KBC GROUP NV (KDB.DE) Stock Fundamental Analysis

FRA:KDB • BE0003565737

122.1 EUR
+6.7 (+5.81%)
Last: Feb 12, 2026, 07:00 PM
Overview Stock Chart Technical Analysis Fundamental Analysis Analyst Ratings Earnings Estimates Financials Ownership
Fundamental Rating

3

We assign a fundamental rating of 3 out of 10 to KDB. KDB was compared to 109 industry peers in the Banks industry. KDB has a bad profitability rating. Also its financial health evaluation is rather negative. KDB is quite expensive at the moment. It does show a decent growth rate.


Dividend Valuation Growth Profitability Health

3

1. Profitability

1.1 Basic Checks

  • KDB had positive earnings in the past year.
  • In the past year KDB had a positive cash flow from operations.
  • Each year in the past 5 years KDB has 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 0 10B -10B 20B -20B

1.2 Ratios

  • Looking at the Return On Assets, with a value of 0.93%, KDB is in line with its industry, outperforming 56.76% of the companies in the same industry.
  • KDB has a better Return On Equity (13.26%) than 67.57% of its industry peers.
Industry RankSector Rank
ROA 0.93%
ROE 13.26%
ROIC N/A
ROA(3y)0.88%
ROA(5y)0.76%
ROE(3y)13.38%
ROE(5y)11.54%
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 2 4 6 8 10

1.3 Margins

  • The Profit Margin of KDB (25.84%) is better than 63.06% of its industry peers.
  • KDB's Profit Margin has been stable 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) 25.84%
GM N/A
OM growth 3YN/A
OM growth 5YN/A
PM growth 3Y-1.86%
PM growth 5Y-0.07%
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 5 10 15 20

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ROAROEROICOperating and Profit MarginShow most profitable peers

2

2. Health

2.1 Basic Checks

  • KDB does not have a ROIC to compare to the WACC, probably because it is not profitable.
  • KDB has less shares outstanding than it did 1 year ago.
  • KDB has less shares outstanding than it did 5 years ago.
  • Compared to 1 year ago, KDB has a worse debt to assets ratio.
KDB.DE Yearly Shares OutstandingKDB.DE Yearly Shares OutstandingYearly Shares Outstanding 2016 2017 2018 2019 2020 2021 2022 2023 2024 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 100B 200B 300B

2.2 Solvency

  • KDB has a debt to FCF ratio of 14.81. This is a negative value and a sign of low solvency as KDB would need 14.81 years to pay back of 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 72.97% 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.
  • KDB has a Debt to Equity ratio (1.72) which 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
WACC17.69%
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 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 5B 10B 15B 20B

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

5

3. Growth

3.1 Past

  • KDB shows a strong growth in Earnings Per Share. In the last year, the EPS has been growing by 25.84%, which is quite impressive.
  • KDB shows a small growth in Earnings Per Share. Measured over the last years, the EPS has been growing by 7.34% yearly.
  • Looking at the last year, KDB shows a quite strong growth in Revenue. The Revenue has grown by 8.25% in the last year.
  • The Revenue has been growing slightly by 6.55% on average over the past years.
EPS 1Y (TTM)25.84%
EPS 3Y10.6%
EPS 5Y7.34%
EPS Q2Q%14.02%
Revenue 1Y (TTM)8.25%
Revenue growth 3Y11.18%
Revenue growth 5Y6.55%
Sales Q2Q%-8.04%

3.2 Future

  • The Earnings Per Share is expected to grow by 5.42% on average over the next years.
  • KDB is expected to show a small growth in Revenue. In the coming years, the Revenue will grow by 7.93% yearly.
EPS Next Y4.52%
EPS Next 2Y7.47%
EPS Next 3Y8.04%
EPS Next 5Y5.42%
Revenue Next Year7.36%
Revenue Next 2Y7.78%
Revenue Next 3Y7.14%
Revenue Next 5Y7.93%

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 accelerating.
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

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3

4. Valuation

4.1 Price/Earnings Ratio

  • With a Price/Earnings ratio of 13.55, KDB is valued correctly.
  • Based on the Price/Earnings ratio, KDB is valued a bit more expensive than 72.07% of the companies in the same industry.
  • Compared to an average S&P500 Price/Earnings ratio of 26.68, KDB is valued a bit cheaper.
  • The Price/Forward Earnings ratio is 12.71, which indicates a correct valuation of KDB.
  • Based on the Price/Forward Earnings ratio, KDB is valued a bit more expensive than the industry average as 63.06% of the companies are valued more cheaply.
  • When comparing the Price/Forward Earnings ratio of KDB to the average of the S&P500 Index (28.06), we can say KDB is valued rather cheaply.
Industry RankSector Rank
PE 13.55
Fwd PE 12.71
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

