Financials Hana Financial Group Inc.

Equities

A086790

KR7086790003

Banks

End-of-day quote Korea S.E. Other stock markets 11/12/2024			5-day change	1st Jan Change
59,200.00 ^KRW	+3.32%		-3.90%	+36.41%

12-05	Hana Bank Launches Direct Deposit Service for Overseas YouTube Earnings	MT
11-14	Higher Bancassurance Sales Drive 40% Revenue Jump for Four Korean Banks	MT

Projected Income Statement: Hana Financial Group Inc.

income-statement-evolution-chart HANA-FINANCIAL-GROUP-INC

Fiscal Period: December	2019	2020	2021	2022	2023	2024	2025	2026
Net sales ¹	7,871	7,974	9,179	10,675	10,857	11,047	11,266	11,566
Change	-	1.31%	15.11%	16.3%	1.71%	1.75%	1.98%	2.67%
EBITDA	-	-	-	-	-	-	-	-
Change	-	-	-	-	-	-	-	-
EBIT ¹	3,275	3,836	4,631	4,791	4,737	6,476	6,632	6,765
Change	-	17.13%	20.71%	3.46%	-1.15%	36.72%	2.41%	2%
Interest Paid	-	-	-	-	-	-	-	-
Earnings before Tax (EBT) ¹	3,425	3,729	4,905	5,045	4,724	5,179	5,369	5,581
Change	-	8.89%	31.53%	2.86%	-6.36%	9.63%	3.66%	3.94%
Net income ¹	2,408	2,637	3,526	3,626	3,452	3,819	3,942	4,114
Change	-	9.5%	33.7%	2.83%	-4.8%	10.66%	3.2%	4.36%
Announcement Date	04/02/20	05/02/21	10/02/22	09/02/23	31/01/24	-	-	-

¹KRW in Billions

Estimates

Fiscal Period: December	2019 Q4	2020 Q1	2020 Q2	2020 Q3	2020 Q4	2021 Q1	2021 Q2	2021 Q3	2021 Q4	2022 Q1	2022 Q2	2022 Q3	2022 Q4	2023 Q1	2023 Q2	2023 Q3	2023 Q4	2024 Q1	2024 Q2	2024 Q3	2024 Q4	2025 Q1	2025 Q2	2025 Q3	2025 Q4	2026 Q1	2026 Q2	2026 Q3
Net sales ¹	1,976	1,927	1,971	2,052	2,023	2,195	2,387	2,220	2,402	2,456	2,654	2,733	2,831	2,648	2,743	2,874	2,592	2,933	2,783	2,812	2,554	2,786	2,657	2,748	2,526	2,787	2,596	2,800
Change	-	-2.46%	2.26%	4.12%	-1.41%	8.47%	8.75%	-7%	8.23%	2.24%	8.06%	2.97%	3.59%	-6.49%	3.62%	4.77%	-9.82%	13.16%	-5.13%	1.05%	-9.19%	9.11%	-4.63%	3.4%	-8.05%	10.33%	-6.86%	7.84%
EBITDA	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-
Change	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-
EBIT ¹	766	879.1	937.6	1,069	952.3	1,076	1,285	1,147	1,121	1,101	1,698	1,472	1,075	1,519	1,339	1,185	692.2	1,836	1,359	1,331	1,271	-	-	-	-	-	-	-
Change	-	14.76%	6.65%	14.04%	-10.94%	12.96%	19.49%	-10.74%	-2.31%	-1.79%	54.26%	-13.29%	-26.98%	41.25%	-11.81%	-11.5%	-41.6%	165.17%	-25.96%	-2.03%	-4.54%	-100%	-	-	-	-	-	-
Charge d'intérêts	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-
Earnings before Tax (EBT) ¹	574.1	748.7	961.4	1,085	765.7	1,159	1,299	1,276	1,170	1,219	1,174	1,584	1,068	1,496	1,297	1,242	689.4	1,401	1,445	1,488	813.4	1,494	-	-	-	-	-	-
Change	-	30.41%	28.4%	12.88%	-29.44%	51.34%	12.11%	-1.75%	-8.34%	4.17%	-3.65%	34.92%	-32.61%	40.1%	-13.28%	-4.25%	-44.5%	103.19%	3.16%	2.94%	-45.32%	83.68%	-100%	-	-	-	-	-
Net income ¹	367.2	554.6	689	760.1	532.8	834.4	917.5	928.7	844.5	902.2	825.2	1,122	776.3	1,102	918.7	957	473.7	1,034	1,035	1,157	603.5	1,068	976.6	995.3	-	-	-	-
Change	-	51.02%	24.24%	10.32%	-29.9%	56.61%	9.96%	1.22%	-9.07%	6.84%	-8.54%	35.95%	-30.8%	41.97%	-16.65%	4.17%	-50.5%	118.28%	0.07%	11.78%	-47.82%	77%	-8.58%	1.92%	-100%	-	-	-
Announcement Date	04/02/20	24/04/20	14/08/20	23/10/20	05/02/21	23/04/21	22/07/21	22/10/21	10/02/22	22/04/22	16/08/22	25/10/22	09/02/23	27/04/23	27/07/23	27/10/23	31/01/24	26/04/24	26/07/24	29/10/24	-	-	-	-	-	-	-	-

