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KB Financial Group Inc (KB) vs Nu Holdings Ltd. (NU)

KB Financial Group Inc and Nu Holdings Ltd. are both Banks Regional companies. Nu Holdings Ltd. is the larger, with a market value of $56.7B against $39.5B — 1.4× the size. KB Financial Group Inc trades at the lower P/E: 9.7× against 16.0×. Nu Holdings Ltd. grew revenue faster over the last twelve months: 50.5% against 14.3%. Nu Holdings Ltd. has the higher net margin (18.7% vs 16.4%) and the higher return on invested capital (62.5% vs 0.00%). Across the 17 metrics below, Nu Holdings Ltd. leads on 9 and KB Financial Group Inc on 8.

Valuation

Metric KB NU Banks Regional median
P/E 9.68 15.97 12.02
P/S 1.53 2.97 2.36
P/B 0.90 4.33 1.23
Price to free cash flow 9.44 n/m 10.60
EV/EBITDA — — —
EV/Sales — — —
Earnings yield 10.33% 6.26% 8.21%
Free cash flow yield 10.60% (2.91%) 9.23%

Profitability

Metric KB NU Banks Regional median
Gross margin 57.75% 71.67% 69.81%
Operating margin 0.00% 0.00% 0.00%
Net margin 16.35% 18.65% 18.82%
Free cash flow margin 16.17% (8.63%) 17.97%
Return on equity 9.75% 31.60% 10.28%
Return on assets 0.73% 4.96% 1.13%
Return on invested capital 0.00% 62.53% 8.45%

Growth

Metric KB NU Banks Regional median
Revenue growth (TTM) 14.28% 50.52% 6.37%
EPS growth (last fiscal year) 15.11% 45.00% 18.85%
Revenue growth, 5-year CAGR 8.84% 84.54% 12.65%
Net income growth, 5-year CAGR 4.15% 0.00% 9.81%

Health

Metric KB NU Banks Regional median
Debt to equity 2.53 0.35 0.17
Current ratio 1.64 0.55 0.93
Net debt to EBITDA 0.00 0.00 0.00

Dividend

Metric KB NU Banks Regional median
Dividend yield 2.95% — 2.49%
Payout ratio 0.29 — 0.29

Size

Metric KB NU Banks Regional median
Market cap 39.53b 56.71b 934.85m

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