KBC Fundamental Analysis - KBC GROUP NV

Fundamental Rating

We assign a fundamental rating of 3 out of 10 to KBC. KBC was compared to 91 industry peers in the Banks industry. KBC may be in some trouble as it scores bad on both profitability and health. KBC is valied quite expensively at the moment, while it does show a decent growth rate.

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1. Profitability

1.1 Basic Checks

In the past year KBC was profitable.

In the past year KBC has reported a negative cash flow from operations.

KBC had positive earnings in each of the past 5 years.

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 60.44% of the companies in the same industry.

With a decent Return On Equity value of 13.39%, KBC is doing good in the industry, outperforming 73.63% of the companies in the same industry.

		Industry Rank	Sector Rank
ROA	0.89%
ROE	13.39%
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 25.59%. This is in the better half of the industry: KBC outperforms 72.53% of its industry peers.

In the last couple of years the Profit Margin of KBC has remained more or less at the same level.

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)	25.59%
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

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ROA

ROE

ROIC

Operating and Profit Margin

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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

Compared to 5 years ago, KBC has less shares outstanding

The debt/assets ratio for KBC is higher compared to a year ago.

2.2 Solvency

A Debt/Equity ratio of 2.12 is on the high side and indicates that KBC has dependencies on debt financing.

KBC has a Debt to Equity ratio (2.12) which is in line with its industry peers.

		Industry Rank	Sector Rank
Debt/Equity	2.12
Debt/FCF	N/A
Altman-Z	N/A

ROIC/WACCN/A

WACC19.18%

2.3 Liquidity

		Industry Rank	Sector Rank
Current Ratio	N/A
Quick Ratio	N/A

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WACC

Debt/Equity

How to determine the health of a company

Altman-Z score

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3. Growth

3.1 Past

KBC shows a strong growth in Earnings Per Share. In the last year, the EPS has been growing by 18.65%, which is quite good.

KBC shows a small growth in Earnings Per Share. Measured over the last years, the EPS has been growing by 7.34% yearly.

KBC shows a small growth in Revenue. In the last year, the Revenue has grown by 5.27%.

KBC shows a small growth in Revenue. Measured over the last years, the Revenue has been growing by 6.55% yearly.

EPS 1Y (TTM)18.65%

EPS 3Y10.6%

EPS 5Y7.34%

EPS Q2Q%11.86%

Revenue 1Y (TTM)5.27%

Revenue growth 3Y11.18%

Revenue growth 5Y6.55%

Sales Q2Q%7.64%

3.2 Future

KBC is expected to show a small growth in Earnings Per Share. In the coming years, the EPS will grow by 4.92% yearly.

KBC is expected to show a small growth in Revenue. In the coming years, the Revenue will grow by 6.66% yearly.

EPS Next Y-3.74%

EPS Next 2Y2.57%

EPS Next 3Y4.8%

EPS Next 5Y4.92%

Revenue Next Year6.03%

Revenue Next 2Y5.73%

Revenue Next 3Y5.59%

Revenue Next 5Y6.66%

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.

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4. Valuation

4.1 Price/Earnings Ratio

The Price/Earnings ratio is 10.44, which indicates a very decent valuation of KBC.

Compared to the rest of the industry, the Price/Earnings ratio of KBC indicates a slightly more expensive valuation: KBC is more expensive than 62.64% of the companies listed in the same industry.

KBC is valuated cheaply when we compare the Price/Earnings ratio to 27.19, which is the current average of the S&P500 Index.

With a Price/Forward Earnings ratio of 10.09, the valuation of KBC can be described as very reasonable.

KBC's Price/Forward Earnings ratio is in line with the industry average.

When comparing the Price/Forward Earnings ratio of KBC to the average of the S&P500 Index (35.33), we can say KBC is valued rather cheaply.

		Industry Rank	Sector Rank
PE	10.44
Fwd PE	10.09

4.2 Price Multiples

		Industry Rank	Sector Rank
P/FCF	N/A
EV/EBITDA	N/A

4.3 Compensation for Growth

PEG (NY)N/A

PEG (5Y)1.42

EPS Next 2Y2.57%

EPS Next 3Y4.8%

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5. Dividend

5.1 Amount

KBC has a Yearly Dividend Yield of 3.17%. Purely for dividend investing, there may be better candidates out there.

Compared to an average industry Dividend Yield of 5.19, KBC's dividend is way lower than its industry peers. On top of this 84.62% of the companies listed in the same industry pay a better dividend than KBC!

Compared to an average S&P500 Dividend Yield of 2.35, KBC pays a bit more dividend than the S&P500 average.

		Industry Rank	Sector Rank
Dividend Yield	3.17%

5.2 History

The dividend of KBC is nicely growing with an annual growth rate of 6.61%!

Dividend Growth(5Y)6.61%

Div Incr Years1

Div Non Decr Years3

5.3 Sustainability

57.59% 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.

