KB FINANCIAL GROUP INC-ADR (KB) Fundamental Analysis & Valuation

NYSE:KB • US48241A1051

Current stock price

106.53 USD
-3.05 (-2.78%)
At close:
106.53 USD
0 (0%)
After Hours:

This KB fundamental analysis includes valuation metrics, fair value assessment, financial health analysis, profitability trends, growth metrics and dividend sustainability analysis.

3

1. KB Profitability Analysis

1.1 Basic Checks

  • KB had positive earnings in the past year.
  • KB had a positive operating cash flow in the past year.
  • Each year in the past 5 years KB has been profitable.
  • KB had a positive operating cash flow in 4 of the past 5 years.
KB Yearly Net Income VS EBIT VS OCF VS FCFKB Yearly Net Income VS EBIT VS OCF VS FCFYearly Net Income VS EBIT VS OCF VS FCF 2016 2017 2018 2019 2020 2021 2022 2023 2024 2025 0 5T -5T -10T

1.2 Ratios

  • Looking at the Return On Assets, with a value of 0.71%, KB is doing worse than 73.74% of the companies in the same industry.
  • KB's Return On Equity of 9.54% is in line compared to the rest of the industry. KB outperforms 52.25% of its industry peers.
Industry RankSector Rank
ROA 0.71%
ROE 9.54%
ROIC N/A
ROA(3y)0.66%
ROA(5y)0.64%
ROE(3y)8.58%
ROE(5y)8.5%
ROIC(3y)N/A
ROIC(5y)N/A
KB Yearly ROA, ROE, ROICKB Yearly ROA, ROE, ROICYearly ROA, ROE, ROIC 2016 2017 2018 2019 2020 2021 2022 2023 2024 2025 2 4 6 8

1.3 Margins

  • The Profit Margin of KB (13.13%) is worse than 83.82% 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 RankSector Rank
OM N/A
PM (TTM) 13.13%
GM N/A
OM growth 3YN/A
OM growth 5YN/A
PM growth 3Y9.89%
PM growth 5Y5.77%
GM growth 3YN/A
GM growth 5YN/A
KB Yearly Profit, Operating, Gross MarginsKB Yearly Profit, Operating, Gross MarginsYearly Profit, Operating, Gross Margins 2016 2017 2018 2019 2020 2021 2022 2023 2024 2025 2 4 6 8 10

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ROAROEROICOperating and Profit MarginShow most profitable peers

1

2. KB Health Analysis

2.1 Basic Checks

  • KB does not have a ROIC to compare to the WACC, probably because it is not profitable.
  • The number of shares outstanding for KB has been reduced compared to 1 year ago.
  • KB has less shares outstanding than it did 5 years ago.
  • Compared to 1 year ago, KB has an improved debt to assets ratio.
KB Yearly Shares OutstandingKB Yearly Shares OutstandingYearly Shares Outstanding 2016 2017 2018 2019 2020 2021 2022 2023 2024 2025 100M 200M 300M
KB Yearly Total Debt VS Total AssetsKB Yearly Total Debt VS Total AssetsYearly Total Debt VS Total Assets 2016 2017 2018 2019 2020 2021 2022 2023 2024 2025 200T 400T 600T

2.2 Solvency

  • The Debt to FCF ratio of KB is 41.31, which is on the high side as it means it would take KB, 41.31 years of fcf income to pay off all of its debts.
  • Looking at the Debt to FCF ratio, with a value of 41.31, KB is doing worse than 86.74% of the companies in the same industry.
  • A Debt/Equity ratio of 2.57 is on the high side and indicates that KB has dependencies on debt financing.
  • The Debt to Equity ratio of KB (2.57) is worse than 90.98% of its industry peers.
Industry RankSector Rank
Debt/Equity 2.57
Debt/FCF 41.31
Altman-Z N/A
ROIC/WACCN/A
WACC0.1%
KB Yearly LT Debt VS Equity VS FCFKB Yearly LT Debt VS Equity VS FCFYearly LT Debt VS Equity VS FCF 2016 2017 2018 2019 2020 2021 2022 2023 2024 2025 0 50T 100T

