What is Hecto Financial Co., Ltd.'s (234340.KQ) StockRank?

MoatMap's StockRank for Hecto Financial Co., Ltd. (234340.KQ) is 74/100, with a Buy signal. This is a composite score combining Quality (58), Value (66), and Momentum (37) factor ranks across MoatMap's 20,000+ stock universe.

Does Hecto Financial Co., Ltd. have an economic moat?

Hecto Financial Co., Ltd. (234340.KQ) has a Quality factor score of 58/100. The Quality factor combines ROIC, Piotroski F-Score, and leverage — the financial fingerprints of a durable competitive advantage. A Quality score above 70 typically indicates a company with the financial characteristics of a moated business.

Is Hecto Financial Co., Ltd. a buy, hold, or sell?

MoatMap's current signal for Hecto Financial Co., Ltd. (234340.KQ) is Buy, based on a StockRank of 74/100. Signals are derived mechanically from the StockRank composite and should be one input among many — combine with your own thesis on management, competitive position, and valuation.

What sector is Hecto Financial Co., Ltd. in?

Hecto Financial Co., Ltd. (234340.KQ) operates in the Technology sector, specifically the Software - Infrastructure industry (South Korea).

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234340.KQ

BUYREMOVE

Hecto Financial Co., Ltd. · Technology · South Korea · $238M · Avg Vol: $8M/d

StockRank

P/E (TTM)

31.7x

ROE

10.4%

D/E

0.1x

Dividend %

1.0%

Director Trades · 180d

None in 180d →

Buybacks · 180d

None in 180d →

AI CONVICTION THESIS

Hecto Financial provides electronic payment services in South Korea, but it lacks a global scale moat and faces intense domestic competition in a mature market.

COMPANY DESCRIPTION

Hecto Financial Co., Ltd. (formerly Settbank) provides electronic payment settlement services, specializing in open banking, virtual account services, and easy payment gateways. The company's competitive advantage lies in its dominant market share in South Korea's virtual account settlement market, serving major public institutions and e-commerce platforms. It is a highly profitable fintech infrastructure provider with a stable transaction-based revenue model.

FINANCIAL SUMMARY (USD)

Year	2022	2023	2024	2025	CAGR
Revenue	85M	101M	105M	123M	13.2%
EPS	0.61	0.59	0.33	0.46	-8.7%
Shares	14M	14M	14M	14M	-4.5%
Debt	3M	2M	9M	10M	48.6%
Equity	89M	90M	95M	113M	8.2%
Op CF	244,257	18M	42M	42M	457.8%
Inv CF	-3M	-6M	-2M	-10M	—
Fin CF	-7M	-8M	3M	8M	—

PRICE (1M)-37.5%

SMA 50SMA 200

$15.07

RSI (14)

32.2

52W High

$29.62

From 52W High

0.5%

SCORE BREAKDOWN

Quality

ROIC

7.6%52.8

ROE

10.4%60.9

GP/Assets

13.6%33.2

Op. Margin

15.7%75.7

FCF/Assets

6.2%66.9

Piotroski

—79.5

Int. Cover

15.8x59.8

D/E Ratio

0.08x69.4

Current Ratio

1.71x40.3

Value

P/E (TTM)

31.7x53.0

EV/EBITDA

1.8x80.7

P/FCF

16513.3x85.7

P/B

1.8x72.4

P/S

4.3x41.1

Div Yield

1.0%46.5

Momentum

52W High %

51%15.9

RS 6M

-66%12.4

SMA 50/200

1.31x78.1

EPS Rev 4W

—N/A

EPS Rev 12W

—N/A

EPS Improve

—N/A

Q Growth

134%82.4

FUNDAMENTALS

Market Cap

$238M

P/E (Forward)

14.5x

Gross Margin

100.0%

SECTOR PEERS

Closest peers in Technology, ranked by industry match, size, and score similarity. Cross-listings of 234340.KQ are excluded.

Ticker	Company	Mkt Cap	StockRank	Signal
234340.KQ	Hecto Financial Co., Ltd.(you)	$238M	74	BUY
042000.KQ	Cafe24 Corp.	$312M	74	BUY
035600.KQ	Kginicis Co.,Ltd	$177M	82	STRONG BUY
263860.KQ	Genians, Inc.	$81M	76	BUY
060250.KQ	NHN KCP Corp.	$450M	87	STRONG BUY
053800.KQ	AhnLab, Inc.	$387M	92	STRONG BUY
036800.KQ	Nice Information & Telecommunication, Inc.	$157M	95	STRONG BUY
214180.KQ	Hecto Innovation Co., Ltd.	$125M	92	STRONG BUY
203650.KQ	Dream Security co., Ltd.	$191M	37	HOLD
064260.KQ	Danal Co., Ltd.	$274M	25	SELL

Peer medians: ROE 5.0% · P/E 25.3x · Gross margin 22.1%

Hecto Financial Co., Ltd. (234340.KQ) — Stock Score Summary

Hecto Financial Co., Ltd. (234340.KQ) has a MoatMap StockRank of 74/100 based on Quality (58/100), Value (66/100), and Momentum (37/100) factor scores. The current signal is BUY. Hecto Financial provides electronic payment services in South Korea, but it lacks a global scale moat and faces intense domestic competition in a mature market.

Key Financial Metrics

Price	$15.07
Market Cap	$238M
P/E (TTM)	31.74
P/E (Forward)	14.48
Price/Book	1.76
Return on Equity	10.4%
Return on Invested Capital	7.6%
Debt/Equity	8.08
Gross Margin	100.0%
Operating Margin	15.7%
Revenue Growth	25.0%
Dividend Yield	1.0%
Free Cash Flow	$14K

Hecto Financial Co., Ltd. operates in the Software - Infrastructure industry, part of the Technology sector (South Korea).

Frequently Asked Questions

What is Hecto Financial Co., Ltd.’s (234340.KQ) StockRank?: MoatMap’s StockRank for Hecto Financial Co., Ltd. (234340.KQ) is 74/100, with a Buy signal. It is a composite of Quality (58), Value (66), and Momentum (37) factor ranks across MoatMap’s 20,000+ stock universe.
Does Hecto Financial Co., Ltd. have an economic moat?: Hecto Financial Co., Ltd. (234340.KQ) has a Quality factor score of 58/100. The Quality factor combines ROIC, Piotroski F-Score, and leverage — the financial fingerprints of a durable competitive advantage. A Quality score above 70 typically indicates a company with the characteristics of a moated business.
Is Hecto Financial Co., Ltd. a buy, hold, or sell?: MoatMap’s current signal for Hecto Financial Co., Ltd. (234340.KQ) is Buy, based on a StockRank of 74/100. Signals are derived mechanically from the StockRank composite and should be one input among many — combine with your own thesis on management, competitive position, and valuation.
What sector is Hecto Financial Co., Ltd. in?: Hecto Financial Co., Ltd. (234340.KQ) operates in the Technology sector, specifically the Software - Infrastructure industry (South Korea).