KB FINANCIAL GROUP INC-ADR (KB) Stock Fundamental Analysis

USA • New York Stock Exchange • NYSE:KB • US48241A1051

104.63 USD
+8.47 (+8.81%)
At close: Feb 6, 2026
104.63 USD
0 (0%)
After Hours: 2/6/2026, 8:04:00 PM
Overview Stock Chart Technical Analysis Fundamental Analysis Analyst Ratings Earnings Estimates Financials Ownership News
Fundamental Rating

3

Taking everything into account, KB scores 3 out of 10 in our fundamental rating. KB was compared to 383 industry peers in the Banks industry. KB may be in some trouble as it scores bad on both profitability and health. KB is not valued too expensively and it also shows a decent growth rate.


Dividend Valuation Growth Profitability Health

2

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.
  • In multiple years KB reported negative operating cash flow during the last 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 0 5T -5T -10T

1.2 Ratios

  • KB has a Return On Assets of 0.70%. This is in the lower half of the industry: KB underperforms 65.89% of its industry peers.
  • KB has a Return On Equity (9.40%) which is in line with its industry peers.
Industry RankSector 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
KB Yearly ROA, ROE, ROICKB Yearly ROA, ROE, ROICYearly ROA, ROE, ROIC 2016 2017 2018 2019 2020 2021 2022 2023 2024 2 4 6 8

1.3 Margins

  • Looking at the Profit Margin, with a value of 13.21%, KB is doing worse than 79.95% of the companies in the same industry.
  • KB's Profit Margin has improved in the last couple of years.
  • KB does not have Operating Margin and Gross Margin available, so we won't be analyzing them here.
Industry RankSector 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
KB Yearly Profit, Operating, Gross MarginsKB Yearly Profit, Operating, Gross MarginsYearly Profit, Operating, Gross Margins 2016 2017 2018 2019 2020 2021 2022 2023 2024 2 4 6 8 10

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ROAROEROICOperating and Profit MarginShow most profitable peers

1

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.
  • Compared to 5 years ago, KB has less shares outstanding
  • Compared to 1 year ago, KB has an improved debt to assets ratio.
KB Yearly Shares OutstandingKB Yearly Shares OutstandingYearly Shares Outstanding 2016 2017 2018 2019 2020 2021 2022 2023 2024 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 200T 400T 600T

2.2 Solvency

  • KB has a Debt/Equity ratio of 2.45. This is a high value indicating a heavy dependency on external financing.
  • KB has a Debt to Equity ratio of 2.45. This is amonst the worse of the industry: KB underperforms 90.10% of its industry peers.
Industry RankSector Rank
Debt/Equity 2.45
Debt/FCF N/A
Altman-Z N/A
ROIC/WACCN/A
WACC0.11%
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 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 10T 20T 30T 40T 50T

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WACCDebt/EquityHow to determine the health of a companyAltman-Z scoreShow peers with great health

5

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.
  • KB shows quite a strong growth in Revenue. In the last year, the Revenue has grown by 12.49%.
  • 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 12.26% on average over the next years. This is quite good.
  • Based on estimates for the next years, KB will show a small growth in Revenue. The Revenue will grow by 2.05% on average per year.
EPS Next Y23.27%
EPS Next 2Y14.9%
EPS Next 3Y12.26%
EPS Next 5YN/A
Revenue Next Year0.82%
Revenue Next 2Y1.47%
Revenue Next 3Y2.05%
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 decreasing: in the next years the growth will be less 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 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 5K 10K 15K

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Find the best growth stocksShow best growing peers

6

4. Valuation

4.1 Price/Earnings Ratio

  • Based on the Price/Earnings ratio of 9.94, the valuation of KB can be described as reasonable.
  • Based on the Price/Earnings ratio, KB is valued cheaply inside the industry as 86.72% of the companies are valued more expensively.
  • Compared to an average S&P500 Price/Earnings ratio of 27.92, KB is valued rather cheaply.
  • The Price/Forward Earnings ratio is 8.92, which indicates a very decent valuation of KB.
  • Based on the Price/Forward Earnings ratio, KB is valued cheaply inside the industry as 85.94% of the companies are valued more expensively.
  • KB's Price/Forward Earnings ratio indicates a rather cheap valuation when compared to the S&P500 average which is at 27.78.
Industry RankSector Rank
PE 9.94
Fwd PE 8.92
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

