KB Fundamental Analysis - KB FINANCIAL GROUP INC-ADR

Fundamental Rating

Taking everything into account, KB scores 3 out of 10 in our fundamental rating. KB was compared to 393 industry peers in the Banks industry. Both the profitability and financial health of KB have multiple concerns. KB is not valued too expensively and it also shows a decent growth rate.

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1. Profitability

1.1 Basic Checks

In the past year KB was profitable.

In the past year KB has reported a negative cash flow from operations.

In the past 5 years KB has always been profitable.

The reported operating cash flow has been mixed in the past 5 years: KB reported negative operating cash flow in multiple years.

1.2 Ratios

KB's Return On Assets of 0.72% is in line compared to the rest of the industry. KB outperforms 40.46% of its industry peers.

The Return On Equity of KB (9.49%) is better than 61.32% of its industry peers.

		Industry Rank	Sector Rank
ROA	0.72%
ROE	9.49%
ROIC	N/A

ROA(3y)0.61%

ROA(5y)0.61%

ROE(3y)7.94%

ROE(5y)8.21%

ROIC(3y)N/A

ROIC(5y)N/A

1.3 Margins

The Profit Margin of KB (13.93%) is worse than 76.59% of its industry peers.

KB's Profit Margin has improved in the last couple of years.

KB does not have Operating Margin and Gross Margin available, so we won't be analyzing them here.

		Industry Rank	Sector Rank
OM	N/A
PM (TTM)	13.93%
GM	N/A

OM growth 3YN/A

OM growth 5YN/A

PM growth 3Y4.37%

PM growth 5Y2.2%

GM growth 3YN/A

GM growth 5YN/A

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ROA

ROE

ROIC

Operating and Profit Margin

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2. Health

2.1 Basic Checks

KB does not have a ROIC to compare to the WACC, probably because it is not profitable.

KB has less shares outstanding than it did 1 year ago.

Compared to 5 years ago, KB has less shares outstanding

Compared to 1 year ago, KB has an improved debt to assets ratio.

2.2 Solvency

A Debt/Equity ratio of 2.48 is on the high side and indicates that KB has dependencies on debt financing.

KB's Debt to Equity ratio of 2.48 is on the low side compared to the rest of the industry. KB is outperformed by 90.59% of its industry peers.

		Industry Rank	Sector Rank
Debt/Equity	2.48
Debt/FCF	N/A
Altman-Z	N/A

ROIC/WACCN/A

WACC0.11%

2.3 Liquidity

		Industry Rank	Sector Rank
Current Ratio	N/A
Quick Ratio	N/A

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WACC

Debt/Equity

How to determine the health of a company

Altman-Z score

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3. Growth

3.1 Past

KB shows a strong growth in Earnings Per Share. In the last year, the EPS has been growing by 12.20%, which is quite good.

KB shows quite a strong growth in Earnings Per Share. Measured over the last years, the EPS has been growing by 8.72% yearly.

Looking at the last year, KB shows a small growth in Revenue. The Revenue has grown by 6.74% in the last year.

Measured over the past years, KB shows a small growth in Revenue. The Revenue has been growing by 5.77% on average per year.

EPS 1Y (TTM)12.2%

EPS 3Y5.37%

EPS 5Y8.72%

EPS Q2Q%4.39%

Revenue 1Y (TTM)6.74%

Revenue growth 3Y-0.36%

Revenue growth 5Y5.77%

Sales Q2Q%16.36%

3.2 Future

KB is expected to show quite a strong growth in Earnings Per Share. In the coming years, the EPS will grow by 12.16% yearly.

KB is expected to show a small growth in Revenue. In the coming years, the Revenue will grow by 2.18% yearly.

EPS Next Y18.51%

EPS Next 2Y12.49%

EPS Next 3Y12.16%

EPS Next 5YN/A

Revenue Next Year0.76%

Revenue Next 2Y1.27%

Revenue Next 3Y2.18%

Revenue Next 5YN/A

3.3 Evolution

When comparing the EPS growth rate of the last years to the growth rate of the upcoming years, we see that the growth is accelerating.

When comparing the Revenue growth rate of the last years to the growth rate of the upcoming years, we see that the growth is decreasing.

