KBC GROUP NV (KBC.BR) Stock Fundamental Analysis
Europe - Euronext Brussels - EBR:KBC - BE0003565737 - Common Stock
112.05 EUR
+0.35 (+0.31%)
Taking everything into account, KBC scores 4 out of 10 in our fundamental rating. KBC was compared to 106 industry peers in the Banks industry. While KBC is still in line with the averages on profitability rating, there are concerns on its financial health. KBC is not valued too expensively and it also shows a decent growth rate.
1. Profitability
1.1 Basic Checks
In the past year KBC was profitable.
KBC had a positive operating cash flow in the past year.
Each year in the past 5 years KBC has been profitable.
KBC had a positive operating cash flow in 4 of the past 5 years.
1.2 Ratios
With a decent Return On Assets value of 0.89%, KBC is doing good in the industry, outperforming 60.38% of the companies in the same industry.
Looking at the Return On Equity, with a value of 13.20%, KBC is in the better half of the industry, outperforming 63.21% of the companies in the same industry.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| ROA | 0.89% | ||
| ROE | 13.2% | ||
| ROIC | N/A |
ROA(3y)0.88%
ROA(5y)0.76%
ROE(3y)13.38%
ROE(5y)11.54%
ROIC(3y)N/A
ROIC(5y)N/A
1.3 Margins
Looking at the Profit Margin, with a value of 25.70%, KBC is in the better half of the industry, outperforming 61.32% of the companies in the same industry.
KBC's Profit Margin has been stable in the last couple of years.
The Operating Margin and Gross Margin are not available for KBC so they could not be analyzed.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| OM | N/A | ||
| PM (TTM) | 25.7% | ||
| GM | N/A |
OM growth 3YN/A
OM growth 5YN/A
PM growth 3Y-1.86%
PM growth 5Y-0.07%
GM growth 3YN/A
GM growth 5YN/A
2. Health
2.1 Basic Checks
KBC does not have a ROIC to compare to the WACC, probably because it is not profitable.
Compared to 1 year ago, KBC has less shares outstanding
The number of shares outstanding for KBC has been reduced compared to 5 years ago.
The debt/assets ratio for KBC is higher compared to a year ago.
2.2 Solvency
KBC has a debt to FCF ratio of 7.45. This is a slightly negative value and a sign of low solvency as KBC would need 7.45 years to pay back of all of its debts.
With an excellent Debt to FCF ratio value of 7.45, KBC belongs to the best of the industry, outperforming 84.91% of the companies in the same industry.
A Debt/Equity ratio of 1.77 is on the high side and indicates that KBC has dependencies on debt financing.
The Debt to Equity ratio of KBC (1.77) is comparable to the rest of the industry.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Debt/Equity | 1.77 | ||
| Debt/FCF | 7.45 | ||
| Altman-Z | N/A |
ROIC/WACCN/A
WACC17.92%
2.3 Liquidity
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Current Ratio | N/A | ||
| Quick Ratio | N/A |
3. Growth
3.1 Past
KBC shows a strong growth in Earnings Per Share. In the last year, the EPS has been growing by 25.84%, which is quite impressive.
The Earnings Per Share has been growing slightly by 7.34% on average over the past years.
The Revenue has been growing slightly by 5.37% in the past year.
The Revenue has been growing slightly by 6.55% on average over the past years.
EPS 1Y (TTM)25.84%
EPS 3Y10.6%
EPS 5Y7.34%
EPS Q2Q%14.02%
Revenue 1Y (TTM)5.37%
Revenue growth 3Y11.18%
Revenue growth 5Y6.55%
Sales Q2Q%9.11%
3.2 Future
KBC is expected to show a small growth in Earnings Per Share. In the coming years, the EPS will grow by 5.72% yearly.
KBC is expected to show a small growth in Revenue. In the coming years, the Revenue will grow by 7.93% yearly.
EPS Next Y4.11%
EPS Next 2Y7.27%
EPS Next 3Y7.93%
EPS Next 5Y5.72%
Revenue Next Year7.37%
Revenue Next 2Y7.77%
Revenue Next 3Y7.16%
Revenue Next 5Y7.93%
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 decreasing.
