KB Financial Group Inc. KB FINANCIAL
Company Overview
KB Financial Group Inc. provides financial products and services in South Korea, the United States, New Zealand, China, Cambodia, the United Kingdom, Indonesia, and internationally. The company offers deposit products, such as demand and time deposits, certificates of deposit, foreign currency deposits, and savings deposits for housing subscription; loan products, including mortgage loans to finance home purchases, construction, improvements, or rentals; and home equity loans, overdraft loans, and other consumer loans. It also provides debit and credit cards; working capital loans and facility loans; mortgage loans to home builders or developers; securities underwriting; financing and financial advisory services for mergers and acquisitions; project finance and financial advisory services for social overhead capital projects such as highway, port, power, water, and sewage projects; financing and financial advisory services for real estate development projects; and structured finance. In addition, the company offers brokerage services for stocks, futures, options, equity, derivative-linked securities, and debt instruments; foreign exchange services and derivatives dealing; import and export-related services; offshore lending, syndicated loans, and foreign currency securities investment; and trust account management services. Further, it provides long-term insurance products, automobile insurance products, and general property and casualty insurance products; life insurance comprising annuities, savings insurance, variable life insurance, whole life insurance, term life insurance, and health insurance; bancassurance; consumer finance services; and mortgage financing and construction loans. Additionally, the company is involved in real estate trust management; capital investment; and software advisory, development, and supply. KB Financial Group Inc. was founded in 1963 and is headquartered in Seoul, South Korea.
Why Investors Should Care
Net profit has compounded at 12.4% per year over the last five years.
Trades at a P/E of 10.5, below the sector median of 12.9.
Maintains a net profit margin of 36.5%.
Offers a dividend yield of 2.55%.
Generates positive free cash flow, funding growth and shareholder returns internally.
Recent Developments
- Dec 2025 Revenue of $21.23T (+5.6% YoY); net profit $5.83T.
- Trailing 12 Months Year-on-year growth — revenue +18.5%, earnings +20.7%.
- 5-Year Trend Long-term compounding — revenue CAGR 9.0%, profit CAGR 12.4%.
Growth & Price Performance
Compounded Sales Growth
| 5 Years: | 8.97% |
| 1 Year: | 18.50% |
Compounded Profit Growth
| 5 Years: | 12.36% |
| 1 Year: | 20.70% |
Stock Price Performance
| 1 Year: | +54.73% |
| 6 Months: | +26.19% |
| 3 Months: | +28.95% |
| 1 Month: | +4.39% |
Highlights auto-generated from reported financials and price data; not investment advice. Verify with official filings before acting.
- Price vs 50-DMAAbove
- Price vs 200-DMAAbove
- RSI (14)63.76 · Neutral
P/E of 10.46 is below the sector median of 12.89 — relatively cheaper than peers.
Auto-generated from price history and fundamentals; not investment advice.
Price Chart
Technical Trend
Computed from daily close history using EMA cross, slope, and RSI signals.
Note: intraday data is not stored locally. “Hourly” uses the most recent 10 daily candles as a short-term proxy.
Fundamental Growth Charts
No fundamental data available for this stock.
Interactive charts for Revenue, Net Income, EBITDA, Free Cash Flow, EPS, ROE, ROCE, Gross/Net/Operating Margin and more — switch metric and period using the dropdowns above. CAGR is computed across the displayed window (quarterly CAGR is annualised). Visual growth charts make it easy to spot multi-year compounding trends at a glance — far faster than reading raw numbers in a table.
PROS
- Excellent profit margin of 36.5%.
- Profit CAGR of 12.4% over 5 years.
- Attractive dividend yield of 2.55%.
- Generates positive free cash flow.
- In a confirmed uptrend (50-DMA above 200-DMA).
CONS
No notable concerns flagged.
* The pros and cons are auto-generated from financial metrics.
