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KB Financial Group Inc

KB Financial Banks Regional

KB Financial Group Inc’s revenue for fiscal 2025 (year ended December 2025) was $24.3 billion, up 2.09% from fiscal 2024.

Revenue
+25.9%
EPS
+12.1%
Free cash flow
+482.1%
Total debt
+9.95%

Quarter to June 2026, against a year earlier

112.02 2.96 −2.57%
Market cap
$39.5B
P/E
9.7×
Fwd P/E
—
Dividend yield
2.95%
F-score
6/9
Altman Z
n/a
Beneish M
n/a
Dividend safety
n/a
Overview
Financials
Income Statement Balance Sheet Cash Flow Metrics & Ratios

Insider Decisions last twelve months

Trades a month
Jan 26 Apr 26 Jul 26 Oct 26
Buy — — — — — — — — — — — —
Sell — — — — — — — — — — — —
Insider Ownership 0.00%

Capital & Financial Ratios $m

Size
Market Cap 39,530.00
Revenue ttm 25,793.67
Net income ttm 4,379.47
Free cash flow ttm 4,171.95
Net debt Q (95,817.60)
Valuation
P/E 9.68
Forward P/E —
Price / sales 1.53
Forward P/S Powerpack
Price / FCF 9.44
Price / book 0.90
Financial health
Current ratio Q 1.64
Debt / equity Q 2.53
Interest coverage Q —
Growth
Revenue growth Q +25.89% (above 0%: growing)
Operating income growth Q +16.63% (above 0%: growing)
EPS, this year +35.48% (at or above 15%: strong)
EPS, next year A +7.89%
Revenue, next year A —
EPS, past 5 yrs +7.79%
EPS, next 5 yrs A +16.37% (at or above 15%: strong)

Green and red mark values outside typical ranges; (Q) is the latest quarter, (A) analysts’ estimates. How we judge →

Valuation vs history

P/E against its own 10 years 95.60%
10-year low 10-year high
P/S against its own 10 years 81.74%
10-year low 10-year high
P/B against its own 10 years 90.83%
10-year low 10-year high

Dividends

Yield
2.95%
Annual rate
3.31
Payout ratio
28.8%
Growth, 2018–26
+6.02%/yr
  1. 1.68 ’18
  2. 1.79 ’19 +6
  3. 1.57 ’20 −12
  4. 2.43 ’21 +55
  5. 2.23 ’22 −8
  6. 1.16 ’23 −48
  7. 2.83 ’24 +144
  8. 2.51 ’25 −11
  9. 2.68 ’26 +6
paid change on the year, %

Assets vs Liabilities $m

2023 2024 2025 Q'26
Cash 182,213 170,557 185,389 206,677
Receivables — — — —
Inventory — — — —
Other — — — —
526,764 489,986 525,965 560,456
2023 2024 2025 Q'26
Payables 314,889 294,810 320,098 340,441
ST’ Debt — — — —
Other 113 359 423 292
315,002 295,169 320,520 340,732

Compound Annual Growth %

10y 5y 3y
Sales 9.40% 8.84% 10.46%
Cash Flow 4.54% 0.00% (13.45%)
Earnings 10.38% 4.15% 3.78%
Book Value 5.47% 1.07% 2.25%

Earnings Trends EPS, adjusted, against the consensus

Jun 2026 Estimate 3.51 Actual 3.67

Earnings per share against the consensus, by quarter
Quarter Estimate Reported Result
Jun 2024 2.70 3.06 Beat by 0.36
Sep 2024 2.65 3.02 Beat by 0.37
Mar 2025 3.04 3.02 Miss by 0.02
Jun 2026 3.51 3.67 Beat by 0.16
Sep 2026 3.94 — Reports 13 November 2026

EPS $

Mar Jun Sep Dec Year
’26 3.49 3.67 — — —
’25 3.02 3.16 3.21 1.13 10.74
’24 2.07 3.06 3.02 0.75 9.33
’23 2.88 2.81 2.70 0.43 8.66
’22 2.98 2.56 2.31 0.60 8.48
’21 2.84 2.72 2.77 1.31 9.51
’20 1.55 2.04 2.35 2.19 7.38
Fiscal quarters ending in the months shown.

