KB FINANCIAL GROUP INC-ADR (KB) Stock Fundamental Analysis
USA - New York Stock Exchange - NYSE:KB - US48241A1051 - ADR
85.17 USD
+1.11 (+1.32%)
85.17 USD
0 (0%)
Overall KB gets a fundamental rating of 3 out of 10. We evaluated KB against 387 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.
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.
1.2 Ratios
KB has a Return On Assets of 0.71%. This is in the lower half of the industry: KB underperforms 64.60% of its industry peers.
With a Return On Equity value of 9.36%, KB perfoms like the industry average, outperforming 57.11% of the companies in the same industry.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| ROA | 0.71% | ||
| ROE | 9.36% | ||
| 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
KB has a worse Profit Margin (13.13%) than 80.62% of its industry peers.
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 Rank | Sector Rank | ||
|---|---|---|---|
| OM | N/A | ||
| PM (TTM) | 13.13% | ||
| 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
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.
KB has less shares outstanding than it did 5 years ago.
KB has a better debt/assets ratio than last year.
2.2 Solvency
KB has a Debt/Equity ratio of 2.44. This is a high value indicating a heavy dependency on external financing.
KB has a Debt to Equity ratio of 2.44. This is amonst the worse of the industry: KB underperforms 90.44% of its industry peers.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Debt/Equity | 2.44 | ||
| 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 |
3. Growth
3.1 Past
The Earnings Per Share has grown by an impressive 29.33% 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 8.72% on average per year.
Looking at the last year, KB shows a quite strong growth in Revenue. The Revenue has grown by 9.27% 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)29.33%
EPS 3Y5.37%
EPS 5Y8.72%
EPS Q2Q%8.85%
Revenue 1Y (TTM)9.27%
Revenue growth 3Y-0.36%
Revenue growth 5Y5.77%
Sales Q2Q%-1.45%
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 11.80% yearly.
Based on estimates for the next years, KB will show a small growth in Revenue. The Revenue will grow by 1.21% on average per year.
EPS Next Y22.58%
EPS Next 2Y14.29%
EPS Next 3Y11.8%
EPS Next 5YN/A
Revenue Next Year-1.74%
Revenue Next 2Y0.23%
Revenue Next 3Y1.21%
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.
The Revenue growth rate is decreasing: in the next years the growth will be less than in the last years.
4. Valuation
4.1 Price/Earnings Ratio
A Price/Earnings ratio of 7.93 indicates a rather cheap valuation of KB.
93.80% of the companies in the same industry are more expensive than KB, based on the Price/Earnings ratio.
Compared to an average S&P500 Price/Earnings ratio of 26.15, KB is valued rather cheaply.
With a Price/Forward Earnings ratio of 7.19, the valuation of KB can be described as very cheap.
Compared to the rest of the industry, the Price/Forward Earnings ratio of KB indicates a rather cheap valuation: KB is cheaper than 90.70% of the companies listed in the same industry.
The average S&P500 Price/Forward Earnings ratio is at 36.12. KB is valued rather cheaply when compared to this.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| PE | 7.93 | ||
| Fwd PE | 7.19 |
4.2 Price Multiples
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| P/FCF | N/A | ||
| EV/EBITDA | N/A |
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.
PEG (NY)0.35
PEG (5Y)0.91
EPS Next 2Y14.29%
EPS Next 3Y11.8%
5. Dividend
5.1 Amount
KB has a Yearly Dividend Yield of 2.24%.
KB's Dividend Yield is slightly below the industry average, which is at 3.33.
KB's Dividend Yield is comparable with the S&P500 average which is at 2.41.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Dividend Yield | 2.24% |
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 22.29% 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.