The Revenue growth rate is accelerating: in the next years the growth will be better than in the last years.
4. Valuation
4.1 Price/Earnings Ratio
A Price/Earnings ratio of 12.44 indicates a correct valuation of KBC.
Based on the Price/Earnings ratio, KBC is valued a bit more expensive than 66.04% of the companies in the same industry.
KBC's Price/Earnings ratio indicates a rather cheap valuation when compared to the S&P500 average which is at 26.26.
With a Price/Forward Earnings ratio of 11.70, the valuation of KBC can be described as very reasonable.
The rest of the industry has a similar Price/Forward Earnings ratio as KBC.
KBC's Price/Forward Earnings ratio indicates a rather cheap valuation when compared to the S&P500 average which is at 23.68.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| PE | 12.44 | ||
| Fwd PE | 11.7 |
4.2 Price Multiples
Based on the Price/Free Cash Flow ratio, KBC is valued a bit cheaper than 73.58% of the companies in the same industry.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| P/FCF | 7.52 | ||
| EV/EBITDA | N/A |
4.3 Compensation for Growth
The high PEG Ratio(NY), which compensates the Price/Earnings for growth, indicates KBC does not grow enough to justify the current Price/Earnings ratio.
PEG (NY)3.02
PEG (5Y)1.7
EPS Next 2Y7.27%
EPS Next 3Y7.93%
5. Dividend
5.1 Amount
KBC has a Yearly Dividend Yield of 2.66%. Purely for dividend investing, there may be better candidates out there.
KBC's Dividend Yield is slightly below the industry average, which is at 4.33.
KBC's Dividend Yield is a higher than the S&P500 average which is at 1.87.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Dividend Yield | 2.66% |
5.2 History
On average, the dividend of KBC grows each year by 6.59%, which is quite nice.
Dividend Growth(5Y)6.59%
Div Incr Years1
Div Non Decr Years3
5.3 Sustainability
47.59% of the earnings are spent on dividend by KBC. This is a bit on the high side, but may be sustainable.
The dividend of KBC is growing, but the earnings are growing slower. This means the dividend growth is not sustainable.
DP47.59%
EPS Next 2Y7.27%
EPS Next 3Y7.93%
EBR:KBC (12/19/2025, 5:36:15 PM)
112.05
+0.35 (+0.31%)
Chartmill FA Rating
GICS SectorFinancials
GICS IndustryGroupBanks
GICS IndustryBanks
Earnings (Last)
Earnings (Next)
Inst Owners29.38%
Inst Owner ChangeN/A
Ins OwnersN/A
Ins Owner ChangeN/A
Market Cap46.79B
Revenue(TTM)14.68B
Net Income(TTM)3.46B
Analysts72.73
Price Target114.11 (1.84%)
Short Float %N/A
Short RatioN/A
Dividend
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Dividend Yield | 2.66% |
Yearly Dividend4.82
Dividend Growth(5Y)6.59%
DP47.59%
Div Incr Years1
Div Non Decr Years3
Ex-DateN/A
Surprises & Revisions
EPS beat(2)2
Avg EPS beat(2)9%
Min EPS beat(2)8.9%
Max EPS beat(2)9.09%
EPS beat(4)4
Avg EPS beat(4)8.02%
Min EPS beat(4)5.1%
Max EPS beat(4)9.09%
EPS beat(8)7
Avg EPS beat(8)5.67%
EPS beat(12)10
Avg EPS beat(12)9.76%
EPS beat(16)13
Avg EPS beat(16)9.2%
Revenue beat(2)2
Avg Revenue beat(2)1.61%