Revenue $m

Mar Jun Sep Dec Year
’26 6,167 7,681 — — —
’25 6,221 6,101 5,943 6,002 24,267
’24 7,189 6,333 6,260 3,988 23,771
’23 6,940 6,753 6,505 5,901 26,098
’22 3,978 4,117 3,957 5,952 18,004
’21 4,163 4,046 3,697 5,199 17,106
’20 3,210 3,633 3,480 5,565 15,888
Fiscal quarters ending in the months shown.

Operating Cash Flow $m

Mar Jun Sep Dec Year
’26 1,083 3,115 — — —
’25 2,100 576 (4,916) 5,166 2,926
’24 7,298 (1,544) (2,249) (784) 2,720
’23 (1,712) 4,079 1,878 (1,062) 3,183
’22 (1,006) (2,792) 1,110 7,201 4,512
’21 (3,318) (567) 1,613 (3,380) (5,652)
’20 (469) (7,248) 571 (3,479) (10,626)
Fiscal quarters ending in the months shown.

Free Cash Flow $m

Mar Jun Sep Dec Year
’26 1,026 3,061 — — —
’25 2,003 526 (4,954) 5,039 2,613
’24 7,208 (1,624) (2,319) (942) 2,323
’23 (1,881) 4,018 1,736 (1,207) 2,666
’22 (1,068) (2,855) 1,035 7,006 4,117
’21 (3,383) (653) 1,555 (3,562) (6,042)
’20 (556) (7,355) 462 (3,716) (11,166)
Fiscal quarters ending in the months shown.

Target Price Range

Analyst price targets

Recommendation Rating

1.1
1Buy 2 3Hold 4 5Sell

Ten years at a glance Fiscal years to December

Ten-year view Analyst estimates Powerpack
Group Line 2016 2017 2018 2019 2020 2021 2022 2023 2024 2025 TTM Jun ’26 Trend 10 yrs 2026e 2027e 2028e Next 3/yr
Income, $m
Income, $m Revenue 9,192 12,989 14,098 14,604 15,888 17,106 18,004 26,098 23,771 24,267 25,794 +11.4% — — — —
Gross margin, % 67.29 73.51 69.22 67.75 72.40 80.37 66.17 49.53 49.72 54.12 57.75 (13.2) pt
EBT 2,184 3,877 3,865 3,924 4,384 5,130 4,599 4,780 4,727 5,665 6,165 +11.2%
EBT margin, % 23.76 29.85 27.42 26.87 27.59 29.99 25.54 18.31 19.88 23.34 23.90 (0.4) pt
Net income 1,819 3,132 2,751 2,867 3,225 3,698 3,312 3,535 3,403 4,043 4,379 +9.3%
Per share, $
Per share, $ Revenue 23.96 32.58 35.56 37.34 40.78 43.90 46.21 67.96 62.76 66.41 73.39 +12.0%
Earnings 4.81 7.48 6.99 7.19 7.47 9.73 8.48 8.87 9.44 10.85 11.58 +9.5%
Cash flow 2.44 (11.36) (20.30) 20.80 (27.27) (14.51) 11.58 8.29 7.18 8.01 12.65 +14.1%
Capex (1.08) (0.87) (1.28) (2.02) (1.39) (1.00) (1.01) (1.35) (1.05) (0.86) (0.78) (2.6%)
Free cash flow 1.35 (12.24) (21.58) 18.78 (28.66) (15.51) 10.57 6.94 6.13 7.15 11.87 +20.3%
Book value 67.70 79.99 80.94 86.56 102.46 104.55 101.10 118.75 106.86 115.25 124.88 +6.1%
Shares, m 384 399 397 391 390 390 390 384 379 365 360 (0.5%)
Valuation, ×
Valuation, × P/E 7.64 8.08 5.99 5.70 4.79 4.72 4.49 4.51 6.32 8.04 9.68 6.0
P/S 1.51 1.82 1.18 1.11 0.97 1.05 0.84 0.60 0.91 1.30 1.53 1.1
P/B 0.53 0.74 0.52 0.48 0.39 0.44 0.38 0.34 0.53 0.75 0.90 0.5
EV/Sales (1.48) (1.65) (1.92) (2.48) (3.57) (2.95) (2.80) (2.26) (2.16) (2.04) — (2.3)
EV/FCF (26.19) 4.40 3.17 (4.94) 5.07 8.36 (12.25) (22.17) (22.13) (18.97) — (8.6)
Cash, $m
Cash, $m Operating cash flow 935 (4,531) (8,049) 8,136 (10,626) (5,652) 4,512 3,183 2,720 2,926 4,447 +13.5%
Capex (415) (348) (508) (792) (540) (391) (395) (517) (397) (312) (275) (3.1%)
Free cash flow 520 (4,879) (8,557) 7,344 (11,166) (6,042) 4,117 2,666 2,323 2,613 4,172 +19.7%
Balance, $m
Balance, $m Working capital 99,348 146,009 158,769 158,395 210,574 211,555 214,000 211,763 194,817 205,444 219,724 +8.4%
Net debt (27,439) (45,109) (43,734) (52,452) (72,090) (68,530) (65,560) (74,728) (72,951) (81,012) (95,818) +12.8%
Shareholders’ equity 25,970 31,895 32,092 33,856 39,924 40,737 39,394 45,604 40,474 42,110 43,891 +5.5%
Returns, %
Returns, % ROA 0.60 0.86 0.65 0.65 0.63 0.66 0.62 0.65 0.64 0.73 0.73 +0.1 pt
ROIC 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.0 pt
ROE 7.03 10.72 8.60 8.69 8.62 9.22 8.70 8.44 7.98 9.44 9.75 +2.4 pt
People
People Employees 159 164 170 153 154 149 154 142 126 130 — (2.2%)
Revenue/emp, $m 57.81 79.20 82.93 95.45 103.17 114.80 116.91 183.79 188.66 186.67 — +13.9%
Negative figures in brackets.
estimates

