KBC GROUP NV (KDB.DE) Fundamental Analysis & Valuation

FRA:KDB • BE0003565737

Current stock price

118.3 EUR
-1.45 (-1.21%)
Last:

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

3

1. KDB.DE Profitability Analysis

1.1 Basic Checks

  • In the past year KDB was profitable.
  • KDB had a positive operating cash flow in the past year.
  • In the past 5 years KDB has always been profitable.
  • KDB had a positive operating cash flow in 4 of the past 5 years.
KDB.DE Yearly Net Income VS EBIT VS OCF VS FCFKDB.DE 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

  • Looking at the Return On Assets, with a value of 0.87%, KDB is in line with its industry, outperforming 53.77% of the companies in the same industry.
  • KDB's Return On Equity of 12.37% is fine compared to the rest of the industry. KDB outperforms 61.32% 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
KDB.DE Yearly ROA, ROE, ROICKDB.DE 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

  • The Profit Margin of KDB (24.17%) is comparable to the rest of the industry.
  • KDB's Profit Margin has improved in the last couple of years.
  • The Operating Margin and Gross Margin are not available for KDB 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
KDB.DE Yearly Profit, Operating, Gross MarginsKDB.DE 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. KDB.DE Health Analysis

2.1 Basic Checks

  • KDB does not have a ROIC to compare to the WACC, probably because it is not profitable.
  • KDB has about the same amout of shares outstanding than it did 1 year ago.
  • Compared to 5 years ago, KDB has less shares outstanding
  • KDB has a better debt/assets ratio than last year.
KDB.DE Yearly Shares OutstandingKDB.DE Yearly Shares OutstandingYearly Shares Outstanding 2016 2017 2018 2019 2020 2021 2022 2023 2024 2025 100M 200M 300M 400M
KDB.DE Yearly Total Debt VS Total AssetsKDB.DE 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

  • KDB has a debt to FCF ratio of 17.48. This is a negative value and a sign of low solvency as KDB would need 17.48 years to pay back of all of its debts.
  • With a decent Debt to FCF ratio value of 17.48, KDB is doing good in the industry, outperforming 66.04% of the companies in the same industry.
  • A Debt/Equity ratio of 1.77 is on the high side and indicates that KDB has dependencies on debt financing.
  • KDB's Debt to Equity ratio of 1.77 is in line compared to the rest of the industry. KDB outperforms 50.00% of its industry peers.
Industry RankSector Rank
Debt/Equity 1.77
Debt/FCF 17.48
Altman-Z N/A
ROIC/WACCN/A
WACC13.5%
KDB.DE Yearly LT Debt VS Equity VS FCFKDB.DE 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
KDB.DE Yearly Current Assets VS Current LiabilitesKDB.DE 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. KDB.DE Growth Analysis

3.1 Past

  • The Earnings Per Share has been growing slightly by 4.09% over the past year.
  • The Earnings Per Share has been growing by 21.06% on average over the past years. This is a very strong growth
  • KDB shows quite a strong growth in Revenue. In the last year, the Revenue has grown by 9.71%.
  • KDB 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%-5.52%

3.2 Future

  • The Earnings Per Share is expected to grow by 10.49% on average over the next years. This is quite good.
  • The Revenue is expected to grow by 8.43% on average over the next years. This is quite good.
EPS Next Y13.38%
EPS Next 2Y11.69%
EPS Next 3Y11.1%
EPS Next 5Y10.49%
Revenue Next Year13.38%
Revenue Next 2Y9.02%
Revenue Next 3Y8.23%
Revenue Next 5Y8.43%

3.3 Evolution

  • Although the future EPS growth is still strong, it is not able to hold up the even more excellent growth rate of the past years.
  • The Revenue growth rate is stable: in the next years the growth will be about the same than in the last years.
KDB.DE Yearly Revenue VS EstimatesKDB.DE Yearly Revenue VS EstimatesYearly Revenue VS Estimates 2015 2016 2017 2018 2019 2020 2021 2022 2023 2024 2025 2026 2027 2028 2029 5B 10B 15B
KDB.DE Yearly EPS VS EstimatesKDB.DE 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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3

4. KDB.DE Valuation Analysis

4.1 Price/Earnings Ratio

  • Based on the Price/Earnings ratio of 13.66, the valuation of KDB can be described as correct.
  • Based on the Price/Earnings ratio, KDB is valued expensively inside the industry as 82.08% of the companies are valued cheaper.
  • KDB is valuated cheaply when we compare the Price/Earnings ratio to 27.42, which is the current average of the S&P500 Index.
  • KDB is valuated correctly with a Price/Forward Earnings ratio of 12.05.
  • 63.21% of the companies in the same industry are cheaper than KDB, based on the Price/Forward Earnings ratio.
  • The average S&P500 Price/Forward Earnings ratio is at 22.24. KDB is valued slightly cheaper when compared to this.
Industry RankSector Rank
PE 13.66
Fwd PE 12.05
KDB.DE Price Earnings VS Forward Price EarningsKDB.DE 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 KDB.
Industry RankSector Rank
P/FCF 17.49
EV/EBITDA N/A
KDB.DE Per share dataKDB.DE EPS, Sales, OCF, FCF, BookValue per sharePer Share Data Per Share 20 40 60

