KB
KB Financial Group Inc.
Banks - Regional
Market Cap$39.33B
5Y Perf.+305.4%
Compare Stocks
2 / 10Try these comparisons:
Stock Comparison
KB vs SHG
Revenue, margins, valuation, and 5-year total return — side by side.
SHG
Shinhan Financial Group Co., Ltd.
Banks - Regional
Market Cap$34.14B
5Y Perf.+179.6%
KB vs SHG — Key Financials
Market cap, revenue, margins, and valuation side-by-side.
| Company Snapshot | KB | SHG |
|---|---|---|
| Industry | Banks - Regional | Banks - Regional |
| Market Cap | $39.33B | $34.14B |
| Revenue (TTM) | $50.69T | $39.77T |
| Net Income (TTM) | $5.84T | $5.00T |
| Gross Margin | 49.1% | 53.3% |
| Operating Margin | 16.8% | 17.9% |
| Forward P/E | 0.0x | 0.0x |
| Total Debt | $0.00 | $154.21T |
| Cash & Equiv. | $0.00 | $21.14T |
KB vs SHG — Long-Term Stock Performance
Price return indexed to 100 at period start. Dividends excluded.
KB
SHG
| Stock | May 20 | May 26 | Return |
|---|---|---|---|
| KB Financial Group … (KB) | 100 | 405.4 | +305.4% |
| Shinhan Financial G… (SHG) | 100 | 279.6 | +179.6% |
Price return only. Dividends and distributions are not included.
Quick Verdict: KB vs SHG
Each card shows where this stock fits in a portfolio — not just who wins on paper.
Bottom line: SHG leads in 4 of 7 categories, making it the strongest pick for valuation and capital efficiency and capital preservation and lower volatility. KB Financial Group Inc. is the stronger pick specifically for growth and revenue expansion and profitability and margin quality. As sector peers, any of these can serve as alternatives in the same allocation.
KB
KB Financial Group Inc.
The Banking Pick
KB is the clearest fit if your priority is income & stability and growth exposure.
- Dividend streak 1 yrs, beta 1.22
- Rev growth 34.2%, EPS growth 20.1%
- 356.4% 10Y total return vs SHG's 148.8%
Best for: income & stability and growth exposure
SHG
Shinhan Financial Group Co., Ltd.
The Banking Pick
SHG carries the broadest edge in this set and is the clearest fit for sleep-well-at-night and defensive.
- Lower volatility, beta 0.89, current ratio 0.36x
- Beta 0.89, yield 2.6%, current ratio 0.36x
- Lower P/E (0.0x vs 0.0x)
Best for: sleep-well-at-night and defensive
See the full category breakdown
| Category | Winner | Why |
|---|---|---|
| Growth | KB | 34.2% NII/revenue growth vs SHG's 12.4% |
| Value | SHG | Lower P/E (0.0x vs 0.0x) |
| Quality / Margins | KB | Efficiency ratio 0.3% vs SHG's 0.4% (lower = leaner) |
| Stability / Safety | SHG | Beta 0.89 vs KB's 1.22 |
| Dividends | SHG | 2.6% yield; 1-year raise streak; the other pay no meaningful dividend |
| Momentum (1Y) | SHG | +90.4% vs KB's +71.2% |
| Efficiency (ROA) | KB | Efficiency ratio 0.3% vs SHG's 0.4% |
KB vs SHG — Financial Metrics
Side-by-side numbers across 2 stocks — who leads on profitability, valuation, growth, and risk.
BEST OVERALLKBLAGGINGSHG
SHGShinhan Financial Gro…
2leads
KBKB Financial Group In…
2leads
6 Total Categories
CATEGORYLEADERvs SHGMETRICS WON
Income & Cash FlowRevenue, margins, and cash flow strength
SHG4/4
Valuation MetricsMultiples, price ratios, and targets
Tied
—
Profitability & EfficiencyROE, ROIC, leverage, and quality scores
KB6/7
Total Returns1Y, 3Y, 5Y total returns with dividends
KB5/6
Risk & VolatilityBeta, volatility, and downside exposure
SHG2/2
Analyst OutlookRatings, price targets, and dividends
—
—
Income & Cash Flow (Last 12 Months)
SHG leads this category, winning 4 of 4 comparable metrics.
