KB FINANCIAL GROUP INC-ADR (KB) Stock Fundamental Analysis
USA - New York Stock Exchange - NYSE:KB - US48241A1051 - ADR
84.04 USD
-1.77 (-2.06%)
84.04 USD
0 (0%)
KB gets a fundamental rating of 3 out of 10. The analysis compared the fundamentals against 385 industry peers in the Banks industry. KB has a bad profitability rating. Also its financial health evaluation is rather negative. 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.
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
With a Return On Assets value of 0.70%, KB is not doing good in the industry: 65.19% of the companies in the same industry are doing better.
KB's Return On Equity of 9.40% is in line compared to the rest of the industry. KB outperforms 56.62% of its industry peers.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| ROA | 0.7% | ||
| ROE | 9.4% | ||
| 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
The Profit Margin of KB (13.21%) is worse than 80.26% of its industry peers.
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 Rank | Sector Rank | ||
|---|---|---|---|
| OM | N/A | ||
| PM (TTM) | 13.21% | ||
| 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.
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
Compared to 1 year ago, KB has an improved debt to assets ratio.
2.2 Solvency
KB has a Debt/Equity ratio of 2.45. This is a high value indicating a heavy dependency on external financing.
Looking at the Debt to Equity ratio, with a value of 2.45, KB is doing worse than 90.13% of the companies in the same industry.
| 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. Growth
3.1 Past
KB shows a strong growth in Earnings Per Share. In the last year, the EPS has been growing by 29.33%, which is quite impressive.
The Earnings Per Share has been growing by 8.72% on average over the past years. This is quite good.
Looking at the last year, KB shows a quite strong growth in Revenue. The Revenue has grown by 12.49% 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)12.49%
Revenue growth 3Y-0.36%
Revenue growth 5Y5.77%
Sales Q2Q%-1.45%
3.2 Future
The Earnings Per Share is expected to grow by 11.89% 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 2.05% yearly.
EPS Next Y23.08%
EPS Next 2Y14.57%
EPS Next 3Y11.89%
EPS Next 5YN/A
Revenue Next Year0.82%
Revenue Next 2Y1.47%
Revenue Next 3Y2.05%
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.
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
Based on the Price/Earnings ratio of 8.07, the valuation of KB can be described as reasonable.
Based on the Price/Earnings ratio, KB is valued cheaply inside the industry as 94.03% of the companies are valued more expensively.
The average S&P500 Price/Earnings ratio is at 26.43. KB is valued rather cheaply when compared to this.
A Price/Forward Earnings ratio of 7.28 indicates a rather cheap valuation of KB.
KB's Price/Forward Earnings ratio is rather cheap when compared to the industry. KB is cheaper than 92.99% of the companies in the same industry.
KB's Price/Forward Earnings ratio indicates a rather cheap valuation when compared to the S&P500 average which is at 23.66.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| PE | 8.07 | ||
| Fwd PE | 7.28 |
4.2 Price Multiples
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| P/FCF | N/A | ||
| EV/EBITDA | N/A |
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.
PEG (NY)0.35
PEG (5Y)0.93
EPS Next 2Y14.57%
EPS Next 3Y11.89%
5. Dividend
5.1 Amount
With a Yearly Dividend Yield of 2.27%, KB has a reasonable but not impressive dividend return.
KB's Dividend Yield is comparable with the industry average which is at 2.70.
KB's Dividend Yield is a higher than the S&P500 average which is at 1.87.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Dividend Yield | 2.27% |
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
KB pays out 22.63% 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.
DP22.63%
EPS Next 2Y14.57%
EPS Next 3Y11.89%
84.04
-1.77 (-2.06%)
Chartmill FA Rating
GICS SectorFinancials
GICS IndustryGroupBanks
GICS IndustryBanks
Earnings (Last)
Earnings (Next)
Inst Owners54.91%
Inst Owner Change2.49%
Ins Owners0.01%
Ins Owner ChangeN/A
Market Cap30.36B
Revenue(TTM)42.40T
Net Income(TTM)5.60T
Analysts84.29
Price Target101.77 (21.1%)
Short Float %0.09%
Short Ratio2.72
Dividend
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Dividend Yield | 2.27% |
Yearly Dividend2.72
Dividend Growth(5Y)15.36%
DP22.63%
Div Incr Years0
Div Non Decr Years0
Ex-Date
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)-6.57%
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)4.02%
PT rev (3m)1.11%
EPS NQ rev (1m)-4.07%
EPS NQ rev (3m)8.66%
EPS NY rev (1m)-2.76%
EPS NY rev (3m)1.13%
Revenue NQ rev (1m)0%
Revenue NQ rev (3m)1.05%
Revenue NY rev (1m)2.61%
Revenue NY rev (3m)2.75%
Valuation
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| PE | 8.07 | ||
| Fwd PE | 7.28 | ||
| P/S | 1.05 | ||
| P/FCF | N/A | ||
| P/OCF | N/A | ||
| P/B | 0.75 | ||
| P/tB | 0.77 | ||
| EV/EBITDA | N/A |
EPS(TTM)10.41
EY12.39%
EPS(NY)11.54
Fwd EY13.73%
FCF(TTM)-9
FCFYN/A
OCF(TTM)-7.87
OCFYN/A
SpS79.66
BVpS111.94
TBVpS108.59
PEG (NY)0.35
PEG (5Y)0.93
Graham Number161.93
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)0.61%
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-Score5
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-Score5
WACC0.11%
ROIC/WACCN/A
Cap/Depr(3y)67.87%
Cap/Depr(5y)61.82%
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 Y23.08%
EPS Next 2Y14.57%
EPS Next 3Y11.89%
EPS Next 5YN/A
Revenue 1Y (TTM)12.49%
Revenue growth 3Y-0.36%
Revenue growth 5Y5.77%
Sales Q2Q%-1.45%
Revenue Next Year0.82%
Revenue Next 2Y1.47%
Revenue Next 3Y2.05%
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-128.06%
FCF growth 3YN/A
FCF growth 5Y-16.7%
OCF growth 1Y-123.6%
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 23.08% in the next year.