculated from a company's financial statements. For iM Financial Group (XKRX:139130), the current Net Margin % is 29.38% 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 ₩18,300.00 is trading 91.6% above its estimated GF Value™ of ₩9,551.70.
GuruFocus considers iM Financial Group to be Significantly Overvalued.
Key valuation signals for XKRX:139130:
Net Margin %: 29.38% (55% above median its 10-year median of 18.96)
GF Value™: ₩9,551.70 vs. price of ₩18,300.00 (91.6% above fair value)
Industry Position: 7.7% above the Banks median (#1140 of 1520)
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 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
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