KBCA Fundamental Analysis - KBC ANCORA

Fundamental Rating

Overall KBCA gets a fundamental rating of 5 out of 10. We evaluated KBCA against 97 industry peers in the Banks industry. While KBCA belongs to the best of the industry regarding profitability, there are some minor concerns on its financial health. KBCA 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

KBCA had positive earnings in the past year.

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

Each year in the past 5 years KBCA had a positive operating cash flow.

1.2 Ratios

KBCA's Return On Assets of 10.08% is amongst the best of the industry. KBCA outperforms 100.00% of its industry peers.

Looking at the Return On Equity, with a value of 10.37%, KBCA is in line with its industry, outperforming 52.58% of the companies in the same industry.

With an excellent Return On Invested Capital value of 7.57%, KBCA belongs to the best of the industry, outperforming 100.00% of the companies in the same industry.

		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

With an excellent Profit Margin value of 97.62%, KBCA belongs to the best of the industry, outperforming 100.00% of the companies in the same industry.

KBCA's Profit Margin has been stable in the last couple of years.

KBCA has a Operating Margin of 97.62%. This is amongst the best in the industry. KBCA outperforms 100.00% of its industry peers.

KBCA's Operating Margin has been stable in the last couple of years.

Looking at the Gross Margin, with a value of 98.53%, KBCA belongs to the top of the industry, outperforming 100.00% of the companies in the same industry.

KBCA's Gross Margin has been stable in the last couple of years.

		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

An Altman-Z score of 31.43 indicates that KBCA is not in any danger for bankruptcy at the moment.

The Altman-Z score of KBCA (31.43) 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.

Looking at the Debt to Equity ratio, with a value of 0.03, KBCA belongs to the top of the industry, outperforming 93.81% of the companies in the same industry.

		Industry Rank	Sector Rank
Debt/Equity	0.03
Debt/FCF	N/A
Altman-Z	31.43

ROIC/WACCN/A

WACCN/A

2.3 Liquidity

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

KBCA has a better Current ratio (21.43) than 100.00% of its industry peers.

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 better Quick ratio (21.43) than 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.

Looking at the last year, KBCA shows a very strong growth in Revenue. The Revenue has grown by 21.54%.

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

KBCA is expected to show a small growth in Earnings Per Share. In the coming years, the EPS will grow by 5.26% yearly.

KBCA is expected to show a small growth in Revenue. In the coming years, the Revenue will grow by 4.51% yearly.

EPS Next Y10.21%

EPS Next 2Y3.65%

EPS Next 3Y5%

EPS Next 5Y5.26%

Revenue Next Year9.06%

Revenue Next 2Y3.17%

Revenue Next 3Y4.21%

Revenue Next 5Y4.51%

3.3 Evolution

The EPS growth rate is decreasing: in the next years the growth will be less than in the last years.

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

KBCA is valuated correctly with a Price/Earnings ratio of 14.08.

80.41% of the companies in the same industry are cheaper than KBCA, based on the Price/Earnings ratio.

When comparing the Price/Earnings ratio of KBCA to the average of the S&P500 Index (27.86), we can say KBCA is valued slightly cheaper.

A Price/Forward Earnings ratio of 14.31 indicates a correct valuation of KBCA.

Based on the Price/Forward Earnings ratio, KBCA is valued a bit more expensive than 77.32% of the companies in the same industry.

Compared to an average S&P500 Price/Forward Earnings ratio of 23.29, KBCA is valued a bit cheaper.

		Industry Rank	Sector Rank
PE	14.08
Fwd PE	14.31

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)1.38

PEG (5Y)1.74

EPS Next 2Y3.65%

EPS Next 3Y5%

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5. Dividend

5.1 Amount

KBCA has a Yearly Dividend Yield of 3.71%. Purely for dividend investing, there may be better candidates out there.

KBCA's Dividend Yield is slightly below the industry average, which is at 5.02.

Compared to an average S&P500 Dividend Yield of 2.41, KBCA pays a better dividend.

		Industry Rank	Sector Rank
Dividend Yield	3.71%

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 (10/2/2025, 7:00:00 PM)

67.6

-1.1 (-1.6%)

Chartmill FA Rating

GICS SectorFinancials

GICS IndustryGroupBanks

GICS IndustryBanks

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

Earnings (Next)N/A N/A

Inst Owners10.06%

Inst Owner ChangeN/A

Ins OwnersN/A

Ins Owner ChangeN/A

Market Cap5.21B

Analysts82.86

Price Target61.2 (-9.47%)

Short Float %N/A

Short RatioN/A

Dividend

		Industry Rank	Sector Rank
Dividend Yield	3.71%

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	14.08
Fwd PE	14.31
P/S	13.77
P/FCF	N/A
P/OCF	N/A
P/B	1.46
P/tB	1.46
EV/EBITDA	N/A

EPS(TTM)4.8

EY7.1%

EPS(NY)4.72

Fwd EY6.99%

FCF(TTM)N/A

FCFYN/A

OCF(TTM)N/A

OCFYN/A

SpS4.91

BVpS46.19

TBVpS46.19

PEG (NY)1.38

PEG (5Y)1.74

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	31.43

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 5Y5.26%

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 5Y4.51%

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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