(KB) KB Financial - Overview

Sector: Financial Services | Industry: Banks - Regional | Exchange: NYSE (USA) | Market Cap: 35.890m USD | Total Return: 113.2% in 12m

Banking, Insurance, Credit Cards, Securities, Investments
Total Rating 63
Safety 92
Buy Signal 1.04
Banks - Regional
Industry Rotation: +14.6
Market Cap: 35.9B
Avg Turnover: 24.6M USD
ATR: 3.38%
Peers RS (IBD): 93.5
Risk 5d forecast
Volatility43.5%
Rel. Tail Risk-15.7%
Reward TTM
Sharpe Ratio2.36
Alpha82.91
Character TTM
Beta1.052
Beta Downside0.802
Drawdowns 3y
Max DD34.41%
CAGR/Max DD1.43
EPS (Earnings per Share) EPS (Earnings per Share) of KB over the last years for every Quarter: "2021-03": 2.88, "2021-06": 2.62, "2021-09": 2.75, "2021-12": 1.32, "2022-03": 2.98, "2022-06": 2.54, "2022-09": 2.31, "2022-12": 0.78, "2023-03": 2.98, "2023-06": 2.89, "2023-09": 2.57, "2023-12": 0.48, "2024-03": 1.94, "2024-06": 3.21, "2024-09": 3.02, "2024-12": 1558, "2025-03": 4384, "2025-06": 3.36, "2025-09": 3.18, "2025-12": 2034, "2026-03": 0,
EPS CAGR: -45.37%
EPS Trend: 39.5%
Last SUE: 0.00
Qual. Beats: 0
Revenue Revenue of KB over the last years for every Quarter: 2021-03: 5380684, 2021-06: 5054042, 2021-09: 5330973, 2021-12: 4285295, 2022-03: 5818170, 2022-06: 5851377, 2022-09: 6088884, 2022-12: 9736.823, 2023-03: 9091081, 2023-06: 8876001, 2023-09: 8887776, 2023-12: 12416560, 2024-03: 9652507, 2024-06: 9557314, 2024-09: 9584262, 2024-12: 3120146, 2025-03: 9513689, 2025-06: 9590564, 2025-09: 8894951, 2025-12: 22687168, 2026-03: null,
Rev. CAGR: 43.75%
Rev. Trend: 32.3%
Last SUE: 3.05
Qual. Beats: 1

Warnings

No concerns identified

Tailwinds

No distinct edge detected

Description: KB KB Financial

KB Financial Group Inc. is a South Korean diversified financial services company. It offers banking, credit card, securities, and insurance products globally, with a significant presence in South Korea.

The companys business model spans retail and corporate banking, providing loans and deposit products to a wide range of customers. Diversified banks often generate revenue from both interest-based lending and fee-based services.

KB Financial Group also operates in the insurance sector, offering both life and non-life insurance products. The insurance industry is characterized by managing risk through underwriting and investing premiums.

Further exploration of KB Financial Groups detailed financial performance and market position can be found on ValueRay.

