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 '25 Dec '24 Dec '23 Dec '22 Dec '21 Dec '20 Dec '19 Dec '18 Dec '17 Dec '16
P/E ratio
7.90 6.40 4.51 4.49 4.72 4.79 5.70 5.99 8.08 7.64
Piotroski F-Score
6 5 6 5 5 4 5 4 5 6
P/S ratio
1.30 0.91 0.60 0.84 1.05 0.97 1.11 1.18 1.82 1.51
P/FCF ratio
12.03 9.28 5.86 3.67 0.00 0.00 2.20 0.00 0.00 26.63
P/Operating CF
6.09 (27.47) (14.71) 2.10 (5.32) (4.44) 35.90 20.10 15.35 (14.01)
P/B ratio
0.75 0.53 0.34 0.38 0.44 0.39 0.48 0.52 0.74 0.53
Price to Tangible BV
0.77 0.55 0.35 0.41 0.47 0.42 0.51 0.56 0.81 0.54
EV/Sales
(2.04) (2.16) (2.26) (2.80) (2.95) (3.57) (2.48) (1.92) (1.65) (1.48)
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
(16.94) (18.89) (18.57) (11.18) 8.94 5.33 (4.46) 3.37 4.74 (14.56)
EV/FCF
(18.97) (22.13) (22.17) (12.25) 8.36 5.07 (4.94) 3.17 4.40 (26.19)
Quick Ratio
0.58 0.58 0.58 0.57 0.55 0.56 0.49 0.49 0.48 0.39
Current Ratio
1.64 1.66 1.67 1.69 1.67 1.67 1.60 1.64 1.61 1.50
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
18.90% 19.03% 19.39% 20.03% 18.73% 18.44% 17.12% 17.99% 16.90% 16.30%
Debt/Equity
2.48 2.41 2.36 2.83 2.57 2.60 2.27 2.42 2.17 1.96
Asset Turnover
0.05 0.04 0.05 0.03 0.03 0.03 0.03 0.03 0.04 0.03
Operating CF/Net income
0.75 0.79 0.89 1.29 (1.52) (3.34) 2.84 (2.93) (1.46) 0.52
Capex/Depreciation
(0.49) (0.64) (0.77) (0.49) (0.46) (0.56) (0.94) (0.91) (0.67) (1.73)
ROE
9.44% 7.98% 8.44% 8.70% 9.22% 8.62% 8.69% 8.60% 10.72% 7.03%
ROA
0.73% 0.64% 0.65% 0.62% 0.66% 0.63% 0.65% 0.65% 0.86% 0.60%
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
1.86% 1.73% 1.66% 1.60% 1.72% 1.48% 1.76% 1.69% 2.07% 1.74%
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
30.78% 29.83% 31.22% 40.62% 50.38% 44.80% 40.88% 41.80% 43.66% 43.53%
Intangible Assets out of Total Assets
0.00 0.00 0.00 0.00 0.00 0.01 0.01 0.01 0.01 0.00
Share Based Compensation of Revenue
0.44% 0.40% 0.21% 0.26% 0.50% 0.29% 0.29% 0.07% 0.53% 0.35%
Graham Net Nets
0.50 0.82 1.15 0.42 0.37 0.04 0.51 0.56 0.37 0.92
Graham Number
168.04 146.24 155.24 140.19 151.76 138.07 118.91 112.97 114.94 84.79
Earnings Yield
12.66% 15.63% 22.17% 22.26% 21.21% 20.88% 17.55% 16.69% 12.37% 13.09%
Free Cash Flow Yield
8.31% 10.78% 17.06% 27.22% (33.60%) (72.37%) 45.39% (51.41%) (20.63%) 3.76%
Revenue per Share
66.41 62.76 67.96 46.21 43.90 40.78 37.34 35.56 32.58 23.96
Operating CF per Share
8.01 7.18 8.29 11.58 (14.51) (27.27) 20.80 (20.30) (11.36) 2.44
Capex per Share
(0.86) (1.05) (1.35) (1.01) (1.00) (1.39) (2.02) (1.28) (0.87) (1.08)
Free Cash Flow per Share
7.15 6.13 6.94 10.57 (15.51) (28.66) 18.78 (21.58) (12.24) 1.35
Cash per Share
507.38 450.30 474.48 454.23 445.07 451.07 330.49 305.85 286.56 204.15
Shareholders Equity per Share
115.25 106.86 118.75 101.10 104.55 102.46 86.56 80.94 79.99 67.70
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
115.25 106.86 118.75 101.10 104.55 102.46 86.56 80.94 79.99 67.70
Free Cash Flow
2,613.30 2,322.93 2,666.05 4,117.45 (6,042.48) (11,166.13) 7,344.17 (8,557.37) (4,878.60) 519.52
Working Capital
205,444.30 194,817.30 211,762.70 213,999.50 211,554.70 210,574.40 158,395.00 158,768.80 146,008.50 99,347.60
Capital Expenditures
(312.44) (397.34) (516.69) (394.67) (390.63) (540.42) (791.73) (508.11) (348.03) (415.06)
Net Current Asset Value
15,706.70 17,661.30 17,949.40 6,376.90 6,649.30 682.60 8,330.40 9,237.30 8,755.30 12,749.50
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
0.01 0.02 0.02 0.02 0.02 0.03 0.05 0.04 0.03 0.05
Price to Operating Income
5.55 4.56 3.27 3.29 3.51 3.52 4.12 4.31 6.10 6.33
Other line items
Depreciation/Fixed assets
0.18 0.17 0.18 0.20 0.19 0.19 0.19 0.15 0.13 0.08
Cash ROIC
0.79% 0.75% 0.80% 1.26% (1.89%) (3.50%) 3.06% (3.71%) (2.27%) 0.33%
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
0.04 0.04 0.04 0.02 0.01 0.02 0.02 0.02 0.02 0.02
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
10,493.99 9,002.49 8,726.33 18,492.96 34,106.58 25,943.62 20,494.89 20,916.92 25,423.68 24,175.96
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
307,453.80 304,849.55 311,743.30 311,204.65 312,774.20 288,106.90 256,590.70 244,173.75 219,399.50 195,479.60
Average Assets
532,583.60 533,609.10 555,412.10 558,209.35 561,134.85 505,514.15 439,863.50 420,076.25 360,644.40 296,760.90
Average Common Equity
41,292.09 43,039.06 42,498.72 40,065.35 40,330.41 36,889.85 32,973.78 31,993.00 28,932.48 25,344.64

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Columns are period end dates