KB Financial Financials

KB Stock  USD 87.66  2.60  3.06%   
KB Financial Group may be sliding down financialy. It has an above-average probability of going through some form of financial hardship next quarter. At present, KB Financial's Total Assets are projected to increase significantly based on the last few years of reporting. The current year's Short and Long Term Debt Total is expected to grow to about 170 T, whereas Property Plant And Equipment Net is forecasted to decline to about 3.3 T.
 
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KB Financial Balance Sheet Chart

At present, KB Financial's Total Assets are projected to increase significantly based on the last few years of reporting. The current year's Short and Long Term Debt Total is expected to grow to about 170 T, whereas Property Plant And Equipment Net is forecasted to decline to about 3.3 T.
Key indicators impacting KB Financial's financial strength include:
Current ValueLast YearChange From Last Year 10 Year Trend
Net Profit Margin0.10.12
Fairly Down
Pretty Stable
Return On Assets0.00740.0077
Sufficiently Down
Pretty Stable
Return On Equity0.110.1
Significantly Up
Pretty Stable
Debt Equity Ratio3.212.8
Fairly Up
Slightly volatile
Operating Income8.4 TT
Sufficiently Up
Slightly volatile
Current Ratio0.210.35
Way Down
Pretty Stable
The financial analysis of KB Financial is a critical element in measuring its lifeblood. Investors should not minimize KB Financial's ability to pay suppliers or employees on time, ensuring interest payments are not accumulating.

Net Income

6.13 Trillion

  
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Please note, the presentation of KB Financial's financial position, as portrayed in its financial statements, is often influenced by management's estimates, judgments, and sometimes even manipulations. In the best case, KB Financial's management is honest, while the outside auditors are strict and uncompromising. Please utilize our Beneish M Score to check the likelihood of KB Financial's management manipulating its earnings.

KB Financial Stock Summary

KB Financial competes with US Bancorp, Truist Financial, Fifth Third, and MT Bank. KB Financial Group Inc. provides a range of banking and related financial services to consumers and corporations in South Korea and internationally. The company was incorporated in 2008 and is headquartered in Seoul, South Korea. KB Financial is traded on New York Stock Exchange in the United States.
Specialization
Financial Services, Banks - Regional
InstrumentUSA Stock View All
ExchangeNew York Stock Exchange
ISINUS48241A1051
Business Address26, Gukjegeumyung-ro 8-gil,
SectorBanks
IndustryFinancials
BenchmarkDow Jones Industrial
Websitewww.kbfg.com
Phone82 2 2073 7114
CurrencyUSD - US Dollar

KB Financial Key Financial Ratios

KB Financial Key Balance Sheet Accounts

202120222023202420252026 (projected)
Total Assets663.9T701.2T715.7T757.8T871.5T915.1T
Net Debt71.4T108.4T106.3T110.0T126.5T132.8T
Retained Earnings25.7T28.5T31.9T34.8T40.0T42.0T
Cash32.1T32.1T30.8T30.8T35.4T37.2T
Other Assets381.8T420.2T(339.2T)674.2B775.3B736.5B
Net Receivables8.8T204.7B14.4T12.6T14.5T15.2T
Total Liab105.8T651.5T657.1T698.0T802.7T842.9T
Total Current Assets101.2T90.6T128.4T137.9T158.6T166.5T
Other Current Liab204.3T(101.2T)411.5T440.2T506.2T531.5T
Other Liab56.3T86.2T102.8T87.9T101.1T106.2T
Accounts Payable12.3T8.3T36.0B36.1B41.5B39.5B
Long Term Debt124.3T140.4T120.8T127.0T146.1T153.4T
Short Term Debt75.5T92.1T15.7T12.8T14.7T21.9T
Other Current Assets44.8T52.0T626.9B654.3B588.9B559.5B
Intangible Assets2.5T2.4T1.1T1.1T1.3T1.1T
Inventory(44.5T)(44.8T)(52.0T)(40.3T)(36.2T)(38.1T)
Good Will806.4B845.2B867.0B874.0B1.0T1.1T
Net Tangible Assets35.8T39.2T44.2T45.2T51.9T31.6T
Long Term Debt Total108.9T140.4T120.4T129.6T149.0T90.0T
Capital Surpluse17.4T16.9T17.1T17.1T19.7T17.3T