Industry RankSector Rank
P/FCF N/A
EV/EBITDA N/A
KB Per share dataKB EPS, Sales, OCF, FCF, BookValue per sharePer Share Data Per Share 0 20 40 60 80 100

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.
  • A more expensive valuation may be justified as KB's earnings are expected to grow with 12.26% in the coming years.
PEG (NY)0.43
PEG (5Y)1.14
EPS Next 2Y14.9%
EPS Next 3Y12.26%

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Price/EarningsPrice/FCFFCF per shareEV/EBITDAPEG RATIOShow best valued peers

5

5. Dividend

5.1 Amount

  • KB has a Yearly Dividend Yield of 2.56%.
  • KB's Dividend Yield is comparable with the industry average which is at 2.54.
  • Compared to an average S&P500 Dividend Yield of 1.81, KB pays a bit more dividend than the S&P500 average.
Industry RankSector Rank
Dividend Yield 2.56%

5.2 History

  • The dividend of KB is nicely growing with an annual growth rate of 15.36%!
  • KB has paid a dividend for at least 10 years, which is a reliable track record.
Dividend Growth(5Y)15.36%
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

  • 22.63% of the earnings are spent on dividend by KB. This is a low number and sustainable payout ratio.
  • The dividend of KB is growing, but the earnings are growing slower. This means the dividend growth is not sustainable.
DP22.63%
EPS Next 2Y14.9%
EPS Next 3Y12.26%
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 0 5T -5T -10T
KB Dividend Payout.KB Dividend Payout, showing the Payout Ratio.KB Dividend Payout.PayoutRetained Earnings

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Find the best dividend stocksShow peers with best dividend

KB FINANCIAL GROUP INC-ADR

NYSE:KB (2/6/2026, 8:04:00 PM)

After market: 104.63 0 (0%)

104.63

+8.47 (+8.81%)

Chartmill FA Rating
GICS SectorFinancials
GICS IndustryGroupBanks
GICS IndustryBanks
Earnings (Last)02-03
Earnings (Next)04-22
Inst Owners57.93%
Inst Owner Change1.62%
Ins Owners0.01%
Ins Owner ChangeN/A
Market Cap37.52B
Revenue(TTM)42.40T
Net Income(TTM)5.60T
Analysts85
Price Target104.96 (0.32%)
Short Float %0.11%
Short Ratio3.17
Dividend
Industry RankSector Rank
Dividend Yield 2.56%
Yearly Dividend2.76
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)2.39%
PT rev (3m)3.64%
EPS NQ rev (1m)-6.53%
EPS NQ rev (3m)-9.47%
EPS NY rev (1m)0.9%
EPS NY rev (3m)2.1%
Revenue NQ rev (1m)0.34%
Revenue NQ rev (3m)0.24%
Revenue NY rev (1m)0%
Revenue NY rev (3m)3.24%
Valuation
Industry RankSector Rank
PE 9.94
Fwd PE 8.92
P/S 1.3
P/FCF N/A
P/OCF N/A
P/B 0.92
P/tB 0.95
EV/EBITDA N/A
EPS(TTM)10.53
EY10.06%
EPS(NY)11.73
Fwd EY11.22%
FCF(TTM)-9.1
FCFYN/A
OCF(TTM)-7.96
OCFYN/A
SpS80.58
BVpS113.23
TBVpS109.84
PEG (NY)0.43
PEG (5Y)1.14
Graham Number163.79
Profitability
Industry RankSector 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 RankSector 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 Y23.27%
EPS Next 2Y14.9%
EPS Next 3Y12.26%
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 for 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 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 23.27% in the next year.


Can you provide the dividend sustainability for KB stock?

The dividend rating of KB FINANCIAL GROUP INC-ADR (KB) is 4 / 10 and the dividend payout ratio is 22.63%.