Min Revenue beat(2)0.8%
Max Revenue beat(2)2.43%
Revenue beat(4)3
Avg Revenue beat(4)0.94%
Min Revenue beat(4)-1.1%
Max Revenue beat(4)2.43%
Revenue beat(8)4
Avg Revenue beat(8)0.37%
Revenue beat(12)8
Avg Revenue beat(12)9.76%
Revenue beat(16)12
Avg Revenue beat(16)18.43%
PT rev (1m)3.59%
PT rev (3m)8.02%
EPS NQ rev (1m)0%
EPS NQ rev (3m)2.76%
EPS NY rev (1m)1.24%
EPS NY rev (3m)3.38%
Revenue NQ rev (1m)-0.13%
Revenue NQ rev (3m)0.33%
Revenue NY rev (1m)0.73%
Revenue NY rev (3m)0.81%
Valuation
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| PE | 12.44 | ||
| Fwd PE | 11.7 | ||
| P/S | 3.48 | ||
| P/FCF | 7.52 | ||
| P/OCF | 6.14 | ||
| P/B | 1.79 | ||
| P/tB | 1.98 | ||
| EV/EBITDA | N/A |
EPS(TTM)9.01
EY8.04%
EPS(NY)9.57
Fwd EY8.54%
FCF(TTM)14.9
FCFY13.29%
OCF(TTM)18.26
OCFY16.3%
SpS32.23
BVpS62.76
TBVpS56.63
PEG (NY)3.02
PEG (5Y)1.7
Graham Number112.79
Profitability
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| ROA | 0.89% | ||
| ROE | 13.2% | ||
| ROCE | N/A | ||
| ROIC | N/A | ||
| ROICexc | N/A | ||
| ROICexgc | N/A | ||
| OM | N/A | ||
| PM (TTM) | 25.7% | ||
| GM | N/A | ||
| FCFM | 46.22% |
ROA(3y)0.88%
ROA(5y)0.76%
ROE(3y)13.38%
ROE(5y)11.54%
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 3Y-1.86%
PM growth 5Y-0.07%
GM growth 3YN/A
GM growth 5YN/A
F-Score7
Asset Turnover0.03
Health
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Debt/Equity | 1.77 | ||
| Debt/FCF | 7.45 | ||
| Debt/EBITDA | N/A | ||
| Cap/Depr | 304.56% | ||
| Cap/Sales | 10.43% | ||
| Interest Coverage | N/A | ||
| Cash Conversion | N/A | ||
| Profit Quality | 179.82% | ||
| Current Ratio | N/A | ||
| Quick Ratio | N/A | ||
| Altman-Z | N/A |
F-Score7
WACC17.92%
ROIC/WACCN/A
Cap/Depr(3y)227.21%
Cap/Depr(5y)209.55%
Cap/Sales(3y)8.62%
Cap/Sales(5y)8.9%
Profit Quality(3y)N/A
Profit Quality(5y)N/A
High Growth Momentum
Growth
EPS 1Y (TTM)25.84%
EPS 3Y10.6%
EPS 5Y7.34%
EPS Q2Q%14.02%
EPS Next Y4.11%
EPS Next 2Y7.27%
EPS Next 3Y7.93%
EPS Next 5Y5.72%
Revenue 1Y (TTM)5.37%
Revenue growth 3Y11.18%
Revenue growth 5Y6.55%
Sales Q2Q%9.11%
Revenue Next Year7.37%
Revenue Next 2Y7.77%
Revenue Next 3Y7.16%
Revenue Next 5Y7.93%
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 1Y142.07%
FCF growth 3Y-13.57%
FCF growth 5YN/A
OCF growth 1Y155.59%
OCF growth 3Y-11.16%
OCF growth 5YN/A
KBC GROUP NV / KBC.BR FAQ
What is the ChartMill fundamental rating of KBC GROUP NV (KBC.BR) stock?
ChartMill assigns a fundamental rating of 3 / 10 to KBC.BR.
What is the valuation status for KBC stock?
ChartMill assigns a valuation rating of 4 / 10 to KBC GROUP NV (KBC.BR). This can be considered as Fairly Valued.
How profitable is KBC GROUP NV (KBC.BR) stock?
KBC GROUP NV (KBC.BR) has a profitability rating of 3 / 10.
What are the PE and PB ratios of KBC GROUP NV (KBC.BR) stock?
The Price/Earnings (PE) ratio for KBC GROUP NV (KBC.BR) is 12.44 and the Price/Book (PB) ratio is 1.79.
Can you provide the financial health for KBC stock?
The financial health rating of KBC GROUP NV (KBC.BR) is 3 / 10.