Kb Financial Group (KB) AI Stock Analysis

• Market Cap: $30.30B
• Dividend Yield: 2.24%
• Average Volume (3M): 119.43K
• Price to Earnings (P/E): 7.8
• Beta (1Y): 0.90
• Revenue Growth: -4.64%
• EPS Growth: 24.98%
• Country: US
• Employees: 141
• Sector: Financial
• Sector Strength: 70
• Industry: Banks - Regional
• EPS (TTM): 3.26
• Shares Outstanding: 381,462,100
• 10 Day Avg. Volume: 143,381
• 30 Day Avg. Volume: 119,429
• PEG Ratio: 0.56
• Price to Book (P/B): 0.55
• Price to Sales (P/S): 0.84
• P/FCF Ratio: 9.36
• Enterprise Value/Market Cap: 4.27
• Enterprise Value/Revenue: <0.01
• Enterprise Value/Gross Profit: <0.01
• Enterprise Value/Ebitda: 0.02
• 1Y Price Target: $105.84
• Price Target Upside: 26.26% Upside
• Rating Consensus: Moderate Buy
• Number of Analyst Covering: 1
• EPS Forecast (FY): 10.95
• Revenue Forecast (FY): $12.21B

• Rating: 70 Outperform
• Price Target: $100.00 ▲(19.29% Upside)

KB Financial Group's overall stock score is driven by strong financial performance and valuation metrics, despite challenges with leverage and cash flow. The technical analysis indicates bullish momentum, but overbought conditions suggest caution. The earnings call provided a balanced view with both positive growth and some concerns.

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 Business, Non-life Insurance Business, Credit Card Business, and Life Insurance Business segments. It offers loans, deposit products, and other related financial products and services to large, small, and medium-sized enterprises, as well as small and home office, and individuals and households; investment banking, and brokerage and supporting services; life insurance products; non-life insurance products; and credit sale, cash service, card loan, and other supporting services. The company also engages in securities and derivatives trading, funding, and other supporting activities. In addition, it offers foreign exchange transaction; financial investment; credit card and installment financing; financial leasing; real estate trust management; capital investment; collection of receivables or credit investigation; software advisory, development, and supply; investment advisory; claim; management; savings banking; information and communication; and general advisory services. The company was incorporated in 2008 and is headquartered in Seoul, South Korea.

How the Company Makes Money

Kb Financial Group generates revenue through multiple key streams. Primarily, the company earns money from interest income generated by its banking operations, particularly through loans and mortgages offered by KB Kookmin Bank. Additionally, KB receives fee income from various services, including transaction fees, investment banking services, and wealth management offerings. Insurance premiums collected from KB Insurance represent another significant revenue source. The company also benefits from asset management fees associated with managing investment funds and portfolios. Strategic partnerships with financial institutions and companies further enhance its revenue through syndication fees and collaborative financial products. Overall, KB Financial Group's diversified revenue model allows it to maintain a stable income base while adapting to market changes.

Kb Financial Group Financial Statement Overview

Summary

KB Financial Group shows strong revenue growth and operational efficiency with a high gross profit margin. However, the company faces challenges with high leverage and negative cash flows, which could pose financial risks. Improvement in cash flow management and debt reduction are necessary for enhanced financial stability.

Income Statement

The income statement shows strong revenue growth with a 28.48% increase in TTM, indicating robust business expansion. Gross profit margin is high at 104.16%, reflecting efficient cost management. However, the net profit margin is moderate at 18.15%, suggesting room for improvement in profitability. EBIT and EBITDA margins are healthy, indicating strong operational performance.

Balance Sheet

The balance sheet reveals a high debt-to-equity ratio of 2.42, indicating significant leverage which could pose financial risks. Return on equity is moderate at 10.13%, showing decent profitability relative to equity. The equity ratio is stable, suggesting a balanced asset structure.

Cash Flow

Cash flow analysis highlights negative operating and free cash flows, indicating potential liquidity issues. The free cash flow to net income ratio is slightly above 1, suggesting that free cash flow covers net income, but the negative growth rate of free cash flow is concerning.

