Kb Financial Group (KB) AI Stock Analysis

• Market Cap: $30.38B
• Dividend Yield: 2.5%
• Average Volume (3M): 216.51K
• Price to Earnings (P/E): 8.1
• Beta (1Y): 0.85
• Revenue Growth: -3.00%
• EPS Growth: 32.85%
• Country: US
• Employees: 141
• Sector: Financial
• Sector Strength: 79
• Industry: Banks - Regional
• EPS (TTM): 3.06
• Shares Outstanding: 381,462,100
• 10 Day Avg. Volume: 183,074
• 30 Day Avg. Volume: 216,514
• PEG Ratio: 0.60
• Price to Book (P/B): 0.48
• Price to Sales (P/S): 0.00
• P/FCF Ratio: 2.21
• Enterprise Value/Market Cap: N/A
• Enterprise Value/Revenue: N/A
• Enterprise Value/Gross Profit: N/A
• Enterprise Value/Ebitda: N/A
• 1Y Price Target: $91.00
• Price Target Upside: 7.41% Upside
• Rating Consensus: Moderate Buy
• Number of Analyst Covering: 0

• Rating: 78 Outperform
• Price Target: $91.00 ▲(7.41%Upside)

KB Financial Group is performing strongly with solid financial growth and bullish market momentum. The stock appears undervalued with a low P/E ratio and attractive dividend yield. Notable earnings call highlights include record profits and strong capital ratios, although some operational challenges persist.

Kb Financial Group Business Overview & Revenue Model

Company Description

KB Financial Group Inc. is a leading financial services provider in South Korea, offering a comprehensive range of products and services across diverse sectors including banking, investment, and insurance. As a prominent player in the financial industry, the company operates through its subsidiaries, which include KB Kookmin Bank, KB Securities, KB Insurance, and KB Card, among others. The group is committed to delivering innovative financial solutions to individual and corporate clients, leveraging its extensive network and expertise.

How the Company Makes Money

KB Financial Group generates revenue primarily through its banking operations, which include interest income from loans and deposits, as well as fees from various banking services. Another significant revenue stream comes from its insurance business, which involves the collection of premiums from policyholders and investment income from their reserves. The group's investment and securities division also contributes to its earnings through brokerage fees, asset management services, and proprietary trading. KB Financial Group benefits from strategic partnerships and a strong domestic market presence, which enhance its ability to attract and retain customers across its different financial segments.

Kb Financial Group Financial Statement Overview

Summary

KB Financial Group shows solid revenue growth and profitability despite some operational efficiency variances. The stable balance sheet is slightly offset by increased leverage, and recent challenges in cash flow management demand attention.

Income Statement

The company's revenue has shown solid growth over the years, with a notable increase from 2023 to 2024. The gross profit margins are strong, reflecting efficient cost management. However, EBIT margin fluctuated, indicating some inconsistency in operational efficiency.

Balance Sheet

The debt-to-equity ratio indicates a moderate level of leverage, typical of regional banks, but it has increased slightly over the years. The return on equity is satisfactory, showing good profitability relative to equity. The equity ratio is stable, suggesting a balanced approach to asset financing.

Cash Flow

The company experienced fluctuations in free cash flow, with a significant decline in the latest period. The operating cash flow was negative for 2024, which could pose sustainability concerns if it persists. The free cash flow to net income ratio indicates that the cash generation from operations is not currently supporting net income effectively.

Breakdown	TTM	Dec 2024	Dec 2023	Dec 2022	Dec 2021	Dec 2020
Income Statement
Total Revenue	31.55T	15.01T	13.08T	16.68T	17.04T	15.05T
Gross Profit	32.86T	15.01T	13.03T	12.09T	13.30T	15.05T
EBITDA	8.76T	7.90T	6.99T	6.27T	7.09T	0.00
Net Income	5.73T	5.08T	4.63T	4.15T	4.41T	3.47T
Balance Sheet
Total Assets	10.00T>	10.00T>	10.00T>	10.00T>	10.00T>	10.00T>
Cash, Cash Equivalents and Short-Term Investments	10.00T>	10.00T>	10.00T>	90.36T	92.43T	88.54T
Total Debt	10.00T>	10.00T>	10.00T>	10.00T>	10.00T>	90.35T
Total Liabilities	10.00T>	10.00T>	10.00T>	10.00T>	10.00T>	92.39T
Stockholders Equity	58.23T	57.89T	56.93T	48.36T	47.46T	42.50T
Cash Flow
Free Cash Flow	-16.05T	-20.14T	3.43T	5.15T	-7.18T	-12.15T
Operating Cash Flow	-15.57T	-19.80T	4.11T	5.69T	-6.70T	-11.54T
Investing Cash Flow	-1.27T	-3.83T	-3.52T	-20.29T	-3.86T	-10.99T
Financing Cash Flow	16.20T	21.84T	-1.24T	31.75T	43.32T	25.26T

Kb Financial Group Technical Analysis

• Technical Analysis Sentiment: Positive
• Last Price: 84.72
• 50DMA: Positive
• 100DMA: Positive
• 200DMA: Positive
• MACD: Positive
• RSI: Neutral
• STOCH: Neutral

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 84.72 is above the 20-day moving average (MA) of 82.34, above the 50-day MA of 75.78, and above the 200-day MA of 64.32, indicating a bullish trend. The MACD of 2.92 indicates Positive momentum. The RSI at 62.77 is Neutral, neither overbought nor oversold. The STOCH value of 46.03 is Neutral, not indicating any strong overbought or oversold conditions. Overall, these indicators collectively point to a Positive sentiment for KB.

Kb Financial Group Peers Comparison

Name	Overall Rating	Market Cap	P/E Ratio	ROE	Dividend Yield	Revenue Growth	EPS Growth
FITB	80 Outperform	$29.21B	13.90	11.71%	3.38%	5.75%	0.68%
KB	78 Outperform	$30.38B	8.07	10.66%	2.50%	-3.00%	32.85%
WF	74 Outperform	$13.90B	7.05	9.43%	2.44%	-0.86%	13.17%
SHG	71 Outperform	$25.79B	7.83	8.79%	2.60%	-3.37%	4.50%
BBD	70 Outperform	$28.47B	9.21	10.61%	0.93%	-9.78%	27.43%
BSBR	70 Outperform	$18.69B	15.62	10.89%	5.41%	-3.94%	31.52%
Sector *	61 Neutral	C$14.67B	6.37	22.27%	5.55%	29.68%	-22.81%