A Business at a Glance
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KB Financial Group Inc.
KB
$46.4B
Mkt Cap
$117.43
-2.83%
KB Financial Group Inc. (KB) has a current P/E ratio of 16940.3, compared to its historical median P/E of 4.1. The stock is currently considered Expensive based on its historical valuation range.
KB Financial Group Inc. (KB) has a 5-year average return on invested capital (ROIC) of 0.0%. This is below average and may indicate limited pricing power.
KB Financial Group Inc. (KB) has a market capitalization of $46.4B. It is classified as a large-cap stock.
Yes, KB Financial Group Inc. (KB) pays a dividend with a trailing twelve-month yield of 642.75%. The company also returns capital through share buybacks, with a buyback yield of 1.20%.
Based on historical P/E analysis, KB Financial Group Inc. (KB) appears expensive. The current P/E of 16940.3 is 414189% above its historical median of 4.1. The estimated fair value CAGR (P/E method) is -53.4%.
KB Financial Group Inc. (KB) operates in the Commercial Banks, Nec industry, within the Financials sector.
KB Financial Group Inc. (KB) reported annual revenue of $68.6 billion in its most recent fiscal year, based on SEC EDGAR filings.
Item 4. INFORMATION ON THE COMPANY For certain of the information required by subpart 1400 of Regulation S-K not included in this Item 4, see “Item 8.A. Consolidated Statements and Other Financial Information.” Item 4.A. History and Development of the Company We were established as a new financial holding company on September 29, 2008 pursuant to a “comprehensive stock transfer” under Korean law, whereby holders of the common stock of Kookmin Bank and certain of its subsidiaries transferred all of their shares to us in return for shares of our common stock. We were established pursuant to the Financial Holding Company Act, which was enacted in October 2000 and which, together with associated regulations and a related Enforcement Decree, has enabled banks and other financial institutions, including insurance companies, investment trust companies, credit card companies and securities companies, to be organized and managed under the auspices of a single financial holding company.
| Metric | TTM | FY2024 | FY2023 | FY2022 | FY2021 | FY2020 |
|---|---|---|---|---|---|---|
| Revenue | 68.6B | 68.6B | 44.2B | 57.3B | 40.7B | 73.9B |
| Net Income | 3.4B | 3.4B | 3.5B | 3.3B | 3.7B | 3.2B |
| EPS | $8.61 | $8.61 | $8.76 | $8.49 | $9.19 | $8.01 |
| Free Cash Flow | 2.5B | 2.5B | 2.9B | 4.3B | -5.9B | -11.0B |
| ROIC | 0.0% | 0.0% | 0.0% | 0.0% | 0.0% | 0.1% |
| Gross Margin | - | - | - | - | - | - |
| Debt/Equity | 283.36 | 283.36 | 259.63 | 234.54 | 259.51 | 288.62 |
| Dividends/Share | $754.78 | $754.78 | $1.08 | $1.74 | $1.45 | $1.97 |
| Operating Income | 5.4B | 5.4B | 5.0B | 4.5B | 5.1B | 4.3B |
| Operating Margin | 7.9% | 7.9% | 11.3% | 7.8% | 12.6% | 5.8% |
| ROE | 8.4% | 8.5% | 8.7% | 8.3% | 9.9% | 8.9% |
| Shares Outstanding | 395M | 395M | 404M | 390M | 402M | 403M |
| Metric | 2015 | 2016 | TTM | ||||||||||
|---|---|---|---|---|---|---|---|---|---|---|---|---|---|
| Income Statement | |||||||||||||
| Revenue | 14.7B | 14.5B | N/A | N/A | 207.8B | 11.9B | 23.6B | 73.9B | 40.7B | 57.3B | 44.2B | 68.6B | 68.6B |
| Gross Margin | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A |
| R&D | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A |
| SG&A | 1.9B | 2.5B | 4.5T | 5.2T | 5.6T | 1.6T | 1.5T | 1.6T | 7.2T | 6.6T | 5.1B | 4.7B | 4.7B |
