KB Financial Valuation
| KB Stock | USD 100.39 -3.05 -2.95% |
With shares trading at $100.39 against a Real Value estimate of $119.19 per share, KB Financial looks undervalued. This estimate is based on an evaluation of KB Financial fundamentals, including shares owned by institutions of 5.83%, return on assets of 0.75%, and profit margin of 37%, together with its technical indicators and probability of bankruptcy. The most relevant valuation inputs for KB Financial include:
Fiscal trend analysis indicates Cash is set to increase significantly relative to last year. During the previous reporting period, Cash was 35.41 Trillion. This year, Accounts Payable is anticipated to decline to approximately 39.5 B. In addition to that, Change To Account Receivables is expected to increase toward approximately -81.7 B.
Undervalued
Today
From a risk standpoint, KB Financial's price movement is currently Very Low. This valuation view for KB Financial Group reflects a 3 months time horizon. A broader horizon usually helps the model produce a more dependable value estimate over time.
Exchange trading determines the market value of KB Financial Stock as investors continuously reset price. Price can deviate from underlying value, and that disconnect may become relevant if the market later re-prices the asset more efficiently. | Historical | Market 100.39 | Real 119.19 | Target 124.49 | Hype 100.39 | Naive 106.64 |
The intrinsic value of KB Financial's stock can be calculated using various methods such as discounted cash flow or dividend analysis. That value may differ from its market price, which is determined by factors such as investor sentiment, market trends, headlines, and other.
Assessing the upside and downside potential of KB Financial Group gives investors a clearer view of the risk-reward trade-off. Adding KB Financial stock to a portfolio requires understanding both its growth ceiling and its downside exposure.When choosing an evaluation method for KB Financial Group, ensure it is appropriate for the firm given its current financial situation and market classification. If more than one evaluation category is relevant, we suggest using all methods to arrive at a better estimate.
Main Profitability Drivers
On a profitability basis, KB Financial carries a 36.72% net margin and a 50.02% operating margin. A 13.30-point margin gap suggests that below-the-line items meaningfully affect KB Financial's net profitability. From 50.69 Trillion in revenue, KB Financial retained 15.88 Trillion after cost of goods and reported 5.84 Trillion in net income. At 9.68% ROE and 0.75% ROA, KB Financial's efficiency metrics offer insight into capital and asset utilization. Deteriorating profitability trends for KB Financial indicate that cost pressures or revenue weakness may be outpacing operational gains. For a deeper look, explore KB Financial's profitability breakdown.
Price Book 0.9192 | Gross Profit | Price Sales 0.0023 | Profit Margin | Enterprise Value Revenue 8.8124 |
KB Financial Cash | 37.18 Trillion |
Total Value Analysis
KB Financial Group currently shows enterprise value of 45.79 T, market capitalization of 36.17 B, debt of -61.37 T, and cash on hand of 85.9 T. Used properly, enterprise value helps organize the capital-structure picture, but it should still be tested against revenue quality, margins, and broader fundamentals.| Takeover Price | Market Cap | Debt Obligations | Cash |
45.79 T | 36.17 B | -61.37 T | 85.9 T |
Investor Information
The company has price-to-book ratio of 0.92. Typically companies with comparable Price to Book (P/B) are able to outperform the market in the long run. KB Financial Group has Price/Earnings To Growth (PEG) ratio of 0.71. The company recorded earnings per share (EPS) of 10.12. The firm had its last dividend issued on the 13th of November 2025. KB Financial completed a 106:100 stock split on 26th of December 2001. Reviewing balance sheet structure and operating performance, KB Financial Group reflects measured financial stability. Operating returns remain positive, suggesting ongoing earnings capacity. For financial institutions, capital adequacy, leverage ratios, and funding structure are central to financial strength assessment.| Current Value | Last Year | Change From Last Year | 10 Year Trend | ||||||
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| Operating Profit Margin | 0.14 | 0.1683 |
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| Operating Income | 9 T | 8.5 T |
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Asset Utilization
The concept of asset utilization usually refers to the revenue earned for every dollar of assets a company currently reports. The current return on assets of KB Financial suggests not a very effective usage of assets in March.Macro event markers
Profitability Analysis
Taking into consideration KB Financial's profitability measurements, KB Financial Group may not be well positioned to generate adequate gross income at this time. It has a very high probability of underperforming in April. Profitability indicators assess KB Financial's ability to earn profits and add value for shareholders.Net Income | First Reported 2000-03-31 | Previous Quarter 1.7 T | Current Value 721.2 B | Quarterly Volatility 739.8 B |
Macro event markers
| Current Value | Last Year | Change From Last Year | 10 Year Trend | ||||||
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| Gross Profit Margin | 0.41 | 0.4906 |
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| Net Profit Margin | 0.096 | 0.1154 |
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| Operating Profit Margin | 0.14 | 0.1683 |
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| Pretax Profit Margin | 0.14 | 0.1617 |
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| Return On Assets | 0.0074 | 0.0077 |
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| Return On Equity | 0.11 | 0.0953 |
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Profitability analysis for KB Financial Group works best when investors review the financial ratios and fundamental drivers that explain how efficiently the business converts revenue, assets, and operating inputs into earnings. The stronger read comes from understanding both the ratios themselves and the business drivers working behind those ratios.
