Saturday 17 October 2026 Export KB’s income statement to Excel — free account

KB Financial Group Inc

KB Financial Group Inc’s revenue for fiscal 2025 (year ended December 2025) was $24.3 billion, up 2.09% from fiscal 2024. In the quarter to June 2026, revenue grew 25.9%, EPS grew 12.1%, free cash flow grew 482.1% and total debt rose 9.95%, each against the same quarter a year earlier.

118.81 0.93 +0.79%

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Market cap: $41.7B
P/E: 10.1×
Fwd P/E: —
Dividend yield: 2.79%
F-score: 6/9
Altman Z: n/a
Beneish M: n/a
Dividend safety: n/a

Overview Business Profile Financial Analysis Income Statement Balance Sheet Cash Flow Metrics & Ratios 10-Q 10-K

Insider Decisions trades per month

	Dec 25			Mar 26			Jun 26			Sep 26
Buy	—	—	—	—	—	—	—	—	—	—	—	—
Sell	—	—	—	—	—	—	—	—	—	—	—	—

Insider Ownership 0.00%

Capital & Financial Ratios $m

Market Cap 41,660.00

Revenue 25,793.67

Net Income 4,379.47

Free Cash Flow 4,171.95

Net Debt (95,817.60)

Current Ratio 1.64

Debt/Equity 2.53

P/E ratio 10.09

Fwd P/E —

P/S ratio 1.62

P/B ratio 0.95

Past 5Y EPS Growth 7.79%

This Y EPS Growth 28.37%

Next Y EPS Growth 8.59%

Next Y revenue growth —

Next 5Y EPS Growth 14.24%

Green and red mark values outside typical ranges. How we judge →

Valuation vs history

P/E against its own 10 years 97.57%

10-year low 10-year high

P/S against its own 10 years 85.81%

10-year low 10-year high

P/B against its own 10 years 92.85%

10-year low 10-year high

Dividends

Payout Ratio 0.28

Annual Dividend Rate 3.31

Annual Dividend Yield 2.79%

	total	individual payouts
2026	2.68	1.09 0.76 0.83
2025	2.51	0.56 0.66 0.66 0.63
2024	2.83	1.12 0.57 0.57 0.57
2023	1.16	0.39 0.39 0.39
2022	2.23	0.39 0.38 0.36 1.10
2021	2.43	0.66 1.78
2020	1.57	1.57
2019	1.79	1.79
2018	1.68	1.68
2017	1.79	1.79
2016	2.19	1.09 1.09

special payouts not included in total or ratios

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%

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.

EPS $

	Mar	Jun	Sep	Dec	Year
’26	3.49	3.67	—	—	—
’25	3.02	3.16	3.21	1.28	10.74
’24	2.07	3.06	3.02	0.60	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.

Group	Line	2016	2017	2018	2019	2020	2021	2022	2023	2024	2025	2026e
Price, $
Price, $	Low	22.84	35.16	39.22	30.83	20.93	36.26	30.14	35.20	36.57	46.38	Analyst estimates 2026–2028 Powerpack
	High	38.56	59.16	63.96	43.64	43.95	53.67	55.31	48.28	72.89	92.39
People
People	Employees	159	164	170	153	154	149	154	142	126	130
	Revenue/emp, $m	57.81	79.20	82.93	95.45	103.17	114.80	116.91	183.79	188.66	186.67
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
	Gross margin, %	67.29	73.51	69.22	67.75	72.40	80.37	66.17	49.53	49.72	54.12
	EBT	2,184	3,877	3,865	3,924	4,384	5,130	4,599	4,780	4,727	5,665
	EBT margin, %	23.76	29.85	27.42	26.87	27.59	29.99	25.54	18.31	19.88	23.34
	Net income	1,819	3,132	2,751	2,867	3,225	3,698	3,312	3,535	3,403	4,043
	Depreciation	240	516	560	845	966	849	807	671	620	633
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
	Earnings	4.81	7.48	6.99	7.19	7.47	9.73	8.48	8.87	9.44	10.85
	Cash flow	2.44	(11.36)	(20.30)	20.80	(27.27)	(14.51)	11.58	8.29	7.18	8.01
	Capex	(1.08)	(0.87)	(1.28)	(2.02)	(1.39)	(1.00)	(1.01)	(1.35)	(1.05)	(0.86)
	Free cash flow	1.35	(12.24)	(21.58)	18.78	(28.66)	(15.51)	10.57	6.94	6.13	7.15
	Book value	67.70	79.99	80.94	86.56	102.46	104.55	101.10	118.75	106.86	115.25
	Shares, m	384	399	397	391	390	390	390	384	379	365
Valuation, ×
Valuation, ×	P/E	7.64	8.08	5.99	5.70	4.79	4.72	4.49	4.51	6.40	7.90
	P/S	1.51	1.82	1.18	1.11	0.97	1.05	0.84	0.60	0.91	1.30
	P/B	0.53	0.74	0.52	0.48	0.39	0.44	0.38	0.34	0.53	0.75
	EV/Sales	(1.48)	(1.65)	(1.92)	(2.48)	(3.57)	(2.95)	(2.80)	(2.26)	(2.16)	(2.04)
	EV/FCF	(26.19)	4.40	3.17	(4.94)	5.07	8.36	(12.25)	(22.17)	(22.13)	(18.97)
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
	Capex	(415)	(348)	(508)	(792)	(540)	(391)	(395)	(517)	(397)	(312)
	Free cash flow	520	(4,879)	(8,557)	7,344	(11,166)	(6,042)	4,117	2,666	2,323	2,613
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
	Total debt	50,878	69,151	77,534	76,813	103,662	104,886	111,425	107,485	97,606	104,377
	Net debt	(27,439)	(45,109)	(43,734)	(52,452)	(72,090)	(68,530)	(65,560)	(74,728)	(72,951)	(81,012)
	Shareholders’ equity	25,970	31,895	32,092	33,856	39,924	40,737	39,394	45,604	40,474	42,110
Returns, %
Returns, %	ROA	0.60	0.86	0.65	0.65	0.63	0.66	0.62	0.65	0.64	0.73
	ROIC	0.00	0.00	0.00	0.00	0.00	0.00	0.00	0.00	0.00	0.00
	ROE	7.03	10.72	8.60	8.69	8.62	9.22	8.70	8.44	7.98	9.44