KB Financial Key Income Statement Accounts

202120222023202420252026 (projected)
Interest Expense4.0T9.2T17.0T17.7T20.3T21.3T
Total Revenue21.0T25.6T36.4T37.8T43.4T45.6T
Gross Profit15.8T14.6T16.3T18.1T20.8T21.8T
Operating Income6.1T5.4T6.1T7.0T8.0T8.4T
Ebit6.1T5.4T6.1T7.0T8.0T8.4T
Ebitda7.1T6.3T7.0T7.9T9.1T9.5T
Cost Of Revenue5.2T11.1T20.1T19.7T22.7T23.8T
Income Before Tax6.1T5.4T6.1T7.0T8.0T8.4T
Net Income4.4T4.1T4.6T5.1T5.8T6.1T
Income Tax Expense1.7T1.5T1.6T2.0T2.3T2.4T
Minority Interest25.2B221.6B253.8B49.6B57.1B54.2B
Tax Provision1.7T1.6T1.8T2.0T2.3T1.4T
Net Interest Income11.2T13.1T13.6T12.8T14.8T10.9T
Interest Income15.2T20.8T27.8T30.5T35.1T18.6T

KB Financial Key Cash Accounts

202120222023202420252026 (projected)
Change In Cash423.4B889.3B(708.2B)(1.2T)(1.1T)(1.0T)
Free Cash Flow(7.2T)5.2T3.4T3.4T3.1T3.2T
Depreciation1.0T1.0T865.9B916.3B1.1T544.6B
Other Non Cash Items3.7T4.2T(3.2T)(5.2T)(4.6T)(4.4T)
Capital Expenditures478.3B534.2B680.6B626.9B720.9B440.4B
Net Income4.4T4.2T4.5T5.0T5.8T6.1T
End Period Cash Flow9.1T26.2T25.8T24.6T28.3T29.7T
Dividends Paid981.9B1.4T1.2T1.5T1.7T1.8T
Change To Netincome2.4T3.8T4.5T4.1T4.7T4.9T
Investments(3.9T)(20.3T)(3.5T)(3.8T)(3.4T)(3.6T)
Net Borrowings12.0T15.4T(2.4T)513.7B590.8B561.2B

KB Financial Financial Ratios Relationships

Comparative valuation techniques use various fundamental indicators to help in determining KB Financial's current stock value. Our valuation model uses many indicators to compare KB Financial value to that of its competitors to determine the firm's financial worth. You can analyze the relationship between different fundamental ratios across KB Financial competition to find correlations between indicators driving KB Financial's intrinsic value. More Info.
KB Financial Group is rated below average in return on equity category among its peers. It is rated below average in return on asset category among its peers reporting about  0.08  of Return On Asset per Return On Equity. The ratio of Return On Equity to Return On Asset for KB Financial Group is roughly  12.67 . At present, KB Financial's Return On Equity is projected to slightly decrease based on the last few years of reporting. The reason why the comparable model can be used in almost all circumstances is due to the vast number of multiples that can be utilized, such as the price-to-earnings (P/E), price-to-book (P/B), price-to-sales (P/S), price-to-cash flow (P/CF), and many others. The P/E ratio is the most commonly used of these ratios because it focuses on the KB Financial's earnings, one of the primary drivers of an investment's value.
Most indicators from KB Financial's fundamental ratios are interrelated and interconnected. However, analyzing fundamental ratios indicators one by one will only give a small insight into KB Financial Group current financial condition. On the other hand, looking into the entire matrix of fundamental ratios indicators, and analyzing their relationships over time can provide a more complete picture of the company financial strength now and in the future. Check out Correlation Analysis to better understand how to build diversified portfolios, which includes a position in KB Financial Group. Also, note that the market value of any company could be closely tied with the direction of predictive economic indicators such as signals in bureau of labor statistics.
At present, KB Financial's Issuance Of Capital Stock is projected to increase significantly based on the last few years of reporting. The current year's Sales General And Administrative To Revenue is expected to grow to 0.16, whereas Selling General Administrative is forecasted to decline to about 4 T.
 2023 2024 2025 2026 (projected)
Interest Expense17.0T17.7T20.3T21.3T
Depreciation And Amortization865.9B916.3B1.1T538.8B