Valuation
Growth (CAGR)
Profitability & Returns
Balance Sheet & Liquidity
Ownership
Financial Snapshot
Peer comparison
Peer companies in the same sector (Financial Services).
| # | Name | CMP $ | P/E | Mkt Cap | Div Yld % | ROCE % | ROE % | Rev CAGR 5Y % | Profit CAGR 5Y % |
|---|---|---|---|---|---|---|---|---|---|
| 1 | KB KB Financial Group Inc. FINANCIAL | 129.45 | 10.46 | $45.45B | 2.55% | - | 10.22% | 8.97% | 12.36% |
| 2 | JPM JPMorgan Chase & Co. SPXR3KFINANCIAL | 353.51 | 15.15 | $939.70B | 1.72% | - | 17.79% | 12.50% | 14.83% |
| 3 | BRK-B Berkshire Hathaway Inc. SPXFINANCIAL | 505.83 | 12.72 | $712.23B | 0.00% | - | 12.12% | 4.18% | 9.44% |
| 4 | V Visa Inc. SPXR3KFINANCIAL | 368.64 | 31.35 | $628.20B | 0.72% | 37.15% | 61.19% | 14.33% | 13.04% |
| 5 | MA Mastercard Incorporated SPXR3KFINANCIAL | 570.89 | 31.44 | $496.37B | 0.62% | 60.19% | - | 12.29% | 19.21% |
| 6 | BAC Bank of America Corporation SPXR3KFINANCIAL | 62.39 | 14.41 | $436.28B | 2.04% | - | 11.20% | 3.14% | 4.27% |
| 7 | BRK-A Berkshire Hathaway Inc. FINANCIAL | 757,791.00 | 12.71 | $370.14B | 0.00% | - | 12.12% | 7.60% | 10.02% |
| 8 | HSBC HSBC Holdings plc FINANCIAL | 106.26 | 15.18 | $363.70B | 3.65% | - | 13.10% | 9.75% | 12.72% |
| 9 | MS Morgan Stanley SPXR3KFINANCIAL | 216.24 | 17.48 | $339.62B | 2.26% | - | 17.97% | 3.76% | 9.66% |
Financial Statements Quarterly Results · Profit & Loss · Balance Sheet · Cash Flows · Ratios
Quarterly Results
Figures in USD.
| Metric | Mar 2025 | Jun 2025 | Sep 2025 | Dec 2025 | Mar 2026 |
|---|---|---|---|---|---|
| Revenue | 5.32T | 5.41T | 5.04T | 5.66T | 5.76T |
| Cost of Revenue | - | - | - | - | - |
| Gross Profit | - | - | - | - | - |
| Operating Expenses | - | - | - | - | - |
| Operating Income | - | - | - | - | - |
| EBITDA | - | - | - | - | - |
| Interest Expense | 4.19T | 4.18T | 3.86T | 3.85T | 3.82T |
| Pretax Income | 2.31T | 2.34T | 2.26T | 1.27T | 2.63T |
| Tax Provision | 607.48B | 595.56B | 606.21B | 533.18B | 714.67B |
| Net Income | 1.70T | 1.74T | 1.69T | 711.43B | 1.89T |
| Diluted EPS | 4,384.00 | 4,565.00 | 4,458.00 | - | 5,120.00 |
Profit & Loss (Annual)
Figures in USD.
| Metric | Dec 2022 | Dec 2023 | Dec 2024 | Dec 2025 |
|---|---|---|---|---|
| Revenue | 16.41T | 19.45T | 20.10T | 21.23T |
| Cost of Revenue | - | - | - | - |
| Gross Profit | - | - | - | - |
| Operating Expenses | - | - | - | - |
| Operating Income | - | - | - | - |
| EBITDA | - | - | - | - |
| Interest Expense | 9.24T | 16.96T | 17.66T | 16.08T |
| Pretax Income | 5.39T | 6.12T | 6.99T | 8.18T |
| Tax Provision | 1.50T | 1.59T | 1.96T | 2.34T |
| Net Income | 4.11T | 4.59T | 5.08T | 5.83T |
| Diluted EPS | 10,705.00 | 11,312.00 | 12,726.00 | 15,261.00 |
Balance Sheet (Annual)
Figures in USD.