2.3 Liquidity

Industry RankSector Rank
Current Ratio N/A
Quick Ratio N/A
KB Yearly Current Assets VS Current LiabilitesKB Yearly Current Assets VS Current LiabilitesYearly Current Assets VS Current Liabilites 2016 2017 2018 2019 2020 2021 2022 2023 2024 2025 10T 20T 30T 40T 50T

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WACCDebt/EquityHow to determine the health of a companyAltman-Z scoreShow peers with great health

5

3. KB Growth Analysis

3.1 Past

  • The Earnings Per Share has grown by an nice 19.85% over the past year.
  • Measured over the past years, KB shows a quite strong growth in Earnings Per Share. The EPS has been growing by 11.93% on average per year.
  • The Revenue has grown by 10.00% in the past year. This is quite good.
  • Measured over the past years, KB shows a small growth in Revenue. The Revenue has been growing by 4.31% on average per year.
EPS 1Y (TTM)19.85%
EPS 3Y12.57%
EPS 5Y11.93%
EPS Q2Q%10.67%
Revenue 1Y (TTM)10%
Revenue growth 3Y1.76%
Revenue growth 5Y4.31%
Sales Q2Q%-1.02%

3.2 Future

  • The Earnings Per Share is expected to grow by 13.34% on average over the next years. This is quite good.
  • Based on estimates for the next years, KB will show a small growth in Revenue. The Revenue will grow by 4.19% on average per year.
EPS Next Y14.27%
EPS Next 2Y11.29%
EPS Next 3Y13.34%
EPS Next 5YN/A
Revenue Next Year5.8%
Revenue Next 2Y4.62%
Revenue Next 3Y4.19%
Revenue Next 5YN/A

3.3 Evolution

  • The EPS growth rate is stable: in the next years the growth will be about the same than in the last years.
  • The Revenue growth rate is stable: in the next years the growth will be about the same than in the last years.
KB Yearly Revenue VS EstimatesKB Yearly Revenue VS EstimatesYearly Revenue VS Estimates 2015 2016 2017 2018 2019 2020 2021 2022 2023 2024 2025 2026 2027 2028 10T 20T 30T 40T
KB Yearly EPS VS EstimatesKB Yearly EPS VS EstimatesYearly EPS VS Estimates 2015 2016 2017 2018 2019 2020 2021 2022 2023 2024 2025 2026 2027 2028 5K 10K 15K 20K

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6

4. KB Valuation Analysis

4.1 Price/Earnings Ratio

  • KB is valuated reasonably with a Price/Earnings ratio of 10.10.
  • 80.11% of the companies in the same industry are more expensive than KB, based on the Price/Earnings ratio.
  • When comparing the Price/Earnings ratio of KB to the average of the S&P500 Index (27.33), we can say KB is valued rather cheaply.
  • A Price/Forward Earnings ratio of 8.83 indicates a reasonable valuation of KB.
  • Compared to the rest of the industry, the Price/Forward Earnings ratio of KB indicates a rather cheap valuation: KB is cheaper than 82.49% of the companies listed in the same industry.
  • KB's Price/Forward Earnings ratio indicates a rather cheap valuation when compared to the S&P500 average which is at 38.16.
Industry RankSector Rank
PE 10.1
Fwd PE 8.83
KB Price Earnings VS Forward Price EarningsKB Price Earnings VS Forward Price Earnings ChartPrice Earnings - Forward Price Earnings PE FPE 10 20 30

4.2 Price Multiples

  • Based on the Price/Free Cash Flow ratio, KB is valued a bit more expensive than the industry average as 63.93% of the companies are valued more cheaply.
Industry RankSector Rank
P/FCF 15.3
EV/EBITDA N/A
KB Per share dataKB EPS, Sales, OCF, FCF, BookValue per sharePer Share Data Per Share 20 40 60 80 100

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 13.34% in the coming years.
PEG (NY)0.71
PEG (5Y)0.85
EPS Next 2Y11.29%
EPS Next 3Y13.34%

