Kb Financial Group Inc. (KB)
NYSE:KB
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Kb Financial Group
(NYSE:KB)
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Rating:69Neutral
Price Target:
$106.00
▲(22.54% Upside)
Action:DowngradedDate:12/23/25
KB Financial Group's overall stock score reflects strong profitability and a solid valuation, supported by positive earnings call highlights. However, challenges in revenue growth, cash flow management, and potential regulatory issues pose risks. The technical indicators suggest a stable outlook, but careful monitoring of financial performance and external factors is advised.
Positive Factors
Improving Return on Equity
A sustained ROE near 13% indicates the group is generating solid returns on shareholder capital. Over the next several months this supports internal capital generation, dividend capacity and reinvestment into strategic areas, increasing resilience to revenue pressures.
Negative Factors
Declining Top-line Trend
A multi-period decline in revenue growth signals underlying pressure on core franchise expansion or pricing. Persisting top-line weakness constrains operating leverage, limits room for margin expansion, and forces greater reliance on non-operating items or cost cuts to sustain profitability.
Read all positive and negative factors
Positive Factors
Negative Factors
Improving Return on Equity
A sustained ROE near 13% indicates the group is generating solid returns on shareholder capital. Over the next several months this supports internal capital generation, dividend capacity and reinvestment into strategic areas, increasing resilience to revenue pressures.
Read all positive factors
Kb Financial Group (KB) vs. SPDR S&P 500 ETF (SPY)
Market Cap
$37.93B
Dividend Yield2.79%
Average Volume (3M)291.56K
Price to Earnings (P/E)8.0
Beta (1Y)0.94
Revenue Growth-4.64%
EPS Growth24.98%
CountryUS
Employees141
SectorFinancial
Sector Strength70
IndustryBanks - Regional
Share Statistics
EPS (TTM)1.36
Shares Outstanding372,850,460
10 Day Avg. Volume195,592
30 Day Avg. Volume291,556
Financial Highlights & Ratios
PEG Ratio0.40
Price to Book (P/B)0.76
Price to Sales (P/S)0.93
P/FCF Ratio0.00
Enterprise Value/Market Cap1.54K
Enterprise Value/Revenue1.15
Enterprise Value/Gross Profit2.35
Enterprise Value/Ebitda6.35
Forecast
1Y Price TargetN/A
Price Target UpsideN/A
Rating ConsensusN/A
Number of Analyst Covering0
EPS Forecast (FY)11.87
Revenue Forecast (FY)$12.56B
Kb Financial Group Business Overview & Revenue Model
Company Description
KB Financial Group Inc. provides a range of banking and related financial services to consumers and corporations in South Korea and internationally. The company operates through Corporate Banking, Retail Banking, Other Banking Services, Securities...
How the Company Makes Money
KB Financial Group generates revenue primarily through interest income from loans and advances, fees from banking services, and investment income from its asset management operations. Key revenue streams include interest from consumer and corporat...
Kb Financial Group Earnings Call Summary
Earnings Call Date:Feb 05, 2026
(Q4-2025)
| % Change Since: |
Next Earnings Date:Apr 23, 2026
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.Positive Updates
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.
Negative Updates
Q4 Profit Dip Due to One‑Offs and Seasonality
Quarterly net profit declined Q‑o‑Q in Q4, impacted by sizable one‑off items including group‑wide ERP costs, provisioning for penalties (including ELS), and a seasonal contraction in insurance performance.
Read all updates
Q4-2025 Updates
Positive
Negative
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.