Income & Cash Flow (Last 12 Months)
KB and SHG operate at a comparable scale, with $50.69T and $39.77T in trailing revenue. Profitability is closely matched — net margins range from 12.7% (SHG) to 11.5% (KB).
| Metric | KBKB Financial Grou… | SHGShinhan Financial… |
|---|---|---|
| RevenueTrailing 12 months | $50.69T | $39.77T |
| EBITDAEarnings before interest/tax | $9.21T | $8.41T |
| Net IncomeAfter-tax profit | $5.84T | $5.00T |
| Free Cash FlowCash after capex | -$8.38T | -$10.55T |
| Gross MarginGross profit ÷ Revenue | +49.1% | +53.3% |
| Operating MarginEBIT ÷ Revenue | +16.8% | +17.9% |
| Net MarginNet income ÷ Revenue | +11.5% | +12.7% |
| FCF MarginFCF ÷ Revenue | — | +15.6% |
| Rev. Growth (YoY)Latest quarter vs prior year | — | — |
| EPS Growth (YoY)Latest quarter vs prior year | +12.6% | +48.3% |
SHG leads this category, winning 4 of 4 comparable metrics.
Valuation Metrics
Evenly matched — KB and SHG each lead in 3 of 6 comparable metrics.
Valuation Metrics
At 9.6x trailing earnings, SHG trades at a 9% valuation discount to KB's 10.6x P/E. Adjusting for growth (PEG ratio), KB offers better value at 0.89x vs SHG's 1.03x — a lower PEG means you pay less per unit of expected earnings growth.
| Metric | KBKB Financial Grou… | SHGShinhan Financial… |
|---|---|---|
| Market CapShares × price | $39.3B | $34.1B |
| Enterprise ValueMkt cap + debt − cash | $39.3B | $125.6B |
| Trailing P/EPrice ÷ TTM EPS | 10.56x | 9.61x |
| Forward P/EPrice ÷ next-FY EPS est. | 0.01x | 0.01x |
| PEG RatioP/E ÷ EPS growth rate | 0.89x | 1.03x |
| EV / EBITDAEnterprise value multiple | 6.71x | 22.51x |
| Price / SalesMarket cap ÷ Revenue | 1.13x | 1.25x |
| Price / BookPrice ÷ Book value/share | 1.01x | 0.89x |
| Price / FCFMarket cap ÷ FCF | — | 8.02x |
Evenly matched — KB and SHG each lead in 3 of 6 comparable metrics.
Profitability & Efficiency
KB leads this category, winning 6 of 7 comparable metrics.
Profitability & Efficiency
KB delivers a 9.6% return on equity — every $100 of shareholder capital generates $10 in annual profit, vs $8 for SHG. On the Piotroski fundamental quality scale (0–9), SHG scores 9/9 vs KB's 2/9, reflecting strong financial health.
| Metric | KBKB Financial Grou… | SHGShinhan Financial… |
|---|---|---|
| ROE (TTM)Return on equity | +9.6% | +8.5% |
| ROA (TTM)Return on assets | +1.0% | +0.7% |
| ROICReturn on invested capital | +4.9% | +2.5% |
| ROCEReturn on capital employed | — | +1.4% |
| Piotroski ScoreFundamental quality 0–9 | 2 | 9 |
| Debt / EquityFinancial leverage | — | 2.77x |
| Net DebtTotal debt minus cash | $0 | $133.07T |
| Cash & Equiv.Liquid assets | $0 | $21.14T |
| Total DebtShort + long-term debt | $0 | $154.21T |
| Interest CoverageEBIT ÷ Interest expense | 0.65x | 0.41x |
KB leads this category, winning 6 of 7 comparable metrics.
Total Returns (Dividends Reinvested)
KB leads this category, winning 5 of 6 comparable metrics.
