(KB) KB Financial - Ratings and Ratios
Banking, Insurance, Investments, Loans, CreditCard
KB EPS (Earnings per Share)
KB Revenue
Description: KB KB Financial
KB Financial Group Inc. is a diversified banking institution operating in multiple countries, including South Korea, the United States, and several others in Asia and beyond. The company provides a wide range of financial services, including retail and corporate banking, credit card services, securities, life insurance, and non-life insurance products.
The companys diverse business segments enable it to cater to various customer needs, from individual households to large corporations. Its product offerings include loans, deposit products, investment banking, brokerage services, and various insurance products. Additionally, KB Financial Group is involved in securities and derivatives trading, foreign exchange transactions, and other financial services such as financial leasing and real estate trust management.
To evaluate the companys performance, key performance indicators (KPIs) such as Return on Equity (RoE) of 10.13% and a Price-to-Earnings (P/E) ratio of 8.00 can be considered. The companys forward P/E ratio is 3.85, indicating potential for future growth. With a market capitalization of $31.2 billion USD, KB Financial Group is a significant player in the financial services industry. Its diversified business model and presence in multiple markets contribute to its stability and growth prospects.
Further analysis of the companys KPIs, such as its efficiency ratio, net interest margin, and asset quality, could provide more insights into its operational performance. The companys ability to maintain a strong capital adequacy ratio and manage its risk exposure is also crucial in assessing its long-term sustainability. A review of its managements track record and corporate governance practices can also offer valuable insights into the companys potential for future success.
KB Stock Overview
| Market Cap in USD | 31,220m |
| Sub-Industry | Diversified Banks |
| IPO / Inception | 2001-11-12 |
KB Stock Ratings
| Growth Rating | 79.5% |
| Fundamental | 56.7% |
| Dividend Rating | 62.1% |
| Return 12m vs S&P 500 | 21.7% |
| Analyst Rating | 5.0 of 5 |
KB Dividends
| Dividend Yield 12m | 3.27% |
| Yield on Cost 5y | 9.96% |
| Annual Growth 5y | 12.52% |
| Payout Consistency | 81.0% |
| Payout Ratio | 0.0% |
KB Growth Ratios
| Growth Correlation 3m | -11% |
| Growth Correlation 12m | 54.5% |
| Growth Correlation 5y | 69.4% |
| CAGR 5y | 42.44% |
| CAGR/Max DD 3y | 1.23 |
| CAGR/Mean DD 3y | 3.93 |
| Sharpe Ratio 12m | 0.51 |
| Alpha | 0.03 |
| Beta | 0.975 |
| Volatility | 36.96% |
| Current Volume | 133.9k |
| Average Volume 20d | 124.1k |
| Stop Loss | 83 (-3%) |
| Signal | 0.97 |
Piotroski VR‑10 (Strict, 0-10) 3.0
| Net Income (5732.57b TTM) > 0 and > 6% of Revenue (6% = 1541.19b TTM) |
| FCFTA 0.00 (>2.0%) and ΔFCFTA -0.68pp (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 99.82%; Δ -56.87pp) >=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 |
| (C) 0.01 = EBIT TTM 6933.90b / Avg Total Assets 761427.49b |
| (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) 56.68
| 1. Piotroski 3.0pt = -2.0 |
| 2. FCF Yield 4.49% = 2.25 |
| 3. FCF Margin 13.21% = 3.30 |
| 4. Debt/Equity 2.73 = -0.37 |
| 5. Debt/Ebitda 20.73 = -2.50 |
| 6. ROIC - WACC (= -0.77)% = -0.96 |
| 7. RoE 9.84% = 0.82 |
| 8. Rev. Trend 44.20% = 3.31 |
| 9. EPS Trend 56.41% = 2.82 |
What is the price of KB shares?
Over the past week, the price has changed by +1.07%, over one month by +9.34%, over three months by +10.40% and over the past year by +44.20%.
Is KB Financial a good stock to buy?
Based on momentum, paid dividends and discounted-cash-flow analyses, the fair value of KB is around 105.64 USD . This means that KB is currently undervalued and has a potential upside of +23.45% (Margin of Safety).
Is KB a buy, sell or hold?
- 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 | 104 | 21.5% |
| Analysts Target Price | 104 | 21.5% |
| ValueRay Target Price | 112.5 | 31.5% |
Last update: 2025-09-15 04:39
KB Fundamental Data Overview
CCE Cash And Equivalents = 129210.14b KRW (Cash And Short Term Investments, last quarter)
P/E Trailing = 8.0481
P/E Forward = 3.8491
P/S = 0.0021
P/B = 0.7313
P/EG = 0.7127
Beta = 0.618
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 = 161463.23b KRW (Calculated: Short Term 17421.95b + Long Term 144041.28b)
Net Debt = 106090.20b KRW (from netDebt column, last quarter)
Enterprise Value = 75512.16b KRW (43259.07b + Debt 161463.23b - CCE 129210.14b)
Interest Coverage Ratio = 0.40 (Ebit TTM 6933.90b / Interest Expense TTM 17167.74b)
FCF Yield = 4.49% (FCF TTM 3393.28b / Enterprise Value 75512.16b)
FCF Margin = 13.21% (FCF TTM 3393.28b / 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)
Tobins Q-Ratio = 1.96 (Enterprise Value 75512.16b / Book Value Of Equity 38502.58b)
Interest Expense / Debt = 2.59% (Interest Expense 4178.11b / Debt 161463.23b)
Taxrate = 28.01% (1956.64b / 6985.25b)
NOPAT = 4991.64b (EBIT 6933.90b * (1 - 28.01%))
Current Ratio = 0.29 (Total Current Assets 129554.27b / Total Current Liabilities 452388.27b)
Debt / Equity = 2.73 (Debt 161463.23b / last Quarter total Stockholder Equity 59069.43b)
Debt / EBITDA = 20.73 (Net Debt 106090.20b / EBITDA 7788.60b)
Debt / FCF = 47.58 (Debt 161463.23b / FCF TTM 3393.28b)
Total Stockholder Equity = 58285.46b (last 4 quarters mean)
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 / (Equity 58285.46b + L.T.Debt 144041.28b))
RoIC = 2.73% (NOPAT 4991.64b / Invested Capital 182792.82b)
WACC = 3.50% (E(43259.07b)/V(204722.30b) * Re(9.61%)) + (D(161463.23b)/V(204722.30b) * Rd(2.59%) * (1-Tc(0.28)))
Shares Correlation 3-Years: -71.76 | Cagr: -0.70%
Discount Rate = 9.61% (= CAPM, Blume Beta Adj.)
[DCF Debug] Terminal Value 63.72% ; FCFE base≈5359.09b ; Y1≈3518.49b ; Y5≈1609.02b
Fair Price DCF = 68.3k (DCF Value 24871.17b / Shares Outstanding 364.2m; 5y FCF grow -40.0% → 3.0% )
EPS Correlation: 56.41 | EPS CAGR: 14.60% | SUE: 0.01 | # QB: 0
Revenue Correlation: 44.20 | Revenue CAGR: 29.06% | SUE: 1.73 | # QB: 2
Additional Sources for KB Stock
Tweets: X | Stocktwits
Fund Manager Positions: Dataroma | Stockcircle