More info and screens

Price/EarningsPrice/FCFFCF per shareEV/EBITDAPEG RATIOShow best valued peers

6

5. KB Dividend Analysis

5.1 Amount

  • With a Yearly Dividend Yield of 2.76%, KB has a reasonable but not impressive dividend return.
  • Compared to an average industry Dividend Yield of 2.53, KB has a dividend in line with its industry peers.
  • Compared to an average S&P500 Dividend Yield of 1.82, KB pays a better dividend.
Industry RankSector Rank
Dividend Yield 2.76%

5.2 History

  • On average, the dividend of KB grows each year by 9.99%, which is quite nice.
  • KB has paid a dividend for at least 10 years, which is a reliable track record.
Dividend Growth(5Y)9.99%
Div Incr Years0
Div Non Decr Years0
KB Yearly Dividends per shareKB Yearly Dividends per shareYearly Dividends per share 2016 2017 2018 2019 2020 2021 2022 2023 2024 2025 500 1K 1.5K 2K 2.5K

5.3 Sustainability

  • 23.13% of the earnings are spent on dividend by KB. This is a low number and sustainable payout ratio.
  • KB's earnings are growing more than its dividend. This makes the dividend growth sustainable.
DP23.13%
EPS Next 2Y11.29%
EPS Next 3Y13.34%
KB Yearly Income VS Free CF VS DividendKB Yearly Income VS Free CF VS DividendYearly Income VS Free CF VS Dividend 2016 2017 2018 2019 2020 2021 2022 2023 2024 2025 0 5T -5T -10T
KB Dividend Payout.KB Dividend Payout, showing the Payout Ratio.KB Dividend Payout.PayoutRetained Earnings

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KB Fundamentals: All Metrics, Ratios and Statistics

KB FINANCIAL GROUP INC-ADR

NYSE:KB (4/15/2026, 4:15:00 PM)

After market: 106.53 0 (0%)

106.53

-3.05 (-2.78%)

