KBCA Fundamental Analysis - KBC ANCORA

Fundamental Rating

KBCA gets a fundamental rating of 5 out of 10. The analysis compared the fundamentals against 96 industry peers in the Banks industry. KBCA has an excellent profitability rating, but there are some minor concerns on its financial health. While showing a medium growth rate, KBCA is valued expensive at the moment.

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1. Profitability

1.1 Basic Checks

In the past year KBCA was profitable.

Each year in the past 5 years KBCA has been profitable.

KBCA had a positive operating cash flow in each of the past 5 years.

1.2 Ratios

KBCA has a better Return On Assets (10.08%) than 100.00% of its industry peers.

KBCA has a Return On Equity (10.37%) which is comparable to the rest of the industry.

The Return On Invested Capital of KBCA (7.57%) is better than 100.00% of its industry peers.

		Industry Rank	Sector Rank
ROA	10.08%
ROE	10.37%
ROIC	7.57%

ROA(3y)N/A

ROA(5y)N/A

ROE(3y)N/A

ROE(5y)N/A

ROIC(3y)N/A

ROIC(5y)N/A

1.3 Margins

KBCA has a better Profit Margin (97.62%) than 100.00% of its industry peers.

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

Looking at the Operating Margin, with a value of 97.62%, KBCA belongs to the top of the industry, outperforming 100.00% of the companies in the same industry.

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

The Gross Margin of KBCA (98.53%) is better than 100.00% of its industry peers.

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

		Industry Rank	Sector Rank
OM	97.62%
PM (TTM)	97.62%
GM	98.53%

OM growth 3Y22.8%

OM growth 5Y0.81%

PM growth 3Y-60.25%

PM growth 5Y0.81%

GM growth 3Y18.14%

GM growth 5Y0.79%

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ROA

ROE

ROIC

Operating and Profit Margin

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2. Health

2.1 Basic Checks

Compared to 5 years ago, KBCA has less shares outstanding

2.2 Solvency

KBCA has an Altman-Z score of 29.63. This indicates that KBCA is financially healthy and has little risk of bankruptcy at the moment.

The Altman-Z score of KBCA (29.63) is better than 100.00% of its industry peers.

KBCA has a Debt/Equity ratio of 0.03. This is a healthy value indicating a solid balance between debt and equity.

KBCA has a better Debt to Equity ratio (0.03) than 94.79% of its industry peers.

		Industry Rank	Sector Rank
Debt/Equity	0.03
Debt/FCF	N/A
Altman-Z	29.63

ROIC/WACCN/A

WACCN/A

2.3 Liquidity

A Current Ratio of 21.43 indicates that KBCA has no problem at all paying its short term obligations.

With an excellent Current ratio value of 21.43, KBCA belongs to the best of the industry, outperforming 100.00% of the companies in the same industry.

KBCA has a Quick Ratio of 21.43. This indicates that KBCA is financially healthy and has no problem in meeting its short term obligations.

KBCA has a Quick ratio of 21.43. This is amongst the best in the industry. KBCA outperforms 100.00% of its industry peers.

		Industry Rank	Sector Rank
Current Ratio	21.43
Quick Ratio	21.43

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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

The Earnings Per Share has grown by an impressive 24.35% over the past year.

KBCA shows quite a strong growth in Earnings Per Share. Measured over the last years, the EPS has been growing by 8.09% yearly.

The Revenue has grown by 21.54% in the past year. This is a very strong growth!

The Revenue has been growing slightly by 6.85% on average over the past years.

EPS 1Y (TTM)24.35%

EPS 3Y-10.91%

EPS 5Y8.09%

EPS Q2Q%1.05%

Revenue 1Y (TTM)21.54%

Revenue growth 3Y122.84%

Revenue growth 5Y6.85%

Sales Q2Q%0%

3.2 Future

The Earnings Per Share is expected to grow by 5.00% on average over the next years.

KBCA is expected to show a small growth in Revenue. In the coming years, the Revenue will grow by 4.21% yearly.

EPS Next Y10.21%

EPS Next 2Y3.65%

EPS Next 3Y5%

EPS Next 5YN/A

Revenue Next Year9.06%

Revenue Next 2Y3.17%

Revenue Next 3Y4.21%

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 decreasing.

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4. Valuation

4.1 Price/Earnings Ratio

A Price/Earnings ratio of 13.54 indicates a correct valuation of KBCA.

Based on the Price/Earnings ratio, KBCA is valued a bit more expensive than the industry average as 79.17% of the companies are valued more cheaply.

KBCA is valuated rather cheaply when we compare the Price/Earnings ratio to 27.03, which is the current average of the S&P500 Index.

KBCA is valuated correctly with a Price/Forward Earnings ratio of 13.76.

77.08% of the companies in the same industry are cheaper than KBCA, based on the Price/Forward Earnings ratio.

When comparing the Price/Forward Earnings ratio of KBCA to the average of the S&P500 Index (22.63), we can say KBCA is valued slightly cheaper.

		Industry Rank	Sector Rank
PE	13.54
Fwd PE	13.76

4.2 Price Multiples

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

4.3 Compensation for Growth

The PEG Ratio(NY), which compensates the Price/Earnings for growth, indicates a correct valuation of the company.

KBCA has a very decent profitability rating, which may justify a higher PE ratio.

PEG (NY)1.33

PEG (5Y)1.67

EPS Next 2Y3.65%

EPS Next 3Y5%

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5. Dividend

5.1 Amount

With a Yearly Dividend Yield of 3.69%, KBCA has a reasonable but not impressive dividend return.

Compared to an average industry Dividend Yield of 5.01, KBCA is paying slightly less dividend.