Headlines to Watch Out For
  • South Korean interest rate changes impact net interest margin
  • Global economic slowdown affects loan demand and credit quality
  • Regulatory changes in financial services sector pose compliance risks
  • Insurance underwriting performance influences profitability
  • International expansion drives new revenue streams
Piotroski VR‑10 (Strict) 3.0
Net Income: 5842.97b TTM > 0 and > 6% of Revenue
FCF/TA: -0.01 > 0.02 and ΔFCF/TA -0.51 > 1.0
NWC/Revenue: -657.8% < 20% (prev 55.12%; Δ -712.9% < -1%)
CFO/TA -0.01 > 3% & CFO -8091.48b > Net Income 5842.97b
Net Debt (165105.08b) to EBITDA (9206.42b): 17.93 < 3
Current Ratio: 0.27 > 1.5 & < 3
Outstanding Shares: last quarter (382.2m) vs 12m ago 0.79% < -2%
Gross Margin: 49.06% > 18% (prev 0.54%; Δ 4.85k% > 0.5%)
Asset Turnover: 6.52% > 50% (prev 4.21%; Δ 2.30% > 0%)
Interest Coverage Ratio: 0.53 > 6 (EBITDA TTM 9206.42b / Interest Expense TTM 13073.09b)
Altman Z'' -2.38
A: -0.42 (Total Current Assets 121918.52b - Total Current Liabilities 455317.33b) / Total Assets 797923.03b
B: 0.05 (Retained Earnings 38343.55b / Total Assets 797923.03b)
C: 0.01 (EBIT TTM 6911.18b / Avg Total Assets 777884.28b)
D: 0.14 (Book Value of Equity 100016.40b / Total Liabilities 734692.11b)
Altman-Z'' Score: -2.38 = D
What is the price of KB shares? As of April 10, 2026, the stock is trading at USD 107.46 with a total of 311,248 shares traded.
Over the past week, the price has changed by +7.89%, over one month by +4.76%, over three months by +22.59% and over the past year by +113.23%.
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 124.8 16.2%
KB Financial (KB) - Fundamental Data Overview as of 07 April 2026
P/E Trailing = 9.8225
P/E Forward = 3.8491
P/S = 0.0023
P/B = 0.9105
P/EG = 0.7127
Revenue TTM = 50686.37b USD
EBIT TTM = 6911.18b USD
EBITDA TTM = 9206.42b USD
Long Term Debt = 150777.67b USD (from longTermDebt, last quarter)
Short Term Debt = 14327.42b USD (from shortTermDebt, two quarters ago)
Debt = 165105.08b USD (corrected: LT Debt 150777.67b + ST Debt 14327.42b)
Net Debt = 165105.08b USD (using Total Debt 165105.08b, CCE unavailable)
Enterprise Value = 165140.97b USD (35.89b + Debt 165105.08b - (null CCE))
Interest Coverage Ratio = 0.53 (Ebit TTM 6911.18b / Interest Expense TTM 13073.09b)
EV/FCF = -19.71x (Enterprise Value 165140.97b / FCF TTM -8380.61b)
FCF Yield = -5.07% (FCF TTM -8380.61b / Enterprise Value 165140.97b)
FCF Margin = -16.53% (FCF TTM -8380.61b / Revenue TTM 50686.37b)
Net Margin = 11.53% (Net Income TTM 5842.97b / Revenue TTM 50686.37b)
Gross Margin = 49.06% ((Revenue TTM 50686.37b - Cost of Revenue TTM 25821.50b) / Revenue TTM)
Gross Margin QoQ = 47.47% (prev 52.52%)
Tobins Q-Ratio = 0.21 (Enterprise Value 165140.97b / Total Assets 797923.03b)
Interest Expense / Debt = 0.51% (Interest Expense 843.42b / Debt 165105.08b)
Taxrate = 41.77% (536.90b / 1285.50b)
NOPAT = 4024.65b (EBIT 6911.18b * (1 - 41.77%))
Current Ratio = 0.27 (Total Current Assets 121918.52b / Total Current Liabilities 455317.33b)
Debt / Equity = 2.69 (Debt 165105.08b / totalStockholderEquity, last quarter 61371.09b)
Debt / EBITDA = 17.93 (Net Debt 165105.08b / EBITDA 9206.42b)
 Debt / FCF = -19.70 (negative FCF - burning cash) (Net Debt 165105.08b / FCF TTM -8380.61b)
 Total Stockholder Equity = 59564.44b (last 4 quarters mean from totalStockholderEquity)
RoA = 0.75% (Net Income 5842.97b / Total Assets 797923.03b)
RoE = 9.81% (Net Income TTM 5842.97b / Total Stockholder Equity 59564.44b)
RoCE = 3.29% (EBIT 6911.18b / Capital Employed (Equity 59564.44b + L.T.Debt 150777.67b))
RoIC = 2.18% (NOPAT 4024.65b / Invested Capital 184270.74b)
WACC = 0.30% (E(35.89b)/V(165140.97b) * Re(9.68%) + D(165105.08b)/V(165140.97b) * Rd(0.51%) * (1-Tc(0.42)))
Discount Rate = 9.68% (= CAPM, Blume Beta Adj.)
Shares Correlation 3-Years: 100.0 | Cagr: 0.47%
 [DCF] Fair Price = unknown (Cash Flow -8380.61b)
 EPS Correlation: 39.54 | EPS CAGR: -45.37% | SUE: -0.00 | # QB: 0
Revenue Correlation: 32.33 | Revenue CAGR: 43.75% | SUE: 3.05 | # QB: 1
EPS current Year (2026-12-31): EPS=17052.03 | Chg7d=-281.413 | Chg30d=+549.997 | Revisions Net=+1 | Growth EPS=+10.5% | Growth Revenue=+7.5%
External Resources
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