KB Financial fundamental ratios Correlations

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0.930.810.910.640.920.950.860.640.38-0.561.00.790.890.310.60.440.70.940.990.390.450.550.890.250.89
Click cells to compare fundamentals

KB Financial Account Relationship Matchups

KB Financial fundamental ratios Accounts

202120222023202420252026 (projected)
Total Assets663.9T701.2T715.7T757.8T871.5T915.1T
Net Debt71.4T108.4T106.3T110.0T126.5T132.8T
Retained Earnings25.7T28.5T31.9T34.8T40.0T42.0T
Cash32.1T32.1T30.8T30.8T35.4T37.2T
Other Assets381.8T420.2T(339.2T)674.2B775.3B736.5B
Net Receivables8.8T204.7B14.4T12.6T14.5T15.2T
Total Liab105.8T651.5T657.1T698.0T802.7T842.9T
Total Current Assets101.2T90.6T128.4T137.9T158.6T166.5T
Other Current Liab204.3T(101.2T)411.5T440.2T506.2T531.5T
Other Liab56.3T86.2T102.8T87.9T101.1T106.2T
Accounts Payable12.3T8.3T36.0B36.1B41.5B39.5B
Long Term Debt124.3T140.4T120.8T127.0T146.1T153.4T
Short Term Debt75.5T92.1T15.7T12.8T14.7T21.9T
Other Current Assets44.8T52.0T626.9B654.3B588.9B559.5B
Intangible Assets2.5T2.4T1.1T1.1T1.3T1.1T
Inventory(44.5T)(44.8T)(52.0T)(40.3T)(36.2T)(38.1T)
Good Will806.4B845.2B867.0B874.0B1.0T1.1T
Net Tangible Assets35.8T39.2T44.2T45.2T51.9T31.6T
Long Term Debt Total108.9T140.4T120.4T129.6T149.0T90.0T
Capital Surpluse17.4T16.9T17.1T17.1T19.7T17.3T
Today, most investors in KB Financial Stock are looking for potential investment opportunities by analyzing not only static indicators but also various KB Financial's growth ratios. Consistent increases or decreases in fundamental ratios usually indicate a possible pattern that can be successfully translated into profits. However, when comparing two companies, knowing each company's growth growth rates may not be enough to decide which company is a better investment. That's why investors frequently use static breakdown of KB Financial growth as a starting point in their analysis.

Price Earnings To Growth Ratio

0.67

At present, KB Financial's Price Earnings To Growth Ratio is projected to increase slightly based on the last few years of reporting.

KB Financial January 12, 2026 Opportunity Range

Along with financial statement analysis, the daily predictive indicators of KB Financial help investors to analyze its daily demand and supply, volume, patterns, and price swings to determine the real value of KB Financial Group. We use our internally-developed statistical techniques to arrive at the intrinsic value of KB Financial Group based on widely used predictive technical indicators. In general, we focus on analyzing KB Financial Stock price patterns and their correlations with different microeconomic environment and drivers. We also apply predictive analytics to build KB Financial's daily price indicators and compare them against related drivers.

Complementary Tools for KB Financial Stock analysis

When running KB Financial's price analysis, check to measure KB Financial's market volatility, profitability, liquidity, solvency, efficiency, growth potential, financial leverage, and other vital indicators. We have many different tools that can be utilized to determine how healthy KB Financial is operating at the current time. Most of KB Financial's value examination focuses on studying past and present price action to predict the probability of KB Financial's future price movements. You can analyze the entity against its peers and the financial market as a whole to determine factors that move KB Financial's price. Additionally, you may evaluate how the addition of KB Financial to your portfolios can decrease your overall portfolio volatility.
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