KB Stock Analysis: KB Financial | NYSE
Banks - Regional | NYSE, USA | Market Cap: 39.759m USD | 12M Return: 54.5% | US48241A1051 | Charts, Fundamentals & Technical Analysis
Avg Turnover: 25.3M
EPS Trend: 17.2%
Qual. Beats: 0
Rev. Trend: 52.9%
Qual. Beats: 0
Warnings
Tailwinds
No distinct edge detected
Seasonality 11.6 years of data
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.
KB Financial Group Inc. is a South Korea-based financial holding company that provides a comprehensive range of banking and financial services to both consumers and corporations. The company operates across multiple business segments, including Retail Banking, Corporate Banking, Credit Card, Securities, Life Insurance, and Non-Life Insurance, serving clients in South Korea and several international markets such as the United States, New Zealand, China, Cambodia, the United Kingdom, and Indonesia. Its offerings span loans, deposits, investment banking, brokerage, insurance products, credit and card services, foreign exchange, leasing, microfinance, and various advisory and technology-related financial services.
Founded in 1963 and headquartered in Seoul, KB Financial Group is classified within the Diversified Banks sub-industry of the Financials sector, reflecting its broad, multi-line business model that combines traditional banking with securities, insurance, and consumer finance activities. As a large-cap holding company, it is one of South Koreas major financial conglomerates, with a diversified revenue base supported by both domestic retail and corporate clients as well as growing international operations.
- Bank of Korea rate cuts compress net interest margins
- Credit card segment drives consumer lending revenue growth
- Household debt regulations limit loan portfolio expansion
| 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 (10140b): 11.31 < 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) |
| 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 |
As of August 22, 2026, the stock is trading at USD 117.96 with a total of 180,787 shares traded. Over the past week, the price has changed by -1.66%, over one month by -1.11%, over three months by +13.18% and over the past year by +54.49%.
Current recommended Stop Loss: 113.30 (which is 4% or 1.4 ATR below the current price).
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
| Analysts Target Price | 178.2 | 51.1% |
Market Cap KRW = 55098b (39.8b USD * 1385.8 USD.KRW)
P/E Trailing = 9.4762
P/E Forward = 3.8491
P/S = 0.0023
P/B = 0.9469
P/EG = 0.7127
Revenue TTM = 52753b KRW
EBIT TTM = 9225b KRW
EBITDA TTM = 10140b KRW
Long Term Debt = 150778b KRW (from longTermDebt, last fiscal year)
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 = 169752b KRW (55098b + Debt 159272b - CCE 44618b)
Interest Coverage Ratio = 0.24 (Ebit TTM 9225b / Interest Expense TTM 37799b)
EV/FCF = -11.50x (Enterprise Value 169752b / FCF TTM -14758b)
FCF Yield = -8.69% (FCF TTM -14758b / Enterprise Value 169752b)
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 169752b / 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 = 11.31 (Net Debt 114653b / EBITDA 10140b)
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 = 4.40% (EBIT 9225b / Capital Employed (Equity 59111b + L.T.Debt 150778b))
RoIC = 1.12% (EBIT 9225b / (Assets 866889b - Curr.Liab 0.0 - Cash 44618b))
WACC = 14.90% (E(55098b)/V(214370b) * Re(9.24%) + D(159272b)/V(214370b) * Rd(23.73%) * (1-Tc(0.29)))
Discount Rate = 9.24% (= 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=+12.5%
EPS next Year (2027-12-31): EPS=20407.07 | Chg30d=+8.56% | Revisions=+25% | GrowthEPS=+7.1% | GrowthRev=+2.5%