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4. Valuation

4.1 Price/Earnings Ratio

The Price/Earnings ratio is 8.38, which indicates a very decent valuation of KB.

92.37% of the companies in the same industry are more expensive than KB, based on the Price/Earnings ratio.

KB's Price/Earnings ratio indicates a rather cheap valuation when compared to the S&P500 average which is at 27.24.

The Price/Forward Earnings ratio is 6.62, which indicates a rather cheap valuation of KB.

Based on the Price/Forward Earnings ratio, KB is valued cheaply inside the industry as 92.37% of the companies are valued more expensively.

KB's Price/Forward Earnings ratio indicates a rather cheap valuation when compared to the S&P500 average which is at 35.82.

		Industry Rank	Sector Rank
PE	8.38
Fwd PE	6.62

4.2 Price Multiples

		Industry Rank	Sector Rank
P/FCF	N/A
EV/EBITDA	N/A

4.3 Compensation for Growth

KB's low PEG Ratio(NY), which compensates the Price/Earnings for growth, indicates a rather cheap valuation of the company.

A more expensive valuation may be justified as KB's earnings are expected to grow with 12.16% in the coming years.

PEG (NY)0.45

PEG (5Y)0.96

EPS Next 2Y12.49%

EPS Next 3Y12.16%

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5. Dividend

5.1 Amount

With a Yearly Dividend Yield of 2.80%, KB has a reasonable but not impressive dividend return.

Compared to an average industry Dividend Yield of 3.41, KB has a dividend in line with its industry peers.

Compared to an average S&P500 Dividend Yield of 2.36, KB has a dividend comparable with the average S&P500 company.

		Industry Rank	Sector Rank
Dividend Yield	2.8%

5.2 History

On average, the dividend of KB grows each year by 15.38%, which is quite nice.

KB has paid a dividend for at least 10 years, which is a reliable track record.

Dividend Growth(5Y)15.38%

Div Incr Years0

Div Non Decr Years0

5.3 Sustainability

KB pays out 26.91% of its income as dividend. This is a sustainable payout ratio.

KB's earnings are growing slower than its dividend. This means the dividend growth is not sustainable.

DP26.91%

EPS Next 2Y12.49%

EPS Next 3Y12.16%

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KB FINANCIAL GROUP INC-ADR

NYSE:KB (8/22/2025, 4:15:00 PM)

79.83

+1.41 (+1.8%)

Chartmill FA Rating

GICS SectorFinancials

GICS IndustryGroupBanks

GICS IndustryBanks

Earnings (Last)07-24 2025-07-24/amc

Earnings (Next)10-22 2025-10-22/amc

Inst Owners54.13%

Inst Owner Change-1.76%

Ins Owners0.01%

Ins Owner ChangeN/A

Market Cap29.07B

Analysts83.7

Price Target103.21 (29.29%)

Short Float %0.13%

Short Ratio1.97

Dividend

		Industry Rank	Sector Rank
Dividend Yield	2.8%

Yearly Dividend2.97

Dividend Growth(5Y)15.38%

DP26.91%

Div Incr Years0

Div Non Decr Years0

Ex-Date05-09 2025-05-09 (0.660391)

Surprises & Revisions

EPS beat(2)0

Avg EPS beat(2)-2.84%

Min EPS beat(2)-4.87%

Max EPS beat(2)-0.81%

EPS beat(4)2

Avg EPS beat(4)2.59%

Min EPS beat(4)-4.87%

Max EPS beat(4)11.26%

EPS beat(8)3

Avg EPS beat(8)-5.26%

EPS beat(12)4

Avg EPS beat(12)-8.43%

EPS beat(16)7

Avg EPS beat(16)-6.11%

Revenue beat(2)2

Avg Revenue beat(2)19.52%

Min Revenue beat(2)18.07%

Max Revenue beat(2)20.96%

Revenue beat(4)4

Avg Revenue beat(4)19.8%

Min Revenue beat(4)18.07%

Max Revenue beat(4)20.96%

Revenue beat(8)6

Avg Revenue beat(8)11.17%

Revenue beat(12)9

Avg Revenue beat(12)54.71%

Revenue beat(16)13

Avg Revenue beat(16)78.62%

PT rev (1m)15.27%

PT rev (3m)24.92%

EPS NQ rev (1m)5.19%

EPS NQ rev (3m)2.6%

EPS NY rev (1m)2.29%

EPS NY rev (3m)-0.89%

Revenue NQ rev (1m)-0.12%

Revenue NQ rev (3m)1.15%

Revenue NY rev (1m)0.62%

Revenue NY rev (3m)0.62%

Valuation

		Industry Rank	Sector Rank
PE	8.38
Fwd PE	6.62
P/S	1.03
P/FCF	N/A
P/OCF	N/A
P/B	0.7
P/tB	0.72
EV/EBITDA	N/A