| EBIT | 926.1B | 148.5B | 3.2T | 1.7T | 3.8B | 3.8B | 3.9B | 4.3B | 5.1B | 4.5B | 5.0B | 5.4B | 5.4B |
| Op. Margin | N/A | N/A | N/A | N/A | 1.8% | 32.3% | 16.5% | 5.8% | 12.6% | 7.8% | 11.3% | 7.9% | 7.9% |
| Net Income | 619M | -520M | 1.7T | 2.2T | 3.1B | 2.8B | 2.9B | 3.2B | 3.7B | 3.3B | 3.5B | 3.4B | 3.4B |
| Net Margin | 4.2% | -3.6% | N/A | N/A | 1.5% | 23.1% | 12.1% | 4.4% | 9.1% | 5.8% | 8.0% | 5.0% | 5.0% |
| Non-Recurring | -3.3B | -1.3B | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 |
| Returns on Capital | |||||||||||||
| ROIC | 0.0% | -3.1% | 12.5% | 15.1% | 10.5% | 8.9% | 8.6% | 0.1% | 0.0% | 0.0% | 0.0% | 0.0% | 0.0% |
| ROE | 0.0% | -3.5% | 12.5% | 15.1% | 10.5% | 8.9% | 8.6% | 8.9% | 9.9% | 8.3% | 8.7% | 8.5% | 8.4% |
| ROA | 0.0% | -0.2% | 253.0% | 1.2% | 0.0% | 0.7% | 0.7% | 0.6% | 0.7% | 0.6% | 0.6% | 0.6% | 0.7% |
| Cash Flow | |||||||||||||
| Op. Cash Flow | 3.3B | 3.8B | 2.2T | 1.1T | -4.5B | -8.0B | 8.1B | -10.6B | -5.7B | 4.5B | 3.2B | 2.7B | 2.7B |
| Free Cash Flow | 3.2B | 3.7B | 2.0T | 727.8B | -4.8B | -8.5B | 7.6B | -11.0B | -5.9B | 4.3B | 2.9B | 2.5B | 2.5B |
| Owner Earnings | 2.9B | -355.7B | 1.9T | 835.5B | -374.9B | -416.8B | -776.3B | -885.5B | -856.3B | -812.3B | -862.7B | -913.6B | -913.6B |
| CapEx | 161M | 106M | 229.2B | 397.2B | 280M | 406M | 527M | 391M | 242M | 236M | 271M | 228M | 228M |
| Maint. CapEx | 370M | 359.6B | 257.5B | 289.4B | 370.4B | 408.8B | 784.4B | 874.9B | 850.6B | 816.8B | 865.9B | 916.3B | 916.3B |
| Growth CapEx | 0 | 0 | 0 | 107.7B | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 |
| D&A | 370M | 359.6B | 257.5B | 289.4B | 370.4B | 408.8B | 784.4B | 874.9B | 850.6B | 816.8B | 865.9B | 916.3B | 916.3B |
| CapEx/OCF | 4.8% | 2.8% | 10.4% | 35.3% | N/A | N/A | 6.5% | N/A | N/A | 6.2% | 8.5% | 8.4% | 8.4% |
| Capital Allocation | |||||||||||||
| Dividends Paid | 0 | 70M | 306.0B | 383.8B | 471M | 689M | 658M | 793M | 582M | 677M | 438M | 298.3B | 298.3B |
| Dividend Yield | N/A | 0.5% | N/A | N/A | 2.9% | 4.0% | 5.2% | 7.1% | 3.7% | 4.9% | 3.0% | 1379.9% | 642.7% |
| Share Buybacks | 2.0M | 0 | 0 | 716.8B | 174M | 202M | 237M | 0 | 0 | 0 | 443M | 555M | 555M |
| Buyback Yield | 0.0% | N/A | N/A | 8803.7% | 700.5% | 1.5% | 1.8% | N/A | N/A | N/A | N/A | N/A | 1.2% |
| Stock-Based Comp | 20M | 4.2M | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A |
| Debt Repayment | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 |
| Balance Sheet | |||||||||||||
| Net Debt | -259M | -1.6B | N/A | N/A | N/A | N/A | N/A | 8.0T | 7.4T | 7.4T | 8.2T | 9.5T | 9.5T |
| Cash & Equiv. | 2.4B | 3.4B | 7.5T | 2.2T | 2.2T | 2.2T | 2.3T | 2.6T | 2.5T | 2.4T | 2.1T | 2.0T | 2.0T |
| Long-Term Debt | 1.9B | 1.6B | N/A | N/A | N/A | N/A | N/A | 10.6T | 9.9T | 9.8T | 10.3T | 11.5T | 11.5T |
| Debt/Equity | 0.14 | 0.12 | 3.97 | 11759.95 | 12.33 | 12.90 | 11.52 | 288.62 | 259.51 | 234.54 | 259.63 | 283.36 | 283.36 |
| Interest Coverage | 0.1 | 0.1 | -0.1 | -0.1 | -0.2 | -0.2 | 1.8 | 0.0 | 2.5 | 1.6 | -0.0 | -0.1 | 0.5 |
| Equity | 15.1B | 15.0B | 137.4B | 29.3B | 30.6B | 30.9B | 36.0B | 36.6B | 38.3B | 41.9B | 39.7B | 40.5B | 40.5B |
| Total Assets | 218.2B | 222.7B | 682.6B | 375.7T | 409.2B | 431.0B | 448.8B | 562.3B | 560.0B | 556.4B | 554.4B | 512.8B | 512.8B |
| Total Liabilities | 203.1B | 207.6B | 545.3B | 344.4T | 377.3B | 398.9B | 414.9B | 522.3B | 519.3B | 517.0B | 508.8B | 472.3B | 472.3B |
