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

NYSE:KB - New York Stock Exchange, Inc. - US48241A1051 - ADR - Currency: USD

77.96  -0.09 (-0.12%)

Fundamental Rating

3

We assign a fundamental rating of 3 out of 10 to KB. KB was compared to 396 industry peers in the Banks industry. Both the profitability and financial health of KB have multiple concerns. KB has a correct valuation and a medium growth rate.


Dividend Valuation Growth Profitability Health

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2

1. Profitability

1.1 Basic Checks

KB had positive earnings in the past year.
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.
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 2015 2016 2017 2018 2019 2020 2021 2022 2023 2024 0 5T -5T -10T

1.2 Ratios

KB has a worse Return On Assets (0.72%) than 60.86% of its industry peers.
The Return On Equity of KB (9.49%) is better than 61.62% of its industry peers.
Industry RankSector 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
KB Yearly ROA, ROE, ROICKB Yearly ROA, ROE, ROICYearly ROA, ROE, ROIC 2015 2016 2017 2018 2019 2020 2021 2022 2023 2024 2 4 6 8

1.3 Margins

Looking at the Profit Margin, with a value of 13.93%, KB is doing worse than 79.29% of the companies in the same industry.
In the last couple of years the Profit Margin of KB has grown nicely.
The Operating Margin and Gross Margin are not available for KB so they could not be analyzed.
Industry RankSector 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
KB Yearly Profit, Operating, Gross MarginsKB Yearly Profit, Operating, Gross MarginsYearly Profit, Operating, Gross Margins 2015 2016 2017 2018 2019 2020 2021 2022 2023 2024 2 4 6 8 10

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1

2. Health

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.
Compared to 5 years ago, KB has less shares outstanding
KB has a better debt/assets ratio than last year.
KB Yearly Shares OutstandingKB Yearly Shares OutstandingYearly Shares Outstanding 2015 2016 2017 2018 2019 2020 2021 2022 2023 2024 100M 200M 300M
KB Yearly Total Debt VS Total AssetsKB Yearly Total Debt VS Total AssetsYearly Total Debt VS Total Assets 2015 2016 2017 2018 2019 2020 2021 2022 2023 2024 200T 400T 600T

2.2 Solvency

KB has a Debt/Equity ratio of 2.48. This is a high value indicating a heavy dependency on external financing.
The Debt to Equity ratio of KB (2.48) is worse than 91.67% of its industry peers.
Industry RankSector Rank
Debt/Equity 2.48
Debt/FCF N/A
Altman-Z N/A
ROIC/WACCN/A
WACC3.14%
KB Yearly LT Debt VS Equity VS FCFKB Yearly LT Debt VS Equity VS FCFYearly LT Debt VS Equity VS FCF 2015 2016 2017 2018 2019 2020 2021 2022 2023 2024 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 2015 2016 2017 2018 2019 2020 2021 2022 2023 2024 10T 20T 30T 40T 50T

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5

3. Growth

3.1 Past

The Earnings Per Share has grown by an impressive 41.54% over the past year.
The Earnings Per Share has been growing by 8.72% on average over the past years. This is quite good.
The Revenue has been growing slightly by 7.50% in the past year.
The Revenue has been growing slightly by 5.77% on average over the past years.
EPS 1Y (TTM)41.54%
EPS 3Y5.37%
EPS 5Y8.72%
EPS Q2Q%69.66%
Revenue 1Y (TTM)7.5%
Revenue growth 3Y-0.36%
Revenue growth 5Y5.77%
Sales Q2Q%20.59%

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 2.14% yearly.
EPS Next Y18.51%
EPS Next 2Y12.49%
EPS Next 3Y12.16%
EPS Next 5YN/A
Revenue Next Year0.14%
Revenue Next 2Y1.13%
Revenue Next 3Y2.14%
Revenue Next 5YN/A

3.3 Evolution

The EPS growth rate is accelerating: in the next years the growth will be better than in the last years.
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.
KB Yearly Revenue VS EstimatesKB Yearly Revenue VS EstimatesYearly Revenue VS Estimates 2014 2015 2016 2017 2018 2019 2020 2021 2022 2023 2024 2025 2026 2027 10T 20T 30T 40T
KB Yearly EPS VS EstimatesKB Yearly EPS VS EstimatesYearly EPS VS Estimates 2014 2015 2016 2017 2018 2019 2020 2021 2022 2023 2024 2025 2026 2027 5K 10K 15K

