매출 성장 + 마진 확대 + FCF 양수
Positive매출이 +8.3% 성장하면서 영업이익률이 8.7%에서 9.2%로 확대되었다. FCF도 양수를 유지하여 질적 성장이 확인된다.
Evidence
매출 YoY +8.3%영업이익률 8.7%→9.2%FCF 21,987
Korea Credit Information
049720 · KOSDAQ₩9,090+0.11%
2026-09-04 closeKorea Credit Information last closed at ₩9,090 (+0.11%) on 2026-09-04. 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
A
Overall: 상사,자본재 15/74 · top 19%
Factor composite · relative position in sector
PER 9.82 · PBR 2.46 — own-history percentile 95/100 · 80/100
Open self-history band
PER95/100
PBR80/100
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 17 consecutive years · Raised 3 consecutive years · Yield 5.17% (based on 2025 payment of 470원) · 3-year growth +14.9%
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'' 5.65
Distress
Grey
Safe
- Altman Z''
- 5.65
- Beneish M-Score
- -2.85
- Sloan accrual
- -7.38%
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.
Factual information, not investment advice.
Earnings quality · Piotroski F-Score
8/9Strong
Piotroski measures year-over-year financial improvement, not absolute quality.
Financial improvement score8/9
Profitability
- Positive ROAPass
- Positive OCFPass
- Improving ΔROAPass
- Accruals (OCF > net income)Pass
Leverage & liquidity
- Lower debtPass
- Higher current ratioPass
- No new sharesPass
Efficiency
- Higher gross marginNot passed
- Higher asset turnoverPass
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.
Industry structure
KRAs of 2026-09-05상사,자본재
This stock is in 상사,자본재: revenue rank 37 of 73, share 0%.
37 / 730%revenue share
Who dominates this industry?
- 1SK29.2%
- 2한화13%
- 3CJ10.2%
- 4삼성물산9.8%
- 5포스코인터내셔널7.6%
- 6고려신용정보0%
Concentration
DistributedCR3 52.4%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
- 10.17
- Direction
- 확대
- Level
- 보통
- Years
- 6
Value lens
- P90/P10
- 11.5
- Median P/B
- 1.18
- Level
- 넓음
- n
- 58
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
- 9.2%
- Interest coverage
- 26.9x
- Return on equity (ROE)
- 25%
Operating margin −5pp
Severe margin pressureInterest coverageBase 26.9x adverse case 12.2x
Return on equity (ROE)Base 25% adverse case 12.4%
Revenue −15%
TolerableInterest coverageBase 26.9x adverse case 22.9x
Return on equity (ROE)Base 25% adverse case 24.2%
Interest rate +2pp
TolerableInterest coverageBase 26.9x adverse case 10.7x
Return on equity (ROE)Base 25% adverse case 26.9%
Interest coverage limit
Current margin 8.8ppInterest coverage limit at an operating margin of 0.3%
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
- 윤의국43.47%2025-12-30 · 증감 -1.05%p
Connections
AI-extracted related companies · for reference
Customers
한국자산관리공사신한금융지주KB금융지주하나금융지주Price comovement r=0.11 (1 year)우리금융지주Price comovement r=0.14 (1 year)NH농협금융지주한국씨티은행롯데캐피탈메리츠캐피탈
Competitors
에스엠신용정보어드밴스대부고려저축은행
Same theme
한국대부금융협회
Recent filings
Korea Credit Information's latest filings on Korea's DART. Open a headline for a reference summary and the original.
Source: DART (Korea electronic disclosure)
About Korea Credit Information
- What technical signals does Korea Credit Information (049720) have?
- Korea Credit Information current technical signals: no active technical signal.
- Is Korea Credit Information a cup-and-handle pattern?
- No. Korea Credit Information has no valid cup-and-handle signal right now.
- What are Korea Credit Information's financials and valuation?
- Korea Credit Information'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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