KBC Group (KBCSY) AI Stock Analysis

• Market Cap: $50.70B
• Dividend Yield: 4.76%
• Average Volume (3M): 15.52K
• Price to Earnings (P/E): 12.1
• Beta (1Y): 0.68
• Revenue Growth: -5.87%
• EPS Growth: 28.80%
• Country: US
• Employees: 32,764
• Sector: Financial
• Sector Strength: 70
• Industry: Banks - Regional
• EPS (TTM): 1.43
• Shares Outstanding: 835,088,300
• 10 Day Avg. Volume: 0
• 30 Day Avg. Volume: 15,516
• PEG Ratio: 1.56
• Price to Book (P/B): 1.23
• Price to Sales (P/S): 2.72
• P/FCF Ratio: 3.52
• Enterprise Value/Market Cap: 1.70
• Enterprise Value/Revenue: 3.55
• Enterprise Value/Gross Profit: 7.42
• Enterprise Value/Ebitda: 18.82
• 1Y Price Target: N/A
• Price Target Upside: N/A
• Rating Consensus: N/A
• Number of Analyst Covering: 0
• EPS Forecast (FY): N/A
• Revenue Forecast (FY): N/A

• Rating: 74 Outperform
• Price Target: $69.00 ▲(19.48% Upside)

KBC Group's overall stock score is driven by strong earnings call results and a solid valuation, indicating confidence in future performance. Financial performance is stable but faces challenges with cash flow volatility and revenue growth. Technical indicators support a positive trend, enhancing the stock's attractiveness.

KBC Group Business Overview & Revenue Model

Company Description

KBC Group is a leading integrated bank-insurer headquartered in Brussels, Belgium. The company operates primarily in Belgium and Central and Eastern Europe, providing a wide range of financial services including retail banking, insurance, and asset management. KBC offers products such as personal loans, mortgages, credit cards, investment funds, life and non-life insurance, as well as corporate banking services. The group's focus is on delivering comprehensive financial solutions that cater to the needs of both individual and corporate clients.

How the Company Makes Money

KBC Group generates revenue through various channels, primarily from its banking and insurance operations. The bank earns interest income from loans and advances made to customers, which constitutes a significant portion of its revenue. Additionally, KBC receives fees and commissions from services such as asset management, investment advisory, and transaction services. The insurance segment contributes through premiums collected from policyholders and investment income from the management of insurance funds. Furthermore, KBC has established partnerships with various businesses and financial institutions, enhancing its ability to cross-sell products and expand its customer base, which further strengthens its revenue streams.

KBC Group Financial Statement Overview

Summary

KBC Group demonstrates a mixed financial performance. The income statement shows strong net profit margins but some volatility in revenue and net income. The balance sheet is robust with no debt, indicating low financial risk, though the ROE suggests room for improvement. Cash flow challenges with negative operating cash flow highlight potential liquidity constraints.

Income Statement

The income statement demonstrates moderate performance with a net profit margin of 27.26% in TTM and consistent revenue growth over the years. However, the recent decline in total revenue and net income compared to the previous annual data indicates some volatility. The gross profit margin remains strong, but the absence of EBITDA data limits the analysis of operating efficiency.

Balance Sheet

The balance sheet is robust, marked by a strong equity position with an equity ratio of 6.6% in TTM. The company maintains a healthy debt position with no total debt in TTM, indicating low financial risk. However, the relatively low return on equity (ROE) of 12.77% in TTM suggests room for improvement in generating shareholder returns.

Cash Flow

The cash flow statement reveals challenges with negative operating cash flow in TTM, indicating potential liquidity constraints. Despite this, the company managed a positive free cash flow in previous years. The free cash flow to net income ratio is currently negative, highlighting pressures on cash generation from operations.

Breakdown	TTM	Dec 2024	Dec 2023	Dec 2022	Dec 2021	Dec 2020
Income Statement
Total Revenue	24.19B	25.32B	25.47B	16.13B	9.35B	8.95B
Gross Profit	11.59B	11.15B	10.77B	10.06B	7.48B	7.15B
EBITDA	4.57B	4.40B	4.83B	4.02B	3.90B	2.43B
Net Income	3.55B	3.42B	3.40B	2.82B	2.61B	1.44B
Balance Sheet
Total Assets	390.67B	373.05B	346.92B	354.55B	340.35B	320.74B
Cash, Cash Equivalents and Short-Term Investments	36.04B	46.83B	34.53B	51.43B	40.66B	24.59B
Total Debt	26.41B	27.96B	26.21B	18.98B	20.09B	18.92B
Total Liabilities	364.44B	348.74B	322.66B	332.73B	317.27B	299.21B
Stockholders Equity	26.20B	24.31B	24.26B	21.82B	23.08B	21.53B
Cash Flow
Free Cash Flow	6.23B	8.47B	-21.55B	10.85B	13.11B	25.37B
Operating Cash Flow	7.62B	9.85B	-20.19B	11.77B	14.04B	26.37B
Investing Cash Flow	-4.31B	-86.00M	1.98B	-4.96B	822.00M	-7.25B
Financing Cash Flow	-2.23B	-1.69B	5.02B	-3.38B	-448.00M	451.00M

KBC Group Technical Analysis

• Technical Analysis Sentiment: Positive
• Last Price: 57.75
• 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 KBCSY, the sentiment is Positive. The current price of 57.75 is below the 20-day moving average (MA) of 60.79, below the 50-day MA of 59.39, and above the 200-day MA of 51.62, indicating a neutral trend. The MACD of 0.48 indicates Positive momentum. The RSI at 52.50 is Neutral, neither overbought nor oversold. The STOCH value of 16.91 is Positive, not indicating any strong overbought or oversold conditions. Overall, these indicators collectively point to a Positive sentiment for KBCSY.

KBC Group Peers Comparison

Name	Overall Rating	Market Cap	P/E Ratio	ROE	Dividend Yield	Revenue Growth	EPS Growth
PNC	77 Outperform	$73.93B	12.16	11.31%	3.50%	1.79%	30.93%
USB	75 Outperform	$74.27B	10.94	11.69%	4.23%	2.91%	33.77%
ITUB	74 Outperform	$74.83B	10.18	19.90%	6.13%	11.82%	3.41%
KBCSY	74 Outperform	$50.70B	12.12	15.22%	4.76%	-5.87%	28.80%
Sector *	68 Neutral	$18.00B	11.42	9.92%	3.81%	9.73%	1.22%
LYG	64 Neutral	$67.11B	15.33	7.85%	3.67%	-20.94%	-18.71%
MFG	62 Neutral	$85.51B	14.92	9.14%	2.96%	-2.84%	25.48%

KBC Group Corporate Events

KBC Group Reports Strong Q3 2025 Earnings

KBC Group is a prominent financial institution operating in the banking and insurance sectors, known for its innovative digital solutions and strong presence in European markets.

KBC Group’s Earnings Call: Strong Growth and Optimism

KBC Group’s recent earnings call showcased a robust financial performance, marked by significant increases in net results, loan growth, and insurance performance. The company has expressed confidence in its operations by adjusting its guidance upward. Despite challenges such as the impact of inflation-linked bonds and potential regulatory changes, the positive aspects of the earnings call significantly outweigh the challenges, reflecting an overall optimistic sentiment.