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

FRA:KDB • BE0003565737

Current stock price

106.5 EUR
+0.5 (+0.47%)
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

  • KDB had positive earnings in the past year.
  • KDB had a positive operating cash flow in the past year.
  • KDB had positive earnings in each of the past 5 years.
  • The reported operating cash flow has been mixed in the past 5 years: KDB reported negative operating cash flow in multiple 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

  • With a Return On Assets value of 0.93%, KDB perfoms like the industry average, outperforming 59.29% of the companies in the same industry.
  • KDB has a better Return On Equity (13.26%) than 68.14% of its industry peers.
Industry RankSector Rank
ROA 0.93%
ROE 13.26%
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

  • KDB has a better Profit Margin (25.84%) than 60.18% of its industry peers.
  • In the last couple of years the Profit Margin of KDB has grown nicely.
  • 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) 25.84%
GM N/A
OM growth 3YN/A
OM growth 5YN/A
PM growth 3Y5.6%
PM growth 5Y11.41%
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

More info and screens

ROAROEROICOperating and Profit MarginShow most profitable peers

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.
  • The number of shares outstanding for KDB remains at a similar level compared to 1 year ago.
  • The number of shares outstanding for KDB has been reduced compared to 5 years ago.
  • Compared to 1 year ago, KDB has an improved debt to assets ratio.
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

  • The Debt to FCF ratio of KDB is 14.81, which is on the high side as it means it would take KDB, 14.81 years of fcf income to pay off all of its debts.
  • Looking at the Debt to FCF ratio, with a value of 14.81, KDB is in the better half of the industry, outperforming 73.45% of the companies in the same industry.
  • A Debt/Equity ratio of 1.72 is on the high side and indicates that KDB has dependencies on debt financing.
  • The Debt to Equity ratio of KDB (1.72) is comparable to the rest of the industry.
Industry RankSector Rank
Debt/Equity 1.72
Debt/FCF 14.81
Altman-Z N/A
ROIC/WACCN/A
WACC18.27%
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

More info and screens

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

4

3. KDB.DE Growth Analysis

3.1 Past

  • The Earnings Per Share has been growing slightly by 4.09% over the past year.
  • Measured over the past years, KDB shows a very strong growth in Earnings Per Share. The EPS has been growing by 21.06% on average per year.
  • The Revenue has grown by 9.73% in the past year. This is quite good.
  • Measured over the past years, KDB shows a small growth in Revenue. The Revenue has been growing by 7.68% on average per year.
EPS 1Y (TTM)4.09%
EPS 3Y10.26%
EPS 5Y21.06%
EPS Q2Q%-12.73%
Revenue 1Y (TTM)9.73%
Revenue growth 3Y1.96%
Revenue growth 5Y7.68%
Sales Q2Q%-5.52%

3.2 Future

  • KDB is expected to show a small growth in Earnings Per Share. In the coming years, the EPS will grow by 6.02% yearly.
  • The Revenue is expected to grow by 7.67% on average over the next years.
EPS Next Y13.51%
EPS Next 2Y12%
EPS Next 3Y12.03%
EPS Next 5Y6.02%
Revenue Next Year11.67%
Revenue Next 2Y8.37%
Revenue Next 3Y7.67%
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.
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 5B 10B
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

More info and screens

Find the best growth stocksShow best growing peers

4

4. KDB.DE Valuation Analysis

4.1 Price/Earnings Ratio

  • KDB is valuated correctly with a Price/Earnings ratio of 12.30.
  • Based on the Price/Earnings ratio, KDB is valued a bit more expensive than the industry average as 73.45% of the companies are valued more cheaply.
  • KDB's Price/Earnings ratio indicates a rather cheap valuation when compared to the S&P500 average which is at 25.23.
  • A Price/Forward Earnings ratio of 10.83 indicates a reasonable valuation of KDB.
  • KDB's Price/Forward Earnings ratio is in line with the industry average.
  • When comparing the Price/Forward Earnings ratio of KDB to the average of the S&P500 Index (23.28), we can say KDB is valued rather cheaply.
Industry RankSector Rank
PE 12.3
Fwd PE 10.83
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

  • KDB's Price/Free Cash Flow is on the same level as the industry average.
Industry RankSector Rank
P/FCF 14.22
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

  • The low PEG Ratio(NY), which compensates the Price/Earnings for growth, indicates a rather cheap valuation of the company.
  • A more expensive valuation may be justified as KDB's earnings are expected to grow with 12.03% in the coming years.
PEG (NY)0.91
PEG (5Y)0.58
EPS Next 2Y12%
EPS Next 3Y12.03%

More info and screens

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

4

5. KDB.DE Dividend Analysis

5.1 Amount

  • With a Yearly Dividend Yield of 3.38%, KDB has a reasonable but not impressive dividend return.
  • Compared to an average industry Dividend Yield of 4.72, KDB is paying slightly less dividend.
  • KDB's Dividend Yield is rather good when compared to the S&P500 average which is at 1.89.
Industry RankSector Rank
Dividend Yield 3.38%

5.2 History

  • The dividend of KDB is nicely growing with an annual growth rate of 6.61%!
Dividend Growth(5Y)6.61%
Div Incr YearsN/A
Div Non Decr YearsN/A
KDB.DE Yearly Dividends per shareKDB.DE Yearly Dividends per shareYearly Dividends per share 2026 1 2 3 4

