KB Financial Group Inc.(KB)Earnings, Financials & Key Ratios

KB•NYSE•Banking & Credit

$110.89

$39.33B mkt cap·10.6× P/E·Price updated May 6, 2026

SectorFinancial Services IndustryRegional Banks Sub-IndustryNon-US regional and universal banks

AboutKB Financial Group Inc. provides a range of banking and related financial services to consumers and corporations in South Korea and internationally. The company operates through Corporate Banking, Retail Banking, Other Banking Services, Securities Business, Non-life Insurance Business, Credit Card Business, and Life Insurance Business segments. It offers loans, deposit products, and other related financial products and services to large, small, and medium-sized enterprises, as well as small and home office, and individuals and households; investment banking, and brokerage and supporting services; life insurance products; non-life insurance products; and credit sale, cash service, card loan, and other supporting services. The company also engages in securities and derivatives trading, funding, and other supporting activities. In addition, it offers foreign exchange transaction; financial investment; credit card and installment financing; financial leasing; real estate trust management; capital investment; collection of receivables or credit investigation; software advisory, development, and supply; investment advisory; claim; management; savings banking; information and communication; and general advisory services. The company was incorporated in 2008 and is headquartered in Seoul, South Korea.Show more

Net Interest Income$16083.01B+25.4%
Total Revenue$50686.37B+34.2%
Net Income$5850.53B+15.2%
Return on Equity9.66%+12.6%
Efficiency Ratio32.22%+9.9%
Book Value per Share160565.68+2.9%
Tangible BV/Share160565.68+6.4%

Analysis→Technical→

KB Key Insights

KB Financial Group Inc. (KB) fundamental analysis — strengths, weaknesses & financial health based on data analysis

✓Strengths

✓Efficient operations: 32.2% efficiency ratio
✓Diversified revenue: 42.5% from non-interest income
✓Trading at only 1.0x book value

✗Weaknesses

✗Weak Piotroski F-Score: 2/9

* These insights are generated automatically based on available financial data. Please conduct your own research before making investment decisions.

KB Price & Volume

KB Financial Group Inc. (KB) stock price & volume — 10-year historical chart

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KB Growth Metrics

KB Financial Group Inc. (KB) revenue, earnings & EPS growth — 3, 5 & 10-year CAGR

Revenue CAGR

10 Years14.91%

5 Years20.67%

3 Years25.5%

TTM-

Profit CAGR

10 Years12.98%

5 Years11.02%

3 Years12.47%

TTM15.22%

EPS CAGR

10 Years13.32%

5 Years11.86%

3 Years14.82%

TTM20.35%

Return on Capital

10 Years2.71%

5 Years2.8%

3 Years3.15%

Last Year4.89%

KB Recent Earnings

KB Financial Group Inc. (KB) EPS & revenue vs analyst estimates — last 4 quarters

Full history →

●Beat EPS 7/12 qtrs (58%)●Beat Revenue 11/12 qtrs (92%)

Q2 2026Latest

Apr 23, 2026

EPS

$3.49

Est $3.48

+0.3%

Revenue

$1.8B

Est $3.2B

-44.4%

Q2 2026

Apr 22, 2026

EPS

$3.49

Est $3.31

+5.4%

Revenue

$3.4B

Est $3.1B

+7.5%

Q2 2026

Mar 6, 2026

EPS

$1.28

Est $1.09

+17.4%

Revenue

$3.1B

Est $2.6B

+15.7%

Q2 2026

Mar 4, 2026

EPS

$1.30

Est $1.09

+19.3%

Revenue

$15.7B

Est $3.1B

+397.3%

Quarter	Date	EPS (Act vs Est)	Revenue (Act vs Est)
Q2 2026Latest	Apr 23, 2026	$3.49vs $3.48+0.3%	$1.8Bvs $3.2B-44.4%
Q2 2026	Apr 22, 2026	$3.49vs $3.31+5.4%	$3.4Bvs $3.1B+7.5%
Q2 2026	Mar 6, 2026	$1.28vs $1.09+17.4%	$3.1Bvs $2.6B+15.7%
Q2 2026	Mar 4, 2026	$1.30vs $1.09+19.3%	$15.7Bvs $3.1B+397.3%

