Kb Financial Group (KB) Earnings Dates, Call Summary & Reports

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Earnings Data

Report Date

Apr 23, 2026

TBA (Confirmed)

Period Ending

2026 (Q1)

Consensus EPS Forecast

3.28

Last Year’s EPS

3.06

Same Quarter Last Year

Analyst Consensus

―

Based on 0 Analysts Ratings

Earnings Call Summary

Q4 2025

Earnings Call Date:Feb 05, 2026|

% Change Since:

Earnings Call Sentiment|Positive

The call presents a predominantly positive picture: strong annual net profit growth (+15.1% YoY), substantial increases in dividends and shareholder returns (total cash dividends +≈32% YoY; TSR 52.4%), notable noninterest income expansion (+16% YoY) and improved cost efficiency (CIR 39.3%). These achievements are balanced against near‑term headwinds — a Q4 earnings dip driven by one‑offs (ERP costs, ELS provisioning), elevated credit provisions (credit cost 48 bps), NIM pressure and constraints on household loan growth. Management emphasizes conservative provisioning, industry‑leading capital ratios (CET1 ≈13.8%) and proactive shareholder return and buyback programs, while providing cautious 2026 guidance (loan mix shift to corporate/productive finance, modest SG&A growth and expectation of a gradual NIM decline). Overall, positive operational and capital metrics outweigh the transitory lowlights, but the company remains cautious about macro and market volatility.

Company Guidance

KBFG’s guidance for 2026 emphasises active shareholder returns, capital preservation and selective growth: management has allocated KRW 2,820bn in first‑half shareholder returns (equal to ~79bp above last year‑end CET1 of 13%), split into KRW 1,620bn cash dividends and KRW 1,200bn buybacks (KRW 600bn to start immediately, KRW 600bn planned in Q2); this follows 2025 totals of KRW 1,580bn cash dividends (year‑end KRW 575.5bn / KRW 1,605 per share), a 52.4% total shareholder‑return ratio and 2025 CET1 ~13.79% (effective ~13.85% after a ~6bp hit). Operationally, the bank targets ~5% loan growth (household ~2–3%, corporate ~6–7%), expects NIM to gradually decline from 2025 levels (group 1.97%, bank 1.74%), aims to manage credit cost to the low‑ to mid‑40bps range (2025 credit cost 48bps; 2025 provisions KRW 2,318.7bn), anticipates SG&A growth around +/-4% (recurring ~2% ex education tax; 2025 SG&A KRW 7,051bn, CIR 39.3%), and is lifting its mid‑to‑long‑term ROE target to >11% (2025 ROE 10.86%, EPS KRW 15,437). Other reference metrics disclosed include BIS 16.16%, year‑end RWA KRW 358tn (+3.3% YoY), 2025 noninterest income KRW 4,872.1bn (+16%), net fee income KRW 4,098.3bn (+6.5%), other operating income KRW 773.8bn (+~120%), and specific 2025 provisions of KRW 69.7bn (LTV) and KRW 263.3bn (ELS penalties); management is also reviewing tax‑exempt and capital‑reduction dividend options.

Robust Annual Net Profit Growth

2025 net profit: KRW 5,843 billion (≈KRW 5.8 trillion), a 15.1% year‑over‑year increase, reflecting recovery from 2024 one‑offs and demonstrating strong profit‑generating capacity.

Significant Shareholder Returns and Dividend Upsize

2025 total cash dividends: KRW 1,580 billion (+≈32% YoY); year‑end cash dividend KRW 1,605 per share (KRW 575.5 billion). Total dividend per share for 2025: KRW 4,367 (+37.6% YoY). Total shareholder return ratio: 52.4% (+12.6 percentage points YoY).

Industry‑Leading Capital Adequacy

Preliminary year‑end CET1 ratio: 13.79% (effective ≈13.85% after accounting for additional dividends); BIS ratio: 16.16%. Management emphasized maintained industry‑leading capital levels despite larger shareholder returns.

Strong Noninterest Income and Fee Growth

Group noninterest income: KRW 4,872.1 billion (+16% YoY). Net fee income: KRW 4,098.3 billion (+6.5% YoY, ≈KRW 248.7 billion increase). Asset management and investment fee income rose ~28.9% and ~73.2% respectively. Nonbank subsidiaries account for ~70% of group fee income, driven by expanded brokerage commissions and capital‑market activity.