Read all positive updates
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.Kb Financial Group Financial Statement Overview
Summary
Income Statement
70
Positive
Balance Sheet
65
Positive
Cash Flow
55
Neutral
| Breakdown | Dec 2025 | Dec 2024 | Dec 2023 | Dec 2022 | Dec 2021 |
|---|---|---|---|---|---|
Income Statement | |||||
| Total Revenue | 50.69T | 37.77T | 36.41T | 25.64T | 20.97T |
| Gross Profit | 24.86T | 18.06T | 16.30T | 14.56T | 15.81T |
| EBITDA | 8.53T | 7.90T | 6.99T | 6.27T | 7.09T |
| Net Income | 5.85T | 5.08T | 4.59T | 4.11T | 4.41T |
Balance Sheet | |||||
| Total Assets | 0.00 | 10.00T> | 10.00T> | 10.00T> | 10.00T> |
| Cash, Cash Equivalents and Short-Term Investments | 0.00 | 10.00T> | 10.00T> | 10.00T> | 92.05T |
| Total Debt | 0.00 | 10.00T> | 10.00T> | 10.00T> | 10.00T> |
| Total Liabilities | -61.37T | 10.00T> | 10.00T> | 10.00T> | 10.00T> |
| Stockholders Equity | 61.37T | 57.89T | 56.69T | 52.52T | 48.53T |
Cash Flow | |||||
| Free Cash Flow | 0.00 | 3.39T | 3.43T | 4.26T | -2.50T |
| Operating Cash Flow | 0.00 | 4.02T | 4.11T | 4.76T | -2.03T |
| Investing Cash Flow | 0.00 | -3.83T | -3.52T | -19.64T | -3.86T |
| Financing Cash Flow | 0.00 | -1.98T | -1.24T | 15.18T | 10.82T |
Kb Financial Group Technical Analysis
Positive
86.50
Price Trends
104.48
Positive
95.93
Positive
89.09
Positive
Market Momentum
0.50
Negative
63.63
Neutral
96.07
Negative
Evaluating momentum and price trends is crucial in stock analysis to make informed investment decisions. For KB, the sentiment is Positive. The current price of 86.5 is below the 20-day moving average (MA) of 101.80, below the 50-day MA of 104.48, and below the 200-day MA of 89.09, indicating a bullish trend. The MACD of 0.50 indicates Negative momentum. The RSI at 63.63 is Neutral, neither overbought nor oversold. The STOCH value of 96.07 is Negative, not indicating any strong overbought or oversold conditions. Overall, these indicators collectively point to a Positive sentiment for KB.
Kb Financial Group Risk Analysis
Kb Financial Group disclosed 44 risk factors in its most recent earnings report. Kb Financial Group reported the most risks in the "Finance & Corporate" category.
Finance & Corporate - Financial and accounting risks. Risks related to the execution of corporate activity and strategy
Latest Risks Added 0 New Risks
Kb Financial Group Peers Comparison
UnderperformOutperform
Sector (68)
Name | Overall Rating | Market Cap | P/E Ratio | ROE | Dividend Yield | Revenue Growth | EPS Growth |
|---|---|---|---|---|---|---|---|
69 Neutral | $37.93B | 8.02 | 9.81% | 2.79% | -4.64% | 24.98% | |
69 Neutral | $33.23B | 11.54 | 9.88% | 2.76% | -0.81% | 20.34% | |
68 Neutral | $44.47B | 12.33 | 11.96% | 3.14% | 0.15% | 11.62% | |
68 Neutral | $18.00B | 11.42 | 9.92% | 3.81% | 9.73% | 1.22% | |
65 Neutral | $30.81B | 18.46 | 8.70% | 2.86% | -4.88% | 4.84% | |
65 Neutral | $16.79B | 6.51 | 9.31% | 3.71% | -2.90% | 16.10% | |
64 Neutral | $40.18B | 7.99 | 13.55% | 2.48% | 5.89% | 34.68% |
* Financial Sector Average
KB
Kb Financial Group
109.25
55.87
104.66%
BBD
Banco Bradesco SA
4.03
1.96
94.31%
FITB
Fifth Third Bancorp
49.31
16.64
50.94%
MTB
M&T Bank
219.92
66.60
43.44%
SHG
Shinhan Financial Group Co
67.31
34.85
107.36%
WF
Woori Finance Holdings Co
70.43
36.75
109.12%
Kb Financial Group Corporate Events
KB Financial Group Sets February 5, 2026 FY2025 Earnings Conference
Jan 21, 2026
On January 21, 2026, KB Financial Group Inc. announced that it will hold its FY2025 earnings conference on February 5, 2026, at 16:00 Korea time, providing a live webcast and conference call in both Korean and English with simultaneous interpretat...
KB Financial Group Announces Increased Stake by Korean National Pension Service
Jan 16, 2026
On January 16, 2026, KB Financial Group Inc. disclosed that its largest shareholder, the Korean National Pension Service, modestly increased its stake in the company between November 14 and December 31, 2025, raising its holdings from 32,666,149 c...
KB Financial Group Confirms KRW 660 Billion Treasury Share Cancellation for January 2026
Jan 9, 2026
On January 9, 2026, KB Financial Group Inc. announced an update to its previously disclosed plan to cancel a portion of its treasury shares, confirming that it intends to cancel 5,564,253 common shares with an estimated book value of about KRW 660...
KB Financial Group Ends Treasury Share Trust, Plans Cancellation After KRW 660 Billion Buyback
Jan 9, 2026
On January 9, 2026, KB Financial Group Inc. announced the termination of a trust agreement originally signed on July 24, 2025 with Hana Securities Co., Ltd. for the acquisition of treasury shares, following the scheduled expiration of the agreemen...