Total Returns (Dividends Reinvested)
A $10,000 investment in KB five years ago would be worth $23,794 today (with dividends reinvested), compared to $20,903 for SHG. Over the past 12 months, SHG leads with a +90.4% total return vs KB's +71.2%. The 3-year compound annual growth rate (CAGR) favors KB at 46.5% vs SHG's 39.5% — a key indicator of consistent wealth creation.
| Metric | KBKB Financial Grou… | SHGShinhan Financial… |
|---|---|---|
| YTD ReturnYear-to-date | +29.7% | +27.7% |
| 1-Year ReturnPast 12 months | +71.2% | +90.4% |
| 3-Year ReturnCumulative with dividends | +214.3% | +171.7% |
| 5-Year ReturnCumulative with dividends | +137.9% | +109.0% |
| 10-Year ReturnCumulative with dividends | +356.4% | +148.8% |
| CAGR (3Y)Annualised 3-year return | +46.5% | +39.5% |
KB leads this category, winning 5 of 6 comparable metrics.
Risk & Volatility
SHG leads this category, winning 2 of 2 comparable metrics.
Risk & Volatility
SHG is the less volatile stock with a 0.89 beta — it tends to amplify market swings less than KB's 1.22 beta. A beta below 1.0 means the stock typically moves less than the S&P 500.
| Metric | KBKB Financial Grou… | SHGShinhan Financial… |
|---|---|---|
| Beta (5Y)Sensitivity to S&P 500 | 1.22x | 0.89x |
| 52-Week HighHighest price in past year | $119.71 | $73.40 |
| 52-Week LowLowest price in past year | $65.31 | $35.96 |
| % of 52W HighCurrent price vs 52-week peak | +92.6% | +93.3% |
| RSI (14)Momentum oscillator 0–100 | 54.8 | 56.4 |
| Avg Volume (50D)Average daily shares traded | 251K | 305K |
SHG leads this category, winning 2 of 2 comparable metrics.
Analyst Outlook
Insufficient data to determine a leader in this category.
Analyst Outlook
Wall Street rates KB as "Hold" and SHG as "Buy". SHG is the only dividend payer here at 2.65% yield — a key consideration for income-focused portfolios.
| Metric | KBKB Financial Grou… | SHGShinhan Financial… |
|---|---|---|
| Analyst RatingConsensus buy/hold/sell | Hold | Buy |
| Price TargetConsensus 12-month target | — | — |
| # AnalystsCovering analysts | 6 | 2 |
| Dividend YieldAnnual dividend ÷ price | — | +2.6% |
| Dividend StreakConsecutive years of raises | 1 | 1 |
| Dividend / ShareAnnual DPS | — | $2641.09 |
| Buyback YieldShare repurchases ÷ mkt cap | 0.0% | +2.5% |
Insufficient data to determine a leader in this category.
Key Takeaway
SHG leads in 2 of 6 categories (Income & Cash Flow, Risk & Volatility). KB leads in 2 (Profitability & Efficiency, Total Returns). 1 tied.
Best OverallKB Financial Group Inc. (KB)Leads 2 of 6 categories
Loading custom metrics...
KB vs SHG: Frequently Asked Questions
10 questions · data-driven answers · updated daily
01Is KB or SHG a better buy right now?
For growth investors, KB Financial Group Inc.
(KB) is the stronger pick with 34. 2% revenue growth year-over-year, versus 12. 4% for Shinhan Financial Group Co. , Ltd. (SHG). Shinhan Financial Group Co. , Ltd. (SHG) offers the better valuation at 9. 6x trailing P/E (0. 0x forward), making it the more compelling value choice. Analysts rate Shinhan Financial Group Co. , Ltd. (SHG) a "Buy" — based on 2 analyst ratings — the highest consensus in this comparison. The "better buy" depends entirely on your goals: growth investors should weight revenue trajectory, value investors should weight P/E and PEG, and income investors should weight dividend yield and streak.
02Which has the better valuation — KB or SHG?
On trailing P/E, Shinhan Financial Group Co.
, Ltd. (SHG) is the cheapest at 9. 6x versus KB Financial Group Inc. at 10. 6x. On forward P/E, Shinhan Financial Group Co. , Ltd. is actually cheaper at 0. 0x. The PEG ratio (P/E divided by earnings growth rate) is the most growth-adjusted single valuation metric: KB Financial Group Inc. wins at 0. 00x versus Shinhan Financial Group Co. , Ltd. 's 0. 00x — a PEG below 1. 0 traditionally signals the market is underpricing earnings growth.
03Which is the better long-term investment — KB or SHG?