Based on last 12 quarters of dataView full earnings history →

Company	Market Cap	Stock Price	P/E Ratio (TTM)	Revenue Growth 1Y	Return on Equity (ROE)	Debt / Equity
SHGShinhan Financial Group Co., Ltd.Direct Competitor	34.14B	68.51	9.61	12.42%	8.48%	2.77
WFWoori Financial Group Inc.Direct Competitor	16.75B	68.75	7.69	9.44%	8.76%	2.77
HDBHDFC Bank LimitedDirect Competitor	196.13B	25.63	17.58	19.15%	12.27%	0.86
IBNICICI Bank LimitedDirect Competitor	95.7B	26.75	17.87	25.19%	15.31%	0.62
MFGMizuho Financial Group, Inc.Direct Competitor	108.9B	8.85	19.73	9.47%	9.11%	5.79
SMFGSumitomo Mitsui Financial Group, Inc.Direct Competitor	139.44B	21.92	11.35	10.16%	9.06%	3.93
JPMJPMorgan Chase & Co.Product Competitor	849.03B	314.90	15.94	14.61%	16.11%	2.18
BACBank of America CorporationProduct Competitor	407.94B	53.60	14.03	-1.91%	10.1%	1.21

Compare KB vs Peers

KB Financial Group Inc. (KB) vs competitors — business, growth, and fundamentals comparison against the closest industry rivals.

Closest Rival

vs SHG

Most directly comparable listed peer for KB.

Scale Benchmark

vs JPM

Larger-name benchmark to compare KB against a more recognizable public peer.

Peer Set

Compare Top 5

vs SHG, WF, HDB, IBN

KB Income Statement

KB Financial Group Inc. (KB) annual income statement — 10-year revenue, gross profit & net income history

10Y historyFree accessUpdated daily

Line item	Dec'17	Dec'18	Dec'19	Dec'20	Dec'21	Dec'22	Dec'23	Dec'24	Dec'25
Net Interest Income	8.25T	8.9T	9.2T	9.72T	11.23T	11.55T	12.18T	12.83T	16.08T
NII Growth %	22.8%	7.98%	3.28%	5.71%	15.5%	2.86%	5.45%	5.3%	25.39%
Net Interest Margin %	1.89%	1.86%	1.77%	1.59%	1.71%	1.68%	1.7%	1.69%	-
Interest Income	11.92T	13.73T	14.64T	14.49T	15.21T	20.79T	29.14T	30.49T	29.16T
Interest Expense	3.67T	4.83T	5.44T	4.76T	3.98T	9.24T	16.96T	17.66T	13.07T
Loan Loss Provision	548.24B	673.69B	670.18B	1.04T	1.19T	1.85T	3.15T	2.04T	12.75T
Non-Interest Income	3.22T	3.59T	4.02T	5.33T	5.76T	4.86T	7.27T	7.28T	21.53T
Non-Interest Income %	21.26%	20.73%	21.53%	26.89%	27.48%	18.94%	19.97%	19.27%	42.48%
Total Revenue	15.14T▲ 0%	17.33T▲ 14.5%	18.66T▲ 7.7%	19.81T▲ 6.2%	20.97T▲ 5.9%	25.64T▲ 22.3%	36.41T▲ 42.0%	37.77T▲ 3.7%	50.69T▲ 34.2%
Revenue Growth %	24.04%	14.46%	7.68%	6.21%	5.86%	22.26%	41.99%	3.73%	34.2%
Non-Interest Expense	6.78T	7.52T	8.01T	9.23T	9.73T	9.17T	10.18T	11.07T	16.33T
Efficiency Ratio	44.78%	43.41%	42.93%	46.57%	46.37%	35.74%	27.97%	29.32%	32.22%
Operating Income	4.14T▲ 0%	4.3T▲ 3.9%	4.53T▲ 5.4%	4.78T▲ 5.4%	6.08T▲ 27.2%	5.39T▼ 11.3%	6.12T▲ 13.4%	6.99T▲ 14.1%	8.53T▲ 22.1%
Operating Margin %	27.34%	24.83%	24.3%	24.12%	29%	21.04%	16.81%	18.49%	16.83%
Operating Income Growth %	57.44%	3.94%	5.39%	5.44%	27.23%	-11.29%	13.44%	14.14%	22.13%
Pretax Income	4.14T▲ 0%	4.3T▲ 3.9%	4.53T▲ 5.4%	4.78T▲ 5.4%	6.08T▲ 27.2%	5.39T▼ 11.3%	6.12T▲ 13.4%	6.99T▲ 14.1%	8.2T▲ 17.3%
Pretax Margin %	27.34%	24.83%	24.3%	24.12%	29%	21.04%	16.81%	18.49%	16.17%
Income Tax	794.96B	1.24T	1.22T	1.26T	1.7T	1.5T	1.59T	1.96T	2.35T
Effective Tax Rate %	19.21%	28.82%	26.93%	26.45%	27.91%	27.88%	26.04%	28.01%	28.62%
Net Income	3.31T▲ 0%	3.06T▼ 7.6%	3.31T▲ 8.2%	3.47T▲ 4.7%	4.41T▲ 27.1%	4.11T▼ 6.7%	4.59T▲ 11.7%	5.08T▲ 10.5%	5.85T▲ 15.2%
Net Margin %	21.88%	17.67%	17.75%	17.5%	21.02%	16.04%	12.62%	13.45%	11.54%
Net Income Growth %	54.47%	-7.56%	8.17%	4.75%	27.13%	-6.74%	11.73%	10.52%	15.21%
Net Income (Continuing)	3.34T	3.06T	3.31T	3.52T	4.38T	3.89T	4.53T	5.03T	5.85T
EPS (Diluted)	8257.00▲ 0%	7675.86▼ 7.0%	8388.65▲ 9.3%	8730.36▲ 4.1%	10889.00▲ 24.7%	10099.00▼ 7.3%	11217.00▲ 11.1%	12725.00▲ 13.4%	15287.00▲ 20.1%
EPS Growth %	48.53%	-7.04%	9.29%	4.07%	24.73%	-7.26%	11.07%	13.44%	20.13%
EPS (Basic)	8305.00	7720.53	8450.65	8843.13	11133.00	10334.00	11483.00	12880.00	15437.00
Diluted Shares Outstanding	401.04M	398.81M	394.02M	394.76M	398.58M	398.94M	393.33M	383.37M	382.22M

