(KB) KB Financial - NYSE
Sector: Financial Services | Industry: Banks - Regional | Exchange: NYSE (USA) | Market Cap: 38.235m USD | Total Return: 41.4% in 12m
Avg Turnover: 22.7M
EPS Trend: 57.8%
Qual. Beats: 0
Rev. Trend: 49.9%
Qual. Beats: 0
Warnings
No concerns identified
Tailwinds
No distinct edge detected
KB Financial Group Inc. is a South Korean financial services holding company that operates a comprehensive suite of banking, insurance, and investment segments. Its business model centers on a universal banking strategy, integrating retail and corporate banking with specialized divisions for credit cards, securities brokerage, and life and non-life insurance. In addition to its domestic dominance, the firm maintains an international footprint across Asia, North America, and Europe.
The company operates within the Diversified Banks sub-industry, where revenue is typically driven by net interest margins on loans and non-interest income from asset management and advisory fees. As a major financial institution in South Korea, KB Financial is subject to the regulatory oversight of the Financial Services Commission, which influences capital adequacy requirements and dividend policies. Investors may find additional insights into these regulatory impacts and valuation metrics by visiting ValueRay.
Founded in 1963 and headquartered in Seoul, KB Financial Group also engages in secondary activities including real estate trust management, microfinance, and financial leasing. This diversified structure allows the firm to capture value across the entire credit cycle while mitigating sector-specific volatility through its broad insurance and capital markets exposure.
- South Korean interest rate policy dictates net interest margin and lending profitability
- Household debt levels in South Korea influence credit quality and loan growth
- Digital transformation initiatives drive operational efficiency and lower cost-to-income ratios
- Non-banking segment diversification mitigates earnings volatility from core retail banking operations
- South Korean government regulatory oversight impacts dividend payouts and capital allocation strategies
| Net Income: 6119b TTM > 0 and > 6% of Revenue |
| FCF/TA: -0.00 > 0.02 and ΔFCF/TA 1.22 > 1.0 |
| NWC/Revenue: -182.3% < 20% (prev -996.3%; Δ 814.0% < -1%) |
| CFO/TA -0.00 > 3% & CFO -3742b > Net Income 6119b |
| Net Debt (133992b) to EBITDA (9841b): 13.62 < 3 |
| Current Ratio: 0.20 > 1.5 & < 3 |
| Outstanding Shares: last quarter (377.6m) vs 12m ago 0.47% < -2% |
| Gross Margin: 41.16% > 18% (prev 37.97%; Δ 3.18% > 0.5%) |
| Asset Turnover: 5.53% > 50% (prev 4.12%; Δ 1.40% > 0%) |
| Interest Coverage Ratio: 0.70 > 6 (EBIT TTM 8934b / Interest Expense TTM 12705b) |
| A: -0.10 (Total Current Assets 20378b - Total Current Liabilities 100391b) / Total Assets 817611b |
| B: 0.05 (Retained Earnings 42973b / Total Assets 817611b) |
| C: 0.01 (EBIT TTM 8934b / Avg Total Assets 793969b) |
| D: 0.07 (Book Value of Equity 54599b / Total Liabilities 761248b) |
| Altman-Z'' = -0.32 = B |
As of June 15, 2026, the stock is trading at USD 107.80 with a total of 155,223 shares traded.
Over the past week, the price has changed by -0.10%,
over one month by +3.97%,
over three months by +8.98% and
over the past year by +41.42%.
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 | 128.4 | 19.1% |
P/E Trailing = 10.2765
P/E Forward = 3.8491
P/S = 0.0023
P/B = 0.983
P/EG = 0.7127
Revenue TTM = 43883b USD
EBIT TTM = 8934b USD
EBITDA TTM = 9841b USD
Long Term Debt = 133754b USD (from longTermDebt, last quarter)
Short Term Debt = 100391b USD (from shortTermDebt, last quarter)
Debt = 154370b USD (from shortLongTermDebtTotal, last quarter) + Leases 901b
Net Debt = 133992b USD (calculated: Debt 154370b - CCE 20378b)
Enterprise Value = 134030b USD (38.2b + Debt 154370b - CCE 20378b)
Interest Coverage Ratio = 0.70 (Ebit TTM 8934b / Interest Expense TTM 12705b)
EV/FCF = -144.6x (Enterprise Value 134030b / FCF TTM -927b)
FCF Yield = -0.69% (FCF TTM -927b / Enterprise Value 134030b)
FCF Margin = -2.11% (FCF TTM -927b / Revenue TTM 43883b)
Net Margin = 13.95% (Net Income TTM 6119b / Revenue TTM 43883b)
Gross Margin = 41.16% ((Revenue TTM 43883b - Cost of Revenue TTM 25822b) / Revenue TTM)
Gross Margin QoQ = none% (prev 47.47%)
Tobins Q-Ratio = 0.16 (Enterprise Value 134030b / Total Assets 817611b)
Interest Expense / Debt = 8.23% (Interest Expense 12705b / Debt 154370b)
Taxrate = 28.78% (2475b / 8600b)
NOPAT = 6363b (EBIT 8934b * (1 - 28.78%))
Current Ratio = 0.20 (Total Current Assets 20378b / Total Current Liabilities 100391b)
Debt / Equity = 2.83 (Debt 154370b / totalStockholderEquity, last quarter 54599b)
Debt / EBITDA = 13.62 (Net Debt 133992b / EBITDA 9841b)
Debt / FCF = -144.6 (out of range, set to none) (Net Debt 133992b / FCF TTM -927b)
Total Stockholder Equity = 58655b (last 4 quarters mean from totalStockholderEquity)
RoA = 0.77% (Net Income 6119b / Total Assets 817611b)
RoE = 10.43% (Net Income TTM 6119b / Total Stockholder Equity 58655b)
RoCE = 4.64% (EBIT 8934b / Capital Employed (Equity 58655b + L.T.Debt 133754b))
RoIC = 0.78% (NOPAT 6363b / Invested Capital 815417b)
WACC = 5.86% (E(38.2b)/V(154408b) * Re(9.53%) + D(154370b)/V(154408b) * Rd(8.23%) * (1-Tc(0.29)))
Discount Rate = 9.53% (= CAPM, Blume Beta Adj.)
Shares (quarterly) Correlation: -44.95 | Cagr: -0.13%
[DCF] Fair Price = unknown (Cash Flow -927b)
EPS Correlation: 57.79 | EPS CAGR: 16.44% | SUE: 0.00 | # QB: 0
Revenue Correlation: 49.94 | Revenue CAGR: 12.76% | SUE: -0.19 | # QB: 0
EPS current Quarter (2026-06-30): EPS=4504.36 | Chg30d=N/A | Revisions=N/A | Analysts=1
EPS next Quarter (2026-09-30): EPS=4951.68 | Chg30d=N/A | Revisions=N/A | Analysts=1
EPS current Year (2026-12-31): EPS=17270.56 | Chg30d=+2.14% | Revisions=+20% | GrowthEPS=+11.9% | GrowthRev=+10.2%
EPS next Year (2027-12-31): EPS=18797.22 | Chg30d=N/A | Revisions=N/A | GrowthEPS=+8.8% | GrowthRev=+2.4%