5.3 Sustainability

  • 46.04% of the earnings are spent on dividend by KDB. This is a bit on the high side, but may be sustainable.
  • KDB's earnings are growing slower than its dividend. This means the dividend growth is not sustainable.
DP46.04%
EPS Next 2Y12%
EPS Next 3Y12.03%
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

More info and screens

Find the best dividend stocksShow peers with best dividend

KDB.DE Fundamentals: All Metrics, Ratios and Statistics

KBC GROUP NV

FRA:KDB (3/20/2026, 7:00:00 PM)

106.5

+0.5 (+0.47%)

Chartmill FA Rating
GICS SectorFinancials
GICS IndustryGroupBanks
GICS IndustryBanks
Earnings (Last)02-12
Earnings (Next)05-12
Inst Owners29.52%
Inst Owner ChangeN/A
Ins OwnersN/A
Ins Owner ChangeN/A
Market Cap44.48B
Revenue(TTM)14.29B
Net Income(TTM)3.58B
Analysts70.43
Price Target124.82 (17.2%)
Short Float %N/A
Short RatioN/A
Dividend
Industry RankSector Rank
Dividend Yield 3.38%
Yearly Dividend4.82
Dividend Growth(5Y)6.61%
DP46.04%
Div Incr YearsN/A
Div Non Decr YearsN/A
Ex-DateN/A
Surprises & Revisions
EPS beat(2)2
Avg EPS beat(2)6.34%
Min EPS beat(2)3.79%
Max EPS beat(2)8.9%
EPS beat(4)4
Avg EPS beat(4)6.72%
Min EPS beat(4)3.79%
Max EPS beat(4)9.09%
EPS beat(8)7
Avg EPS beat(8)5.52%
EPS beat(12)10
Avg EPS beat(12)9.09%
EPS beat(16)14
Avg EPS beat(16)9.54%
Revenue beat(2)1
Avg Revenue beat(2)0.97%
Min Revenue beat(2)-0.49%
Max Revenue beat(2)2.43%
Revenue beat(4)3
Avg Revenue beat(4)9.04%
Min Revenue beat(4)-0.49%
Max Revenue beat(4)20.34%
Revenue beat(8)7
Avg Revenue beat(8)12.5%
Revenue beat(12)11
Avg Revenue beat(12)17.85%
Revenue beat(16)15
Avg Revenue beat(16)24.36%
PT rev (1m)9.45%
PT rev (3m)9.95%
EPS NQ rev (1m)0%
EPS NQ rev (3m)0.49%
EPS NY rev (1m)2.29%
EPS NY rev (3m)2.67%
Revenue NQ rev (1m)0%
Revenue NQ rev (3m)0.41%
Revenue NY rev (1m)1.24%
Revenue NY rev (3m)3.28%
Valuation
Industry RankSector Rank
PE 12.3
Fwd PE 10.83
P/S 3.21
P/FCF 14.22
P/OCF 9.87
P/B 1.65
P/tB 1.83
EV/EBITDA N/A
EPS(TTM)8.66
EY8.13%
EPS(NY)9.83
Fwd EY9.23%
FCF(TTM)7.49
FCFY7.03%
OCF(TTM)10.79
OCFY10.13%
SpS33.13
BVpS64.55
TBVpS58.24
PEG (NY)0.91
PEG (5Y)0.58
Graham Number112.15
Profitability
Industry RankSector Rank
ROA 0.93%
ROE 13.26%
ROCE N/A
ROIC N/A
ROICexc N/A
ROICexgc N/A
OM N/A
PM (TTM) 25.84%
GM N/A
FCFM 22.61%
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 3Y5.6%
PM growth 5Y11.41%
GM growth 3YN/A
GM growth 5YN/A
F-Score8
Asset Turnover0.04
Health
Industry RankSector Rank
Debt/Equity 1.72
Debt/FCF 14.81
Debt/EBITDA N/A
Cap/Depr N/A
Cap/Sales 9.97%
Interest Coverage N/A
Cash Conversion N/A
Profit Quality 87.52%
Current Ratio N/A
Quick Ratio N/A
Altman-Z N/A
F-Score8
WACC18.27%
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)4.09%
EPS 3Y10.26%
EPS 5Y21.06%
EPS Q2Q%-12.73%
EPS Next Y13.51%
EPS Next 2Y12%
EPS Next 3Y12.03%
EPS Next 5Y6.02%
Revenue 1Y (TTM)9.73%
Revenue growth 3Y1.96%
Revenue growth 5Y7.68%
Sales Q2Q%-5.52%
Revenue Next Year11.67%
Revenue Next 2Y8.37%
Revenue Next 3Y7.67%
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 1Y120.28%
FCF growth 3YN/A
FCF growth 5YN/A
OCF growth 1Y131.84%
OCF growth 3YN/A
OCF growth 5YN/A

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 5 / 10 to KBC GROUP NV (KDB.DE). This can be considered as Fairly Valued.


How profitable is KBC GROUP NV (KDB.DE) stock?

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


What is the financial health of KBC GROUP NV (KDB.DE) stock?

The financial health rating of KBC GROUP NV (KDB.DE) is 2 / 10.


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 13.51% in the next year.