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

NYSE:KB • US48241A1051

Current stock price

99.6 USD
-1.23 (-1.22%)
At close:
99.75 USD
+0.15 (+0.15%)
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

  • In the past year KB was profitable.
  • In the past year KB had a positive cash flow from operations.
  • KB had positive earnings in each of the past 5 years.
  • 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

  • The Return On Assets of KB (0.71%) is worse than 72.11% of its industry peers.
  • Looking at the Return On Equity, with a value of 9.54%, KB is in line with its industry, outperforming 53.16% of the companies in the same industry.
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

  • With a Profit Margin value of 13.13%, KB is not doing good in the industry: 82.11% of the companies in the same industry are doing better.
  • KB's Profit Margin has improved in the last couple of years.
  • 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) 13.13%
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

More info and screens

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.
  • Compared to 1 year ago, KB has less shares outstanding
  • Compared to 5 years ago, KB has less shares outstanding
  • The debt/assets ratio for KB has been reduced compared to a year ago.
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

  • KB has a debt to FCF ratio of 41.31. This is a negative value and a sign of low solvency as KB would need 41.31 years to pay back of all of its debts.
  • KB has a worse Debt to FCF ratio (41.31) than 84.47% of its industry peers.
  • KB has a Debt/Equity ratio of 2.57. This is a high value indicating a heavy dependency on external financing.
  • KB has a worse Debt to Equity ratio (2.57) than 90.53% 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

More info and screens

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.
  • The Revenue has been growing slightly by 4.31% on average over the past years.
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

  • Based on estimates for the next years, KB will show a quite strong growth in Earnings Per Share. The EPS will grow by 14.49% on average per year.
  • The Revenue is expected to grow by 4.60% on average over the next years.
EPS Next Y13.55%
EPS Next 2Y10.81%
EPS Next 3Y14.49%
EPS Next 5YN/A
Revenue Next Year5.63%
Revenue Next 2Y4.38%
Revenue Next 3Y4.6%
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.
  • 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

More info and screens

Find the best growth stocksShow best growing peers

6

4. KB Valuation Analysis

4.1 Price/Earnings Ratio

  • A Price/Earnings ratio of 9.74 indicates a reasonable valuation of KB.
  • Based on the Price/Earnings ratio, KB is valued cheaper than 82.37% of the companies in the same industry.
  • KB is valuated cheaply when we compare the Price/Earnings ratio to 25.60, which is the current average of the S&P500 Index.
  • The Price/Forward Earnings ratio is 8.57, which indicates a very decent valuation of KB.
  • KB's Price/Forward Earnings ratio is rather cheap when compared to the industry. KB is cheaper than 83.42% of the companies in the same industry.
  • Compared to an average S&P500 Price/Forward Earnings ratio of 22.84, KB is valued rather cheaply.
Industry RankSector Rank
PE 9.74
Fwd PE 8.57
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

  • Based on the Price/Free Cash Flow ratio, KB is valued a bit more expensive than 62.63% of the companies in the same industry.
Industry RankSector Rank
P/FCF 14.75
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.
  • KB's earnings are expected to grow with 14.49% in the coming years. This may justify a more expensive valuation.
PEG (NY)0.72
PEG (5Y)0.82
EPS Next 2Y10.81%
EPS Next 3Y14.49%

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 2.87%, KB has a reasonable but not impressive dividend return.
  • KB's Dividend Yield is comparable with the industry average which is at 2.66.
  • Compared to an average S&P500 Dividend Yield of 1.88, KB pays a better dividend.
Industry RankSector Rank
Dividend Yield 2.87%

5.2 History

  • On average, the dividend of KB grows each year by 9.99%, which is quite nice.
  • KB has been paying a dividend for at least 10 years, so it has 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

  • KB pays out 23.13% of its income as dividend. This is a sustainable payout ratio.
  • KB's earnings are growing more than its dividend. This makes the dividend growth sustainable.
DP23.13%
EPS Next 2Y10.81%
EPS Next 3Y14.49%
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

More info and screens

Find the best dividend stocksShow peers with best dividend

KB Fundamentals: All Metrics, Ratios and Statistics

KB FINANCIAL GROUP INC-ADR

NYSE:KB (4/2/2026, 8:04:00 PM)

After market: 99.75 +0.15 (+0.15%)

99.6

-1.23 (-1.22%)

Chartmill FA Rating
GICS SectorFinancials
GICS IndustryGroupBanks
GICS IndustryBanks
Earnings (Last)02-05
Earnings (Next)04-22
Inst Owners59.16%
Inst Owner Change-1.25%
Ins Owners0.01%
Ins Owner ChangeN/A
Market Cap35.72B
Revenue(TTM)42.88T
Net Income(TTM)5.63T
Analysts84.83
Price Target120.17 (20.65%)
Short Float %0.16%
Short Ratio1.86
Dividend
Industry RankSector Rank
Dividend Yield 2.87%
Yearly Dividend2.39
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)14.49%
PT rev (3m)17.23%
EPS NQ rev (1m)0.22%
EPS NQ rev (3m)-3.05%
EPS NY rev (1m)2.33%
EPS NY rev (3m)3.67%
Revenue NQ rev (1m)-0.67%
Revenue NQ rev (3m)-1.39%
Revenue NY rev (1m)3.48%
Revenue NY rev (3m)3.48%
Valuation
Industry RankSector Rank
PE 9.74
Fwd PE 8.57
P/S 1.26
P/FCF 14.75
P/OCF 12.82
P/B 0.92
P/tB 0.94
EV/EBITDA N/A
EPS(TTM)10.23
EY10.27%
EPS(NY)11.62
Fwd EY11.66%
FCF(TTM)6.75
FCFY6.78%
OCF(TTM)7.77
OCFY7.8%
SpS78.85
BVpS108.57
TBVpS105.62
PEG (NY)0.72
PEG (5Y)0.82
Graham Number158.09
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 Y13.55%
EPS Next 2Y10.81%
EPS Next 3Y14.49%
EPS Next 5YN/A
Revenue 1Y (TTM)10%
Revenue growth 3Y1.76%
Revenue growth 5Y4.31%
Sales Q2Q%-1.02%
Revenue Next Year5.63%
Revenue Next 2Y4.38%
Revenue Next 3Y4.6%
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 9.74 and the Price/Book (PB) ratio is 0.92.


Can you provide the financial health for KB stock?

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