KB Balance Sheet

KB Financial Group Inc. (KB) balance sheet — assets, liabilities & shareholders' equity

Line item	Dec'17	Dec'18	Dec'19	Dec'20	Dec'21	Dec'22	Dec'23	Dec'24	Dec'25
Cash & Short Term Investments	21.03T	21.46T	68.05T	88.54T	92.05T	112.01T	113.29T	124.69T	0
Cash & Due from Banks	21.03T	21.46T	21.99T	26.71T	31.68T	32.47T	30.79T	30.79T	0
Short Term Investments	0	0	46.06T	61.83T	60.38T	79.53T	82.5T	93.9T	0
Total Investments	393.7T	434.92T	469.38T	544.13T	598.31T	628.93T	652.53T	696.61T	0
Investments Growth %	14.4%	10.47%	7.92%	15.93%	9.96%	5.12%	3.75%	6.75%	-100%
Long-Term Investments	393.7T	434.92T	423.32T	482.3T	537.94T	549.39T	570.03T	602.71T	0
Accounts Receivables	0	0	0	0	0	0	0	0	0
Goodwill & Intangibles	2.94T	2.76T	2.74T	3.35T	1.79T	1.86T	1.95T	1.97T	0
Goodwill	273.45B	275.22B	275.74B	763.58B	806.41B	845.15B	866.97B	874.05B	0
Intangible Assets	2.67T	2.48T	2.46T	2.59T	980.4B	1.01T	1.08T	1.09T	0
PP&E (Net)	4.2T	4.27T	5.07T	5.43T	5.24T	4.99T	4.95T	5.39T	0
Other Assets	6.7T	9.52T	11.69T	18.31T	18.19T	19.54T	10.17T	9.59T	0
Total Current Assets	29.24T	28.12T	75.72T	101.26T	92.41T	112.68T	128.36T	137.91T	0
Total Non-Current Assets	407.55T	451.47T	442.82T	509.46T	563.31T	575.97T	587.37T	619.93T	0
Total Assets	436.79T▲ 0%	479.59T▲ 9.8%	518.54T▲ 8.1%	610.72T▲ 17.8%	655.71T▲ 7.4%	688.65T▲ 5.0%	715.73T▲ 3.9%	757.85T▲ 5.9%	0▼ 100.0%
Asset Growth %	16.27%	9.8%	8.12%	17.78%	7.37%	5.02%	3.93%	5.88%	-100%
Return on Assets (ROA)	0.82%	0.67%	0.66%	0.61%	0.7%	0.61%	0.65%	0.69%	-
Accounts Payable	21.77B	25.83B	27.55B	31.18B	33.97B	35.26B	36.01B	36.13B	0
Total Debt	75.12T	85.71T	86.65T	106.68T	139.3T	152.78T	137.04T	140.77T	0
Net Debt	54.08T	64.25T	64.66T	79.97T	107.62T	120.31T	106.25T	109.98T	0
Long-Term Debt	63.14T	72.67T	73.09T	89.79T	124.34T	140.42T	120.8T	127T	0
Short-Term Debt	11.97T	13.04T	13.02T	16.33T	14.37T	11.77T	15.65T	12.8T	0
Other Liabilities	54.71T	60.57T	78.39T	113.18T	71.56T	68.79T	105.34T	114.73T	-61.37T
Total Current Liabilities	283.91T	309.58T	325.94T	361.68T	407.12T	422.79T	427.62T	453.01T	0
Total Non-Current Liabilities	118.83T	134.3T	153.47T	205.64T	199.23T	212.06T	229.46T	245.02T	-61.37T
Total Liabilities	402.74T	443.88T	479.42T	567.32T	606.35T	634.85T	657.09T	698.03T	-61.37T
Total Equity	34.04T▲ 0%	35.71T▲ 4.9%	39.12T▲ 9.5%	43.4T▲ 10.9%	49.37T▲ 13.7%	53.8T▲ 9.0%	58.64T▲ 9.0%	59.82T▲ 2.0%	61.37T▲ 2.6%
Equity Growth %	8.9%	4.9%	9.54%	10.95%	13.74%	8.99%	8.98%	2.01%	2.6%
Equity / Assets (Capital Ratio)	7.79%	7.45%	7.54%	7.11%	7.53%	7.81%	8.19%	7.89%	-
Return on Equity (ROE)	10.14%	8.78%	8.85%	8.41%	9.51%	7.97%	8.17%	8.57%	9.66%
Book Value per Share	84890.51	89549.42	99282.08	109946.47	123854.78	134865.20	149076.32	156025.49	160565.68
Tangible BV per Share	77552.01	82639.38	92333.71	101457.41	119371.84	130206.69	144116.47	150895.48	160565.68
Common Stock	2.09T	2.09T	2.09T	2.09T	2.09T	2.09T	2.09T	2.09T	0
Additional Paid-in Capital	17.12T	17.12T	17.12T	16.72T	16.94T	16.94T	16.65T	16.65T	0
Retained Earnings	15.04T	17.28T	19.71T	22.54T	26.42T	28.89T	31.93T	34.81T	0
Accumulated OCI	537.67B	177.81B	348.02B	630.01B	1.38T	1T	2.15T	496.92B	59.58T
Treasury Stock	-755.97B	-968.55B	-1.14T	-1.14T	-1.14T	-836.19B	-1.17T	-1.24T	0
Preferred Stock	0	0	0	0	0	0	0	0	0

