KBC GROUP NV (KBC.BR) Stock Fundamental Analysis
Europe - Euronext Brussels - EBR:KBC - BE0003565737 - Common Stock
106.55 EUR
+2.6 (+2.5%)
Taking everything into account, KBC scores 4 out of 10 in our fundamental rating. KBC was compared to 108 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 has a correct valuation and a medium 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.
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
The Return On Assets of KBC (0.89%) is better than 60.19% of its industry peers.
KBC has a Return On Equity of 13.20%. This is in the better half of the industry: KBC outperforms 63.89% 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
KBC has a Profit Margin of 25.70%. This is in the better half of the industry: KBC outperforms 61.11% of its industry peers.
In the last couple of years the Profit Margin of KBC has remained more or less at the same level.
KBC does not have Operating Margin and Gross Margin available, so we won't be analyzing them here.
| 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.
The number of shares outstanding for KBC has been reduced compared to 5 years ago.
Compared to 1 year ago, KBC has a worse debt to assets ratio.
2.2 Solvency
The Debt to FCF ratio of KBC is 7.45, which is on the high side as it means it would take KBC, 7.45 years of fcf income to pay off all of its debts.
The Debt to FCF ratio of KBC (7.45) is better than 86.11% 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 has a Debt to Equity ratio (1.77) which is in line with its industry peers.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Debt/Equity | 1.77 | ||
| Debt/FCF | 7.45 | ||
| Altman-Z | N/A |
ROIC/WACCN/A
WACC18.18%
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 grown by an impressive 25.84% over the past year.
KBC shows a small growth in Earnings Per Share. Measured over the last years, the EPS has been growing by 7.34% yearly.
Looking at the last year, KBC shows a small growth in Revenue. The Revenue has grown by 5.37% in the last year.
Measured over the past years, KBC shows a small growth in Revenue. The Revenue has been growing by 6.55% on average per year.
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.
The Revenue is expected to grow by 7.93% on average over the next years.
EPS Next Y2.83%
EPS Next 2Y6.61%
EPS Next 3Y7.5%
EPS Next 5Y5.72%
Revenue Next Year6.59%
Revenue Next 2Y7.17%
Revenue Next 3Y6.68%
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
The Price/Earnings ratio is 11.83, which indicates a very decent valuation of KBC.
Based on the Price/Earnings ratio, KBC is valued a bit more expensive than the industry average as 62.04% of the companies are valued more cheaply.
KBC is valuated cheaply when we compare the Price/Earnings ratio to 26.41, which is the current average of the S&P500 Index.
A Price/Forward Earnings ratio of 11.27 indicates a reasonable valuation of KBC.
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 35.40.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| PE | 11.83 | ||
| Fwd PE | 11.27 |
4.2 Price Multiples
75.00% of the companies in the same industry are more expensive than KBC, based on the Price/Free Cash Flow ratio.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| P/FCF | 7.15 | ||
| EV/EBITDA | N/A |
4.3 Compensation for Growth
The high PEG Ratio(NY), which compensates the Price/Earnings for growth, indicates an expensive valuation of the company.
PEG (NY)4.17
PEG (5Y)1.61
EPS Next 2Y6.61%
EPS Next 3Y7.5%
5. Dividend
5.1 Amount
KBC has a Yearly Dividend Yield of 2.72%. Purely for dividend investing, there may be better candidates out there.
KBC's Dividend Yield is slightly below the industry average, which is at 4.70.
Compared to an average S&P500 Dividend Yield of 2.32, KBC has a dividend comparable with the average S&P500 company.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Dividend Yield | 2.72% |
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 2Y6.61%
EPS Next 3Y7.5%
EBR:KBC (12/4/2025, 7:00:00 PM)
106.55
+2.6 (+2.5%)
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 Cap44.49B
Revenue(TTM)14.68B
Net Income(TTM)3.46B
Analysts72.73
Price Target113.53 (6.55%)
Short Float %N/A
Short RatioN/A
Dividend
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Dividend Yield | 2.72% |
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)7.47%
PT rev (3m)11.33%
EPS NQ rev (1m)0%
EPS NQ rev (3m)2.76%
EPS NY rev (1m)1.17%
EPS NY rev (3m)2.12%
Revenue NQ rev (1m)-0.13%
Revenue NQ rev (3m)0.73%
Revenue NY rev (1m)0.08%
Revenue NY rev (3m)-0.95%
Valuation
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| PE | 11.83 | ||
| Fwd PE | 11.27 | ||
| P/S | 3.31 | ||
| P/FCF | 7.15 | ||
| P/OCF | 5.84 | ||
| P/B | 1.7 | ||
| P/tB | 1.88 | ||
| EV/EBITDA | N/A |
EPS(TTM)9.01
EY8.46%
EPS(NY)9.46
Fwd EY8.87%
FCF(TTM)14.9
FCFY13.98%
OCF(TTM)18.26
OCFY17.14%
SpS32.23
BVpS62.76
TBVpS56.63
PEG (NY)4.17
PEG (5Y)1.61
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
WACC18.18%
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 Y2.83%
EPS Next 2Y6.61%
EPS Next 3Y7.5%
EPS Next 5Y5.72%
Revenue 1Y (TTM)5.37%
Revenue growth 3Y11.18%
Revenue growth 5Y6.55%
Sales Q2Q%9.11%
Revenue Next Year6.59%
Revenue Next 2Y7.17%
Revenue Next 3Y6.68%
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 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 11.83 and the Price/Book (PB) ratio is 1.7.
Can you provide the financial health for KBC stock?
The financial health rating of KBC GROUP NV (KBC.BR) is 3 / 10.