| Intangibles | 164M | 244M | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A |
| Retained Earnings | 9.3B | 8.9B | N/A | 12.2T | 14.1B | 15.5B | 17.1B | 20.7B | 21.7B | 22.6B | 24.8B | 23.6B | 23.6B |
| Working Capital | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A |
| Current Assets | 4.8B | 2.6M | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | 159M | 68K | 68K |
| Current Liabilities | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A |
| Per Share Data | |||||||||||||
| EPS | 1.90 | -1.52 | N/A | N/A | 7.74 | 6.90 | 7.26 | 8.01 | 9.19 | 8.49 | 8.76 | 8.61 | 8.61 |
| Owner EPS | 9.05 | -1,036.75 | N/A | N/A | -926.41 | -1,045.29 | -1,965.49 | -2,199.69 | -2,127.73 | -2,082.57 | -2,138.02 | -2,311.71 | -2,311.71 |
| Book Value | 46.32 | 43.81 | N/A | N/A | 75.60 | 77.51 | 91.19 | 90.94 | 95.23 | 107.45 | 98.32 | 102.42 | 102.42 |
| Cash Flow/Share | 10.25 | 11.18 | N/A | N/A | -11.20 | -20.19 | 20.60 | -26.39 | -14.04 | 11.57 | 7.89 | 6.88 | 2,327.20 |
| Dividends/Share | N/A | 0.20 | N/A | N/A | 1.16 | 1.73 | 1.66 | 1.97 | 1.45 | 1.74 | 1.08 | 754.78 | 754.78 |
| Shares Out. | 325.4M | 343.1M | N/A | N/A | 404.7M | 398.8M | 395.0M | 402.6M | 402.4M | 390.1M | 403.5M | 395.2M | 395.2M |
| Valuation | |||||||||||||
| P/E Ratio | 23.8 | N/A | 0.0 | 0.0 | 0.0 | 4.9 | 4.7 | 4.5 | 4.1 | 4.1 | 4.0 | N/A | 13.6 |
| P/FCF | 4.5 | 4.0 | N/A | N/A | N/A | N/A | 1.8 | N/A | N/A | 3.1 | 5.3 | 8.9 | 18.6 |
| EV/EBIT | 104.7 | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A |
| Price/Book | 1.0 | N/A | 0.0 | 0.0 | 0.0 | 0.4 | 0.4 | 0.4 | 0.4 | 0.3 | 457.0 | 680.5 | 1.1 |
| Price/Sales | 1.4 | N/A | 0.0 | 0.0 | 0.0 | 1.3 | 1.0 | 0.9 | 1.1 | 1.7 | 1.6 | N/A | 0.7 |
| FCF Yield | 23.3% | 26.1% | 21238.4% | 6350.4% | -25.1% | -62.2% | 56.7% | -82.4% | -37.6% | 34.6% | 21.0% | 12.4% | 5.4% |
| Market Cap | 13.6B | 14.3B | 9.2B | 11.5B | 19.2B | 13.6B | 13.4B | 13.4B | 15.7B | 12.4B | 13.9B | 20.2B | 46.4B |
| Avg. Price | 31.72 | 37.94 | 27.57 | 25.96 | 40.05 | 42.83 | 32.11 | 27.67 | 38.78 | 35.69 | 35.90 | 54.70 | 117.43 |
| Year-End Price | 43.62 | 43.36 | 24.37 | 30.25 | 49.19 | 35.45 | 35.35 | 34.54 | 40.47 | 34.38 | 38.59 | 56.11 | 117.43 |
KB Financial Group Inc. passes 1 of 9 quality checks, indicating weak fundamentals.
The company's 5-year average ROIC is 0.0%. Total shareholder yield (dividends + buybacks) is 643.9%. At current prices, the estimated annualized return to fair value is -49.3%.
KB Financial Group Inc. (KB) has a net profit margin of 5.0%. This is a modest margin.
KB Financial Group Inc. (KB) generated $2.5 billion in free cash flow in its most recent fiscal year. Positive free cash flow supports dividends, buybacks, and debt reduction.
KB Financial Group Inc. (KB) has a debt-to-equity ratio of 283.36. This indicates higher leverage, which may increase financial risk.
KB Financial Group Inc. (KB) reported earnings per share (EPS) of $8.61 in its most recent fiscal year.
KB Financial Group Inc. (KB) has a return on equity (ROE) of 8.5%. This indicates moderate shareholder returns.
The Ledger Terminal provides 14 years of financial data for KB Financial Group Inc. (KB), sourced directly from SEC EDGAR filings. This includes income statements, balance sheets, cash flow statements, and key financial ratios.
KB Financial Group Inc. (KB) has a book value per share of $102.42, based on its most recent annual SEC filing.
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