DP57.59%

EPS Next 2Y2.57%

EPS Next 3Y4.8%

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KBC GROUP NV

EBR:KBC (7/15/2025, 7:00:00 PM)

88.34

-1.76 (-1.95%)

Chartmill FA Rating

GICS SectorFinancials

GICS IndustryGroupBanks

GICS IndustryBanks

Earnings (Last)05-15 2025-05-15/bmo

Earnings (Next)08-07 2025-08-07

Inst Owners28.61%

Inst Owner ChangeN/A

Ins OwnersN/A

Ins Owner ChangeN/A

Market Cap36.89B

Analysts70.91

Price Target93 (5.28%)

Short Float %N/A

Short RatioN/A

Dividend

		Industry Rank	Sector Rank
Dividend Yield	3.17%

Yearly Dividend4.82

Dividend Growth(5Y)6.61%

DP57.59%

Div Incr Years1

Div Non Decr Years3

Ex-DateN/A

Surprises & Revisions

EPS beat(2)2

Avg EPS beat(2)7.1%

Min EPS beat(2)5.1%

Max EPS beat(2)9.09%

EPS beat(4)4

Avg EPS beat(4)7.42%

Min EPS beat(4)5.1%

Max EPS beat(4)9.09%

EPS beat(8)7

Avg EPS beat(8)6.37%

EPS beat(12)10

Avg EPS beat(12)10.1%

EPS beat(16)13

Avg EPS beat(16)9.38%

Revenue beat(2)2

Avg Revenue beat(2)1.21%

Min Revenue beat(2)0.8%

Max Revenue beat(2)1.63%

Revenue beat(4)3

Avg Revenue beat(4)0.44%

Min Revenue beat(4)-1.1%

Max Revenue beat(4)1.63%

Revenue beat(8)4

Avg Revenue beat(8)0.27%

Revenue beat(12)8

Avg Revenue beat(12)12.96%

Revenue beat(16)12

Avg Revenue beat(16)20.65%

PT rev (1m)0.36%

PT rev (3m)3.64%

EPS NQ rev (1m)0.06%

EPS NQ rev (3m)1%

EPS NY rev (1m)0%

EPS NY rev (3m)-0.6%

Revenue NQ rev (1m)0%

Revenue NQ rev (3m)0.78%

Revenue NY rev (1m)0%

Revenue NY rev (3m)-0.07%

Valuation

		Industry Rank	Sector Rank
PE	10.44
Fwd PE	10.09
P/S	2.8
P/FCF	N/A
P/OCF	N/A
P/B	1.46
P/tB	1.63
EV/EBITDA	N/A

EPS(TTM)8.46

EY9.58%

EPS(NY)8.75

Fwd EY9.91%

FCF(TTM)-3.9

FCFYN/A

OCF(TTM)-0.57

OCFYN/A

SpS31.56

BVpS60.33

TBVpS54.31

PEG (NY)N/A

PEG (5Y)1.42

Profitability

		Industry Rank	Sector Rank
ROA	0.89%
ROE	13.39%
ROCE	N/A
ROIC	N/A
ROICexc	N/A
ROICexgc	N/A
OM	N/A
PM (TTM)	25.59%
GM	N/A
FCFM	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

ROICexc(3y)N/A

ROICexc(5y)N/A

ROICexgc(3y)N/A

ROICexgc(5y)N/A

ROCE(3y)N/A

ROCE(5y)N/A

ROICexcg growth 3YN/A

ROICexcg 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-Score4

Asset Turnover0.03

Health

		Industry Rank	Sector Rank
Debt/Equity	2.12
Debt/FCF	N/A
Debt/EBITDA	N/A
Cap/Depr	301.95%
Cap/Sales	10.56%
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-Score4

WACC19.18%

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)18.65%

EPS 3Y10.6%

EPS 5Y7.34%

EPS Q2Q%11.86%

EPS Next Y-3.74%

EPS Next 2Y2.57%

EPS Next 3Y4.8%

EPS Next 5Y4.92%

Revenue 1Y (TTM)5.27%

Revenue growth 3Y11.18%

Revenue growth 5Y6.55%

Sales Q2Q%7.64%

Revenue Next Year6.03%

Revenue Next 2Y5.73%

Revenue Next 3Y5.59%

Revenue Next 5Y6.66%

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 1Y94.24%

FCF growth 3Y-13.57%

FCF growth 5YN/A

OCF growth 1Y99.13%

OCF growth 3Y-11.16%

OCF growth 5YN/A

KBC GROUP NV (KBC.BR) Stock Fundamental Analysis

1. Profitability

1.1 Basic Checks

1.2 Ratios

1.3 Margins

More info and screens

2. Health

2.1 Basic Checks

2.2 Solvency

2.3 Liquidity

More info and screens

3. Growth

3.1 Past

3.2 Future

3.3 Evolution

More info and screens

4. Valuation

4.1 Price/Earnings Ratio

4.2 Price Multiples

4.3 Compensation for Growth

More info and screens

5. Dividend

5.1 Amount

5.2 History

5.3 Sustainability

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