EPS(TTM)9.53

EY11.94%

EPS(NY)12.06

Fwd EY15.1%

FCF(TTM)-5.46

FCFYN/A

OCF(TTM)-4.13

OCFYN/A

SpS77.86

BVpS114.33

TBVpS110.56

PEG (NY)0.45

PEG (5Y)0.96

Profitability

		Industry Rank	Sector Rank
ROA	0.72%
ROE	9.49%
ROCE	N/A
ROIC	N/A
ROICexc	N/A
ROICexgc	N/A
OM	N/A
PM (TTM)	13.93%
GM	N/A
FCFM	N/A

ROA(3y)0.61%

ROA(5y)0.61%

ROE(3y)7.94%

ROE(5y)8.21%

ROIC(3y)N/A

ROIC(5y)N/A

ROICexc(3y)N/A

ROICexc(5y)N/A

ROICexgc(3y)N/A

ROICexgc(5y)N/A

ROCE(3y)N/A

ROCE(5y)N/A

ROICexcg growth 3YN/A

ROICexcg growth 5YN/A

ROICexc growth 3YN/A

ROICexc growth 5YN/A

OM growth 3YN/A

OM growth 5YN/A

PM growth 3Y4.37%

PM growth 5Y2.2%

GM growth 3YN/A

GM growth 5YN/A

F-Score6

Asset Turnover0.05

Health

		Industry Rank	Sector Rank
Debt/Equity	2.48
Debt/FCF	N/A
Debt/EBITDA	N/A
Cap/Depr	73.59%
Cap/Sales	1.71%
Interest Coverage	N/A
Cash Conversion	N/A
Profit Quality	N/A
Current Ratio	N/A
Quick Ratio	N/A
Altman-Z	N/A

F-Score6

WACC0.11%

ROIC/WACCN/A

Cap/Depr(3y)65.32%

Cap/Depr(5y)60.28%

Cap/Sales(3y)1.53%

Cap/Sales(5y)1.51%

Profit Quality(3y)84.39%

Profit Quality(5y)N/A

High Growth Momentum

Growth

EPS 1Y (TTM)12.2%

EPS 3Y5.37%

EPS 5Y8.72%

EPS Q2Q%4.39%

EPS Next Y18.51%

EPS Next 2Y12.49%

EPS Next 3Y12.16%

EPS Next 5YN/A

Revenue 1Y (TTM)6.74%

Revenue growth 3Y-0.36%

Revenue growth 5Y5.77%

Sales Q2Q%16.36%

Revenue Next Year0.76%

Revenue Next 2Y1.27%

Revenue Next 3Y2.18%

Revenue Next 5YN/A

EBIT growth 1YN/A

EBIT growth 3YN/A

EBIT growth 5YN/A

EBIT Next YearN/A

EBIT Next 3YN/A

EBIT Next 5YN/A

FCF growth 1Y-155.04%

FCF growth 3YN/A

FCF growth 5Y-16.7%

OCF growth 1Y-137%

OCF growth 3YN/A

OCF growth 5Y-15.62%

KB FINANCIAL GROUP INC-ADR (KB) Stock Fundamental Analysis

1. Profitability

1.1 Basic Checks

1.2 Ratios

1.3 Margins

More info and screens

2. Health

2.1 Basic Checks

2.2 Solvency

2.3 Liquidity

More info and screens

3. Growth

3.1 Past

3.2 Future

3.3 Evolution

More info and screens

4. Valuation

4.1 Price/Earnings Ratio

4.2 Price Multiples

4.3 Compensation for Growth

More info and screens

5. Dividend

5.1 Amount

5.2 History

5.3 Sustainability

More info and screens