All 10 years →

Fiscal years to Dec 2025 · latest quarter Jun 2026 · fundamentals updated 26 Oct 2026

KB Financial Group Inc vs peers in Banks Regional (Q) = latest quarter vs a year earlier

Company Market cap P/E Fwd P/E Revenue growth (Q) EPS growth (Q) FCF growth (Q) Gross margin (Q) EBIT margin (Q) Compare
NU Nu Holdings Ltd. $56.7B 16.0× 13.6× +50.29% (above 0%: growing) +69.23% (above 0%: growing) −102.15% (below 0%: shrinking) 71.77% 0.00% Compare
FITB Fifth Third Bancorp $48.3B 18.1× 17.7× +36.55% (above 0%: growing) 0.00% −26.19% (below 0%: shrinking) 72.77% 0.00% Compare
KB KB Financial Group Inc $39.5B 9.7× — +25.89% (above 0%: growing) +12.12% (above 0%: growing) +482.05% (above 0%: growing) 61.64% 0.00%
ITUB Itau Unibanco Holding S.A. $39.4B 9.3× — +9.19% (above 0%: growing) +25.86% (above 0%: growing) +584.73% (above 0%: growing) 46.42% 0.00% Compare
MTB M&T Bank Corporation $31.7B 11.4× 11.3× −0.64% (below 0%: shrinking) +4.74% (above 0%: growing) +52.44% (above 0%: growing) 74.37% 0.00% Compare
HBAN Huntington Bancshares Incorporated $31.5B 12.5× 12.1× +27.35% (above 0%: growing) −17.07% (below 0%: shrinking) +53.14% (above 0%: growing) 67.89% 0.00% Compare
SHG Shinhan Financial Group Co Ltd $29.2B 8.5× 7.3× +27.14% (above 0%: growing) +10.37% (above 0%: growing) +120.93% (above 0%: growing) 63.24% 0.00% Compare
BBDO Banco Bradesco SA $28.5B 5.2× — +16.65% (above 0%: growing) +44.44% (above 0%: growing) +1,455.10% (above 0%: growing) 34.57% 0.00% Compare
BAP Credicorp Ltd. $27.6B 12.9× 11.7× +12.23% (above 0%: growing) +16.83% (above 0%: growing) +76.09% (above 0%: growing) 82.34% 0.00% Compare
Median of peers $31.6B 12.0× 11.9× +21.89% +13.60% +64.62% 69.83% 0.00%

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KB metrics, ten years each

stockrow.com/KB · Data as of Oct 26, 2026 · For information only; not investment advice. · © 2026 stockrow.com