KB FINANCIAL GROUP INC-ADR (KB) Fundamental Analysis & Valuation
NYSE:KB • US48241A1051
99.32 USD
-3.41 (-3.32%)
At close: Mar 12, 2026
99.32 USD
0 (0%)
After Hours: 3/12/2026, 8:04:00 PM
This KB fundamental analysis includes valuation metrics, fair value assessment, financial health analysis, profitability trends, growth metrics and dividend sustainability analysis.
Taking everything into account, KB scores 3 out of 10 in our fundamental rating. KB was compared to 381 industry peers in the Banks industry. KB has a bad profitability rating. Also its financial health evaluation is rather negative. KB has a decent growth rate and is not valued too expensively.
1. KB Profitability Analysis
1.1 Basic Checks
- In the past year KB was profitable.
- KB had a negative operating cash flow in the past year.
- Each year in the past 5 years KB has been profitable.
- In multiple years KB reported negative operating cash flow during the last 5 years.
1.2 Ratios
- KB has a worse Return On Assets (0.70%) than 68.77% of its industry peers.
- KB's Return On Equity of 9.40% is in line compared to the rest of the industry. KB outperforms 55.38% of its industry peers.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| ROA | 0.7% | ||
| ROE | 9.4% | ||
| ROIC | N/A |
ROA(3y)0.66%
ROA(5y)0.65%
ROE(3y)8.7%
ROE(5y)8.57%
ROIC(3y)N/A
ROIC(5y)N/A
1.3 Margins
- The Profit Margin of KB (13.21%) is worse than 81.10% 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) | 13.21% | ||
| GM | N/A |
OM growth 3YN/A
OM growth 5YN/A
PM growth 3Y19.87%
PM growth 5Y11.43%
GM growth 3YN/A
GM growth 5YN/A
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 debt/assets ratio for KB has been reduced compared to a year ago.
2.2 Solvency
- KB has a Debt/Equity ratio of 2.45. This is a high value indicating a heavy dependency on external financing.
- The Debt to Equity ratio of KB (2.45) is worse than 90.55% of its industry peers.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Debt/Equity | 2.45 | ||
| 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. KB Growth Analysis
3.1 Past
- The Earnings Per Share has grown by an impressive 20.02% over the past year.
- KB shows quite a strong growth in Earnings Per Share. Measured over the last years, the EPS has been growing by 11.96% yearly.
- Looking at the last year, KB shows a small growth in Revenue. The Revenue has grown by 3.30% in the last year.
- KB shows a decrease in Revenue. Measured over the last years, the Revenue has been decreasing by -0.26% yearly.
EPS 1Y (TTM)20.02%
EPS 3Y12.62%
EPS 5Y11.96%
EPS Q2Q%11.94%
Revenue 1Y (TTM)3.3%
Revenue growth 3Y-5.55%
Revenue growth 5Y-0.26%
Sales Q2Q%-1.02%
3.2 Future
- The Earnings Per Share is expected to grow by 8.57% on average over the next years. This is quite good.
- KB is expected to show a small growth in Revenue. In the coming years, the Revenue will grow by 4.48% yearly.
EPS Next Y9.99%
EPS Next 2Y8.57%
EPS Next 3YN/A
EPS Next 5YN/A
Revenue Next Year5.4%
Revenue Next 2Y4.21%
Revenue Next 3Y4.48%
Revenue Next 5YN/A
3.3 Evolution
- The EPS growth rate is decreasing: in the next years the growth will be less than in the last years.
- The Revenue growth rate is accelerating: in the next years the growth will be better than in the last years.
4. KB Valuation Analysis
4.1 Price/Earnings Ratio
- With a Price/Earnings ratio of 8.99, the valuation of KB can be described as very reasonable.
- Compared to the rest of the industry, the Price/Earnings ratio of KB indicates a rather cheap valuation: KB is cheaper than 82.41% of the companies listed in the same industry.
- KB's Price/Earnings ratio indicates a rather cheap valuation when compared to the S&P500 average which is at 25.71.
- KB is valuated reasonably with a Price/Forward Earnings ratio of 8.17.
- Based on the Price/Forward Earnings ratio, KB is valued cheaply inside the industry as 81.89% of the companies are valued more expensively.
- KB is valuated cheaply when we compare the Price/Forward Earnings ratio to 23.82, which is the current average of the S&P500 Index.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| PE | 8.99 | ||
| Fwd PE | 8.17 |
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)0.9
PEG (5Y)0.75
EPS Next 2Y8.57%
EPS Next 3YN/A
5. KB Dividend Analysis
5.1 Amount
- KB has a Yearly Dividend Yield of 2.64%. Purely for dividend investing, there may be better candidates out there.
- Compared to an average industry Dividend Yield of 2.86, KB has a dividend in line with its industry peers.
- Compared to an average S&P500 Dividend Yield of 1.82, KB pays a bit more dividend than the S&P500 average.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Dividend Yield | 2.64% |
5.2 History
- The dividend of KB is nicely growing with an annual growth rate of 15.36%!
- KB has been paying a dividend for at least 10 years, so it has a reliable track record.
Dividend Growth(5Y)15.36%
Div Incr Years0
Div Non Decr Years0
5.3 Sustainability
- 22.63% 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.
