KB FINANCIAL GROUP INC-ADR (KB)
US48241A1051 - ADR
We assign a fundamental rating of 3 out of 10 to KB. KB was compared to 412 industry peers in the Banks industry. KB may be in some trouble as it scores bad on both profitability and health. KB may be a bit undervalued, certainly considering the very reasonable score on growth Finally KB also has an excellent dividend rating.
1. Profitability
1.1 Basic Checks
KB had positive earnings in the past year.
In the past year KB had a positive cash flow from operations.
KB had positive earnings in each of the past 5 years.
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 0.62%. This is in the lower half of the industry: KB underperforms 71.36% of its industry peers.
KB has a worse Return On Equity (7.81%) than 61.65% of its industry peers.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| ROA | 0.62% | ||
| ROE | 7.81% | ||
| ROIC | N/A |
ROA(3y)0.62%
ROA(5y)0.61%
ROE(3y)8.19%
ROE(5y)8.25%
ROIC(3y)N/A
ROIC(5y)N/A
1.3 Margins
KB has a Profit Margin of 11.53%. This is amonst the worse of the industry: KB underperforms 85.19% of its industry peers.
KB's Profit Margin has been stable in the last couple of years.
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) | 11.53% | ||
| GM | N/A |
OM growth 3YN/A
OM growth 5YN/A
PM growth 3Y5.56%
PM growth 5Y0.63%
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.
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.
KB has a better debt/assets ratio than last year.
2.2 Solvency
KB has a debt to FCF ratio of 40.65. This is a negative value and a sign of low solvency as KB would need 40.65 years to pay back of all of its debts.
KB has a Debt to FCF ratio of 40.65. This is amonst the worse of the industry: KB underperforms 86.65% of its industry peers.
A Debt/Equity ratio of 2.45 is on the high side and indicates that KB has dependencies on debt financing.
The Debt to Equity ratio of KB (2.45) is worse than 93.69% of its industry peers.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Debt/Equity | 2.45 | ||
| Debt/FCF | 40.65 | ||
| Altman-Z | N/A |
ROIC/WACCN/A
WACC5.53%
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 been growing slightly by 6.12% 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 8.16% yearly.
The Revenue for KB has decreased by -23.82% in the past year. This is quite bad
KB shows a small growth in Revenue. Measured over the last years, the Revenue has been growing by 7.08% yearly.
EPS 1Y (TTM)6.12%
EPS 3Y9.32%
EPS 5Y8.16%
EPS growth Q2Q-23.45%
Revenue 1Y (TTM)-23.82%
Revenue growth 3Y3.14%
Revenue growth 5Y7.08%
Revenue growth Q2Q-26.32%
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 8.63% on average per year.
Based on estimates for the next years, KB will show a small growth in Revenue. The Revenue will grow by 2.61% on average per year.
EPS Next Y15.79%
EPS Next 2Y12.19%
EPS Next 3Y8.63%
EPS Next 5YN/A
Revenue Next Year-3.49%
Revenue Next 2Y1.63%
Revenue Next 3Y2.61%
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 stable.
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.
4. Valuation
4.1 Price/Earnings Ratio
The Price/Earnings ratio is 6.35, which indicates a rather cheap valuation of KB.
91.50% 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 (28.28), we can say KB is valued rather cheaply.
Based on the Price/Forward Earnings ratio of 5.48, the valuation of KB can be described as very cheap.
Based on the Price/Forward Earnings ratio, KB is valued cheaper than 96.12% of the companies in the same industry.
Compared to an average S&P500 Price/Forward Earnings ratio of 20.88, KB is valued rather cheaply.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| PE | 6.35 | ||
| Fwd PE | 5.48 |
4.2 Price Multiples
60.92% of the companies in the same industry are more expensive than KB, based on the Price/Free Cash Flow ratio.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| P/FCF | 8.21 | ||
| 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)0.4
PEG (5Y)0.78
EPS Next 2Y12.19%
EPS Next 3Y8.63%
5. Dividend
5.1 Amount
With a Yearly Dividend Yield of 4.61%, KB is a good candidate for dividend investing.
Compared to an average industry Dividend Yield of 3.78, KB pays a bit more dividend than its industry peers.
Compared to an average S&P500 Dividend Yield of 2.41, KB pays a better dividend.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Dividend Yield | 4.61% |
5.2 History
The dividend of KB is nicely growing with an annual growth rate of 9.23%!
KB has paid a dividend for at least 10 years, which is a reliable track record.
Dividend Growth(5Y)9.23%
Div Incr Years0
Div Non Decr Years0
5.3 Sustainability
KB pays out 25.90% of its income as dividend. This is a sustainable payout ratio.
