57/100B117.460
USD
3.90
(3.43%)
Market Closed
Last updated: · Delayed 15 min
Fair value175.83-33%152Price 117.46261
Q4 FY2026 · Earnings report
EPS estimate 1.78Revenue estimate 3.26B
Q4 FY2026 · Earnings report
EPS estimate 1.78Revenue estimate 3.26B
Fair value175.83-33%152Price 117.46261
Q4 FY2026 · Earnings report
EPS estimate 1.78Revenue estimate 3.26B
Q4 FY2026 · Earnings report
EPS estimate 1.78Revenue estimate 3.26B
If you had invested in KB Financial Group ago, it would be worth $4,880 today, against $4,081 in SPY and $6,291 in QQQ.
Arincen ScoreWhat is the Arincen Score? The Arincen Score grades a company out of 100 from 30 checks on its own reported figures, five checks in each of six parts.Beta
57/100
Six parts of the company, five checks each, from its own reported figures. A part scores the checks it passes out of 10; the score is their average out of 100.
Profitability6
Plus shows the checks behind each part of the score, what passed, what failed and the figure it read, for every stock.
Cash2.5
Plus shows the checks behind each part of the score, what passed, what failed and the figure it read, for every stock.
Valuation3.3
Plus shows the checks behind each part of the score, what passed, what failed and the figure it read, for every stock.
Growth7.5
Plus shows the checks behind each part of the score, what passed, what failed and the figure it read, for every stock.
Financial strength5
Plus shows the checks behind each part of the score, what passed, what failed and the figure it read, for every stock.
Shareholders10
Plus shows the checks behind each part of the score, what passed, what failed and the figure it read, for every stock.
Figures to FY2025; the price as of today.
KB Financial Group key facts
- StyleWhat does a stock's style mean? The style label sorts a stock as growth, value, dividend, blend or speculative, with a 1 to 10 meter showing how strongly it fits.
- Growth stock · 8.1/10Growth 8.1 · Value 4.6 · Dividend 6.2
- Day range
- 117.160 – 118.620
- 52-week range
- 81.360 – 133.290
- Market capitalizationWhat is market capitalization? Market cap is what the stock market values a whole company at: its share price times the number of its shares outstanding.
- 41.51B USD
- P/EWhat is the P/E ratio? The P/E ratio divides a share's price by its earnings per share over the last year: what you pay for each dollar of profit.
- 8.63
- EPSWhat is EPS (earnings per share)? EPS (earnings per share) is a company's net income divided by its number of shares: the profit that belongs to each share over a period.
- 13.61
- Div YieldWhat is dividend yield? Dividend yield is a year of dividends as a percentage of the share price: the income a shareholder receives for each dollar invested at today's price.
- 2.82%
- Volume
- 6,734
- BetaWhat is beta in stocks? Beta measures how much a stock tends to move when the whole market moves: 1 moves with it, under 1 is calmer, over 1 swings more.
- 0.67
- ESG scoreWhat is an ESG score? An ESG score rates how a company handles the environment, its people and its governance, out of 100. Higher is better.
- 77.3/100Environment 84 · Social 84 · Governance 64
- Sector
- Financial Services
- Industry
- Banks - Regional
- CEO
- Jong Hee Yang
- Employees
- 141
- Website
- kbfg.com
- IPO date
- 13 Nov 2001
KB Financial Group earningsWhat is an earnings surprise? An earnings surprise is how far a company's reported EPS or revenue came above or below the analysts' average estimate, in percent.
Next earnings · Q4 FY2026
EPS estimate
1.78 USD
Revenue estimate
3.26B USD
Last quarter · Q3 FY2026
EPS3.93Beat +7.4%Revenue3.47BMissed -1.8%
Revenue
ReportedEstimate
EPS
ReportedEstimate
| Period | Report date | EPS estimate | Reported EPS | Surprise | EPS growth | Revenue estimate | Reported revenue | Surprise | Revenue growth |
|---|---|---|---|---|---|---|---|---|---|
| Q4 FY2026 | 1.78 | — | — | +39.06% | 3.26B | — | — | +6.29% | |
| Q3 FY2026 | 3.66 | 3.93 | +7.38% | +22.43% | 3.53B | 3.47B | -1.84% | +13.87% | |
| Q2 FY2026 | 3.51 | 3.74 | +6.55% | +18.35% | 3.28B | 3.49B | +6.52% | +5.21% | |
| Q1 FY2026 | 3.31 | 3.49 | +5.44% | +15.56% | 3.23B | 1.80B | -44.38% | -72.47% | |
| Q4 FY2025 | 1.09 | 1.28 | +17.43% | +5.79% | 2.65B | 3.07B | +15.75% | +21.17% | |
| Q3 FY2025 | 3.12 | 3.21 | +2.88% | +6.29% | 3.15B | 3.05B | -3.39% | -6.68% | |
| Q2 FY2025 | 3.19 | 3.16 | -0.94% | +3.27% | 3.24B | 3.32B | +2.53% | +0.73% |
| Period | EPS estimate | Reported EPS | Surprise | EPS growth | Revenue estimate | Reported revenue | Surprise | Revenue growth |
|---|---|---|---|---|---|---|---|---|
| FY2025 | 10.64 | 10.67 | +0.31% | +15.98% | 11.94B | 15.95B | +33.60% | +29.73% |
| FY2024 | 9.28 | 9.20 | -0.85% | +4.31% | 12.07B | 12.30B | +1.91% | -22.21% |
| FY2023 | 9.24 | 8.82 | -4.51% | +4.38% | 12.27B | 15.81B | +28.86% | +6.68% |
| FY2022 | 8.93 | 8.45 | -5.36% | -12.34% | 11.72B | 14.82B | +26.39% | -18.55% |
KB Financial Group analyst forecastWhat is the analyst rating? The analyst rating sums up what the analysts covering a stock recommend, from strong buy to strong sell, by the share of them rating it a buy.
