KB Financial Group Inc.
KB · Price history
Price at last available close
$115.38
−$12.52 (-9.79%) 1M
2026-10-28
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Company & revenue
About KB Financial Group Inc.
Primary reporting period: 2025-12-31 · Research updated Oct 12, 2026. A research update is not a new financial filing.
Who they are
KB Financial Group Inc. is a prominent financial conglomerate offering a diverse array of banking and associated financial services to both individual consumers and corporate entities, both domestically in South Korea and across international markets. The company's operations are strategically organized into distinct divisions: Corporate Banking, Retail Banking, Other Banking Services, Securities Business, Non-life Insurance Business, Credit Card Business, and Life Insurance Business. It supplies various lending products, deposit accounts, and related financial instruments to a broad client base, including large corporations, small and medium-sized enterprises, home offices, and private households.
How they make money
KB Financial Group is a financial holding company that generates revenue primarily through interest income from banking operations and non-interest income from credit card services, securities brokerage, insurance premiums, and asset management fees. The group manages a diversified portfolio of financial subsidiaries to provide integrated financial solutions to retail and corporate clients.
Products & services
Banking, credit card services, securities brokerage, life and non-life insurance, asset management, capital financing, and real estate trust services.
Brands & revenue mix
The primary banking brand of the group.
Separate brand revenue is not available in this research.Source
The securities and investment banking brand.
Separate brand revenue is not available in this research.Source
The insurance services brand.
Separate brand revenue is not available in this research.Source
Revenue share is not unit sales or a best-seller ranking. Parent brands and included sub-brands can overlap; do not add overlapping rows.
Product / operating segments
No reconciled product or operating-segment revenue breakdown is available for the current research period. Company-wide revenue remains separate from segment disclosure.
Geographic revenue
No reconciled geographic revenue breakdown was confirmed for the current research period.
Customer concentration
The company does not disclose any single customer that accounts for more than 10% of its total consolidated revenue as of the fiscal year ended December 31, 2025.
Suppliers, materials & equipment
- Information Technology Service Providers — The company relies on various third-party vendors for IT infrastructure, software, and data processing services; specific supplier names are not disclosed.Source
Competitors
- Shinhan Financial Group — A major financial holding company in South Korea providing banking, credit card, and investment services.Source
- Hana Financial Group — A leading financial services provider in South Korea competing across banking and capital markets.Source
- Woori Financial Group — A major South Korean financial holding company offering comprehensive banking and financial services.Source
Strengths
Sources
Wall Street Score
Overall investment score · Quality, value, risk and opportunity
70
Strong
View category scores →
Company Quality
How good is the actual business—regardless of today’s stock price?
67
Fair
Financial Strength
82
Business Quality / Moat
75
Management
69
Growth Quality
26
Risk / Durability
63
Uses financial strength, moat, management, growth quality and durability. It excludes share price, P/E, market cap, intrinsic value and margin of safety.
Opportunity
Opportunity Score · How does the current price compare with estimated value?
77
Fair
Based on current valuation, company quality, recent trends, and available market signals.
View score details →
Model Outlook
12-month model · What does the model think happens next?
72/100
Building Historical Record
Model Score 72/100 — estimates relative performance potential, distinct from the overall Wall Street Score and the separate Company Quality score.
Probability unavailable — the model has not produced a calibrated probability yet.
Click for full breakdown →
WSS View
The quick read
The overall Wall Street Score is mixed across its combined quality, valuation and risk inputs. Review the category scores to identify what is helping or hurting the result.
At today’s price, the WSS valuation framework currently reads as relatively attractive.
The model outlook is currently positive.
- •Balance-sheet / debt profile scores strongly
- •Valuation scores attractively
- •Recent buyback activity is present
- •Debt service risk
- •Revenue fundamentals are weak
Company-specific research
Questions worth answering for KB
These questions are generated from this company's current financial and score data so the page adds context instead of treating the headline score as a stand-alone conclusion.
- •Can KB maintain its current revenue growth rate and improve the amount of that revenue that turns into earnings and cash?
- •Is KB's positive free cash flow repeatable, or is the current level being helped by temporary working-capital or spending changes?
- •Is KB's debt load manageable relative to cash generation, interest costs and upcoming maturities?
- •Is KB's valuation discount tied to a temporary concern or to a longer-term business risk?
