KBC GROUP NV (KBC.BR) Fundamental Analysis & Valuation

EBR:KBC • BE0003565737

Current stock price

114.8 EUR
+1.25 (+1.1%)
Last:

This KBC.BR fundamental analysis includes valuation metrics, fair value assessment, financial health analysis, profitability trends, growth metrics and dividend sustainability analysis.

3

1. KBC.BR Profitability Analysis

1.1 Basic Checks

  • In the past year KBC was profitable.
  • In the past year KBC had a positive cash flow from operations.
  • 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.
KBC.BR Yearly Net Income VS EBIT VS OCF VS FCFKBC.BR 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 2025 0 10B -10B 20B -20B

1.2 Ratios

  • KBC has a Return On Assets of 0.87%. This is comparable to the rest of the industry: KBC outperforms 53.33% of its industry peers.
  • The Return On Equity of KBC (12.37%) is better than 60.95% of its industry peers.
Industry RankSector Rank
ROA 0.87%
ROE 12.37%
ROIC N/A
ROA(3y)0.91%
ROA(5y)0.85%
ROE(3y)13.28%
ROE(5y)12.73%
ROIC(3y)N/A
ROIC(5y)N/A
KBC.BR Yearly ROA, ROE, ROICKBC.BR Yearly ROA, ROE, ROICYearly ROA, ROE, ROIC 2016 2017 2018 2019 2020 2021 2022 2023 2024 2025 2 4 6 8 10

1.3 Margins

  • Looking at the Profit Margin, with a value of 24.17%, KBC is in line with its industry, outperforming 55.24% of the companies in the same industry.
  • In the last couple of years the Profit Margin of KBC has grown nicely.
  • The Operating Margin and Gross Margin are not available for KBC so they could not be analyzed.
Industry RankSector Rank
OM N/A
PM (TTM) 24.17%
GM N/A
OM growth 3YN/A
OM growth 5YN/A
PM growth 3Y4.17%
PM growth 5Y10.51%
GM growth 3YN/A
GM growth 5YN/A
KBC.BR Yearly Profit, Operating, Gross MarginsKBC.BR Yearly Profit, Operating, Gross MarginsYearly Profit, Operating, Gross Margins 2016 2017 2018 2019 2020 2021 2022 2023 2024 2025 5 10 15 20

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2

2. KBC.BR Health Analysis

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 about the same amount of shares outstanding.
  • KBC has less shares outstanding than it did 5 years ago.
  • KBC has a better debt/assets ratio than last year.
KBC.BR Yearly Shares OutstandingKBC.BR Yearly Shares OutstandingYearly Shares Outstanding 2016 2017 2018 2019 2020 2021 2022 2023 2024 2025 100M 200M 300M 400M
KBC.BR Yearly Total Debt VS Total AssetsKBC.BR Yearly Total Debt VS Total AssetsYearly Total Debt VS Total Assets 2016 2017 2018 2019 2020 2021 2022 2023 2024 2025 100B 200B 300B

2.2 Solvency

  • KBC has a debt to FCF ratio of 17.48. This is a negative value and a sign of low solvency as KBC would need 17.48 years to pay back of all of its debts.
  • KBC's Debt to FCF ratio of 17.48 is fine compared to the rest of the industry. KBC outperforms 65.71% 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 RankSector Rank
Debt/Equity 1.77
Debt/FCF 17.48
Altman-Z N/A
ROIC/WACCN/A
WACC17.83%
KBC.BR Yearly LT Debt VS Equity VS FCFKBC.BR Yearly LT Debt VS Equity VS FCFYearly LT Debt VS Equity VS FCF 2016 2017 2018 2019 2020 2021 2022 2023 2024 2025 0 10B -10B 20B -20B

2.3 Liquidity

Industry RankSector Rank
Current Ratio N/A
Quick Ratio N/A
KBC.BR Yearly Current Assets VS Current LiabilitesKBC.BR Yearly Current Assets VS Current LiabilitesYearly Current Assets VS Current Liabilites 2016 2017 2018 2019 2020 2021 2022 2023 2024 2025 5B 10B 15B 20B

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

6

3. KBC.BR Growth Analysis

3.1 Past

  • KBC shows a small growth in Earnings Per Share. In the last year, the EPS has grown by 4.09%.
  • The Earnings Per Share has been growing by 21.06% on average over the past years. This is a very strong growth
  • The Revenue has grown by 9.71% in the past year. This is quite good.
  • KBC shows quite a strong growth in Revenue. Measured over the last years, the Revenue has been growing by 8.54% yearly.
EPS 1Y (TTM)4.09%
EPS 3Y10.26%
EPS 5Y21.06%
EPS Q2Q%-12.73%
Revenue 1Y (TTM)9.71%
Revenue growth 3Y3.32%
Revenue growth 5Y8.54%
Sales Q2Q%11.88%

