Korea Credit Information고려신용정보

Korea Credit Information is a profitable debt collector whose shares have fallen about 16% over the past year, with revenue roughly flat.

The company earns most of its revenue from debt collection for creditors, with a smaller credit investigation and real estate-backed lending business. On trailing twelve-month figures to H1 2026 it had revenue of about ₩178B and net income of about ₩13B, with a 7.4% net margin. The share price of ₩8,780 sits near the bottom of its 52-week range of ₩8,710 to ₩11,940.

What stands out

• Trailing revenue of about ₩178B is roughly flat versus 2025 (₩178B), after growth of 3.9% in 2025 and 8.3% in 2024.
• Operating margin has held near 9% in recent years, and net income has stayed around ₩13B annually since 2024.
• The stock trades at about 9.5x earnings and 1.9x book, with a 5.7% dividend yield, and an August 2026 filing announced a cash dividend decision.
• A discounted cash flow model gives a base value of ₩17,145, but this is a model output, not a forecast, and the bear case (₩10,251) is close to the current price.
• Foreign ownership fell from 4.3% to 3.5% over about 60 days, and foreign investors were net sellers over the last 20 days.

What to watch

• The next quarterly or annual results and whether revenue growth resumes after the flat trailing figures.
• Details of the cash dividend and the interim dividend record date in the filings.
• Debt collection is about 90% of revenue, so regulatory or operating changes in that business are a key risk; the data does not include details on these.