Earnings per Share Projection vs Actual
KB Financial currently shows forward EPS consensus of 4,263, with dispersion from 4,263 to 4,263. EPS TTM stands at 10.12. For KB Financial, EPS is most informative when read together with margin stability and cash-flow conversion. Analyst EPS projections for KB Financial Group help frame the market's expectations, but the consensus should still be tested against accounting quality, guidance changes, and prior forecast error. KB Financial is projected to generate 4263.00675 in earnings per share on 31st of December 2026. Future earnings-per-share expectations are often a key input when investors test valuation assumptions and momentum into the next quarter.Macro event markers
Earnings Estimation Breakdown
Analyst consensus for KB Financial sets the next projected EPS at 4263.00675, with estimates ranging from 4263.00675 on the low end to 4263.00675 on the high end. This range reflects the degree of analyst disagreement about KB Financial's near-term earnings trajectory. The estimate is based on trailing twelve-month data and excludes non-recurring items that could distort the underlying earnings trend.Last Reported EPS
4,263 Lowest | Expected EPS | 4,263 Highest |
Earnings Projection Consensus
For KB Financial, when the consensus earnings-based valuation exceeds the live market price, some investors see this as a potential long opportunity. When the market price runs ahead of the estimate, downside risk may be elevated if expectations soften. These scenario-based signals are most useful when combined with fundamental analysis and sector positioning.
| Number of Analysts | Historical Accuracy | Last Reported EPS | Estimated EPS for 31st of December 2026 | Current EPS (TTM) | |
| 2 | 79.8% | 2034.0 | 4263.00675 | 10.12 |
Ownership Allocation
About 94.17% of KB Financial outstanding shares are held by general public with 5.83% by institutional investors. Of KB Financial's outstanding shares, about 6% are held by institutions and 94% by the general public.Revenue and Profit Overview
The company generated yearly revenue of 50.69 T. Reported Net Income was 5.84 T with gross profit of 15.88 T.Historical Distributions to Stockholders
The dividend profile of KB Financial may reflect broader capital allocation priorities and management discipline. Investors often compare dividend payments with profitability and free cash flow trends. Income-focused investors may want to check historical dividend payments.
| 29th of August 2025 | ||
| 30th of May 2025 | ||
| 24th of April 2025 | ||
| 19th of November 2024 | ||
| 15th of August 2024 | ||
| 17th of May 2024 | ||
| 22nd of April 2024 |
Valuation analysis for KB Financial Group should be treated as an ongoing process rather than a one-time answer, especially when investors are trying to understand how the market is pricing this stock. This becomes more informative when investors compare operating progress, market capitalization, and expected business performance in the same review.
Valuation Framework, Methodology & Assumptions
KB Financial is a large-cap equity in Diversified Banks, Banks - Regional, Financial Services categories. Current pricing reflects market expectations around growth and margins. Profitability remains modest. KB Financial currently trades at P/E of 4.13, P/B of 0.92, P/S of 0.0.
Data shown for KB Financial Group is aggregated from periodic company reporting and market reference feeds and normalized across reporting formats. Analyst inputs may be included when coverage is available. Source publication cadence can introduce delays. Valuation outputs are model-derived and depend on published assumptions and reference inputs.
This content is curated and reviewed by:
Vlad Skutelnik - Macroaxis ContributorGrowth Indicators
Growth investing in KB Financial Group can be rewarding, but it usually depends on the market continuing to believe in above-average sales and earnings expansion. The stronger process compares growth rates with margins, cash generation, and the cost of sustaining that expansion.
| Common Stock Shares Outstanding | 382.2 M | |
| Quarterly Earnings Growth Y O Y | 0.089 | |
| Forward Price Earnings | 3.8491 |
KB Financial Current Valuation Indicators
A net-worth review of KB Financial Group links market cap to balance-sheet health, cash flow, and implied growth expectations. Current market capitalization is about 36.17 Billion, enterprise value is near 45.79 Trillion, and annual revenue is around 50.69 Trillion.
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