KB Cash Flow Statement

KB Financial Group Inc. (KB) cash flow — operating, investing & free cash flow history

Line item	Dec'17	Dec'18	Dec'19	Dec'20	Dec'21	Dec'22	Dec'23	Dec'24	Dec'25
Cash from Operations	-4.84T	-8.96T	9.4T	-8.41T	-2.03T	4.76T	4.11T	4.02T	0
Operating CF Growth %	-529.87%	-85.23%	204.95%	-189.47%	75.92%	335.04%	-13.69%	-2.16%	-100%
Net Income	3.34T	3.06T	3.31T	3.52T	4.38T	3.89T	4.53T	5.03T	5.84T
Depreciation & Amortization	550.34B	623.63B	976.89B	1.05T	1.01T	878.84B	865.93B	916.29B	0
Deferred Taxes	0	0	0	0	0	0	0	0	0
Other Non-Cash Items	2.61T	2.66T	2.38T	3.71T	4.44T	-2.96T	-3.16T	-5.16T	-5.84T
Working Capital Changes	-11.42T	-15.32T	2.68T	-16.73T	-11.96T	2.9T	1.8T	3.09T	0
Cash from Investing	-8.73T	-4.48T	-12.33T	-10.99T	-3.86T	-19.64T	-3.52T	-3.83T	0
Purchase of Investments	-46.59T	-73.62T	-91.74T	-106.71T	-69.19T	-57.21T	-58.6T	-64.08T	0
Sale/Maturity of Investments	38.19T	70.43T	80.88T	97.52T	65.29T	36.48T	55.96T	60.97T	0
Net Investment Activity	-8.4T	-3.19T	-10.86T	-9.19T	-3.9T	-20.73T	-2.64T	-3.11T	0
Acquisitions	-405.82B	188.14B	91.59B	-1.95T	374.99B	932.43B	1.3T	88.53B	0
Other Investing	374.83B	-1.03T	-954.97B	573.94B	-43.3B	459.29B	-1.83T	-471.08B	0
Cash from Financing	14.69T	11.74T	2.28T	25.26T	10.82T	15.18T	-1.24T	-1.98T	0
Dividends Paid	-497.97B	-766.73B	-766.25B	-883.95B	-981.88B	-1.44T	-1.15T	-1.49T	0
Share Repurchases	-185.53B	-224.7B	-274.32B	0	0	0	-571.75B	-820B	0
Stock Issued	3.52B	0	0	0	0	0	0	0	0
Net Stock Activity	-182.02B	-224.7B	-274.32B	0	0	0	-571.75B	-820B	0
Debt Issuance (Net)	1000K	1000K	1000K	1000K	1000K	1000K	-1000K	1000K	0
Other Financing	631.31B	96.23B	1.01T	3.75T	477.49B	1.23T	2.85T	-190.58B	0
Net Change in Cash	990.06B▲ 0%	-1.76T▼ 278.0%	-519.09B▲ 70.5%	5.6T▲ 1179.0%	5.18T▼ 7.5%	501.64B▼ 90.3%	-708.21B▼ 241.2%	-1.22T▼ 71.9%	-24.61T▼ 1920.9%
Exchange Rate Effect	-133.24B	-67.95B	137.02B	-261.67B	241.54B	197.2B	-58.47B	570.99B	0
Cash at Beginning	7.41T	8.4T	6.64T	14.49T	20.09T	26.03T	26.53T	25.83T	24.61T
Cash at End	8.4T	6.64T	6.12T	20.09T	25.27T	26.53T	25.83T	24.61T	0
Interest Paid	0	0	0	0	0	0	0	0	0
Income Taxes Paid	0	0	0	0	0	0	0	0	0
Free Cash Flow	-5.25T▲ 0%	-9.54T▼ 81.8%	8.46T▲ 188.7%	-9.02T▼ 206.6%	-2.5T▲ 72.2%	4.26T▲ 270.3%	3.43T▼ 19.6%	3.39T▼ 1.0%	0▼ 100.0%
FCF Growth %	-951.36%	-81.77%	188.7%	-206.62%	72.24%	270.27%	-19.58%	-1.02%	-100%

