KB
KB Financial Group Inc
$120.23
▲ 4.3%Updated Today 3:42 PM ET
KB at a glance — five pillars scored 0–100 from real filed financials.
Overall: Neutral · 52/100. A wider, greener shape means more pillars look healthy. Dividends scores 0 when a company pays none — that is a choice, not a flaw.
▲ Up 32.6% over the last 12 months
Market Cap
$43.04B
P/E
9.52x
Forward P/E (est.)
8.72x
ROE
10.2%
Revenue Growth
50.8%
EPS Growth
9.2%
Profit Margin
10.7%
FCF Yield
—
Debt / Equity
2.57x
ROIC
9.0%
Interest Coverage
0.46x
Current Ratio
—
Dividend Yield
2.7%
Implied Growth (rev. DCF)
2.4%
Rating Score
52/100
KB Financial Group Inc (KB) is a large-cap company in the Banking industry, part of the Financials sector of the S&P 500, with a market value around $43.04B.
In its latest reported year it generated about $22.87B in revenue and $3.81B in net profit.
Our model rates KB Neutral (52/100) on growth, profitability, financial health, and valuation. The summary below is built from its filed financials and current ratios and refreshes automatically.
Evidence of durable competitive advantage in the filed financials (10 years of history).
The numbers don't show a durable competitive advantage — margins, growth, or returns on capital have been unstable or thin. Great returns are still possible; they just aren't protected.
24.5% average over the last 3 years
±7.1 pts around 27.5% across 10 years
grew in 7 of the last 9 year-over-year periods
positive in 6 of 10 years
9.0% latest fiscal year
A moat can't be proven by numbers alone — this scores the evidence a durable advantage leaves behind (pricing power, consistency, returns on capital), computed the same way for every stock. Pair it with the business overview before concluding anything.
Technical analysis reads price and volume to judge momentum and timing. It complements the fundamentals above — it does not replace them. Here is what KB's chart says today, with each tool explained.
Trend — moving averages. A moving average is the average closing price over a window, which smooths out daily noise. KB trades near $120.23, above its 50-day average ($105.62) and 200-day average ($96.12). Price above both averages, with the shorter one above the longer, is the textbook definition of an uptrend — momentum favours buyers.
Momentum — RSI. The Relative Strength Index runs 0–100 and measures how strong recent gains are versus losses. Above 70 is "overbought", below 30 "oversold". At 57 it is in neutral territory — neither stretched nor washed out.
MACD. MACD compares two moving averages to flag shifts in momentum. Its histogram is currently positive — short-term momentum is improving.
Volatility — ATR. Average True Range is the typical daily move. KB's is $4.34 (~3.6% of price), so swings of about that size each day are normal — handy for setting a stop that isn't too tight.
Support & resistance. Over the last month KB found buyers near $97.01 (support) and sellers near $115.85 (resistance); its 52-week range is $76.31–$119.71. A decisive break beyond either edge often marks the next move.
Volume. The latest session traded 0.2× the 20-day average — lighter than usual, so the move carries less conviction. Rising volume on up-days suggests real buying; on down-days, real selling.
Educational information to help you read a chart — not a recommendation or a forecast. It updates daily as the price and indicators change.
4Y CAGR
20.5%
Revenue moved from $7.78B in 2015 to $22.87B in 2024, a 12.7% compound annual growth rate. The most recent year grew a strong 50.8% year over year. Consistent top-line growth is one sign of healthy demand.
Gross Margin
—
Operating Margin
26.4%
Net Margin
16.7%
ROE
10.2%
KB Financial Group Inc keeps about 10.7% of each sales dollar as net profit. Return on equity is 10.2% and return on invested capital about 9.0%. Margins are moderate — typical of a competitive but profitable business.
Total Debt
$8.60B
Net Debt
-$8.05B
Net cash position
Net Debt / EBITDA
-1.33x
Debt / Equity
2.57x
Leverage: debt-to-equity is 2.6x, and operating profit covers interest about 0.5x. That is elevated leverage, which raises risk if earnings or rates move against it. It carries roughly $8.60B of total debt against $16.65B of cash.
Operating CF
$3.02B
Free Cash Flow
$2.76B
FCF Margin
12.1%
In the latest year KB Financial Group Inc produced about $3.02B of operating cash flow and $2.76B of free cash flow after capital spending. Cash flow is what ultimately pays shareholders, so it is worth tracking over time.
Can the payout survive a bad year? Scored from filed cash flow, earnings coverage, and the raise/cut record.
The dividend is being paid, but coverage or consistency is thinner than an income investor should rely on without a closer look.
Dividend yield
2.7%
Per share (latest FY)
$0.60
Total paid (latest FY)
$1.27B
History on record
10 years
dividend uses 46% of free cash flow
33% of net income paid out
total dividends increased 1 year in a row
payout was cut at least once in the last 10 years
Coverage uses the latest fiscal year as filed with the SEC; the streak counts total dollars paid (per-share figures can carry split artifacts). Educational information, not income advice.
P/E
9.52x
P/S
0.45x
P/B
0.77x
EV / EBITDA
5.71x
KB trades at 9.5x trailing earnings (about 8.7x on estimated forward earnings), 0.5x sales, and 0.8x book value. Reverse-engineering today's price implies the market expects roughly 2.4% long-term free-cash-flow growth. That is an undemanding multiple — potentially cheap if the business is stable.