Strong sellStrong buy
Hold
6 ratings
| Buy | 2 | |
| Hold | 4 | |
| Sell | 0 |
KB Financial Group valuationWhat is the P/E ratio? The P/E ratio divides a share's price by its earnings per share over the last year: what you pay for each dollar of profit.
- Price to earnings ratio (TTM)What is the P/E ratio? The P/E ratio divides a share's price by its earnings per share over the last year: what you pay for each dollar of profit.
- 8.63
- Forward P/E (FY2026)What is the forward P/E ratio? Forward P/E divides a share's price by the earnings per share analysts expect in the coming year, rather than last year's actual earnings.
- 8.28
- Price to sales (TTM)What is the P/S ratio? The price-to-sales ratio compares a company's market value with its revenue over the last year: what you pay for each dollar of sales.
- 1.20
- Price to bookWhat is the P/B ratio? The price-to-book ratio compares a company's market value with its book value, the shareholders' equity on its balance sheet.
- 0.91
- EV / EBITDA (TTM)What is EV/EBITDA? EV/EBITDA compares a company's whole value, debt included and cash taken off, with a year of its earnings before interest, tax and depreciation.
- 21.86
Capital structureWhat is enterprise value? Enterprise value is what the whole business costs: the market value of its shares plus its debt minus its cash. It is the price behind EV/EBITDA.
Market capitalization
41.51B USD
+
Total debt
118.63B USD
−
Cash and short-term investments
0.00 USD
=
Enterprise value
160.13B USD
Valuation over time
KB Financial Group against its own historyWhat does "against its own history" show? The company's latest margins, return on equity, growth, debt and P/E against its own last 5 years: the low, the median and the high, and whether this year is better or worse than usual.
Each figure in the latest fiscal year against the same figure from FY2021 to FY2025: the range, its median (the line) and the latest (the dot, green on the good side of the median). The P/E is today's against its daily readings of five years.
Its peers: Fifth Third Bancorp, M&T Bank, Huntington Bancshares, Citizens Financial Group, Truist Financial, and First Citizens BancShares, the US Banks - Regional companies closest to it in size, each in its own latest fiscal year: their median (the line) and its rank among them, first being the best.
- P/E (today)Above its median8.63.411.8
- Gross marginAt its median49.1%44.8%75.4%Against its peers: 7 of 7Peers' median 63.8%
- Operating marginBelow its median16.8%16.8%29.0%Against its peers: 7 of 7Peers' median 21.2%
- Net marginLowest in 5 years11.5%11.5%21.0%Against its peers: 7 of 7Peers' median 17.6%
- Return on equityHighest in 5 years9.5%7.8%9.5%Against its peers: 4 of 7Peers' median 9.4%
- Free cash flow marginBelow its median7.2%-11.9%16.6%Against its peers: 7 of 7Peers' median 18.6%
- Revenue growthAbove its median34.2%3.7%42.0%Against its peers: 1 of 7Peers' median -2.2%
- EPS growthAbove its median20.1%-7.3%24.7%Against its peers: 2 of 7Peers' median 13.8%
- Debt to EBITDALowest in 5 years0.00×0.00×24.35×Against its peers: 1 of 7Peers' median 4.69×
Peers: US companies of the same industry (of its sector when the industry has too few) from a tenth to ten times its market value, the six closest in size. Updated weekly.
KB Financial Group growth and profitabilityWhat are gross, operating and net profit margins? A profit margin is the share of revenue kept as profit: gross margin after the cost of sales, operating margin after running costs, net margin after all costs.
- Revenue (TTM)What does TTM (trailing twelve months) mean? TTM (trailing twelve months) is a figure over the latest twelve months of reports: usually the last four quarters added together.
- 46.20T KRW
- Net income (TTM)What is an income statement? The income statement shows a company's revenue, costs and profit over a quarter or a year, from sales at the top to net income at the bottom.
- 6.53T KRW
- Gross marginWhat are gross, operating and net profit margins? A profit margin is the share of revenue kept as profit: gross margin after the cost of sales, operating margin after running costs, net margin after all costs.
