Banco Bradesco SA (BBDO) vs KB Financial Group Inc (KB)

Banco Bradesco SA and KB Financial Group Inc are both Banks Regional companies. KB Financial Group Inc is the larger, with a market value of $39.5B against $28.5B — 1.4× the size. Banco Bradesco SA trades at the lower P/E: 5.2× against 9.7×. Banco Bradesco SA grew revenue faster over the last twelve months: 30.8% against 14.3%. KB Financial Group Inc has the higher net margin (16.4% vs 7.52%) and the higher return on invested capital (0.00% vs 0.00%). Both pay a dividend; KB Financial Group Inc yields more (2.95% vs 1.70%). Across the 18 metrics below, Banco Bradesco SA leads on 13 and KB Financial Group Inc on 5.

Valuation

Metric BBDO KB Banks Regional median
P/E 5.15 9.68 12.02
P/S 0.37 1.53 2.36
P/B 0.65 0.90 1.23
Price to free cash flow 2.84 9.44 10.60
EV/EBITDA — — —
EV/Sales — — —
Earnings yield 19.41% 10.33% 8.21%
Free cash flow yield 35.22% 10.60% 9.23%

Profitability

Metric BBDO KB Banks Regional median
Gross margin 36.04% 57.75% 69.81%
Operating margin 0.00% 0.00% 0.00%
Net margin 7.52% 16.35% 18.82%
Free cash flow margin 13.20% 16.17% 17.97%
Return on equity 14.24% 9.75% 10.28%
Return on assets 1.13% 0.73% 1.13%
Return on invested capital 0.00% 0.00% 8.45%

Growth

Metric BBDO KB Banks Regional median
Revenue growth (TTM) 30.84% 14.28% 6.37%
EPS growth (last fiscal year) 31.03% 15.11% 18.85%
Revenue growth, 5-year CAGR 16.20% 8.84% 12.65%
Net income growth, 5-year CAGR 5.72% 4.15% 9.81%

Health

Metric BBDO KB Banks Regional median
Debt to equity 2.78 2.53 0.17
Current ratio 1.72 1.64 0.93
Net debt to EBITDA 0.00 0.00 0.00

Dividend

Metric BBDO KB Banks Regional median
Dividend yield 1.70% 2.95% 2.49%
Payout ratio 0.09 0.29 0.29

Size

Metric BBDO KB Banks Regional median
Market cap 28.51b 39.53b 934.85m

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