Over the past 5 years, KB Financial Group Inc.
(KB) delivered a total return of +137. 9%, compared to +109. 0% for Shinhan Financial Group Co. , Ltd. (SHG). Over 10 years, the gap is even starker: KB returned +356. 4% versus SHG's +148. 8%. Past returns do not guarantee future results, and the stock with the higher historical return may already have its best growth priced in.
04Which is safer — KB or SHG?
By beta (market sensitivity over 5 years), Shinhan Financial Group Co.
, Ltd. (SHG) is the lower-risk stock at 0. 89β versus KB Financial Group Inc. 's 1. 22β — meaning KB is approximately 37% more volatile than SHG relative to the S&P 500.
05Which is growing faster — KB or SHG?
By revenue growth (latest reported year), KB Financial Group Inc.
(KB) is pulling ahead at 34. 2% versus 12. 4% for Shinhan Financial Group Co. , Ltd. (SHG). On earnings-per-share growth, the picture is similar: Shinhan Financial Group Co. , Ltd. grew EPS 23. 0% year-over-year, compared to 20. 1% for KB Financial Group Inc.. Higher growth typically commands a higher valuation multiple — check whether the premium P/E or P/S is justified by the growth rate using the PEG ratio.
06Which has better profit margins — KB or SHG?
Shinhan Financial Group Co.
, Ltd. (SHG) is the more profitable company, earning 12. 7% net margin versus 11. 5% for KB Financial Group Inc. — meaning it keeps 12. 7% of every revenue dollar as bottom-line profit. Operating margin tells a similar story: SHG leads at 17. 9% versus 16. 8% for KB. At the gross margin level — before operating expenses — SHG leads at 53. 3%, reflecting greater pricing power or product mix advantage. Stronger margins indicate durable pricing power, lower cost of revenue, or higher mix of software/services. They are one of the clearest signs of business quality.
07Is KB or SHG more undervalued right now?
The PEG ratio (forward P/E divided by expected earnings growth rate) is the most precise measure of undervaluation relative to growth potential.
By this metric, KB Financial Group Inc. (KB) is the more undervalued stock at a PEG of 0. 00x versus Shinhan Financial Group Co. , Ltd. 's 0. 00x. A PEG below 1. 0 is traditionally considered the threshold for growth-adjusted undervaluation. On forward earnings alone, Shinhan Financial Group Co. , Ltd. (SHG) trades at 0. 0x forward P/E versus 0. 0x for KB Financial Group Inc. — 0. 0x cheaper on a one-year earnings basis.
08Which pays a better dividend — KB or SHG?
In this comparison, SHG (2.
6% yield) pays a dividend. KB does not pay a meaningful dividend and should not be held primarily for income.
09Is KB or SHG better for a retirement portfolio?
For long-horizon retirement investors, Shinhan Financial Group Co.
, Ltd. (SHG) is the stronger choice — it scores higher on the combination of lower volatility, dividend reliability, and long-term compounding (low volatility (β 0. 89), 2. 6% yield, +148. 8% 10Y return). Both have compounded well over 10 years (SHG: +148. 8%, KB: +356. 4%), confirming both are viable long-term holds — but the lower-volatility option typically results in less emotional selling during corrections. Retirement portfolios generally favour predictability over maximum returns. Consult a financial advisor before making allocation decisions.
10What are the main differences between KB and SHG?
Both stocks operate in the Financial Services sector, making this a peer-level intra-sector comparison — the same macro tailwinds and headwinds will affect both.
In terms of investment character: KB is a mid-cap high-growth stock; SHG is a mid-cap deep-value stock. SHG pays a dividend while KB does not, making them suitable for different income and tax situations. These fundamental differences mean investors should not choose between them on a single metric — the "better stock" depends entirely on which of these characteristics aligns with your investment strategy.
Find Stocks Like These
Explore pre-built screens for each stock's profile, or build a custom screen to find stocks that outperform both.
Revenue Growth>
%
(KB: 34.2% · SHG: 12.4%)Net Margin>
%
(KB: 11.5% · SHG: 12.7%)P/E Ratio<
x
(KB: 10.6x · SHG: 9.6x)You Might Also Compare
Based on how these companies actually compete and overlap — not just which sector they're filed under.