Essential Investment Snapshot
Wall Street Score
70
Opportunity Score
77
Market Cap
$40.77B
P/E Ratio
9.5
EPS
$12.74
52-Week High
$133.29
52-Week Low
$77.44
Beta
0.67
Intrinsic Value
$490.51
Shares Outstanding
382.2M
Total Revenue
$38.93B
Total Debt
$116.88B
Dividend Yield (TTM)
2.87%
Liquidation Value / Share
$121.07
Dividend / Share (TTM)
$3.31
Momentum & Volatility Signals
Two different market-behavior signals. Momentum measures direction and trend strength. Volatility measures how large and unstable the price moves are, regardless of direction.
Weakening momentum
Low movement
A high momentum score means price has been trending upward with confirming short- and medium-term strength. A low score means downward or weakening momentum.
A high volatility score means larger, less stable price swings. It can happen while a stock is rising or falling, so high volatility is not automatically bullish or bearish.
Important: the volatility score above is based on realized price volatility. Implied volatility (IV) comes from options prices and represents the market's expected future movement. Wall Street Score will keep IV separate and will only display it when a verified options-chain feed is available.
Notices for KB
Detected from reported data — verify before acting.Dividend history reported
Dividend payments are recorded. Review the dates and regular/special classification below; past payments do not guarantee future dividends.
Historical repurchase activity
Reported cash flows or share-count measures indicate past repurchase activity. This does not verify an active buyback authorization or future purchases.
Debt service risk
Interest coverage is low (~0.7x). Earnings may be strained to cover interest expense.
Community Sentiment
0 active · 0 total callsNo personal call yet on KB.
Potential upside factors
- +Growth opportunities may come from revenue expansion, margin improvement, new products, market-share gains, and stronger cash flow.
- +Leading market position and extensive branch network in South Korea.
- +Diversified business portfolio across banking, insurance, and securities.
- +Positive free cash flow may provide capacity to invest in growth.
Potential downside factors
- −Key risks may include competition, margin pressure, debt levels, valuation risk, and changes in demand within the Banks - Regional industry.
- −Exposure to credit risk and fluctuations in interest rates.
- −Regulatory changes and compliance requirements in the financial sector.
These research factors come from saved company research and financial data, not community votes. They are starting points to verify against filings, not buy or sell recommendations.
Create a free account to make a call.
Scores
Click any score for full breakdownWas this stock page easy to understand?
One click helps us improve the research experience. This is not tied to an investment decision.
Score Changes
2 historical score records availablePrevious Score
65
Jul 24, 2026
Change
+5.0
points
Current Score
70
Oct 1, 2026
Category Changes
KB increased 5 points because Revenue improved by 6.5 points, Valuation improved by 17.5 points, Buffett improved by 2.9 points.
Positive Contributors
- + Revenue improved by 6.5 points
- + Valuation improved by 17.5 points
- + Buffett improved by 2.9 points
Projected Score
Projected Score
69
Projected Change
-0.4 points
Preliminary comparable-period financial changes suggest decline of approximately 0.4 points. This is a projected estimate, not the official WallStreetScore.
Price vs. Value
Review model assumptionsThis model estimate is more than three times the share price.
This is a formula-based estimate, not a verified fair value or price target. Check the earnings and growth assumptions.
Stored EPS: $12.74 · Growth assumption: 15.0% · Earnings multiplier: 38.5×.
Current Price
$115.38
Model Intrinsic Value
$490.51
Difference
−$375.13
-76.5% vs IV
Margin of Safety
76.5%
Financial Charts
Revenue
Additional Metrics
Operating Cash Flow
Total Debt
Total Assets
Net Margin %
Free includes 3 annual periods plus available TTM; Premium includes up to 10 annual periods. History depends on available company filings. Swipe the table horizontally to see older periods. A dash means unavailable, not zero.