- 54.62%
- Operating margin
- 20.14%
- Net margin
- 14.13%
Revenue / Net income
Revenue Net income Net margin
KB Financial Group revenue breakdown
By region
FY2025
91.6%South Korea3.9%Cambodia1.8%Indonesia1.4%Other Countries
| Region | Revenue | Share of revenue | Change on the year |
|---|---|---|---|
| South Korea | 16.37T | 91.6% | +5.4% |
| Cambodia | 690.87B | 3.9% | +16.0% |
| Indonesia | 320.42B | 1.8% | -0.1% |
| Other Countries | 245.73B | 1.4% | +22.3% |
| China | 165.71B | 0.9% | -1.1% |
| United States | 79.62B | 0.4% | -38.0% |
| New Zealand | 1.01B | 0.0% | -91.9% |
How KB Financial Group makes its moneyWhat is an income statement? The income statement shows a company's revenue, costs and profit over a quarter or a year, from sales at the top to net income at the bottom.
Revenue50.69T 100.0%
Cost of revenue25.82T 50.9%
Gross profit24.86T 49.1%
Selling and administration7.05T 13.9%
Other operating expenses9.28T 18.3%
Operating income8.53T 16.8%
Tax2.35T 4.6%
Other expense334.57B 0.7%
Net income5.85T 11.5%
FY2025, in KRW. Each band is as wide as its money; the percentage is its share of revenue.
FY2025, in KRW. Each band is as wide as its money; the percentage is its share of revenue.
KB Financial Group dividendsWhat is dividend yield? Dividend yield is a year of dividends as a percentage of the share price: the income a shareholder receives for each dollar invested at today's price.
- Annual dividend
- 3.32 USD
- Dividend yield (indicated)What is dividend yield? Dividend yield is a year of dividends as a percentage of the share price: the income a shareholder receives for each dollar invested at today's price.
- 2.82%
- Payout ratioWhat is the payout ratio? The payout ratio is the share of a company's earnings paid out as dividends: dividends per share divided by earnings per share (EPS).
- 19.66%
- Years of dividend growthWhat are years of dividend growth? The years in a row a company has raised its dividend per share. 25 years make an S&P 500 company a Dividend Aristocrat; 50 make a Dividend King.
- 4
- Frequency
- Quarterly
- Last payment
- 0.83 USD
- Last ex-dividend dateWhat is the ex-dividend date? The ex-dividend date is the first day a stock trades without its next dividend: buy before it to receive the payment; buy on or after it and the seller gets it.
- 6 Aug 2026
- Last payment date
- 28 Aug 2026
Dividends per share
KB Financial Group financial health
- Cash and short-term investments
- 0.00 KRW
- Total debt
- 158.37T KRW
- Net cash
- -158.37T KRW
- Free cash flow (TTM)What is free cash flow (FCF)? Free cash flow is the cash a company's operations bring in minus what it spends on long-term assets (capex): cash left for debt, dividends and buybacks.
- -2.80T KRW
- Debt to equityWhat is the debt to equity ratio? Debt to equity is a company's total debt divided by its shareholders' equity: how much it has borrowed for each dollar its owners have in the business.
- 2.60
- Piotroski scoreWhat is the Piotroski F-Score? The Piotroski F-Score rates a company's financial strength from 0 to 9: one point for each of nine tests of profit, debt and efficiency it passes.
- 4 / 9
- Altman Z-scoreWhat is the Altman Z-Score? The Altman Z-Score rolls five financial ratios into one number that signals a company's risk of bankruptcy: over 3 is safe, under 1.8 is distress.
- 0.20
Cash, debt and free cash flow
Cash and short-term investments Total debt Free cash flow
KB Financial Group ownershipWhat is institutional ownership? Institutional ownership is the share of a company's stock held by funds, banks and other investment managers, as they report it each quarter on Form 13F.
- InstitutionsWhat is institutional ownership? Institutional ownership is the share of a company's stock held by funds, banks and other investment managers, as they report it each quarter on Form 13F.
- 6.47%
- Institutional holders
- 372 (+28)
- Free floatWhat is free float? Free float is the part of a company's shares that anyone can buy and sell: all its shares minus those held by insiders, founders and owners of over 5%.
- 100.00%
Who owns the shares
Institutions 6.5% Others 93.5%
As of 30 Jun 2026
Shares free to trade
Free float 353.39M shares ·100.0% Closely held 353.00 shares ·0.0%
Closely held shares belong to insiders, founders and owners of more than 5%, and seldom change hands. The free float is the rest: the shares anyone can buy and sell.
Shares outstanding
Basic shares Diluted shares Change in diluted shares
Source: Financial Modeling Prep
Title: KB Financial Group
Sector: Financial Services
Industry: Banks - Regional
KB Financial Group Inc. is a financial holding company in Korea. The company operations include Kookmin Bank, one of the commercial banks in Korea. The company's subsidiaries collectively engage in a broad range of businesses, including commercial banking, credit cards, asset management, non-life and life insurance, capital markets activities, and international banking and finance. The company's segments include the Banking business, Securities business, Non-life Insurance business, Credit card business, and Life Insurance business. The Group generates the majority of its revenue from the Banking business.