KB Stock Analysis: KB Financial | NYSE
Banks - Regional | NYSE, USA | Market Cap: 42.431m USD | 12M Return: 55.1% | Charts, Fundamentals & Technical Analysis
Avg Turnover: 35.9M
EPS Trend: 57.8%
Qual. Beats: 0
Rev. Trend: 49.9%
Qual. Beats: 0
Warnings
No concerns identified
Tailwinds
No distinct edge detected
Seasonality 10.5 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: 6119b TTM > 0 and > 6% of Revenue |
| FCF/TA: -0.00 > 0.02 and ΔFCF/TA 1.02 > 1.0 |
| NWC/Revenue: -182.3% < 20% (prev -996.3%; Δ 814.0% < -1%) |
| CFO/TA -0.00 > 3% & CFO -2117b > 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 July 28, 2026, the stock is trading at USD 118.22 with a total of 195,562 shares traded. Over the past week, the price has changed by +2.59%, over one month by +16.70%, over three months by +11.35% and over the past year by +55.07%.
Current recommended Stop Loss: 112.50 (which is 4.8% or 1.5 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 | 170.7 | 44.4% |
Market Cap KRW = 61971b (42.4b USD * 1460.5 USD.KRW)
P/E Trailing = 10.9764
P/E Forward = 3.8491
P/S = 0.0026
P/B = 1.0393
P/EG = 0.7127
Revenue TTM = 43883b KRW
EBIT TTM = 8934b KRW
EBITDA TTM = 9841b KRW
Long Term Debt = 133754b KRW (from longTermDebt, last quarter)
Short Term Debt = 100391b KRW (from shortTermDebt, last quarter)
Debt = 154370b KRW (from shortLongTermDebtTotal, last quarter) + Leases 901b
Net Debt = 133992b KRW (calculated: Debt 154370b - CCE 20378b)
Enterprise Value = 195963b KRW (61971b + Debt 154370b - CCE 20378b)
Interest Coverage Ratio = 0.70 (Ebit TTM 8934b / Interest Expense TTM 12705b)
EV/FCF = -77.14x (Enterprise Value 195963b / FCF TTM -2540b)
FCF Yield = -1.30% (FCF TTM -2540b / Enterprise Value 195963b)
FCF Margin = -5.79% (FCF TTM -2540b / 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 = 0.24 (Enterprise Value 195963b / 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 = -52.74 (negative FCF - burning cash) (Net Debt 133992b / FCF TTM -2540b)
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 = 6.89% (E(61971b)/V(216340b) * Re(9.44%) + D(154370b)/V(216340b) * Rd(8.23%) * (1-Tc(0.29)))
Discount Rate = 9.44% (= CAPM, Blume Beta Adj.)
Shares (quarterly) Correlation: -56.62 | Cagr: -0.13%
[DCF] Fair Price = unknown (Cash Flow -2540b)
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=5376.79 | Chg30d=+19.37% | Revisions=+0% | Analysts=1
EPS next Quarter (2026-09-30): EPS=5069.14 | Chg30d=+2.37% | Revisions=+0% | Analysts=1
EPS current Year (2026-12-31): EPS=18554.11 | Chg30d=+7.43% | Revisions=+25% | GrowthEPS=+20.2% | GrowthRev=+12.2%
EPS next Year (2027-12-31): EPS=20239.37 | Chg30d=+7.67% | Revisions=+0% | GrowthEPS=+9.1% | GrowthRev=+1.6%