KB Financial Group Sets AGM Record Date for December 31, 2025
Dec 9, 2025
On December 9, 2025, KB Financial Group announced the record date for its annual general meeting of shareholders for the fiscal year 2025, set for December 31, 2025. This decision aligns with the company’s adherence to the Commercial Code an...
KB Financial Group Announces Record Date Plans for 2025 Dividends
Dec 9, 2025
On December 9, 2025, KB Financial Group Inc. announced that the record date for its annual cash dividends for fiscal year 2025 will be determined in February 2026, following a resolution by the Board of Directors. This decision, in accordance with...
KB Financial Group Announces KRW 300 Billion Interim Dividend
Dec 2, 2025
On December 2, 2025, KB Securities Co., Ltd., a subsidiary of KB Financial Group Inc., declared an interim cash dividend of KRW 1,004 per common share, totaling KRW 300 billion. The dividend will be paid entirely to KB Financial Group Inc., which ...
KB Financial Group’s Largest Shareholder Increases Stake
Nov 20, 2025
On November 20, 2025, KB Financial Group announced a change in the shareholding structure, with the Korean National Pension Service increasing its stake from 8.28% to 8.56% of the total shares. This adjustment in share ownership reflects a strateg...
KB Financial Group Reports Strong Q3 2025 Financials
Nov 14, 2025
On November 14, 2025, KB Financial Group filed its third quarter business report for 2025 with the Financial Services Commission of Korea and the Korea Exchange. The report, prepared under Korean IFRS, highlights the company’s financial perf...
Kookmin Bank Declares Interim Dividend for KB Financial Group
Oct 30, 2025
On October 29, 2025, the board of directors of Kookmin Bank, a subsidiary of KB Financial Group Inc., declared an interim cash dividend of KRW 2,480 per common share, amounting to a total of KRW 1,002,860,207,680. This dividend will be paid to KB ...
KB Financial Group Reports Q3 2025 Financial Results Amid Revenue Decline
Oct 30, 2025
On October 30, 2025, KB Financial Group announced its preliminary operating results for the third quarter of 2025, revealing a notable decline in operating revenue by 38.13% compared to the previous quarter. Despite this, the company experienced a...
KB Financial Group Sets Record Date for Q3 2025 Dividends
Oct 30, 2025
KB Financial Group Inc. has announced November 14, 2025, as the record date for its interim cash dividends for the third quarter of 2025. This decision, in line with Article 60 of its Articles of Incorporation, underscores the company’s comm...
KB Financial Group Declares Quarterly Dividend Amid Treasury Share Adjustments
Oct 30, 2025
On October 30, 2025, KB Financial Group’s board of directors declared a quarterly cash dividend of KRW 930 per common share, totaling approximately KRW 335.7 billion, assuming 361,001,975 shares are outstanding. The record date for the divid...
Glossary
BuyA stock rated as a "Buy" is expected to perform better than the overall market or a specific benchmark over the near-to-medium term. This rating suggests the stock is likely to deliver higher returns compared to other stocks in the same sector or market index. Note: This is not investment advice; please consult a financial advisor before making investment decisions.
HoldA stock rated as a "Hold" is expected to perform in line with the overall market or a specific benchmark. This rating indicates that the stock is neither particularly compelling nor unfavorable for investment. Note: This is not investment advice; please consult a financial advisor before making investment decisions.
SellA stock rated as a "Sell" is expected to perform worse than the overall market or a specific benchmark over the near-to-medium term. This rating suggests the stock may deliver lower returns compared to other stocks in the same sector or market index. Note: This is not investment advice; please consult a financial advisor before making investment decisions.
Disclaimer
This AI Analyst Stock Report is automatically generated by our AI systems using advanced algorithms and publicly available financial, technical, and market data. While the information provided aims to be accurate and insightful, it is intended for informational purposes only and should not be considered financial advice. Any content created by an AI (Artificial Intelligence) system may contain inaccuracies and/or contain errors. Investing in stocks carries inherent risks, and past performance is not indicative of future results. This report does not account for your personal financial circumstances, objectives, or risk tolerance. Always conduct your own research or consult with a qualified financial advisor before making investment decisions. The analysis and recommendations provided are based on historical and current data and may not fully reflect future market conditions or unexpected developments. Neither the creators of this report nor its affiliated entities guarantee the accuracy, completeness, or reliability of the information presented. Use this report at your own discretion and risk.