  • 63.96% of the companies in the same industry are more expensive than KDB, based on the Price/Free Cash Flow ratio.
Industry RankSector Rank
P/FCF 16.29
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 high PEG Ratio(NY), which compensates the Price/Earnings for growth, indicates KDB does not grow enough to justify the current Price/Earnings ratio.
PEG (NY)3
PEG (5Y)1.85
EPS Next 2Y7.47%
EPS Next 3Y8.04%

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

4

5. Dividend

5.1 Amount

  • With a Yearly Dividend Yield of 2.44%, KDB has a reasonable but not impressive dividend return.
  • Compared to an average industry Dividend Yield of 4.35, KDB is paying slightly less dividend.
  • Compared to an average S&P500 Dividend Yield of 1.84, KDB pays a bit more dividend than the S&P500 average.
Industry RankSector Rank
Dividend Yield 2.44%

5.2 History

  • On average, the dividend of KDB grows each year by 6.61%, which is quite nice.
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 2Y7.47%
EPS Next 3Y8.04%
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 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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KBC GROUP NV

FRA:KDB (2/12/2026, 7:00:00 PM)

122.1

+6.7 (+5.81%)

Chartmill FA Rating
GICS SectorFinancials
GICS IndustryGroupBanks
GICS IndustryBanks
Earnings (Last)11-13
Earnings (Next)02-12
Inst Owners29.34%
Inst Owner ChangeN/A
Ins OwnersN/A
Ins Owner ChangeN/A
Market Cap50.98B
Revenue(TTM)13.84B
Net Income(TTM)3.58B
Analysts71.82
Price Target114.05 (-6.59%)
Short Float %N/A
Short RatioN/A
Dividend
Industry RankSector Rank
Dividend Yield 2.44%
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)0.46%
PT rev (3m)N/A
EPS NQ rev (1m)0.49%
EPS NQ rev (3m)N/A
EPS NY rev (1m)0.46%
EPS NY rev (3m)N/A
Revenue NQ rev (1m)0.22%
Revenue NQ rev (3m)N/A
Revenue NY rev (1m)0%
Revenue NY rev (3m)N/A
Valuation
Industry RankSector Rank
PE 13.55
Fwd PE 12.71
P/S 3.68
P/FCF 16.29
P/OCF 11.31
P/B 1.89
P/tB 2.1
EV/EBITDA N/A
EPS(TTM)9.01
EY7.38%
EPS(NY)9.61
Fwd EY7.87%
FCF(TTM)7.49
FCFY6.14%
OCF(TTM)10.8
OCFY8.84%
SpS33.14
BVpS64.56
TBVpS58.26
PEG (NY)3
PEG (5Y)1.85
Graham Number114.41
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)0.88%
ROA(5y)0.76%
ROE(3y)13.38%
ROE(5y)11.54%
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 3Y-1.86%
PM growth 5Y-0.07%
GM growth 3YN/A
GM growth 5YN/A
F-Score7
Asset Turnover0.04
Health
Industry RankSector Rank
Debt/Equity 1.72
Debt/FCF 14.81
Debt/EBITDA N/A
Cap/Depr 299.13%
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-Score7
WACC17.69%
ROIC/WACCN/A
Cap/Depr(3y)227.21%
Cap/Depr(5y)209.55%
Cap/Sales(3y)8.61%
Cap/Sales(5y)8.9%
Profit Quality(3y)N/A
Profit Quality(5y)N/A
High Growth Momentum
Growth
EPS 1Y (TTM)25.84%
EPS 3Y10.6%
EPS 5Y7.34%
EPS Q2Q%14.02%
EPS Next Y4.52%
EPS Next 2Y7.47%
EPS Next 3Y8.04%
EPS Next 5Y5.42%
Revenue 1Y (TTM)8.25%
Revenue growth 3Y11.18%
Revenue growth 5Y6.55%
Sales Q2Q%-8.04%
Revenue Next Year7.36%
Revenue Next 2Y7.78%
Revenue Next 3Y7.14%
Revenue Next 5Y7.93%
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 1Y138.5%
FCF growth 3Y-13.57%
FCF growth 5YN/A
OCF growth 1Y164.46%
OCF growth 3Y-11.16%
OCF growth 5YN/A

KBC GROUP NV / KDB.DE FAQ

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

ChartMill assigns a fundamental rating of 4 / 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.


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

KBC GROUP NV (KDB.DE) has a profitability rating of 4 / 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 4.52% in the next year.