| Line Item | TTM | 2025 | 2024 | 2023 | 2022 | 2021 | 2020 | 2019 | 2018 | 2017 | 2016 |
|---|---|---|---|---|---|---|---|---|---|---|---|
| Revenue | $38.93B | $37.41B | $27.87B | $26.87B | ···· | ···· | ···· | ···· | ···· | ···· | ···· |
| Cost of Revenue | $18.59B | $19.06B | $14.55B | $14.84B | ···· | ···· | ···· | ···· | ···· | ···· | ···· |
| Gross Profit | $20.34B | $18.35B | $13.33B | $12.03B | ···· | ···· | ···· | ···· | ···· | ···· | ···· |
| Research & Development | $0.00 | $0.00 | $0.00 | $0.00 | ···· | ···· | ···· | ···· | ···· | ···· | ···· |
| SG&A Expenses | $5.52B | $5.20B | $4.48B | $4.32B | ···· | ···· | ···· | ···· | ···· | ···· | ···· |
| Operating Expenses | $13.54B | $12.05B | $8.17B | $7.52B | ···· | ···· | ···· | ···· | ···· | ···· | ···· |
| EBITDA | $7.33B | $6.97B | $5.83B | $5.16B | ···· | ···· | ···· | ···· | ···· | ···· | ···· |
| Operating Income | $6.81B | $6.30B | $5.16B | $4.52B | ···· | ···· | ···· | ···· | ···· | ···· | ···· |
| Interest Expense | $27.90B | $9.65B | $13.04B | $12.52B | ···· | ···· | ···· | ···· | ···· | ···· | ···· |
| Income Before Tax | $6.58B | $6.05B | $5.16B | $4.52B | ···· | ···· | ···· | ···· | ···· | ···· | ···· |
| Income Tax Expense | $1.90B | $1.73B | $1.44B | $1.18B | ···· | ···· | ···· | ···· | ···· | ···· | ···· |
| Net Income | $4.66B | $4.32B | $3.75B | $3.39B | ···· | ···· | ···· | ···· | ···· | ···· | ···· |
| Basic EPS | $12.74 | $11.39 | $9.51 | $8.47 | ···· | ···· | ···· | ···· | ···· | ···· | ···· |
| Basic Shares | 358M | 379M | 379M | 384M | ···· | ···· | ···· | ···· | ···· | ···· | ···· |
| Diluted Shares | 358M | 382M | 383M | 393M | ···· | ···· | ···· | ···· | ···· | ···· | ···· |
Earnings Summary
Revenue
$8.55B
Estimate unavailable.
Revenue Beat/Miss
Not available (no estimate stored)
EPS
$4.23
Estimate unavailable.
EPS Beat/Miss
Not available (no estimate stored)
Debt Change
+13.0%
Cash Change
-100.0%
Margin Change
-0.8 pp
Debt and cash show percentage changes versus the comparison period; margin shows the change in percentage points (pp). These are company-wide changes, not per-share amounts.
Financial Changes Since Prior Period
What Weakened
- Margins contracted
- Cash position declined
- Debt increased
Potential Score Impact
Positive indicators included revenue growth, EPS growth. Pressure indicators included cash levels, debt levels, net income margin. These factors may support or pressure the Revenue, Management, Financial, and Debt categories; this summary does not claim that the stored scores changed.
Stored Earnings Analysis
Revenue increased 20.8%. EPS increased 25.6%. Cash declined 100.0%. Total debt increased 13.0%. Net income margin declined by 0.8 percentage points.
Earnings-Call Transcript
Earnings-call transcript analysis is not currently available.
These results may influence future scores when the next evaluation is completed.
Insider Activity
Guru / Smart Money
Guru Score
Smart Money
Number of Gurus
Total Guru Value
Avg Portfolio Weight
Largest Holder
Largest Holder %
New Positions
Increased Positions
Reduced Positions
Exited Positions
Net Guru Sentiment
Short Interest
Dividend History
Log in to view dividend history.
Conservative Projected Values
3 Years
$———.——
5 Years
$———.——
10 Years
$———.——
Conservative Projection Rate
——%
Conservative Projected Values — price projections derived from actual 10-year adjusted historical returns, conservatively adjusted and capped at 8% annually. These are distinct from the Outperformance Model Score and WallStreetScore.
Conservative Projected Values
Premium unlocks the 3-year, 5-year, and 10-year conservative projected values with full calculation breakdowns based on actual historical returns.
Start 7-Day Free TrialHistorical Outperformance Record
Premium includes stored forecasts and any available evaluated results. Completed results, win rates and calibrated probabilities are shown only when supported records exist; access does not create historical outcomes.
Start 7-Day Free TrialHistorical Trends
2 historical records2 historical score records available.
Historical Score Chart
2 of 2 records shownWall Street Score
Debt Score
Revenue Score
Asset Score
Capital Score
Management Score
Moat Score
Valuation Score
Buffett Score
Intrinsic Value
Value Reference
Margin of Safety %
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Rumor Mill · KB
Corporate developments & opportunities
No reviewed developments match this filter.
Evidence credibility is not a forecast of stock performance. Rumor Mill is separate from the WSS score.
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