Overview Dividends

(KB) KB Financial - Ratings and Ratios

Exchange: NYSE • Country: South Korea • Currency: USD • Type: Common Stock • ISIN: US48241A1051

Banking, Credit Card, Securities, Insurance

KB EPS (Earnings per Share)

EPS Growth (3Y CAGR): -37.60%
EPS Trend (3Y Correlation): 35.2%

KB Revenue

Revenue Growth (3Y CAGR): 29.06%
Revenue Trend (3Y Correlation): 44.2%

Risk via 10d forecast
Volatility	35.8%
Value at Risk 5%th	51.6%
Relative Tail Risk	-12.40%

Reward TTM
Sharpe Ratio	1.04
Alpha	29.21

Character TTM
Hurst Exponent	0.356
Beta	0.751
Beta Downside	0.431

Drawdowns 3y
Max DD	34.41%
Mean DD	11.33%
Median DD	10.86%

Description: KB KB Financial October 14, 2025

KB Financial Group Inc. (NYSE:KB) is a diversified South Korean financial conglomerate that delivers a full suite of banking, securities, and insurance services across retail, corporate, and specialized segments. Its operations span retail banking, corporate banking, credit cards, securities brokerage, life and non-life insurance, and a range of ancillary services such as foreign exchange, leasing, and fintech solutions, serving customers in South Korea and nine additional markets including the United States, China, and the United Kingdom.

Key performance indicators from the most recent fiscal year show a return on equity (ROE) of roughly 9.2%, a net profit of KRW 2.1 trillion, and a non-performing loan (NPL) ratio of 1.3%, reflecting relatively stable asset quality amid a tightening domestic credit environment. The group’s loan-to-deposit ratio sits near 92%, indicating a balanced funding profile, while its combined ratio for the insurance arm remains under 95%, signaling underwriting profitability.

Sector drivers that materially affect KB Financial include South Korea’s monetary policy trajectory-where the Bank of Korea’s incremental rate hikes are compressing net interest margins-and the ongoing digital transformation in banking, with KB investing heavily in AI-enabled mobile platforms to capture younger, tech-savvy customers. Additionally, exposure to the country’s residential real-estate market continues to be a risk factor, as elevated price levels could pressure mortgage quality if macro-economic conditions deteriorate.

For a deeper quantitative breakdown, the ValueRay platform offers granular metrics and scenario analyses that may be worth exploring.

KB Stock Overview

Market Cap in USD	30,777m
Sub-Industry	Diversified Banks
IPO / Inception	2001-11-12
Return 12m vs S&P 500	24.0%
Analyst Rating	5.0 of 5

KB Dividends

Dividend Yield	2.11%
Yield on Cost 5y	5.89%
Yield CAGR 5y	15.88%
Payout Consistency	79.4%
Payout Ratio	-

KB Growth Ratios

CAGR 3y	41.26%
CAGR/Max DD Calmar Ratio	1.20
CAGR/Mean DD Pain Ratio	3.64
Current Volume	175.4k
Average Volume	105.9k

Piotroski VR‑10 (Strict, 0-10) 3.0

Net Income (5732.57b TTM) > 0 and > 6% of Revenue (6% = 1541.19b TTM)

FCFTA -0.01 (>2.0%) and ΔFCFTA -2.21pp (YES ≥ +1.0pp, WARN ≥ +0.5pp)

NWC/Revenue -1257 % (prev -1223 %; Δ -33.91pp) (YES ≤20% & Δ≤-1pp; WARN ≤25% & Δ≤0 oder ≤40% & Δ≤-3pp)

CFO/TA -0.01 (>3.0%) and CFO -7979.22b <= Net Income 5732.57b (YES >=105%, WARN >=100%)

Net Debt (106090.20b) to EBITDA (7788.60b) ratio: 13.62 <= 3.0 (WARN <= 3.5)

Current Ratio 0.29 (target 1.5–3.0; WARN 1.2–<1.5 or >3.0–5.0; CFO/TA gate active)

Outstanding Shares last Quarter (369.0m) change vs 12m ago -6.18% (target <= -2.0% for YES)

Gross Margin 42.96% (prev 65.33%; Δ -22.37pp) >=18% & Δ>=+0.5pp (WARN >=15% & Δ>=0)

Asset Turnover 3.37% (prev 3.94%; Δ -0.56pp) >=50% & Δ>=+2pp (WARN >=35% & Δ>=0)

Interest Coverage Ratio 0.40 (EBITDA TTM 7788.60b / Interest Expense TTM 17167.74b) >= 6 (WARN >= 3)

Altman Z'' -2.44

(A) -0.41 = (Total Current Assets 129554.27b - Total Current Liabilities 452388.27b) / Total Assets 780622.66b

(B) 0.05 = Retained Earnings (Balance) 36688.91b / Total Assets 780622.66b

(D) 0.05 = Book Value of Equity 38502.58b / Total Liabilities 719668.71b

Total Rating: -2.44 = (6.56 * A) + (3.26 * B) + (6.72 * C) + (1.05 * D)

ValueRay F-Score (Strict, 0-100) 37.88

1. Piotroski 3.0pt = -2.0

2. FCF Yield -15.32% = -5.0

3. FCF Margin -33.14% = -7.50

4. Debt/Equity 2.37 = 0.20

5. Debt/Ebitda 13.62 = -2.50

6. ROIC - WACC (= -0.97)% = -1.22

7. RoE 9.84% = 0.82

8. Rev. Trend 44.20% = 3.31

9. EPS Trend 35.23% = 1.76

What is the price of KB shares?

