차입 증가 → 이자부담 → 수익성 악화
Critical부채가 +5.5% 늘며 이자보상배율이 19.1x에서 0.7x로 하락했다. ROE도 16.8%에서 0.6%로 낮아져 차입 부담이 수익성을 누르고 있다.
Evidence
부채 YoY +5.5%이자보상배율 19.1x→0.7xROE 16.8%→0.6%
KG Financial
046440 · KOSDAQ₩4,240+1.44%
2026-09-04 closeKG Financial last closed at ₩4,240 (+1.44%) on 2026-09-04. Signals today: VCP. Listed on KOSDAQ; price, financials and dividends update daily after market close.
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No active signal.
New high + volume — the real recordrecord · not a prediction
Last 30 sessions
303 picks
Next-day win rate
50.7%
Avg next-day
-0.11%
vs market
-0.49%p
Every new-high-plus-volume pick we actually published (Korea market) — not this stock alone.
Trade plan
Fill entry, stop, account size and risk percent to get a share count. The stop must sit below the entry.
A calculator · not advice or a guarantee
Financials & valuation at a glance
B+
Overall: 소프트웨어 55/166 · top 32%
Factor composite · relative position in sector
PER 16.58 · PBR 0.47 — own-history percentile 60/100 · 97/100
Open self-history band
PER60/100
PBR97/100
Factual information · not investment advice
Past reported results · not investment advice
More — deeper indicators
Annual dividend
Split-adjusted annual DPS history and available grade axes
Paid 14 consecutive years · Raised 0 consecutive years · Yield 5.19% (based on 2025 payment of 220원) · 3-year growth +0.0%
Per-share amount adjusted for splits and capital reductions · Factual information, not investment advice.
Financial safety
Reference indicatorAs of 2024Safe zoneFinancial-metric reference signal
Altman Z'' zoneZ'' 5.66
Distress
Grey
Safe
- Altman Z''
- 5.66
- Beneish M-Score
- -2.29
- Sloan accrual
- 0.71%
No statistical flag
부실·조작 위험을 나타내는 사실 지표입니다. 투자 조언이 아니며, 검증 전이라 참고용입니다.
Factual information, not investment advice.
Why has this company moved this way?
Auditable observations with the original numeric evidence.
운전자본 팽창 → 현금 고갈 → 유동성 위기
Warning순운전자본이 +21.3% 팽창하며 현금이 묶이고 있다. 영업CF/순이익 비율이 61%로 이익 대비 현금 회수가 부족하고, 유동비율도 2.28에서 2.12로 하락했다.
Evidence
순운전자본 YoY +21.3%영업CF/순이익 61%유동비율 2.28→2.12
Factual information, not investment advice.
Earnings quality · Piotroski F-Score
4/9Moderate
Piotroski measures year-over-year financial improvement, not absolute quality.
Financial improvement score4/9
Profitability
- Positive ROAPass
- Positive OCFPass
- Improving ΔROANot passed
- Accruals (OCF > net income)Not passed
Leverage & liquidity
- Lower debtNot passed
- Higher current ratioNot passed
- No new sharesPass
Efficiency
- Higher gross marginPass
- Higher asset turnoverNot passed
Calculation note: F7(신주)은 equity/asset 유지로 근사
Already-stable companies may score lower when year-over-year improvement is limited.
Factual information, not investment advice.
Forensic signals
Anomaly and structural signals observed in the financial statements.
Margin trendWarning
영업이익률 악화 (20.6% → 0.7%, -19.9%p). 통계적 정황 신호이며 회계부정 단정이 아닙니다.
Margin trendWarning
영업외손익 급변 (영업이익 대비 1119% 규모 변동) — 일회성 손익 주의. 통계적 정황 신호이며 회계부정 단정이 아닙니다.
Factual information, not investment advice.
Industry structure
KRAs of 2026-09-05소프트웨어
This stock is in 소프트웨어: revenue rank 36 of 166, share 0.4%.
36 / 1660.4%revenue share
Who dominates this industry?
- 1삼성에스디에스18.6%
- 2NAVER14.4%
- 3카카오10.6%
- 4현대오토에버5%
- 5NICE4.1%
- 6KG파이낸셜0.4%
Concentration
DistributedCR3 43.6%HHI and CR3 are separate industrial-organization facts; they are not the polarization verdict.
Polarization
MixedConsistentPolarization measures industry gaps and structure, not valuation, forecast, or investment advice.
Margin lens
- IQR%p
- 9.31
- Direction
- 축소
- Level
- 보통
- Years
- 7
Value lens
- P90/P10
- 6.4
- Median P/B
- 1.28
- Level
- 보통
- n
- 163
Survivorship note: 현재 산업 멤버십을 과거 연도에 소급 적용 — 과거 진입·퇴출 기업 미반영(복원 불가)
Factual information, not investment advice.
Risk sensitivity — adverse assumptions
Metric changes under stated assumptions; not a forecast or investment advice.
Base metrics
- Operating margin
- 0.7%
- Interest coverage
- 0.7x
- Return on equity (ROE)
- 2.8%
Operating margin −5pp
Operating lossInterest coverageBase 0.7x adverse case -4.4x
Return on equity (ROE)Base 2.8% adverse case -4.1%
Revenue −15%
Interest coverage riskInterest coverageBase 0.7x adverse case 0.6x
Return on equity (ROE)Base 2.8% adverse case -0.3%
Interest rate +2pp
Interest coverage riskInterest coverageBase 0.7x adverse case 0.3x
Return on equity (ROE)Base 2.8% adverse case -1.3%
Interest coverage limit
Already below the limit by 0.2ppInterest coverage limit at an operating margin of 1%
Interest expense coverage threshold
Who held it · filings
Filed recordA historical record from curated-guru 13F filings and DART 5%+ major-holding disclosures.
US 13F는 분기 공시이며 최대 45일 뒤 제출될 수 있습니다.
5%+ major-holding disclosures
- KG이니시스51.67%2026-03-31 · 증감 +1.12%p
Connections
AI-extracted related companies · for reference
Suppliers
하나은행국민은행농협은행
Competitors
Same theme
금융감독원
Recent filings
KG Financial's latest filings on Korea's DART. Open a headline for a reference summary and the original.
Source: DART (Korea electronic disclosure)
About KG Financial
- What technical signals does KG Financial (046440) have?
- KG Financial current technical signals: no active technical signal.
- Is KG Financial a cup-and-handle pattern?
- No. KG Financial has no valid cup-and-handle signal right now.
- What are KG Financial's financials and valuation?
- KG Financial's income statement, balance sheet and cash flow are free for the most recent 8 years; the full history is on Pro. PER/PBR, dividend yield and sector valuation bands are free.
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