¹KRW in Billions

Estimates

Fiscal Period: December	2024 S1
Net sales ¹	5,595
Change	-
EBITDA	-
Change	-
EBIT ¹	2,922
Change	-
Charge d'intérêts	-
Earnings before Tax (EBT) ¹	2,846
Change	-
Net income ¹	2,069
Change	-
Announcement Date	26/07/24

¹KRW in Billions

Estimates

Forecast Balance Sheet: Hana Financial Group Inc.

balance-sheet-analysis-chart HANA-FINANCIAL-GROUP-INC

Fiscal Period: December	2019	2020	2021	2022	2023	2024	2025	2026
Net Debt	-	-	-	-	-	-	-	-
Change	-	-	-	-	-	-	-	-
Announcement Date	04/02/20	05/02/21	10/02/22	09/02/23	31/01/24	-	-	-

Estimates

Cash Flow Forecast: Hana Financial Group Inc.

Fiscal Period: December	2018	2019	2020	2021	2022	2023
CAPEX ¹	497,066	1,089,460	402,074	1,163,853	2,908,097	2,177,689
Change	-	119.18%	-63.09%	189.46%	149.87%	-25.12%
Free Cash Flow (FCF) ¹	-	-	-	-	-	-
Change	-	-	-	-	-	-
Announcement Date	30/05/19	06/03/20	19/04/21	11/03/22	09/03/23	29/02/24

¹KRW in Million

Estimates

Forecast Financial Ratios: Hana Financial Group Inc.

Fiscal Period: December	2018	2019	2020	2021	2022	2023	2024	2025	2026
Profitability
EBITDA Margin (%)	-	-	-	-	-	-	-	-	-
EBIT Margin (%)	-	41.62%	48.11%	50.45%	44.89%	43.63%	58.62%	58.87%	58.49%
EBT Margin (%)	-	43.51%	46.77%	53.44%	47.26%	43.51%	46.89%	47.66%	48.25%
Net margin (%)	-	30.6%	33.07%	38.41%	33.97%	31.79%	34.57%	34.99%	35.57%
FCF margin (%)	-	-	-	-	-	-	-	-	-
FCF / Net Income (%)	-	-	-	-	-	-	-	-	-
Profitability
ROA	-	0.59%	0.61%	0.73%	0.66%	0.59%	0.62%	0.61%	0.62%
ROE	-	8.77%	8.86%	10.68%	10.06%	9.01%	9.64%	9.38%	9.25%
Financial Health
Leverage (Debt/EBITDA)	-	-	-	-	-	-	-	-	-
Debt / Free cash flow	-	-	-	-	-	-	-	-	-
Capital Intensity
CAPEX / Current Assets (%)	-	-	-	-	-	-	-	-	-
CAPEX / EBITDA (%)	-	-	-	-	-	-	-	-	-
CAPEX / FCF (%)	-	-	-	-	-	-	-	-	-
Items per share
Cash flow per share ¹	-	-	-	-	-	-	-	-	-
Change	-	-	-	-	-	-	-	-	-
Dividend per Share ¹	-	2,100	1,850	3,100	3,350	3,400	3,538	3,782	4,044
Change	-	-	-11.9%	67.57%	8.06%	1.49%	4.05%	6.89%	6.95%
Book Value Per Share ¹	-	96,461	105,341	117,363	124,935	136,601	138,867	149,775	161,123
Change	-	-	9.21%	11.41%	6.45%	9.34%	1.66%	7.86%	7.58%
EPS ¹	-	7,877	8,858	11,819	11,803	11,380	13,272	13,954	14,822
Change	-	-	12.45%	33.43%	-0.14%	-3.58%	16.62%	5.14%	6.22%
Nbr of stocks (in thousands)	-	300,242	291,563	291,563	291,563	288,017	282,901	282,901	282,901
Announcement Date	-	04/02/20	05/02/21	10/02/22	09/02/23	31/01/24	-	-	-