Negative figures in brackets.

All 10 years →

Fiscal years to Dec 2025 · latest quarter Jun 2026

Charts ten years each

Company	Market cap	P/E	Fwd P/E	Revenue growth (Q)	EPS growth (Q)	FCF growth (Q)	Gross margin (Q)	EBIT margin (Q)	Compare
TFC Truist Financial Corporation	$56.9B	10.7×	10.8×	+0.75% (above 0%: growing)	+36.26% (above 0%: growing)	+13.68% (above 0%: growing)	69.18%	0.00%	Compare
ITUB Itau Unibanco Holding S.A.	$51.3B	12.0×	—	+9.19% (above 0%: growing)	+25.86% (above 0%: growing)	+584.73% (above 0%: growing)	46.42%	0.00%	Compare
FITB Fifth Third Bancorp	$45.7B	17.0×	17.0×	+37.01% (above 0%: growing)	−4.55% (below 0%: shrinking)	+125.45% (above 0%: growing)	73.89%	0.00%	Compare
KB KB Financial Group Inc	$41.7B	10.1×	—	+25.89% (above 0%: growing)	+12.12% (above 0%: growing)	+482.05% (above 0%: growing)	61.64%	0.00%
SHG Shinhan Financial Group Co Ltd	$33.1B	9.5×	9.1×	+27.14% (above 0%: growing)	+10.37% (above 0%: growing)	+120.93% (above 0%: growing)	63.24%	0.00%	Compare
MTB M&T Bank Corporation	$31.6B	11.3×	11.9×	+2.07% (above 0%: growing)	+25.59% (above 0%: growing)	+52.44% (above 0%: growing)	75.36%	0.00%	Compare
HBAN Huntington Bancshares Incorporated	$31.0B	11.6×	11.3×	+37.66% (above 0%: growing)	−2.86% (below 0%: shrinking)	+105.40% (above 0%: growing)	68.08%	0.00%	Compare
BAP Credicorp Ltd.	$30.9B	14.5×	10.9×	+12.23% (above 0%: growing)	+16.83% (above 0%: growing)	+76.09% (above 0%: growing)	82.34%	0.00%	Compare
BBDO Banco Bradesco SA	$28.5B	8.6×	—	+32.31% (above 0%: growing)	+30.00% (above 0%: growing)	−266.98% (below 0%: shrinking)	36.36%	0.00%	Compare
Median of peers	$32.3B	11.4×	11.1×	+19.69%	+21.21%	+90.75%	68.63%	0.00%

All 323 Banks Regional stocks →

KB Financial Group Inc (KB) key facts

Strength: KB Financial Group Inc’s revenue for fiscal 2025 (year ended December 2025) was $24.3 billion, up 2.09% from fiscal 2024.
KB Financial Group Inc (KB) is a Banks Regional company in the Financial sector, traded in the US as an ADR.
As of October 16, 2026, KB traded at $118.81, a market capitalization of $41.7 billion.
KB Financial Group Inc pays an annual dividend of $3.31 per share, a yield of 2.79%, with a payout ratio of 28.4%.
Return on equity was 9.44% and debt-to-equity 2.53.
Its Piotroski F-score is 6 out of 9 for fiscal 2025.