| Metric | Dec 2021 | Dec 2022 | Dec 2023 | Dec 2024 | Dec 2025 |
|---|---|---|---|---|---|
| Total Assets | - | 688.65T | 715.73T | 757.85T | 797.92T |
| Current Assets | - | - | - | - | - |
| Cash & Equivalents | - | 32.47T | 30.79T | 30.79T | 35.65T |
| Inventory | - | - | - | - | - |
| Receivables | - | 204.69B | 14.44T | 12.57T | 16.62T |
| Total Liabilities | - | 634.85T | 657.09T | 698.03T | 737.09T |
| Current Liabilities | - | - | - | - | - |
| Long Term Debt | - | 140.42T | 120.80T | 127.00T | 130.55T |
| Total Debt | - | 140.42T | 121.39T | 127.97T | 131.45T |
| Total Equity | - | 52.52T | 56.69T | 57.89T | 59.05T |
| Shares Outstanding | - | 408.90M | 403.51M | 393.53M | 381.46M |
Cash Flows (Annual)
Figures in USD.
| Metric | Dec 2021 | Dec 2022 | Dec 2023 | Dec 2024 | Dec 2025 |
|---|---|---|---|---|---|
| Operating Cash Flow | - | 4.76T | 4.11T | 4.02T | 4.23T |
| Investing Cash Flow | - | -19.64T | -3.52T | -3.83T | -5.54T |
| Financing Cash Flow | - | 15.18T | -1.24T | -1.98T | 5.80T |
| Capital Expenditure | - | -497.47B | -680.57B | -626.91B | -554.97B |
| Free Cash Flow | - | 4.26T | 3.43T | 3.39T | 3.67T |
| Net Change in Cash | - | 304.44B | -649.75B | -1.79T | 4.49T |
Ratios (Annual)
Figures in %.
| Metric | Dec 2022 | Dec 2023 | Dec 2024 | Dec 2025 |
|---|---|---|---|---|
| Gross Margin % | - | - | - | - |
| Operating Margin % | - | - | - | - |
| Net Margin % | 25.1% | 23.6% | 25.3% | 27.5% |
| ROE % | 7.8% | 8.1% | 8.8% | 9.9% |
| ROCE % | - | - | - | - |
Shareholding Pattern
Top Institutional Holders
| # | Holder | % Held | Shares | Value |
|---|---|---|---|---|
| 1 | Blackrock Inc. | 0.71% | 2.50M | $317.74M |
| 2 | Dimensional Fund Advisors LP | 0.68% | 2.40M | $305.06M |
| 3 | Lazard Asset Management LLC | 0.42% | 1.50M | $190.26M |
| 4 | Morgan Stanley | 0.39% | 1.40M | $177.11M |
| 5 | American Century Companies Inc | 0.33% | 1.16M | $146.78M |
| 6 | Bank of America Corporation | 0.28% | 1.01M | $127.88M |
| 7 | Northern Trust Corporation | 0.24% | 860.14K | $109.18M |
| 8 | CIBC Bancorp USA Inc. | 0.18% | 648.67K | $82.34M |
| 9 | BNP Paribas Asset Management Holding S.A. | 0.18% | 621.85K | $78.93M |
| 10 | Todd Asset Management LLC | 0.16% | 551.20K | $69.96M |
Analyst View
Analyst aggregate. Targets and ratings update periodically; not investment advice.
Latest News
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KB — Frequently Asked Questions
What is the current share price of KB Financial Group Inc. (KB)?
As of 2026-09-19 21:16 PDT, KB Financial Group Inc. (KB) trades at $129.45 on NYSE. Its 52-week range is $77.50 to $132.36.
What is the market capitalisation of KB?
KB Financial Group Inc. (KB) has a market capitalisation of $45.45B on NYSE.
What is the P/E ratio of KB?
KB trades at a trailing price-to-earnings (P/E) ratio of 10.46. The industry average P/E is 12.89. Its price-to-book (P/B) ratio is 4.32.
Does KB pay a dividend?
KB Financial Group Inc. (KB) currently offers a dividend yield of 2.55%.
What is the return on equity (ROE) of KB?
KB has a return on equity (ROE) of 10.22%.
Is KB a good stock to buy?
This page provides a data-driven analysis of KB Financial Group Inc. (KB), including valuation ratios, profitability, growth trends, auto-generated pros and cons, peer comparison and AI exposure. Review these fundamentals alongside your own research and risk tolerance. This is informational content, not investment advice.