KB Stock Analysis: KB Financial | NYSE

Deposits, Lending, Insurance, Securities

Total Rating 50

Safety 67

Buy Signal 0.16

Banks - Regional
Industry Rotation: +4.0

Market Cap: 44.7B
Avg Turnover: 18.8M

Risk 3d forecast

Volatility35.8%

VaR 5^th Pctl5.63%

VaR vs Median-4.25%

Reward TTM

Sharpe Ratio1.25

Rel. Str. IBD85.9

Rel. Str. Peer Group85.4

Character TTM

Beta0.906

Beta Downside0.672

Hurst Exponent0.503

Drawdowns 3y

Max DD34.41%

CAGR/Max DD1.45

CAGR/Mean DD6.41

EPS (Earnings per Share)

EPS CAGR: 5.60%
EPS Trend: 17.2%

Last SUE: 0.00
Qual. Beats: 0

Revenue

Rev. CAGR: 13.92%
Rev. Trend: 52.9%

Last SUE: 0.64
Qual. Beats: 0

Warnings

Below Avwap Earnings

Tailwinds

Rs Leader

Seasonality 11.7 years of data

Jan +3.7% 24

Feb -3.8% 29

Mar -2.0% 21

Apr +2.1% 21

May -0.9% 5

Jun +1.2% 8

Jul +4.3% 9

Aug -1.2% 30

Sep -0.2% 16

Oct +1.1% 14

Nov +2.9% 29

Dec +1.2% 24

How good or bad each month usually is (without trend). The score below shows how much you can trust it: 0 = pure chance, >40 gets interesting and >55 is strong.

Description: KB KB Financial

KB Financial Group Inc. (NYSE: KB) is a South Korea-based financial holding company founded in 1963 and headquartered in Seoul. It operates across South Korea, the United States, New Zealand, China, Cambodia, the United Kingdom, Indonesia, and other international markets, offering a full suite of banking, brokerage, insurance, and consumer finance services through its subsidiaries.

The companys core banking activities span deposit products (demand, time, savings, and foreign currency deposits), mortgage and home equity loans, consumer and corporate lending, credit and debit cards, and trade-related services such as import/export financing and syndicated loans. Its capital markets operations include securities underwriting, M&A advisory, project finance for infrastructure (highways, ports, power, water), real estate development financing, and structured finance, along with brokerage services for equities, derivatives, and debt instruments.

Beyond banking, KB Financial offers life and property/casualty insurance products (including annuities and health coverage), bancassurance distribution, consumer finance, mortgage and construction lending, real estate trust management, capital investment, and software advisory and development services. The company is classified under the GICS Diversified Banks sub-industry, reflecting its holding-company structure in which a parent entity oversees separately regulated banking, securities, and insurance subsidiaries-a common model among Korean financial groups that allows cross-selling through integrated branch networks.

Headlines to Watch Out For

Bank of Korea rate cuts pressure net interest margins
FSC household debt curbs weigh on mortgage loan growth
KB Insurance and card fees offset banking margin weakness

Piotroski VR-10 (Strict) 3.0

Net Income: 6310b TTM > 0 and > 6% of Revenue
FCF/TA: -0.02 > 0.02 and ΔFCF/TA -0.61 > 1.0
NWC/Revenue: 38.63% < 20% (prev -1.01k%; Δ 1.05k% < -1%)
CFO/TA -0.02 > 3% & CFO -14377b > Net Income 6310b
Net Debt (114653b) to EBITDA (10125b): 11.32 < 3
Current Ratio: error (cannot be calculated; needs correct Total Current Assets and Liabilities)
Outstanding Shares: last quarter (357.9m) vs 12m ago -3.01% < -2%
Gross Margin: 52.26% > 18% (prev 38.04%; Δ 14.22% > 0.5%)
Asset Turnover: 6.40% > 50% (prev 4.07%; Δ 2.33% > 0%)
Interest Coverage Ratio: 0.24 > 6 (EBIT TTM 9225b / Interest Expense TTM 37799b)

Altman Z'' 0.48

A: 0.02 (Total Current Assets 20378b - Total Current Liabilities 0.0) / Total Assets 866889b
B: 0.05 (Retained Earnings 46129b / Total Assets 866889b)
C: 0.01 (EBIT TTM 9225b / Avg Total Assets 823756b)
D: 0.08 (Book Value of Equity 60891b / Total Liabilities 804188b)
Altman-Z'' = 0.48 = B

What is the price of KB shares?

