KB Financial Group Inc. (KB) 10-Year Financial Performance & Capital Metrics

KB • • Banking & Credit

Financial ServicesRegional BanksInternational & Latin American BankingInternational Trade Banking

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 $12826.71B +5.3%
Total Revenue $37768.99B +3.7%
Net Income $5078.22B +10.5%
Return on Equity 8.57% +4.9%
Net Interest Margin 1.69% -0.6%
Efficiency Ratio 29.32% +4.8%
ROA 0.69% +5.3%
Equity / Assets 7.89% -3.7%
Book Value per Share 156025.49 +4.7%
Tangible BV/Share 150895.48 +4.7%
Debt/Equity 2.35 +0.7%

Technical Analysis

Key Insights

Based on financial data analysis

✓Strengths

✓Strong Piotroski F-Score: 7/9
✓Efficient operations: 29.3% efficiency ratio
✓Share count reduced 2.5% through buybacks
✓Trading near 52-week high
✓Trading at only 0.0x book value

✗Weaknesses

✗High debt to equity ratio of 2.4x
✗Weak NIM of 1.7%

Price & Volume

Loading chart...

Growth Metrics

Revenue CAGR

10Y9.82%

5Y15.15%

3Y21.66%

TTM-

Profit (Net Income) CAGR

10Y13.75%

5Y8.93%

3Y4.82%

TTM24.84%

EPS CAGR

10Y13.42%

5Y8.69%

3Y5.33%

TTM29.81%

ROCE

10Y Avg2.46%

5Y Avg2.25%

3Y Avg2.22%

Latest2.36%

Peer Comparison

International Trade Banking

Name	Market Cap	Current Price	P/E Ratio	Revenue Growth 1Y	Net Margin	ROE	FCF Yield	Debt/Equity
CATYCathay General Bancorp	3.46B	50.81	12.86	6.11%	20.56%	10.5%	9.42%	0.08
IBOCInternational Bancshares Corporation	4.39B	70.69	10.76	7.5%	39.23%	13.44%	10.46%	0.23
BLXBanco Latinoamericano de Comercio Exterior, S. A.	1.29B	44.99	8.03	18.61%	25.4%	15.57%		3.43
HDBHDFC Bank Limited	166.72B	32.51	0.23	19.15%	16.06%	12.21%	100%	0.86
IBNICICI Bank Limited	110.22B	30.82	0.22	25.19%	17.32%	15.31%		0.62
MFGMizuho Financial Group, Inc.	104.86B	8.49	0.12	9.47%	10.3%	9.11%		5.79
KBKB Financial Group Inc.	31.94B	89.08	0.01	3.73%	13.45%	9.46%	100%	2.35
SHGShinhan Financial Group Co., Ltd.	26.05B	54.10	0.01	4.66%	12.58%	8.03%	100%	2.55