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6

4. Valuation

4.1 Price/Earnings Ratio

KB is valuated cheaply with a Price/Earnings ratio of 7.19.
KB's Price/Earnings ratio is rather cheap when compared to the industry. KB is cheaper than 94.70% of the companies in the same industry.
KB is valuated cheaply when we compare the Price/Earnings ratio to 26.52, which is the current average of the S&P500 Index.
KB is valuated cheaply with a Price/Forward Earnings ratio of 6.48.
KB's Price/Forward Earnings ratio is rather cheap when compared to the industry. KB is cheaper than 91.41% of the companies in the same industry.
KB is valuated cheaply when we compare the Price/Forward Earnings ratio to 22.25, which is the current average of the S&P500 Index.
Industry RankSector Rank
PE 7.19
Fwd PE 6.48
KB Price Earnings VS Forward Price EarningsKB Price Earnings VS Forward Price Earnings ChartPrice Earnings - Forward Price Earnings PE FPE 5 10 15 20 25

4.2 Price Multiples

Industry RankSector Rank
P/FCF N/A
EV/EBITDA N/A
KB Per share dataKB EPS, Sales, OCF, FCF, BookValue per sharePer Share Data Per Share 0 20 40 60 80 100

4.3 Compensation for Growth

The 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)0.39
PEG (5Y)0.82
EPS Next 2Y12.49%
EPS Next 3Y12.16%

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5

5. Dividend

5.1 Amount

KB has a Yearly Dividend Yield of 2.99%.
Compared to an average industry Dividend Yield of 3.50, KB has a dividend in line with its industry peers.
Compared to an average S&P500 Dividend Yield of 2.39, KB pays a bit more dividend than the S&P500 average.
Industry RankSector Rank
Dividend Yield 2.99%

5.2 History

The dividend of KB is nicely growing with an annual growth rate of 15.38%!
KB has been paying a dividend for at least 10 years, so it has a reliable track record.
Dividend Growth(5Y)15.38%
Div Incr Years0
Div Non Decr Years0
KB Yearly Dividends per shareKB Yearly Dividends per shareYearly Dividends per share 2015 2016 2017 2018 2019 2020 2021 2022 2023 2024 2025 500 1K 1.5K 2K 2.5K

5.3 Sustainability

26.91% of the earnings are spent on dividend by KB. This is a low number and 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%
KB Yearly Income VS Free CF VS DividendKB Yearly Income VS Free CF VS DividendYearly Income VS Free CF VS Dividend 2015 2016 2017 2018 2019 2020 2021 2022 2023 2024 0 5T -5T -10T
KB Dividend Payout.KB Dividend Payout, showing the Payout Ratio.KB Dividend Payout.PayoutRetained Earnings

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KB FINANCIAL GROUP INC-ADR

NYSE:KB (6/6/2025, 8:04:00 PM)

77.96

-0.09 (-0.12%)

Chartmill FA Rating
GICS SectorFinancials
GICS IndustryGroupBanks
GICS IndustryBanks
Earnings (Last)04-24 2025-04-24/dmh
Earnings (Next)07-21 2025-07-21/amc
Inst Owners54.01%
Inst Owner Change2.58%
Ins Owners0.01%
Ins Owner ChangeN/A
Market Cap28.62B
Analysts85.93
Price Target83.18 (6.7%)
Short Float %0.18%
Short Ratio3.15
Dividend
Industry RankSector Rank
Dividend Yield 2.99%
Yearly Dividend2.95
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)4.74%
PT rev (3m)5.13%
EPS NQ rev (1m)-3.89%
EPS NQ rev (3m)-0.66%
EPS NY rev (1m)-3.89%
EPS NY rev (3m)-4.21%
Revenue NQ rev (1m)0%
Revenue NQ rev (3m)2.03%
Revenue NY rev (1m)0%
Revenue NY rev (3m)0.55%
Valuation
Industry RankSector Rank
PE 7.19
Fwd PE 6.48
P/S 0.98
P/FCF N/A
P/OCF N/A
P/B 0.67
P/tB 0.69
EV/EBITDA N/A
EPS(TTM)10.85
EY13.92%
EPS(NY)12.03
Fwd EY15.43%
FCF(TTM)-5.57
FCFYN/A
OCF(TTM)-4.21
OCFYN/A
SpS79.48
BVpS116.7
TBVpS112.85
PEG (NY)0.39
PEG (5Y)0.82
Profitability
Industry RankSector 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 RankSector 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
WACC3.14%
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)41.54%
EPS 3Y5.37%
EPS 5Y8.72%
EPS Q2Q%69.66%
EPS Next Y18.51%
EPS Next 2Y12.49%
EPS Next 3Y12.16%
EPS Next 5YN/A
Revenue 1Y (TTM)7.5%
Revenue growth 3Y-0.36%
Revenue growth 5Y5.77%
Sales Q2Q%20.59%
Revenue Next Year0.14%
Revenue Next 2Y1.13%
Revenue Next 3Y2.14%
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%