4.3 Compensation for Growth

  • KDB's PEG Ratio(NY), which compensates the Price/Earnings for growth, indicates a correct valuation of the company.
PEG (NY)1.02
PEG (5Y)0.65
EPS Next 2Y11.69%
EPS Next 3Y11.1%

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

3

5. KDB.DE Dividend Analysis

5.1 Amount

  • With a Yearly Dividend Yield of 3.12%, KDB has a reasonable but not impressive dividend return.
  • Compared to an average industry Dividend Yield of 4.49, KDB is paying slightly less dividend.
  • KDB's Dividend Yield is rather good when compared to the S&P500 average which is at 1.81.
Industry RankSector Rank
Dividend Yield 3.12%

5.2 History

Dividend Growth(5Y)N/A
Div Incr Years0
Div Non Decr Years0
KDB.DE Yearly Dividends per shareKDB.DE Yearly Dividends per shareYearly Dividends per share 2026 1 2 3 4

5.3 Sustainability

  • 47.68% of the earnings are spent on dividend by KDB. This is a bit on the high side, but may be sustainable.
DP47.68%
EPS Next 2Y11.69%
EPS Next 3Y11.1%
KDB.DE Yearly Income VS Free CF VS DividendKDB.DE 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
KDB.DE Dividend Payout.KDB.DE Dividend Payout, showing the Payout Ratio.KDB.DE Dividend Payout.PayoutRetained Earnings

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KDB.DE Fundamentals: All Metrics, Ratios and Statistics

KBC GROUP NV

FRA:KDB (4/20/2026, 7:00:00 PM)

118.3

-1.45 (-1.21%)

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 Cap49.41B
Revenue(TTM)14.29B
Net Income(TTM)3.45B
Analysts70.43
Price Target101.58 (-14.13%)
Short Float %N/A
Short RatioN/A
Dividend
Industry RankSector Rank
Dividend Yield 3.12%
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)4.19%
Min Revenue beat(4)-0.49%
Max Revenue beat(4)13.87%
Revenue beat(8)7
Avg Revenue beat(8)10.4%
Revenue beat(12)11
Avg Revenue beat(12)14.35%
Revenue beat(16)15
Avg Revenue beat(16)21.23%
PT rev (1m)-18.62%
PT rev (3m)-10.93%
EPS NQ rev (1m)2.58%
EPS NQ rev (3m)3.14%
EPS NY rev (1m)-0.12%
EPS NY rev (3m)2.17%
Revenue NQ rev (1m)-0.03%
Revenue NQ rev (3m)2.05%
Revenue NY rev (1m)1.53%
Revenue NY rev (3m)4.85%
Valuation
Industry RankSector Rank
PE 13.66
Fwd PE 12.05
P/S 3.46
P/FCF 17.49
P/OCF 11.76
P/B 1.77
P/tB 1.96
EV/EBITDA N/A
EPS(TTM)8.66
EY7.32%
EPS(NY)9.82
Fwd EY8.3%
FCF(TTM)6.76
FCFY5.72%
OCF(TTM)10.06
OCFY8.5%
SpS34.2
BVpS66.81
TBVpS60.35
PEG (NY)1.02
PEG (5Y)0.65
Graham Number114.094 (-3.56%)
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
WACC13.5%
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 5Y10.49%
Revenue 1Y (TTM)9.71%
Revenue growth 3Y3.32%
Revenue growth 5Y8.54%
Sales Q2Q%-5.52%
Revenue Next Year13.38%
Revenue Next 2Y9.02%
Revenue Next 3Y8.23%
Revenue Next 5Y8.43%
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 / KDB.DE Fundamental Analysis FAQ

Can you provide the ChartMill fundamental rating for KBC GROUP NV?

ChartMill assigns a fundamental rating of 3 / 10 to KDB.DE.


What is the valuation status of KBC GROUP NV (KDB.DE) stock?

ChartMill assigns a valuation rating of 3 / 10 to KBC GROUP NV (KDB.DE). This can be considered as Overvalued.


What is the profitability of KDB stock?

KBC GROUP NV (KDB.DE) has a profitability rating of 3 / 10.


Can you provide the PE and PB ratios for KDB stock?

The Price/Earnings (PE) ratio for KBC GROUP NV (KDB.DE) is 13.66 and the Price/Book (PB) ratio is 1.77.


What is the earnings growth outlook for KBC GROUP NV?

The Earnings per Share (EPS) of KBC GROUP NV (KDB.DE) is expected to grow by 13.38% in the next year.