DP22.29%
EPS Next 2Y14.29%
EPS Next 3Y11.8%
85.17
+1.11 (+1.32%)
Chartmill FA Rating
GICS SectorFinancials
GICS IndustryGroupBanks
GICS IndustryBanks
Earnings (Last)
Earnings (Next)
Inst Owners54.91%
Inst Owner Change2.48%
Ins Owners0.01%
Ins Owner ChangeN/A
Market Cap30.77B
Revenue(TTM)41.19T
Net Income(TTM)5.53T
Analysts84.29
Price Target99.93 (17.33%)
Short Float %0.11%
Short Ratio3.07
Dividend
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Dividend Yield | 2.24% |
Yearly Dividend2.81
Dividend Growth(5Y)15.38%
DP22.29%
Div Incr Years0
Div Non Decr Years0
Ex-Date
Surprises & Revisions
EPS beat(2)1
Avg EPS beat(2)0.41%
Min EPS beat(2)-0.81%
Max EPS beat(2)1.63%
EPS beat(4)2
Avg EPS beat(4)0.19%
Min EPS beat(4)-4.87%
Max EPS beat(4)4.79%
EPS beat(8)3
Avg EPS beat(8)-5.53%
EPS beat(12)5
Avg EPS beat(12)-8.16%
EPS beat(16)7
Avg EPS beat(16)-6.23%
Revenue beat(2)2
Avg Revenue beat(2)20.01%
Min Revenue beat(2)18.07%
Max Revenue beat(2)21.96%
Revenue beat(4)4
Avg Revenue beat(4)20.29%
Min Revenue beat(4)18.07%
Max Revenue beat(4)21.96%
Revenue beat(8)7
Avg Revenue beat(8)14.35%
Revenue beat(12)9
Avg Revenue beat(12)41.45%
Revenue beat(16)13
Avg Revenue beat(16)69.89%
PT rev (1m)-2.69%
PT rev (3m)-3.18%
EPS NQ rev (1m)3.7%
EPS NQ rev (3m)0.99%
EPS NY rev (1m)4.06%
EPS NY rev (3m)3.76%
Revenue NQ rev (1m)0.56%
Revenue NQ rev (3m)-4.97%
Revenue NY rev (1m)0.62%
Revenue NY rev (3m)-2.49%
Valuation
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| PE | 7.93 | ||
| Fwd PE | 7.19 | ||
| P/S | 1.08 | ||
| P/FCF | N/A | ||
| P/OCF | N/A | ||
| P/B | 0.77 | ||
| P/tB | 0.79 | ||
| EV/EBITDA | N/A |
EPS(TTM)10.74
EY12.61%
EPS(NY)11.85
Fwd EY13.91%
FCF(TTM)-1.91
FCFYN/A
OCF(TTM)-0.71
OCFYN/A
SpS79.1
BVpS110.9
TBVpS107.49
PEG (NY)0.35
PEG (5Y)0.91
Graham Number163.7
Profitability
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| ROA | 0.71% | ||
| ROE | 9.36% | ||
| ROCE | N/A | ||
| ROIC | N/A | ||
| ROICexc | N/A | ||
| ROICexgc | N/A | ||
| OM | N/A | ||
| PM (TTM) | 13.13% | ||
| 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
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 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 | 2.44 | ||
| Debt/FCF | N/A | ||
| Debt/EBITDA | N/A | ||
| Cap/Depr | 69.48% | ||
| Cap/Sales | 1.52% | ||
| 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)29.33%
EPS 3Y5.37%
EPS 5Y8.72%
EPS Q2Q%8.85%
EPS Next Y22.58%
EPS Next 2Y14.29%
EPS Next 3Y11.8%
EPS Next 5YN/A
Revenue 1Y (TTM)9.27%
Revenue growth 3Y-0.36%
Revenue growth 5Y5.77%
Sales Q2Q%-1.45%
Revenue Next Year-1.74%
Revenue Next 2Y0.23%
Revenue Next 3Y1.21%
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-109.52%
FCF growth 3YN/A
FCF growth 5Y-16.7%
OCF growth 1Y-103.33%
OCF growth 3YN/A
OCF growth 5Y-15.62%
KB FINANCIAL GROUP INC-ADR / KB FAQ
What is the ChartMill fundamental rating of KB FINANCIAL GROUP INC-ADR (KB) stock?
ChartMill assigns a fundamental rating of 3 / 10 to KB.
What is the valuation status of KB FINANCIAL GROUP INC-ADR (KB) stock?
ChartMill assigns a valuation rating of 6 / 10 to KB FINANCIAL GROUP INC-ADR (KB). This can be considered as Fairly Valued.
What is the profitability of KB stock?
KB FINANCIAL GROUP INC-ADR (KB) has a profitability rating of 2 / 10.
What is the financial health of KB FINANCIAL GROUP INC-ADR (KB) stock?
The financial health rating of KB FINANCIAL GROUP INC-ADR (KB) is 1 / 10.
What is the expected EPS growth for KB FINANCIAL GROUP INC-ADR (KB) stock?
The Earnings per Share (EPS) of KB FINANCIAL GROUP INC-ADR (KB) is expected to grow by 22.58% in the next year.