KB Banking Ratios

KB Financial Group Inc. (KB) financial ratios — P/E, ROE, debt and 30+ core market and balance-sheet ratios

Metric	2016	2017	2018	2019	2020	2021	2022	2023	2024	2025
Return on Equity (ROE)	7.13%	10.14%	8.78%	8.85%	8.41%	9.51%	7.97%	8.17%	8.57%	9.66%
Return on Assets (ROA)	0.61%	0.82%	0.67%	0.66%	0.61%	0.7%	0.61%	0.65%	0.69%	-
Net Interest Margin	1.79%	1.89%	1.86%	1.77%	1.59%	1.71%	1.68%	1.7%	1.69%	-
Efficiency Ratio	44.38%	44.78%	43.41%	42.93%	46.57%	46.37%	35.74%	27.97%	29.32%	32.22%
Equity / Assets	8.32%	7.79%	7.45%	7.54%	7.11%	7.53%	7.81%	8.19%	7.89%	-
Book Value / Share	81.07K	84.89K	89.55K	99.28K	109.95K	123.85K	134.87K	149.08K	156.03K	160.57K
NII Growth	8.26%	22.8%	7.98%	3.28%	5.71%	15.5%	2.86%	5.45%	5.3%	25.39%
Dividend Payout	17.66%	15.04%	25.05%	23.14%	25.49%	22.27%	34.96%	25.07%	29.28%	-

KB Frequently Asked Questions

KB Financial Group Inc. (KB) stock FAQ — growth, dividends, profitability & financials explained

Growth & Financials

KB Financial Group Inc. (KB) grew revenue by 34.2% over the past year. This is strong growth.

Yes, KB Financial Group Inc. (KB) is profitable, generating $5.84T in net income for fiscal year 2025 (11.5% net margin).

Dividend & Returns

KB Financial Group Inc. (KB) has a return on equity (ROE) of 9.7%. This is below average, suggesting room for improvement.

Industry Metrics

KB Financial Group Inc. (KB) has a net interest margin (NIM) of N/A. NIM has been under pressure due to interest rate environment.

KB Financial Group Inc. (KB) has an efficiency ratio of 32.2%. This is excellent, indicating strong cost control.

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KB Financial Group Inc. (KB) financial analysis — history, returns, DCA and operating performance tools

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KB Financial Group Inc.(KB)Earnings, Financials & Key Ratios

KB Key Insights

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KB Price & Volume

KB Growth Metrics

Revenue CAGR

Profit CAGR

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Return on Capital

KB Recent Earnings

KB Peer Comparison

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KB Income Statement

KB Balance Sheet

KB Cash Flow Statement

KB Banking Ratios

KB Frequently Asked Questions

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