KBC GROUP NV (KBC.BR) Stock Fundamental Analysis
Europe - EBR:KBC - BE0003565737 - Common Stock
104.65 EUR
+0.2 (+0.19%)
We assign a fundamental rating of 4 out of 10 to KBC. KBC was compared to 95 industry peers in the Banks industry. KBC has a medium profitability rating, but doesn't score so well on its financial health evaluation. KBC is valied quite expensively at the moment, while it does show a decent growth rate.
1. Profitability
1.1 Basic Checks
KBC had positive earnings in the past year.
KBC had a positive operating cash flow in the past year.
In the past 5 years KBC has always been profitable.
KBC had a positive operating cash flow in 4 of the past 5 years.
1.2 Ratios
Looking at the Return On Assets, with a value of 0.89%, KBC is in the better half of the industry, outperforming 64.21% of the companies in the same industry.
KBC has a Return On Equity of 13.20%. This is in the better half of the industry: KBC outperforms 64.21% of its industry peers.
| 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
The Profit Margin of KBC (25.70%) is better than 66.32% of its industry peers.
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.
The number of shares outstanding for KBC has been reduced compared to 1 year ago.
Compared to 5 years ago, KBC has less shares outstanding
Compared to 1 year ago, KBC has a worse debt to assets ratio.
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.
The Debt to FCF ratio of KBC (7.45) is better than 87.37% of its industry peers.
A Debt/Equity ratio of 1.77 is on the high side and indicates that KBC has dependencies on debt financing.
KBC's Debt to Equity ratio of 1.77 is fine compared to the rest of the industry. KBC outperforms 61.05% of its industry peers.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Debt/Equity | 1.77 | ||
| Debt/FCF | 7.45 | ||
| Altman-Z | N/A |
ROIC/WACCN/A
WACC18.33%
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 22.85%, which is quite impressive.
Measured over the past 5 years, KBC shows a small growth in Earnings Per Share. The EPS has been growing by 7.34% on average per year.
The Revenue has been growing slightly by 7.07% in the past year.
KBC shows a small growth in Revenue. Measured over the last years, the Revenue has been growing by 6.55% yearly.
EPS 1Y (TTM)22.85%
EPS 3Y10.6%
EPS 5Y7.34%
EPS Q2Q%11.11%
Revenue 1Y (TTM)7.07%
Revenue growth 3Y11.18%
Revenue growth 5Y6.55%
Sales Q2Q%8.26%
3.2 Future
Based on estimates for the next years, KBC will show a small growth in Earnings Per Share. The EPS will grow by 1.26% on average per year.
Based on estimates for the next years, KBC will show a small growth in Revenue. The Revenue will grow by 7.23% on average per year.
EPS Next Y1.65%
EPS Next 2Y5.99%
EPS Next 3Y7.35%
EPS Next 5Y1.26%
Revenue Next Year6.51%
Revenue Next 2Y6.93%
Revenue Next 3Y6.51%
Revenue Next 5Y7.23%
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.
When comparing the Revenue growth rate of the last years to the growth rate of the upcoming years, we see that the growth is stable.
4. Valuation
4.1 Price/Earnings Ratio
KBC is valuated correctly with a Price/Earnings ratio of 12.01.
KBC's Price/Earnings ratio is a bit more expensive when compared to the industry. KBC is more expensive than 74.74% of the companies in the same industry.
Compared to an average S&P500 Price/Earnings ratio of 26.13, KBC is valued rather cheaply.
With a Price/Forward Earnings ratio of 11.20, the valuation of KBC can be described as very reasonable.
Based on the Price/Forward Earnings ratio, KBC is valued a bit more expensive than 63.16% of the companies in the same industry.
KBC is valuated rather cheaply when we compare the Price/Forward Earnings ratio to 22.35, which is the current average of the S&P500 Index.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| PE | 12.01 | ||
| Fwd PE | 11.2 |
4.2 Price Multiples
Compared to the rest of the industry, the Price/Free Cash Flow ratio of KBC indicates a somewhat cheap valuation: KBC is cheaper than 77.89% of the companies listed in the same industry.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| P/FCF | 7.02 | ||
| 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)7.3
PEG (5Y)1.64
EPS Next 2Y5.99%
EPS Next 3Y7.35%
5. Dividend
5.1 Amount
KBC has a Yearly Dividend Yield of 2.83%.
Compared to an average industry Dividend Yield of 4.84, KBC is paying slightly less dividend.
Compared to an average S&P500 Dividend Yield of 2.39, KBC has a dividend comparable with the average S&P500 company.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Dividend Yield | 2.83% |
5.2 History
On average, the dividend of KBC grows each year by 6.61%, which is quite nice.
Dividend Growth(5Y)6.61%
Div Incr Years1
Div Non Decr Years3
5.3 Sustainability
KBC pays out 47.59% of its income as dividend. 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 2Y5.99%
EPS Next 3Y7.35%
EBR:KBC (11/6/2025, 9:54:37 AM)
104.65
+0.2 (+0.19%)
Chartmill FA Rating
GICS SectorFinancials
GICS IndustryGroupBanks
GICS IndustryBanks
Earnings (Last)
Earnings (Next)
Inst Owners29.93%
Inst Owner ChangeN/A
Ins OwnersN/A
Ins Owner ChangeN/A
Market Cap43.70B
Revenue(TTM)13.46B
Net Income(TTM)3.46B
Analysts72.73
Price Target110.16 (5.27%)
Short Float %N/A
Short RatioN/A
Dividend
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Dividend Yield | 2.83% |
Yearly Dividend4.82
Dividend Growth(5Y)6.61%
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)4.28%
PT rev (3m)18.36%
EPS NQ rev (1m)2.76%
EPS NQ rev (3m)6.97%
EPS NY rev (1m)0%
EPS NY rev (3m)5.59%
Revenue NQ rev (1m)0.46%
Revenue NQ rev (3m)1.63%
Revenue NY rev (1m)0%
Revenue NY rev (3m)-0.05%
Valuation
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| PE | 12.01 | ||
| Fwd PE | 11.2 | ||
| P/S | 3.25 | ||
| P/FCF | 7.02 | ||
| P/OCF | 5.73 | ||
| P/B | 1.67 | ||
| P/tB | 1.85 | ||
| EV/EBITDA | N/A |
EPS(TTM)8.71
EY8.32%
EPS(NY)9.35
Fwd EY8.93%
FCF(TTM)14.9
FCFY14.23%
OCF(TTM)18.26
OCFY17.45%
SpS32.23
BVpS62.76
TBVpS56.63
PEG (NY)7.3
PEG (5Y)1.64
Graham Number110.9
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
WACC18.33%
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)22.85%
EPS 3Y10.6%
EPS 5Y7.34%
EPS Q2Q%11.11%
EPS Next Y1.65%
EPS Next 2Y5.99%
EPS Next 3Y7.35%
EPS Next 5Y1.26%
Revenue 1Y (TTM)7.07%
Revenue growth 3Y11.18%
Revenue growth 5Y6.55%
Sales Q2Q%8.26%
Revenue Next Year6.51%
Revenue Next 2Y6.93%
Revenue Next 3Y6.51%
Revenue Next 5Y7.23%
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 4 / 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 4 / 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 12.01 and the Price/Book (PB) ratio is 1.67.
Can you provide the financial health for KBC stock?
The financial health rating of KBC GROUP NV (KBC.BR) is 3 / 10.