The dividend of KB is growing, but the earnings are growing slower. This means the dividend growth is not sustainable.
DP25.9%
EPS Next 2Y12.19%
EPS Next 3Y8.63%
KB FINANCIAL GROUP INC-ADR
NYSE:KB (5/3/2024, 7:04:00 PM)
54.11
+1.43 (+2.71%)
Chartmill FA Rating
GICS SectorFinancials
GICS IndustryGroupBanks
GICS IndustryBanks
Earnings (Last)
Earnings (Next)
Inst Owners
Inst Owner Change
Ins Owners
Ins Owner Change
Market Cap20.71B
Analysts
Price Target
Dividend
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Dividend Yield | 4.61% |
Dividend Growth(5Y)
DP
Div Incr Years
Div Non Decr Years
Ex-Date
Surprises & Revisions
EPS beat(2)
Avg EPS beat(2)
Min EPS beat(2)
Max EPS beat(2)
EPS beat(4)
Avg EPS beat(4)
Min EPS beat(4)
Max EPS beat(4)
EPS beat(8)
Avg EPS beat(8)
EPS beat(12)
Avg EPS beat(12)
EPS beat(16)
Avg EPS beat(16)
Revenue beat(2)
Avg Revenue beat(2)
Min Revenue beat(2)
Max Revenue beat(2)
Revenue beat(4)
Avg Revenue beat(4)
Min Revenue beat(4)
Max Revenue beat(4)
Revenue beat(8)
Avg Revenue beat(8)
Revenue beat(12)
Avg Revenue beat(12)
Revenue beat(16)
Avg Revenue beat(16)
PT rev (1m)
PT rev (3m)
EPS NQ rev (1m)
EPS NQ rev (3m)
EPS NY rev (1m)
EPS NY rev (3m)
Revenue NQ rev (1m)
Revenue NQ rev (3m)
Revenue NY rev (1m)
Revenue NY rev (3m)
Valuation
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| PE | 6.35 | ||
| Fwd PE | 5.48 | ||
| P/S | |||
| P/FCF | |||
| P/OCF | |||
| P/B | |||
| P/tB | |||
| EV/EBITDA |
EPS(TTM)
EY
EPS(NY)
Fwd EY
FCF(TTM)
FCFY
OCF(TTM)
OCFY
SpS
BVpS
TBVpS
PEG (NY)0.4
PEG (5Y)0.78
Profitability
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| ROA | 0.62% | ||
| ROE | 7.81% | ||
| ROCE | |||
| ROIC | |||
| ROICexc | |||
| ROICexgc | |||
| OM | N/A | ||
| PM (TTM) | 11.53% | ||
| GM | N/A | ||
| FCFM |
ROA(3y)
ROA(5y)
ROE(3y)
ROE(5y)
ROIC(3y)
ROIC(5y)
ROICexc(3y)
ROICexc(5y)
ROICexgc(3y)
ROICexgc(5y)
ROCE(3y)
ROCE(5y)
ROICexcg growth 3Y
ROICexcg growth 5Y
ROICexc growth 3Y
ROICexc growth 5Y
OM growth 3Y
OM growth 5Y
PM growth 3Y
PM growth 5Y
GM growth 3Y
GM growth 5Y
F-Score
Asset Turnover0.05
Health
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Debt/Equity | 2.45 | ||
| Debt/FCF | |||
| Debt/EBITDA | |||
| Cap/Depr | |||
| Cap/Sales | |||
| Interest Coverage | |||
| Cash Conversion | |||
| Profit Quality | |||
| Current Ratio | N/A | ||
| Quick Ratio | N/A | ||
| Altman-Z |
F-Score
WACC
ROIC/WACC
Cap/Depr(3y)
Cap/Depr(5y)
Cap/Sales(3y)
Cap/Sales(5y)
Profit Quality(3y)
Profit Quality(5y)
Growth
EPS 1Y (TTM)6.12%
EPS 3Y9.32%
EPS 5Y
EPS growth Q2Q
EPS Next Y15.79%
EPS Next 2Y
EPS Next 3Y
EPS Next 5Y
Revenue 1Y (TTM)-23.82%
Revenue growth 3Y3.14%
Revenue growth 5Y
Revenue growth Q2Q
Revenue Next Year
Revenue Next 2Y
Revenue Next 3Y
Revenue Next 5Y
EBIT growth 1Y
EBIT growth 3Y
EBIT growth 5Y
EBIT Next Year
EBIT Next 3Y
EBIT Next 5Y
FCF growth 1Y
FCF growth 3Y
FCF growth 5Y
OCF growth 1Y
OCF growth 3Y
OCF growth 5Y