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. 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%
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
Dec '16 Dec '17 Dec '18 Dec '19 Dec '20 Dec '21 Dec '22 Dec '23 Dec '24 Dec '25
P/E ratio
7.64 8.08 5.99 5.70 4.79 4.72 4.49 4.51 6.40 7.90
Piotroski F-Score
6 5 4 5 4 5 5 6 5 6
P/S ratio
1.51 1.82 1.18 1.11 0.97 1.05 0.84 0.60 0.91 1.30
P/FCF ratio
26.63 0.00 0.00 2.20 0.00 0.00 3.67 5.86 9.28 12.03
P/Operating CF
(14.01) 15.35 20.10 35.90 (4.44) (5.32) 2.10 (14.71) (27.47) 6.09
P/B ratio
0.53 0.74 0.52 0.48 0.39 0.44 0.38 0.34 0.53 0.75
Price to Tangible BV
0.54 0.81 0.56 0.51 0.42 0.47 0.41 0.35 0.55 0.77
EV/Sales
(1.48) (1.65) (1.92) (2.48) (3.57) (2.95) (2.80) (2.26) (2.16) (2.04)
EV/EBITDA
0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00
EV/Operating CF
(14.56) 4.74 3.37 (4.46) 5.33 8.94 (11.18) (18.57) (18.89) (16.94)
EV/FCF
(26.19) 4.40 3.17 (4.94) 5.07 8.36 (12.25) (22.17) (22.13) (18.97)
Quick Ratio
0.39 0.48 0.49 0.49 0.56 0.55 0.57 0.58 0.58 0.58
Current Ratio
1.50 1.61 1.64 1.60 1.67 1.67 1.69 1.67 1.66 1.64
Net Debt/EBITDA
0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00
Debt/Assets
16.30% 16.90% 17.99% 17.12% 18.44% 18.73% 20.03% 19.39% 19.03% 18.90%
Debt/Equity
1.96 2.17 2.42 2.27 2.60 2.57 2.83 2.36 2.41 2.48
Asset Turnover
0.03 0.04 0.03 0.03 0.03 0.03 0.03 0.05 0.04 0.05
Operating CF/Net income
0.52 (1.46) (2.93) 2.84 (3.34) (1.52) 1.29 0.89 0.79 0.75
Capex/Depreciation
(1.73) (0.67) (0.91) (0.94) (0.56) (0.46) (0.49) (0.77) (0.64) (0.49)
ROE
7.03% 10.72% 8.60% 8.69% 8.62% 9.22% 8.70% 8.44% 7.98% 9.44%
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%
Return on Tangible Assets
1.74% 2.07% 1.69% 1.76% 1.48% 1.72% 1.60% 1.66% 1.73% 1.86%
Average Days of Receivables
0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00
Research and Development Expense of Revenue
0.00% 0.00% 0.00% 0.00% 0.00% 0.00% 0.00% 0.00% 0.00% 0.00%
Selling, General and Administrative Expense of Revenue
43.53% 43.66% 41.80% 40.88% 44.80% 50.38% 40.62% 31.22% 29.83% 30.78%
Intangible Assets out of Total Assets
0.00 0.01 0.01 0.01 0.01 0.00 0.00 0.00 0.00 0.00
Share Based Compensation of Revenue
0.35% 0.53% 0.07% 0.29% 0.29% 0.50% 0.26% 0.21% 0.40% 0.44%
Graham Net Nets
0.92 0.37 0.56 0.51 0.04 0.37 0.42 1.15 0.82 0.50
Graham Number
84.79 114.94 112.97 118.91 138.07 151.76 140.19 155.24 146.24 168.04
Earnings Yield
13.09% 12.37% 16.69% 17.55% 20.88% 21.21% 22.26% 22.17% 15.63% 12.66%
Free Cash Flow Yield
3.76% (20.63%) (51.41%) 45.39% (72.37%) (33.60%) 27.22% 17.06% 10.78% 8.31%
Revenue per Share
23.96 32.58 35.56 37.34 40.78 43.90 46.21 67.96 62.76 66.41
Operating CF per Share
2.44 (11.36) (20.30) 20.80 (27.27) (14.51) 11.58 8.29 7.18 8.01
Capex per Share
(1.08) (0.87) (1.28) (2.02) (1.39) (1.00) (1.01) (1.35) (1.05) (0.86)
Free Cash Flow per Share
1.35 (12.24) (21.58) 18.78 (28.66) (15.51) 10.57 6.94 6.13 7.15
Cash per Share
204.15 286.56 305.85 330.49 451.07 445.07 454.23 474.48 450.30 507.38
Shareholders Equity per Share
67.70 79.99 80.94 86.56 102.46 104.55 101.10 118.75 106.86 115.25
Interest Debt per Share
0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00
Book value per Share
67.70 79.99 80.94 86.56 102.46 104.55 101.10 118.75 106.86 115.25
Free Cash Flow
519.52 (4,878.60) (8,557.37) 7,344.17 (11,166.13) (6,042.48) 4,117.45 2,666.05 2,322.93 2,613.30
Working Capital
99,347.60 146,008.50 158,768.80 158,395.00 210,574.40 211,554.70 213,999.50 211,762.70 194,817.30 205,444.30
Capital Expenditures
(415.06) (348.03) (508.11) (791.73) (540.42) (390.63) (394.67) (516.69) (397.34) (312.44)
Net Current Asset Value
12,749.50 8,755.30 9,237.30 8,330.40 682.60 6,649.30 6,376.90 17,949.40 17,661.30 15,706.70
EV/EBIT
0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00
Capex to Sales
0.05 0.03 0.04 0.05 0.03 0.02 0.02 0.02 0.02 0.01
Price to Operating Income
6.33 6.10 4.31 4.12 3.52 3.51 3.29 3.27 4.56 5.55
Other line items
Depreciation/Fixed assets
0.08 0.13 0.15 0.19 0.19 0.19 0.20 0.18 0.17 0.18
Cash ROIC
0.33% (2.27%) (3.71%) 3.06% (3.50%) (1.89%) 1.26% 0.80% 0.75% 0.79%
Accounts Receivable Turnover
0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00
Accounts Payable Turnover
0.02 0.02 0.02 0.02 0.02 0.01 0.02 0.04 0.04 0.04
Inventory Turnover
0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00
Average Days of Payables
24,175.96 25,423.68 20,916.92 20,494.89 25,943.62 34,106.58 18,492.96 8,726.33 9,002.49 10,493.99
Days of Inventory on Hand
0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00
Average Payables
195,479.60 219,399.50 244,173.75 256,590.70 288,106.90 312,774.20 311,204.65 311,743.30 304,849.55 307,453.80
Average Assets
296,760.90 360,644.40 420,076.25 439,863.50 505,514.15 561,134.85 558,209.35 555,412.10 533,609.10 532,583.60
Average Common Equity
25,344.64 28,932.48 31,993.00 32,973.78 36,889.85 40,330.41 40,065.35 42,498.72 43,039.06 41,292.09

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Columns are period end dates