Breakdown	TTM	Dec 2024	Dec 2023	Dec 2022	Dec 2021	Dec 2020
Income Statement
Total Revenue	32.19T	37.77T	36.41T	25.64T	20.97T	19.81T
Gross Profit	17.62T	18.06T	16.30T	14.56T	15.81T	14.01T
EBITDA	6.49T	7.90T	6.99T	6.27T	7.09T	5.83T
Net Income	5.80T	5.08T	4.59T	4.11T	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	0.00	10.00T>	10.00T>	10.00T>	92.05T	88.54T
Total Debt	10.00T>	10.00T>	10.00T>	10.00T>	10.00T>	10.00T>
Total Liabilities	10.00T>	10.00T>	10.00T>	10.00T>	10.00T>	10.00T>
Stockholders Equity	59.58T	57.89T	56.69T	52.52T	48.53T	42.54T
Cash Flow
Free Cash Flow	-9.63T	3.39T	3.43T	4.26T	-2.50T	-9.02T
Operating Cash Flow	-9.08T	4.02T	4.11T	4.76T	-2.03T	-8.41T
Investing Cash Flow	-1.70T	-3.83T	-3.52T	-19.64T	-3.86T	-10.99T
Financing Cash Flow	9.28T	-1.98T	-1.24T	15.18T	10.82T	25.26T

Kb Financial Group Technical Analysis

• Technical Analysis Sentiment: Positive
• Last Price: 83.83
• 50DMA: Positive
• 100DMA: Positive
• 200DMA: Positive
• MACD: Positive
• RSI: Neutral
• STOCH: Positive

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 83.83 is below the 20-day moving average (MA) of 84.54, above the 50-day MA of 83.22, and above the 200-day MA of 72.79, indicating a neutral trend. The MACD of 1.21 indicates Positive momentum. The RSI at 48.15 is Neutral, neither overbought nor oversold. The STOCH value of 14.06 is Positive, 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
MTB	74 Outperform	$28.07B	11.25	9.60%	3.05%	-0.81%	20.34%
FITB	72 Outperform	$27.42B	12.36	11.52%	3.64%	0.15%	11.62%
BBD	71 Outperform	$34.76B	10.16	11.78%	1.80%	5.89%	34.68%
KB	70 Outperform	$30.30B	7.79	9.99%	2.24%	-4.64%	24.98%
SHG	70 Outperform	$24.76B	7.83	8.58%	3.07%	-4.88%	4.84%
Sector *	68 Neutral	$18.00B	11.42	9.92%	3.81%	9.73%	1.22%
WF	63 Neutral	$12.97B	6.00	9.61%	3.38%	-2.90%	16.10%

Kb Financial Group Corporate Events

KB Financial Group Reports Strong Q3 2025 Financials

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 performance, showing a robust asset base of KRW 796 trillion as of September 30, 2025. This filing underscores KB Financial Group’s stable financial position and its adherence to regulatory standards, which is crucial for maintaining investor confidence and industry standing.

Kookmin Bank Declares Interim Dividend for KB Financial Group

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 Financial Group Inc., which holds all common shares of Kookmin Bank, with payment scheduled for November 14, 2025. This decision reflects the bank’s adherence to its Articles of Incorporation and demonstrates its commitment to returning value to its parent company.

KB Financial Group Reports Q3 2025 Financial Results Amid Revenue Decline

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 9.47% increase in net operating profit from the second quarter of 2025, indicating resilience in its core operations. The results, still subject to auditor review, highlight the company’s ability to maintain profitability amidst revenue challenges, which may reassure stakeholders of its strategic positioning in the competitive financial sector.

KB Financial Group Sets Record Date for Q3 2025 Dividends

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 commitment to returning value to its shareholders, with dividends determined based on the specified record date without closing the shareholders’ registry.

KB Financial Group Declares Quarterly Dividend Amid Treasury Share Adjustments

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 dividend is set for November 14, 2025, with payment expected within a month, subject to adjustments based on the actual number of shares outstanding due to treasury share acquisitions.

KB Financial Group Updates on Share Buyback Progress

On October 28, 2025, KB Financial Group announced interim results for its share buyback program, which began on July 24, 2025. The program involves acquiring treasury shares through a trust agreement with Hana Securities Co., Ltd. As of October 24, 2025, KB Financial Group had acquired 2,870,000 common shares, representing 0.75% of total issued shares, bringing the total treasury shares held to 5.29% of the company’s issued shares. This ongoing acquisition is part of the company’s strategy to optimize its capital structure and potentially enhance shareholder value.

KB Financial Group Reports Change in Largest Shareholder’s Stake

On October 21, 2025, KB Financial Group Inc. announced a decrease in the number of shares owned by its largest shareholder, the Korean National Pension Service. The shares decreased from 31,844,527 to 31,601,545, representing a slight drop in ownership from 8.35% to 8.28% of the total shares. This change reflects a minor adjustment in the shareholder composition of KB Financial Group, which may have implications for the company’s governance and stakeholder dynamics.

KB Financial Group to Host Q3 2025 Earnings Conference

KB Financial Group Inc. announced that it will hold its 2025 Third Quarter Earnings Conference on October 30, 2025. The event will be available via live webcast and conference call in both Korean and English, providing stakeholders with insights into the company’s financial performance and strategic direction. This conference is a significant event for investors and analysts as it offers a detailed overview of the company’s quarterly earnings and allows for direct engagement through a Q&A session.