A two-stage discounted cash flow on real SEC-filed free cash flow — the intrinsic-value anchor professional analysts triangulate from.
DCF fair value / share
$318.99
Current price
$120.23
Starting FCF (latest 10-K)
$2.76B
Growth, years 1–5
20.0%
Fade to terminal, years 6–10
2.5%
Discount rate
9.0%
Cash flows grow at the stage-1 rate (trailing revenue growth, capped at 20%) for five years, fade to 2.5% by year 10, and continue at that rate forever (Gordon terminal value), all discounted at 9.0%. Small changes in assumptions move the result a lot — treat this as one reference point, not a target price. Educational only, not investment advice.
Where KB sits versus its Financials sector peers in the S&P 500.
Bands show the middle half (25th–75th percentile) of the 141 Financials companies in the S&P 500 — the peer-relative anchor professional comps analysis uses. Context only — not investment advice.
How KB stacks up against its Financials peers — valuation, profitability, and growth versus the sector median.
In the Financials sector (289 S&P 500 companies), KB ranks #111 of 289 by our overall rating. It trades at a discount versus the sector on earnings (9.5x P/E vs. 15.3x median) with a lower return on equity (10.2% vs. 13.6%) and faster revenue growth (50.8% vs. 15.9%).
P/E vs sector
9.5x
median 15.3x
ROE vs sector
10.2%
median 13.6%
Growth vs sector
50.8%
median 15.9%
Sector rank
#111
of 289 by rating
Valuation vs. quality map
The sweet spot is upper-left: more profitable (higher ROE) for a lower P/E. Dashed lines mark the sector median.
Peers are the closest Financials companies by sub-industry and size. Sector median is across all 289 S&P 500 names in the sector. Educational, not a recommendation.
Project revenue → earnings → price. Edit the assumptions to build your own case.
2030 price target (Base Case)
$0.00 – $0.00
vs. $120.23 today · expected CAGR 28% – 42%
| Metric | 2026 | 2027 | 2028 | 2029 | 2030 |
|---|---|---|---|---|---|
| Revenue | $33.16B | $48.08B | $69.72B | $101.09B | $146.58B |
| Net income | $5.64B | $8.17B | $11.85B | $17.19B | $24.92B |
| EPS | $15.75 | $22.83 | $33.11 | $48.01 | $69.61 |
| Share price (low) | $94.48 | $137.00 | $198.64 | $288.03 | $417.65 |
| Share price (high) | $157.47 | $228.33 | $331.07 | $480.05 | $696.08 |
| CAGR (low–high) | -21% / 31% | 7% / 38% | 18% / 40% | 24% / 41% | 28% / 42% |
Educational model on sample fundamentals — not a forecast or investment advice. Outputs are only as good as your assumptions.
The case for KB:
- Revenue is growing 50.8% a year, a sign of real demand.
- Pays a 2.7% dividend on top of any price gains.
The case against KB:
- Elevated leverage (debt/equity 2.6x) adds financial risk.
- Interest coverage is thin (0.5x), so debt costs bite.
Balance-sheet risk — debt/equity of 2.6x magnifies the impact of higher rates or weaker earnings.
Market risk — sector rotation, the economic cycle, and broad sentiment move the stock regardless of fundamentals.
On balance, the picture is mixed: KB Financial Group Inc is a large-cap financials business still growing nicely, with modest profitability, and a heavier debt load to watch. It trades at 9.5x earnings, which our model scores Neutral (52/100). Weigh this against your own goals and time horizon — this is educational information, not a recommendation.
Analyst Ratings
What 29 Wall Street analysts covering KB recommend (July 2026). Consensus is a useful sanity check — not a substitute for your own homework.
Analysts have turned more positive over the last three months (+3 pts of buy ratings).
Latest SEC Filings
KB's most recent filings, straight from SEC EDGAR. Annual and quarterly reports are the deep dives; 8-Ks flag material events the moment they happen.
In the Idea Lab
KB — frequently asked questions
Is KB a good stock to buy?
We don't give buy or sell advice. Our model rates KB Financial Group Inc Neutral (52/100) based on its growth, profitability, financial health, and valuation — use that as a research starting point and make your own decision.
What is KB's rating on The Stocks School?
KB Financial Group Inc currently scores 52/100 (Neutral) on our transparent model, which weighs real fundamentals: growth, margins, returns on capital, balance-sheet strength, and valuation.
How our ratings work →Where does KB's data come from?
Live price data plus real fundamentals and 5-year financials pulled directly from KB Financial Group Inc's SEC filings — refreshed automatically, not hand-entered.
How is the 5-year projection for KB calculated?
It's a scenario model: it grows revenue at an assumed rate, applies a profit margin and a valuation multiple, and shows the resulting share-price range. The assumptions are yours to change — it's a tool for thinking, not a prediction.
Is this KB analysis financial advice?
No. Everything on this page is educational research, not financial advice or a recommendation to buy or sell KB. Always do your own research and consider a licensed professional.
Data notice. Fundamentals and financial statements are sourced from company filings (SEC EDGAR) and market-data providers; prices and market caps refresh on trading days and may be delayed. Ratings, projections, technical signals, and written summaries are model- or rule-generated for education and may simplify or lag the latest filings.
Not advice. Nothing on this page is investment advice or a recommendation to buy, hold, or sell any security. Do your own research and consult a licensed financial professional before investing.