Net Interest Income and Loan Expansion

Net interest income: KRW 13,073.1 billion (+1.9% YoY). Year‑end Korean won loan balance: KRW 377 trillion (+3.8% YoY). Bank NIM: 1.74% (group NIM 1.97%); Q4 bank NIM 1.75% (+1 bps Q‑o‑Q) with management initiatives to grow low‑cost deposits and optimize funding mix.

Improved Profitability Metrics (ROE & EPS)

2025 ROE: 10.86% (+1.1 percentage points YoY). Basic EPS: KRW 15,437 (~+20% YoY), indicating improved shareholder value and earnings per share.

Enhanced Cost Efficiency

SG&A expenses: KRW 7,051 billion (+1.6% YoY). Cost‑to‑income ratio (CIR): 39.3% — an all‑time low and the first time below 40% on an annual basis, reflecting top‑line growth, ERP benefits and workforce/cost optimization.

Proactive Share Buyback Program

First phase shareholder return funding: KRW 2,820 billion. BOD resolved immediate KRW 600 billion buyback (first round) and a further KRW 600 billion planned in Q2; total first‑half buyback target KRW 1,200 billion (with KRW 1,620 billion planned as H1 cash dividends).

Material Recovery in Other Operating Income

Other operating income: KRW 773.8 billion (+≈120% YoY) driven by efficient securities‑portfolio management and equity securities performance.

Kb Financial Group (KB) Earnings, Revenues Date & History

The upcoming earnings date is based on a company’s previous reporting, and may be updated when the actual date is announced

Daily Earnings Calendar >

KB Earnings History

Report Date	Fiscal Quarter	Forecast / EPS	Last Year's EPS	EPS YoY Change	Slides	Play Transcript
Apr 23, 2026	2026 (Q1)	3.28 / -	3.055	―	―	―
Feb 05, 2026	2025 (Q4)	1.09 / 1.30	1.244	4.90% (+0.06)
Oct 30, 2025	2025 (Q3)	3.12 / 3.18	2.908	9.49% (+0.28)
Jul 24, 2025	2025 (Q2)	3.19 / 3.42	3.405	0.41% (+0.01)
Apr 24, 2025	2025 (Q1)	3.01 / 3.06	1.911	59.86% (+1.14)
Feb 05, 2025	2024 (Q4)	1.22 / 1.24	0.512	142.97% (+0.73)
Oct 24, 2024	2024 (Q3)	2.83 / 2.91	2.675	8.71% (+0.23)
Jul 23, 2024	2024 (Q2)	3.00 / 3.40	2.862	18.97% (+0.54)
Apr 25, 2024	2024 (Q1)	1.93 / 1.91	2.929	-34.76% (-1.02)
Feb 07, 2024	2023 (Q4)	0.89 / 0.51	0.768	-33.33% (-0.26)

The table shows recent earnings report dates and whether the forecast was beat or missed. See the change in forecast and EPS from the previous year.

Beat

Missed

KB Earnings-Related Price Changes

Report Date	Price 1 Day Before	Price 1 Day After	Percentage Change
Feb 05, 2026	$94.64	$96.16	+1.61%
Oct 30, 2025	$81.42	$81.07	-0.43%
Jul 24, 2025	$84.24	$90.36	+7.26%
Apr 24, 2025	$59.19	$59.24	+0.08%

Earnings announcements can affect a stock’s price. This table shows the stock's price the day before and the day after recent earnings reports, including the percentage change.

FAQ

When does Kb Financial Group Inc. (KB) report earnings?

Kb Financial Group Inc. (KB) is schdueled to report earning on Apr 23, 2026, TBA (Confirmed).

What is Kb Financial Group Inc. (KB) earnings time?

Kb Financial Group Inc. (KB) earnings time is at Apr 23, 2026, TBA (Confirmed).

Where can I see when companies are reporting earnings?

You can see which companies are reporting today on our designated earnings calendar.

What companies are reporting earnings today?

You can see a list of the companies which are reporting today on TipRanks earnings calendar.

What is KB EPS forecast?

KB EPS forecast for the fiscal quarter 2026 (Q1) is 3.28.