DP22.63%
EPS Next 2Y8.57%
EPS Next 3YN/A
KB Fundamentals: All Metrics, Ratios and Statistics
99.32
-3.41 (-3.32%)
Chartmill FA Rating
GICS SectorFinancials
GICS IndustryGroupBanks
GICS IndustryBanks
Earnings (Last)02-05 2026-02-05/dmh
Earnings (Next)04-22 2026-04-22
Inst Owners57.93%
Inst Owner Change-1.25%
Ins Owners0.01%
Ins Owner ChangeN/A
Market Cap35.61B
Revenue(TTM)40.27T
Net Income(TTM)5.60T
Analysts84.83
Price Target120.17 (20.99%)
Short Float %0.09%
Short Ratio1.58
Dividend
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Dividend Yield | 2.64% |
Yearly Dividend2.92
Dividend Growth(5Y)15.36%
DP22.63%
Div Incr Years0
Div Non Decr Years0
Ex-DateN/A
Surprises & Revisions
EPS beat(2)2
Avg EPS beat(2)0.83%
Min EPS beat(2)0.02%
Max EPS beat(2)1.63%
EPS beat(4)2
Avg EPS beat(4)-1.01%
Min EPS beat(4)-4.87%
Max EPS beat(4)1.63%
EPS beat(8)4
Avg EPS beat(8)-4.72%
EPS beat(12)6
Avg EPS beat(12)-7.83%
EPS beat(16)7
Avg EPS beat(16)-6.56%
Revenue beat(2)2
Avg Revenue beat(2)17.76%
Min Revenue beat(2)13.55%
Max Revenue beat(2)21.96%
Revenue beat(4)4
Avg Revenue beat(4)18.64%
Min Revenue beat(4)13.55%
Max Revenue beat(4)21.96%
Revenue beat(8)8
Avg Revenue beat(8)16.11%
Revenue beat(12)9
Avg Revenue beat(12)25.38%
Revenue beat(16)13
Avg Revenue beat(16)60.18%
PT rev (1m)14.49%
PT rev (3m)18.09%
EPS NQ rev (1m)4.28%
EPS NQ rev (3m)-5.61%
EPS NY rev (1m)4.28%
EPS NY rev (3m)2.32%
Revenue NQ rev (1m)-0.46%
Revenue NQ rev (3m)-0.12%
Revenue NY rev (1m)3.26%
Revenue NY rev (3m)3.26%
Valuation
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| PE | 8.99 | ||
| Fwd PE | 8.17 | ||
| P/S | 1.24 | ||
| P/FCF | N/A | ||
| P/OCF | N/A | ||
| P/B | 0.88 | ||
| P/tB | 0.91 | ||
| EV/EBITDA | N/A |
EPS(TTM)11.05
EY11.13%
EPS(NY)12.16
Fwd EY12.24%
FCF(TTM)-9.04
FCFYN/A
OCF(TTM)-7.91
OCFYN/A
SpS80.05
BVpS112.49
TBVpS109.12
PEG (NY)0.9
PEG (5Y)0.75
Graham Number167.24
Profitability
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| ROA | 0.7% | ||
| ROE | 9.4% | ||
| ROCE | N/A | ||
| ROIC | N/A | ||
| ROICexc | N/A | ||
| ROICexgc | N/A | ||
| OM | N/A | ||
| PM (TTM) | 13.21% | ||
| GM | N/A | ||
| FCFM | N/A |
ROA(3y)0.66%
ROA(5y)0.65%
ROE(3y)8.7%
ROE(5y)8.57%
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 3Y19.87%
PM growth 5Y11.43%
GM growth 3YN/A
GM growth 5YN/A
F-Score6
Asset Turnover0.05
Health
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Debt/Equity | 2.45 | ||
| Debt/FCF | N/A | ||
| Debt/EBITDA | N/A | ||
| Cap/Depr | 65.87% | ||
| Cap/Sales | 1.42% | ||
| 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)N/A
Cap/Depr(5y)N/A
Cap/Sales(3y)N/A
Cap/Sales(5y)N/A
Profit Quality(3y)N/A
Profit Quality(5y)N/A
High Growth Momentum
Growth
EPS 1Y (TTM)20.02%
EPS 3Y12.62%
EPS 5Y11.96%
EPS Q2Q%11.94%
EPS Next Y9.99%
EPS Next 2Y8.57%
EPS Next 3YN/A
EPS Next 5YN/A
Revenue 1Y (TTM)3.3%
Revenue growth 3Y-5.55%
Revenue growth 5Y-0.26%
Sales Q2Q%-1.02%
Revenue Next Year5.4%
Revenue Next 2Y4.21%
Revenue Next 3Y4.48%
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-247.54%
FCF growth 3YN/A
FCF growth 5YN/A
OCF growth 1Y-209.92%
OCF growth 3YN/A
OCF growth 5YN/A
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 for KB stock?
ChartMill assigns a valuation rating of 5 / 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 earnings growth outlook for KB FINANCIAL GROUP INC-ADR?
The Earnings per Share (EPS) of KB FINANCIAL GROUP INC-ADR (KB) is expected to grow by 9.99% in the next year.
Can you provide the dividend sustainability for KB stock?
The dividend rating of KB FINANCIAL GROUP INC-ADR (KB) is 5 / 10 and the dividend payout ratio is 22.63%.