Chartmill FA Rating
GICS SectorFinancials
GICS IndustryGroupBanks
GICS IndustryBanks
Earnings (Last)02-05
Earnings (Next)04-22
Inst Owners59.93%
Inst Owner Change-0.03%
Ins Owners0.01%
Ins Owner ChangeN/A
Market Cap38.20B
Revenue(TTM)42.88T
Net Income(TTM)5.63T
Analysts84.83
Price Target131.46 (23.4%)
Short Float %0.12%
Short Ratio1.39
Dividend
Industry RankSector Rank
Dividend Yield 2.76%
Yearly Dividend2.43
Dividend Growth(5Y)9.99%
DP23.13%
Div Incr Years0
Div Non Decr Years0
Ex-DateN/A
Surprises & Revisions
EPS beat(2)2
Avg EPS beat(2)4.7%
Min EPS beat(2)0.02%
Max EPS beat(2)9.39%
EPS beat(4)3
Avg EPS beat(4)2.56%
Min EPS beat(4)-0.81%
Max EPS beat(4)9.39%
EPS beat(8)5
Avg EPS beat(8)2.36%
EPS beat(12)7
Avg EPS beat(12)-2.2%
EPS beat(16)8
Avg EPS beat(16)-4.95%
Revenue beat(2)2
Avg Revenue beat(2)14.78%
Min Revenue beat(2)13.55%
Max Revenue beat(2)16.01%
Revenue beat(4)4
Avg Revenue beat(4)17.4%
Min Revenue beat(4)13.55%
Max Revenue beat(4)21.96%
Revenue beat(8)8
Avg Revenue beat(8)16.77%
Revenue beat(12)9
Avg Revenue beat(12)10.91%
Revenue beat(16)13
Avg Revenue beat(16)51.06%
PT rev (1m)9.39%
PT rev (3m)28.23%
EPS NQ rev (1m)0.01%
EPS NQ rev (3m)-3.05%
EPS NY rev (1m)0.64%
EPS NY rev (3m)4.34%
Revenue NQ rev (1m)1.46%
Revenue NQ rev (3m)0.04%
Revenue NY rev (1m)0.16%
Revenue NY rev (3m)3.65%
Valuation
Industry RankSector Rank
PE 10.1
Fwd PE 8.83
P/S 1.31
P/FCF 15.3
P/OCF 13.29
P/B 0.95
P/tB 0.98
EV/EBITDA N/A
EPS(TTM)10.55
EY9.9%
EPS(NY)12.06
Fwd EY11.32%
FCF(TTM)6.96
FCFY6.54%
OCF(TTM)8.01
OCFY7.52%
SpS81.32
BVpS111.98
TBVpS108.93
PEG (NY)0.71
PEG (5Y)0.85
Graham Number163.038 (53.04%)
Profitability
Industry RankSector Rank
ROA 0.71%
ROE 9.54%
ROCE N/A
ROIC N/A
ROICexc N/A
ROICexgc N/A
OM N/A
PM (TTM) 13.13%
GM N/A
FCFM 8.56%
ROA(3y)0.66%
ROA(5y)0.64%
ROE(3y)8.58%
ROE(5y)8.5%
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
ROICexgc growth 3YN/A
ROICexgc growth 5YN/A
ROICexc growth 3YN/A
ROICexc growth 5YN/A
OM growth 3YN/A
OM growth 5YN/A
PM growth 3Y9.89%
PM growth 5Y5.77%
GM growth 3YN/A
GM growth 5YN/A
F-Score7
Asset Turnover0.05
Health
Industry RankSector Rank
Debt/Equity 2.57
Debt/FCF 41.31
Debt/EBITDA N/A
Cap/Depr 60.67%
Cap/Sales 1.29%
Interest Coverage N/A
Cash Conversion N/A
Profit Quality 65.2%
Current Ratio N/A
Quick Ratio N/A
Altman-Z N/A
F-Score7
WACC0.1%
ROIC/WACCN/A
Cap/Depr(3y)69.23%
Cap/Depr(5y)62.36%
Cap/Sales(3y)1.56%
Cap/Sales(5y)1.42%
Profit Quality(3y)70.83%
Profit Quality(5y)N/A
High Growth Momentum
Growth
EPS 1Y (TTM)19.85%
EPS 3Y12.57%
EPS 5Y11.93%
EPS Q2Q%10.67%
EPS Next Y14.27%
EPS Next 2Y11.29%
EPS Next 3Y13.34%
EPS Next 5YN/A
Revenue 1Y (TTM)10%
Revenue growth 3Y1.76%
Revenue growth 5Y4.31%
Sales Q2Q%-1.02%
Revenue Next Year5.8%
Revenue Next 2Y4.62%
Revenue Next 3Y4.19%
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 1Y8.2%
FCF growth 3Y-4.86%
FCF growth 5YN/A
OCF growth 1Y5.13%
OCF growth 3Y-3.89%
OCF growth 5YN/A

KB FINANCIAL GROUP INC-ADR / KB Fundamental Analysis FAQ

What is the ChartMill fundamental rating of KB FINANCIAL GROUP INC-ADR (KB) stock?

ChartMill assigns a fundamental rating of 4 / 10 to KB.


Can you provide the valuation status for KB FINANCIAL GROUP INC-ADR?

ChartMill assigns a valuation rating of 6 / 10 to KB FINANCIAL GROUP INC-ADR (KB). This can be considered as Fairly Valued.


How profitable is KB FINANCIAL GROUP INC-ADR (KB) stock?

KB FINANCIAL GROUP INC-ADR (KB) has a profitability rating of 3 / 10.


What are the PE and PB ratios of KB FINANCIAL GROUP INC-ADR (KB) stock?

The Price/Earnings (PE) ratio for KB FINANCIAL GROUP INC-ADR (KB) is 10.1 and the Price/Book (PB) ratio is 0.95.


Can you provide the financial health for KB stock?

The financial health rating of KB FINANCIAL GROUP INC-ADR (KB) is 1 / 10.