As of October 06, 2026, the stock is trading at USD 124.75 with a total of 149,536 shares traded. Over the past week, the price has changed by -1.90%, over one month by -3.63%, over three months by +10.26% and over the past year by +53.98%.

Current recommended Stop Loss: 118.80 (which is 4.8% or 1.9 ATR below the current price).

Is KB a buy, sell or hold?

KB Financial has received a consensus analysts rating of 5.00. Therefore, it is recommended to buy KB.

StrongBuy: 1
Buy: 0
Hold: 0
Sell: 0
StrongSell: 0

What are the forecasts/targets for the KB price?

Analysts Target Price	182.2	46%

KB Financial (KB) - Fundamental Data Overview as of 29 September 2026

Market Cap USD = 44.7b (44.7b USD * 1.0 USD.USD)
Market Cap KRW = 59958b (44.7b USD * 1341.9 USD.KRW)
P/E Trailing = 10.3128
P/E Forward = 3.8491
P/S = 0.0026
P/B = 1.0334
P/EG = 0.7127
Revenue TTM = 52753b KRW
EBIT TTM = 9225b KRW
EBITDA TTM = 10125b KRW
Long Term Debt = 140388b KRW (from longTermDebt, last quarter)
Short Term Debt = 100391b KRW (from shortTermDebt, two quarters ago)
Debt = 159272b KRW (from shortLongTermDebtTotal, last quarter) + Leases 901b
Net Debt = 114653b KRW (calculated: Debt 159272b - CCE 44618b)
Enterprise Value = 174612b KRW (59958b + Debt 159272b - CCE 44618b)
Interest Coverage Ratio = 0.24 (Ebit TTM 9225b / Interest Expense TTM 37799b)
EV/FCF = -11.83x (Enterprise Value 174612b / FCF TTM -14758b)
FCF Yield = -8.45% (FCF TTM -14758b / Enterprise Value 174612b)
FCF Margin = -27.98% (FCF TTM -14758b / Revenue TTM 52753b)
Net Margin = 11.96% (Net Income TTM 6310b / Revenue TTM 52753b)
Gross Margin = 52.26% ((Revenue TTM 52753b - Cost of Revenue TTM 25186b) / Revenue TTM)
Gross Margin QoQ = 59.19% (prev 54.95%)
Tobins Q-Ratio = 0.20 (Enterprise Value 174612b / Total Assets 866889b)
Interest Expense / Debt = 23.73% (Interest Expense 37799b / Debt 159272b)
Taxrate = 28.95% (2580b / 8911b)
NOPAT = 6554b (EBIT 9225b * (1 - 28.95%))
Current Ratio = unknown (Total Current Assets 20378b / Total Current Liabilities 0.0)
Debt / Equity = 2.62 (Debt 159272b / totalStockholderEquity, last quarter 60891b)
Debt / EBITDA = 11.32 (Net Debt 114653b / EBITDA 10125b)
Debt / FCF = -7.77 (negative FCF - burning cash) (Net Debt 114653b / FCF TTM -14758b)
Total Stockholder Equity = 59111b (last 4 quarters mean from totalStockholderEquity)
RoA = 0.77% (Net Income 6310b / Total Assets 866889b)
RoE = 10.68% (Net Income TTM 6310b / Total Stockholder Equity 59111b)
RoCE = 4.62% (EBIT 9225b / Capital Employed (Equity 59111b + L.T.Debt 140388b))
RoIC = 1.12% (EBIT 9225b / (Assets 866889b - Curr.Liab 0.0 - Cash 44618b))
WACC = 14.76% (E(59958b)/V(219230b) * Re(9.17%) + D(159272b)/V(219230b) * Rd(23.73%) * (1-Tc(0.29)))
Discount Rate = 9.17% (= CAPM, Blume Beta Adj.)
Shares (quarterly) Correlation: -79.80 | Cagr: -4.10%
[DCF] Fair Price = unknown (Cash Flow -14758b)
EPS Correlation: 17.18 | EPS CAGR: 5.60% | SUE: -0.00 | # QB: 0
Revenue Correlation: 52.90 | Revenue CAGR: 13.92% | SUE: 0.64 | # QB: 0
EPS current Quarter (2026-09-30): EPS=5322.08 | Chg30d=+7.48% | Revisions=+25% | Analysts=1
EPS current Year (2026-12-31): EPS=19046.76 | Chg30d=+10.28% | Revisions=+25% | GrowthEPS=+23.4% | GrowthRev=+12.4%
EPS next Year (2027-12-31): EPS=20407.07 | Chg30d=+8.56% | Revisions=+25% | GrowthEPS=+7.1% | GrowthRev=+2.7%