3.2 Future

  • The Earnings Per Share is expected to grow by 6.02% on average over the next years.
  • The Revenue is expected to grow by 8.20% on average over the next years. This is quite good.
EPS Next Y13.38%
EPS Next 2Y11.69%
EPS Next 3Y11.1%
EPS Next 5Y6.02%
Revenue Next Year13.35%
Revenue Next 2Y8.98%
Revenue Next 3Y8.2%
Revenue Next 5YN/A

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.
KBC.BR Yearly Revenue VS EstimatesKBC.BR Yearly Revenue VS EstimatesYearly Revenue VS Estimates 2015 2016 2017 2018 2019 2020 2021 2022 2023 2024 2025 2026 2027 2028 5B 10B 15B
KBC.BR Yearly EPS VS EstimatesKBC.BR Yearly EPS VS EstimatesYearly EPS VS Estimates 2015 2016 2017 2018 2019 2020 2021 2022 2023 2024 2025 2026 2027 2028 2029 2 4 6 8 10

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4

4. KBC.BR Valuation Analysis

4.1 Price/Earnings Ratio

  • Based on the Price/Earnings ratio of 13.26, the valuation of KBC can be described as correct.
  • KBC's Price/Earnings ratio is rather expensive when compared to the industry. KBC is more expensive than 80.95% of the companies in the same industry.
  • KBC is valuated cheaply when we compare the Price/Earnings ratio to 26.78, which is the current average of the S&P500 Index.
  • Based on the Price/Forward Earnings ratio of 11.69, the valuation of KBC can be described as reasonable.
  • Compared to the rest of the industry, the Price/Forward Earnings ratio of KBC is on the same level as its industry peers.
  • When comparing the Price/Forward Earnings ratio of KBC to the average of the S&P500 Index (23.54), we can say KBC is valued rather cheaply.
Industry RankSector Rank
PE 13.26
Fwd PE 11.69
KBC.BR Price Earnings VS Forward Price EarningsKBC.BR Price Earnings VS Forward Price Earnings ChartPrice Earnings - Forward Price Earnings PE FPE 5 10 15 20 25

4.2 Price Multiples

  • The rest of the industry has a similar Price/Free Cash Flow ratio as KBC.
Industry RankSector Rank
P/FCF 16.97
EV/EBITDA N/A
KBC.BR Per share dataKBC.BR EPS, Sales, OCF, FCF, BookValue per sharePer Share Data Per Share 20 40 60

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.
PEG (NY)0.99
PEG (5Y)0.63
EPS Next 2Y11.69%
EPS Next 3Y11.1%

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

3

5. KBC.BR Dividend Analysis

5.1 Amount

  • KBC has a Yearly Dividend Yield of 3.14%.
  • Compared to an average industry Dividend Yield of 4.70, KBC is paying slightly less dividend.
  • Compared to an average S&P500 Dividend Yield of 1.83, KBC pays a better dividend.
Industry RankSector Rank
Dividend Yield 3.14%

5.2 History

Dividend Growth(5Y)N/A
Div Incr Years0
Div Non Decr Years0
KBC.BR Yearly Dividends per shareKBC.BR Yearly Dividends per shareYearly Dividends per share 2018 2019 2020 2021 2022 2023 2024 2025 2026 1 2 3 4

5.3 Sustainability

  • KBC pays out 47.68% of its income as dividend. This is a bit on the high side, but may be sustainable.
DP47.68%
EPS Next 2Y11.69%
EPS Next 3Y11.1%
KBC.BR Yearly Income VS Free CF VS DividendKBC.BR Yearly Income VS Free CF VS DividendYearly Income VS Free CF VS Dividend 2016 2017 2018 2019 2020 2021 2022 2023 2024 2025 0 10B -10B 20B -20B
KBC.BR Dividend Payout.KBC.BR Dividend Payout, showing the Payout Ratio.KBC.BR Dividend Payout.PayoutRetained Earnings

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KBC.BR Fundamentals: All Metrics, Ratios and Statistics

KBC GROUP NV

EBR:KBC (4/10/2026, 7:00:00 PM)

114.8

+1.25 (+1.1%)

