KBC GROUP NV (KDB.DE) Stock Fundamental Analysis
Europe - Frankfurt Stock Exchange - FRA:KDB - BE0003565737 - Common Stock
115.4 EUR
+0.95 (+0.83%)
We assign a fundamental rating of 4 out of 10 to KDB. KDB was compared to 111 industry peers in the Banks industry. There are concerns on the financial health of KDB while its profitability can be described as average. KDB is valied quite expensively at the moment, while it does show a decent growth rate.
1. Profitability
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.
- Of the past 5 years KDB 4 years had a positive operating cash flow.
1.2 Ratios
- With a decent Return On Assets value of 0.93%, KDB is doing good in the industry, outperforming 60.36% of the companies in the same industry.
- KDB has a Return On Equity of 13.26%. This is in the better half of the industry: KDB outperforms 66.67% of its industry peers.
| Industry Rank | Sector 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
1.3 Margins
- KDB's Profit Margin of 25.84% is fine compared to the rest of the industry. KDB outperforms 63.96% 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 Rank | Sector 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
2. Health
2.1 Basic Checks
- KDB does not have a ROIC to compare to the WACC, probably because it is not profitable.
- Compared to 1 year ago, KDB has less shares outstanding
- The number of shares outstanding for KDB has been reduced compared to 5 years ago.
- KDB has a worse debt/assets ratio than last year.
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.
- KDB's Debt to FCF ratio of 14.81 is fine compared to the rest of the industry. KDB outperforms 74.77% of its industry peers.
- KDB has a Debt/Equity ratio of 1.72. This is a high value indicating a heavy dependency on external financing.
- The Debt to Equity ratio of KDB (1.72) is comparable to the rest of the industry.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Debt/Equity | 1.72 | ||
| Debt/FCF | 14.81 | ||
| Altman-Z | N/A |
ROIC/WACCN/A
WACC17.82%
2.3 Liquidity
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Current Ratio | N/A | ||
| Quick Ratio | N/A |
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.
- The Earnings Per Share has been growing slightly by 7.34% on average over the past years.
- Looking at the last year, KDB shows a quite strong growth in Revenue. The Revenue has grown by 8.25% in the last year.
- Measured over the past years, KDB shows a small growth in Revenue. The Revenue has been growing by 6.55% on average per year.
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.
- The Revenue is expected to grow by 7.93% on average over the next years.
EPS Next Y4.04%
EPS Next 2Y7%
EPS Next 3Y7.69%
EPS Next 5Y5.42%
Revenue Next Year7.36%
Revenue Next 2Y7.78%
Revenue Next 3Y7.14%
Revenue Next 5Y7.93%
3.3 Evolution
- The EPS growth rate is decreasing: in the next years the growth will be less than in the last years.
- The Revenue growth rate is accelerating: in the next years the growth will be better than in the last years.
4. Valuation
4.1 Price/Earnings Ratio
- KDB is valuated correctly with a Price/Earnings ratio of 12.81.
- Based on the Price/Earnings ratio, KDB is valued a bit more expensive than the industry average as 74.77% 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 27.32.
- With a Price/Forward Earnings ratio of 12.12, KDB is valued correctly.
- 69.37% of the companies in the same industry are cheaper than KDB, based on the Price/Forward Earnings ratio.
- KDB is valuated cheaply when we compare the Price/Forward Earnings ratio to 24.30, which is the current average of the S&P500 Index.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| PE | 12.81 | ||
| Fwd PE | 12.12 |
4.2 Price Multiples
- Based on the Price/Free Cash Flow ratio, KDB is valued a bit cheaper than 65.77% of the companies in the same industry.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| P/FCF | 15.4 | ||
| EV/EBITDA | N/A |
4.3 Compensation for Growth
- The high PEG Ratio(NY), which compensates the Price/Earnings for growth, indicates an expensive valuation of the company.
PEG (NY)3.17
PEG (5Y)1.75
EPS Next 2Y7%
EPS Next 3Y7.69%
5. Dividend
5.1 Amount
- KDB has a Yearly Dividend Yield of 2.47%.
- KDB's Dividend Yield is slightly below the industry average, which is at 4.03.
- Compared to an average S&P500 Dividend Yield of 1.86, KDB pays a bit more dividend than the S&P500 average.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Dividend Yield | 2.47% |
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
5.3 Sustainability
- KDB pays out 46.04% of its income as dividend. This is a bit on the high side, but may be sustainable.
- The dividend of KDB is growing, but the earnings are growing slower. This means the dividend growth is not sustainable.
DP46.04%
EPS Next 2Y7%
EPS Next 3Y7.69%
FRA:KDB (1/20/2026, 7:00:00 PM)
115.4
+0.95 (+0.83%)
Chartmill FA Rating
GICS SectorFinancials
GICS IndustryGroupBanks
GICS IndustryBanks
Earnings (Last)11-13 2025-11-13/bmo
Earnings (Next)02-12 2026-02-12/amc
Inst Owners29.34%
Inst Owner ChangeN/A
Ins OwnersN/A
Ins Owner ChangeN/A
Market Cap48.18B
Revenue(TTM)13.84B
Net Income(TTM)3.58B
Analysts71.82
Price Target114.05 (-1.17%)
Short Float %N/A
Short RatioN/A
Dividend
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Dividend Yield | 2.47% |
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%
EPS NQ rev (3m)N/A
EPS NY rev (1m)-0.07%
EPS NY rev (3m)N/A
Revenue NQ rev (1m)0%
Revenue NQ rev (3m)N/A
Revenue NY rev (1m)-0.02%
Revenue NY rev (3m)N/A
Valuation
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| PE | 12.81 | ||
| Fwd PE | 12.12 | ||
| P/S | 3.48 | ||
| P/FCF | 15.4 | ||
| P/OCF | 10.69 | ||
| P/B | 1.79 | ||
| P/tB | 1.98 | ||
| EV/EBITDA | N/A |
EPS(TTM)9.01
EY7.81%
EPS(NY)9.53
Fwd EY8.25%
FCF(TTM)7.49
FCFY6.49%
OCF(TTM)10.8
OCFY9.36%
SpS33.14
BVpS64.56
TBVpS58.26
PEG (NY)3.17
PEG (5Y)1.75
Graham Number114.41
Profitability
| Industry Rank | Sector 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 Rank | Sector 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
WACC17.82%
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 Y4.04%
EPS Next 2Y7%
EPS Next 3Y7.69%
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 4.04% in the next year.