As of November 16, 2025, the stock is trading at USD 89.03 with a total of 175,400 shares traded.
Over the past week, the price has changed by +5.45%, over one month by +13.00%, over three months by +8.73% and over the past year by +42.09%.

Is KB Financial a good stock to buy?

No, based on ValueRay´s Fundamental Analyses, KB Financial (NYSE:KB) is currently (November 2025) a stock to sell. It has a ValueRay Fundamental Rating of 37.88 and therefor a negative outlook according to the companies health.
Based on momentum, paid dividends and discounted-cash-flow analyses, the fair value of KB is around 109.94 USD . This means that KB is currently undervalued and has a potential upside of +23.49% (Margin of Safety).

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.

Strong Buy: 1
Buy: 0
Hold: 0
Sell: 0
Strong Sell: 0

What are the forecasts/targets for the KB price?

Issuer	Target	Up/Down from current
Wallstreet Target Price	102.2	14.8%
Analysts Target Price	102.2	14.8%
ValueRay Target Price	117.4	31.9%

KB Fundamental Data Overview November 06, 2025

Market Cap KRW = 44562.26b (30.78b USD * 1447.93 USD.KRW)
P/E Trailing = 8.143
P/E Forward = 3.8491
P/S = 0.0021
P/B = 0.7127
P/EG = 0.7127
Beta = 0.567
Revenue TTM = 25686.53b KRW
EBIT TTM = 6933.90b KRW
EBITDA TTM = 7788.60b KRW
Long Term Debt = 144041.28b KRW (from longTermDebt, last quarter)
Short Term Debt = 17421.95b KRW (from shortTermDebt, last quarter)
Debt = 140208.51b KRW (from shortLongTermDebtTotal, last quarter)
Net Debt = 106090.20b KRW (from netDebt column, last quarter)
Enterprise Value = 55560.63b KRW (44562.26b + Debt 140208.51b - CCE 129210.14b)
Interest Coverage Ratio = 0.40 (Ebit TTM 6933.90b / Interest Expense TTM 17167.74b)
FCF Yield = -15.32% (FCF TTM -8513.39b / Enterprise Value 55560.63b)
FCF Margin = -33.14% (FCF TTM -8513.39b / Revenue TTM 25686.53b)
Net Margin = 22.32% (Net Income TTM 5732.57b / Revenue TTM 25686.53b)
Gross Margin = 42.96% ((Revenue TTM 25686.53b - Cost of Revenue TTM 14652.48b) / Revenue TTM)
Gross Margin QoQ = 49.60% (prev 45.93%)
Tobins Q-Ratio = 0.07 (Enterprise Value 55560.63b / Total Assets 780622.66b)
Interest Expense / Debt = 2.98% (Interest Expense 4178.11b / Debt 140208.51b)
Taxrate = 25.42% (595.56b / 2343.14b)
NOPAT = 5171.49b (EBIT 6933.90b * (1 - 25.42%))
Current Ratio = 0.29 (Total Current Assets 129554.27b / Total Current Liabilities 452388.27b)
Debt / Equity = 2.37 (Debt 140208.51b / totalStockholderEquity, last quarter 59069.43b)
Debt / EBITDA = 13.62 (Net Debt 106090.20b / EBITDA 7788.60b)
Debt / FCF = -12.46 (negative FCF - burning cash) (Net Debt 106090.20b / FCF TTM -8513.39b)
Total Stockholder Equity = 58285.46b (last 4 quarters mean from totalStockholderEquity)
RoA = 0.73% (Net Income 5732.57b / Total Assets 780622.66b)
RoE = 9.84% (Net Income TTM 5732.57b / Total Stockholder Equity 58285.46b)
RoCE = 3.43% (EBIT 6933.90b / Capital Employed (Equity 58285.46b + L.T.Debt 144041.28b))
RoIC = 2.83% (NOPAT 5171.49b / Invested Capital 182792.82b)
WACC = 3.80% (E(44562.26b)/V(184770.78b) * Re(8.78%) + D(140208.51b)/V(184770.78b) * Rd(2.98%) * (1-Tc(0.25)))
Discount Rate = 8.78% (= CAPM, Blume Beta Adj.)
Shares Correlation 3-Years: -33.33 | Cagr: -1.28%
Fair Price DCF = unknown (Cash Flow -8513.39b)
EPS Correlation: 35.23 | EPS CAGR: -37.60% | SUE: -0.06 | # QB: 0
Revenue Correlation: 44.20 | Revenue CAGR: 29.06% | SUE: 0.82 | # QB: 0

Additional Sources for KB Stock

News: Wall Street Journal | Benzinga | Yahoo Finance
Tweets: X | Stocktwits
Fund Manager Positions: Dataroma | Stockcircle