KBCA's Dividend Yield is rather good when compared to the S&P500 average which is at 2.32.

		Industry Rank	Sector Rank
Dividend Yield	3.69%

5.2 History

Dividend Growth(5Y)N/A

Div Incr Years1

Div Non Decr Years1

5.3 Sustainability

DPN/A

EPS Next 2Y3.65%

EPS Next 3Y5%

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KBC ANCORA

EBR:KBCA (9/5/2025, 10:19:10 AM)

+0.3 (+0.46%)

Chartmill FA Rating

GICS SectorFinancials

GICS IndustryGroupBanks

GICS IndustryBanks

Earnings (Last)08-29 2025-08-29

Earnings (Next)N/A N/A

Inst Owners9.56%

Inst Owner ChangeN/A

Ins OwnersN/A

Ins Owner ChangeN/A

Market Cap5.01B

Analysts82.86

Price Target61.2 (-5.85%)

Short Float %N/A

Short RatioN/A

Dividend

		Industry Rank	Sector Rank
Dividend Yield	3.69%

Yearly DividendN/A

Dividend Growth(5Y)N/A

DPN/A

Div Incr Years1

Div Non Decr Years1

Ex-DateN/A

Surprises & Revisions

EPS beat(2)N/A

Avg EPS beat(2)N/A

Min EPS beat(2)N/A

Max EPS beat(2)N/A

EPS beat(4)N/A

Avg EPS beat(4)N/A

Min EPS beat(4)N/A

Max EPS beat(4)N/A

EPS beat(8)N/A

Avg EPS beat(8)N/A

EPS beat(12)N/A

Avg EPS beat(12)N/A

EPS beat(16)N/A

Avg EPS beat(16)N/A

Revenue beat(2)N/A

Avg Revenue beat(2)N/A

Min Revenue beat(2)N/A

Max Revenue beat(2)N/A

Revenue beat(4)N/A

Avg Revenue beat(4)N/A

Min Revenue beat(4)N/A

Max Revenue beat(4)N/A

Revenue beat(8)N/A

Avg Revenue beat(8)N/A

Revenue beat(12)N/A

Avg Revenue beat(12)N/A

Revenue beat(16)N/A

Avg Revenue beat(16)N/A

PT rev (1m)0%

PT rev (3m)0%

EPS NQ rev (1m)N/A

EPS NQ rev (3m)N/A

EPS NY rev (1m)0%

EPS NY rev (3m)0%

Revenue NQ rev (1m)N/A

Revenue NQ rev (3m)N/A

Revenue NY rev (1m)0%

Revenue NY rev (3m)0%

Valuation

		Industry Rank	Sector Rank
PE	13.54
Fwd PE	13.76
P/S	13.24
P/FCF	N/A
P/OCF	N/A
P/B	1.41
P/tB	1.41
EV/EBITDA	N/A

EPS(TTM)4.8

EY7.38%

EPS(NY)4.72

Fwd EY7.27%

FCF(TTM)N/A

FCFYN/A

OCF(TTM)N/A

OCFYN/A

SpS4.91

BVpS46.19

TBVpS46.19

PEG (NY)1.33

PEG (5Y)1.67

Profitability

		Industry Rank	Sector Rank
ROA	10.08%
ROE	10.37%
ROCE	10.09%
ROIC	7.57%
ROICexc	7.57%
ROICexgc	7.57%
OM	97.62%
PM (TTM)	97.62%
GM	98.53%
FCFM	N/A

ROA(3y)N/A

ROA(5y)N/A

ROE(3y)N/A

ROE(5y)N/A

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 3Y171.46%

ROICexcg growth 5Y4.55%

ROICexc growth 3Y171.46%

ROICexc growth 5Y4.55%

OM growth 3Y22.8%

OM growth 5Y0.81%

PM growth 3Y-60.25%

PM growth 5Y0.81%

GM growth 3Y18.14%

GM growth 5Y0.79%

F-ScoreN/A

Asset Turnover0.1

Health

		Industry Rank	Sector Rank
Debt/Equity	0.03
Debt/FCF	N/A
Debt/EBITDA	N/A
Cap/Depr	N/A
Cap/Sales	N/A
Interest Coverage	N/A
Cash Conversion	N/A
Profit Quality	N/A
Current Ratio	21.43
Quick Ratio	21.43
Altman-Z	29.63

F-ScoreN/A

WACCN/A

ROIC/WACCN/A

Cap/Depr(3y)N/A

Cap/Depr(5y)N/A

Cap/Sales(3y)N/A

Cap/Sales(5y)N/A

Profit Quality(3y)N/A

Profit Quality(5y)N/A

High Growth Momentum

Growth

EPS 1Y (TTM)24.35%

EPS 3Y-10.91%

EPS 5Y8.09%

EPS Q2Q%1.05%

EPS Next Y10.21%

EPS Next 2Y3.65%

EPS Next 3Y5%

EPS Next 5YN/A

Revenue 1Y (TTM)21.54%

Revenue growth 3Y122.84%

Revenue growth 5Y6.85%

Sales Q2Q%0%

Revenue Next Year9.06%

Revenue Next 2Y3.17%

Revenue Next 3Y4.21%

Revenue Next 5YN/A

EBIT growth 1Y22.59%

EBIT growth 3Y173.65%

EBIT growth 5Y7.72%

EBIT Next YearN/A

EBIT Next 3YN/A

EBIT Next 5YN/A

FCF growth 1YN/A

FCF growth 3Y176.14%

FCF growth 5Y8.36%

OCF growth 1YN/A

OCF growth 3Y176.14%

OCF growth 5Y8.36%

KBC ANCORA (KBCA.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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