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 $65.9B against $44.2B — 1.5× the size. KB Financial Group Inc trades at the lower P/E: 10.8× against 18.4×. 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 18 metrics below, KB Financial Group Inc leads on 9 and Nu Holdings Ltd. on 9.

Valuation

Metric KB NU Banks Regional median
P/E 10.81 18.36 12.15
P/S 1.73 3.41 2.37
P/B 1.02 4.98 1.21
Price to free cash flow 10.72 n/m 10.80
EV/EBITDA n/m 70.20 —
EV/Sales (1.98) 2.95 2.27
Earnings yield 9.25% 5.45% 8.11%
Free cash flow yield 9.33% (2.53%) 8.98%

Profitability

Metric KB NU Banks Regional median
Gross margin 57.75% 71.67% 69.57%
Operating margin 0.00% 0.00% 0.00%
Net margin 16.35% 18.65% 18.66%
Free cash flow margin 16.17% (8.63%) 21.18%
Return on equity 9.75% 31.60% 10.64%
Return on assets 0.73% 4.96% 1.13%
Return on invested capital 0.00% 62.53% 8.33%

Growth

Metric KB NU Banks Regional median
Revenue growth (TTM) 14.28% 50.52% 6.61%
EPS growth (last fiscal year) 15.11% 45.00% —
Revenue growth, 5-year CAGR 8.84% 84.54% 12.30%
Net income growth, 5-year CAGR 4.15% 0.00% 9.71%

Health

Metric KB NU Banks Regional median
Debt to equity 2.53 0.35 0.22
Current ratio 1.64 0.55 0.94
Net debt to EBITDA 0.00 0.00 0.00

Dividend

Metric KB NU Banks Regional median
Dividend yield 4.98% — 3.75%
Payout ratio 0.25 0.00 0.27

Size

Metric KB NU Banks Regional median
Market cap 44.24b 65.90b 921.07m

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