Chartmill FA Rating
GICS SectorFinancials
GICS IndustryGroupBanks
GICS IndustryBanks
Earnings (Last)02-12
Earnings (Next)05-12
Inst Owners30.79%
Inst Owner ChangeN/A
Ins OwnersN/A
Ins Owner ChangeN/A
Market Cap47.95B
Revenue(TTM)14.29B
Net Income(TTM)3.45B
Analysts70.43
Price Target125.09 (8.96%)
Short Float %N/A
Short RatioN/A
Dividend
Industry RankSector Rank
Dividend Yield 3.14%
Yearly Dividend4.15
Dividend Growth(5Y)N/A
DP47.68%
Div Incr Years0
Div Non Decr Years0
Ex-DateN/A
Surprises & Revisions
EPS beat(2)1
Avg EPS beat(2)1.39%
Min EPS beat(2)-1%
Max EPS beat(2)3.79%
EPS beat(4)3
Avg EPS beat(4)5.19%
Min EPS beat(4)-1%
Max EPS beat(4)9.09%
EPS beat(8)7
Avg EPS beat(8)5.85%
EPS beat(12)10
Avg EPS beat(12)9.27%
EPS beat(16)13
Avg EPS beat(16)8.94%
Revenue beat(2)1
Avg Revenue beat(2)0.24%
Min Revenue beat(2)-0.49%
Max Revenue beat(2)0.98%
Revenue beat(4)3
Avg Revenue beat(4)0.93%
Min Revenue beat(4)-0.49%
Max Revenue beat(4)2.43%
Revenue beat(8)5
Avg Revenue beat(8)0.47%
Revenue beat(12)7
Avg Revenue beat(12)2.69%
Revenue beat(16)11
Avg Revenue beat(16)12.48%
PT rev (1m)0.93%
PT rev (3m)9.62%
EPS NQ rev (1m)4.38%
EPS NQ rev (3m)5.18%
EPS NY rev (1m)-0.12%
EPS NY rev (3m)3.08%
Revenue NQ rev (1m)0%
Revenue NQ rev (3m)2.11%
Revenue NY rev (1m)1.5%
Revenue NY rev (3m)4.82%
Valuation
Industry RankSector Rank
PE 13.26
Fwd PE 11.69
P/S 3.36
P/FCF 16.97
P/OCF 11.41
P/B 1.72
P/tB 1.9
EV/EBITDA N/A
EPS(TTM)8.66
EY7.54%
EPS(NY)9.82
Fwd EY8.55%
FCF(TTM)6.76
FCFY5.89%
OCF(TTM)10.06
OCFY8.76%
SpS34.2
BVpS66.81
TBVpS60.35
PEG (NY)0.99
PEG (5Y)0.63
Graham Number114.09
Profitability
Industry RankSector Rank
ROA 0.87%
ROE 12.37%
ROCE N/A
ROIC N/A
ROICexc N/A
ROICexgc N/A
OM N/A
PM (TTM) 24.17%
GM N/A
FCFM 19.78%
ROA(3y)0.91%
ROA(5y)0.85%
ROE(3y)13.28%
ROE(5y)12.73%
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 3Y4.17%
PM growth 5Y10.51%
GM growth 3YN/A
GM growth 5YN/A
F-Score6
Asset Turnover0.04
Health
Industry RankSector Rank
Debt/Equity 1.77
Debt/FCF 17.48
Debt/EBITDA N/A
Cap/Depr 278.54%
Cap/Sales 9.63%
Interest Coverage N/A
Cash Conversion N/A
Profit Quality 81.84%
Current Ratio N/A
Quick Ratio N/A
Altman-Z N/A
F-Score6
WACC17.83%
ROIC/WACCN/A
Cap/Depr(3y)262.42%
Cap/Depr(5y)231.03%
Cap/Sales(3y)9.41%
Cap/Sales(5y)8.72%
Profit Quality(3y)N/A
Profit Quality(5y)N/A
High Growth Momentum
Growth
EPS 1Y (TTM)4.09%
EPS 3Y10.26%
EPS 5Y21.06%
EPS Q2Q%-12.73%
EPS Next Y13.38%
EPS Next 2Y11.69%
EPS Next 3Y11.1%
EPS Next 5Y6.02%
Revenue 1Y (TTM)9.71%
Revenue growth 3Y3.32%
Revenue growth 5Y8.54%
Sales Q2Q%11.88%
Revenue Next Year13.35%
Revenue Next 2Y8.98%
Revenue Next 3Y8.2%
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-66.63%
FCF growth 3Y-34.1%
FCF growth 5Y-35.53%
OCF growth 1Y-57.34%
OCF growth 3Y-26.98%
OCF growth 5Y-30.74%

KBC GROUP NV / KBC.BR Fundamental Analysis 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 of KBC GROUP NV (KBC.BR) stock?

ChartMill assigns a valuation rating of 4 / 10 to KBC GROUP NV (KBC.BR). This can be considered as Fairly Valued.


Can you provide the profitability details for KBC GROUP NV?

KBC GROUP NV (KBC.BR) has a profitability rating of 4 / 10.


What is the valuation of KBC GROUP NV based on its PE and PB ratios?

The Price/Earnings (PE) ratio for KBC GROUP NV (KBC.BR) is 13.26 and the Price/Book (PB) ratio is 1.72.


Is the dividend of KBC GROUP NV sustainable?

The dividend rating of KBC GROUP NV (KBC.BR) is 4 / 10 and the dividend payout ratio is 47.68%.