Profit & Loss

	Dec 2015	Dec 2016	Dec 2017	Dec 2018	Dec 2019	Dec 2020	Dec 2021	Dec 2022	Dec 2023	Dec 2024
Net Interest Income+	6.2T	6.72T	8.25T	8.9T	9.2T	9.72T	11.23T	11.55T	12.18T	12.83T
NII Growth %	-0.03%	0.08%	0.23%	0.08%	0.03%	0.06%	0.16%	0.03%	0.05%	0.05%
Net Interest Margin %	-	-	-	-	-	-	-	-	-	-
Interest Income	10.38T	10.33T	11.92T	13.73T	14.64T	14.49T	15.21T	20.79T	29.14T	30.49T
Interest Expense	4.17T	3.62T	3.67T	4.83T	5.44T	4.76T	3.98T	9.24T	16.96T	17.66T
Loan Loss Provision	1.04T	539.28B	548.24B	673.69B	670.18B	1.04T	1.19T	1.85T	3.15T	2.04T
Non-Interest Income+	2.25T	1.87T	3.22T	3.59T	4.02T	5.33T	5.76T	4.86T	7.27T	7.28T
Non-Interest Income %	-	-	-	-	-	-	-	-	-	-
Total Revenue+	12.63T	12.2T	15.14T	17.33T	18.66T	19.81T	20.97T	25.64T	36.41T	37.77T
Revenue Growth %	-0.15%	-0.03%	0.24%	0.14%	0.08%	0.06%	0.06%	0.22%	0.42%	0.04%
Non-Interest Expense	5.26T	5.42T	6.78T	7.52T	8.01T	9.23T	9.73T	9.17T	10.18T	11.07T
Efficiency Ratio	-	-	-	-	-	-	-	-	-	-
Operating Income+	2.16T	2.63T	4.14T	4.3T	4.53T	4.78T	6.08T	5.39T	6.12T	6.99T
Operating Margin %	-	-	-	-	-	-	-	-	-	-
Operating Income Growth %	0.14%	0.21%	0.57%	0.04%	0.05%	0.05%	0.27%	-0.11%	0.13%	0.14%
Pretax Income+	2.16T	2.63T	4.14T	4.3T	4.53T	4.78T	6.08T	5.39T	6.12T	6.99T
Pretax Margin %	-	-	-	-	-	-	-	-	-	-
Income Tax+	437.39B	438.48B	794.96B	1.24T	1.22T	1.26T	1.7T	1.5T	1.59T	1.96T
Effective Tax Rate %	-	-	-	-	-	-	-	-	-	-
Net Income+	1.73T	2.14T	3.31T	3.06T	3.31T	3.47T	4.41T	4.11T	4.59T	5.08T
Net Margin %	-	-	-	-	-	-	-	-	-	-
Net Income Growth %	0.23%	0.24%	0.54%	-0.08%	0.08%	0.05%	0.27%	-0.07%	0.12%	0.11%
Net Income (Continuing)	1.73T	2.19T	3.34T	3.06T	3.31T	3.52T	4.38T	3.89T	4.53T	5.03T
EPS (Diluted)+	4376.00	5559.00	8257.00	7675.86	8388.65	8730.36	10889.00	10705.00	11312.00	12725.00
EPS Growth %	0.21%	0.27%	0.49%	-0.07%	0.09%	0.04%	0.25%	-0.02%	0.06%	0.12%
EPS (Basic)	4396.00	5588.00	8305.00	7720.53	8450.65	8843.13	11133.00	10955.00	11580.00	12880.00
Diluted Shares Outstanding	388.09M	385.63M	401.04M	398.81M	394.02M	394.76M	398.58M	398.94M	393.33M	383.37M

Balance Sheet

	Dec 2015	Dec 2016	Dec 2017	Dec 2018	Dec 2019	Dec 2020	Dec 2021	Dec 2022	Dec 2023	Dec 2024
Cash & Short Term Investments+	1000K	1000K	1000K	1000K	1000K	1000K	1000K	1000K	1000K	1000K
Cash & Due from Banks	17.52T	19.12T	21.03T	21.46T	21.99T	26.71T	31.68T	32.47T	30.79T	30.79T
Short Term Investments	0	0	0	0	1000K	1000K	1000K	1000K	1000K	1000K
Total Investments+	301.27T	344.16T	393.7T	434.92T	469.38T	544.13T	598.31T	628.93T	652.53T	696.61T
Investments Growth %	0.07%	0.14%	0.14%	0.1%	0.08%	0.16%	0.1%	0.05%	0.04%	0.07%
Long-Term Investments	301.27T	344.16T	393.7T	434.92T	423.32T	482.3T	537.94T	549.39T	570.03T	602.71T
Accounts Receivables	0	0	0	0	0	0	0	0	0	0
Goodwill & Intangibles+	-	-	-	-	-	-	-	-	-	-
Goodwill	262.39B	331.71B	273.45B	275.22B	275.74B	763.58B	806.41B	845.15B	866.97B	874.05B
Intangible Assets	204.44B	320.61B	2.67T	2.48T	2.46T	2.59T	2.46T	1.01T	1.08T	1.09T
PP&E (Net)	3.29T	3.63T	4.2T	4.27T	5.07T	5.43T	5.24T	4.99T	4.95T	5.39T
Other Assets	1.39T	2.08T	6.7T	9.52T	11.69T	18.31T	18.19T	19.54T	10.17T	9.59T
Total Current Assets	22.64T	25.02T	29.24T	28.12T	75.72T	101.26T	92.41T	112.68T	128.36T	137.91T
Total Non-Current Assets	306.42T	350.65T	407.55T	451.47T	442.82T	509.46T	563.31T	575.97T	587.37T	619.93T
Total Assets+	329.07T	375.67T	436.79T	479.59T	518.54T	610.72T	655.71T	688.65T	715.73T	757.85T
Asset Growth %	0.07%	0.14%	0.16%	0.1%	0.08%	0.18%	0.07%	0.05%	0.04%	0.06%
Return on Assets (ROA)	0.01%	0.01%	0.01%	0.01%	0.01%	0.01%	0.01%	0.01%	0.01%	0.01%
Accounts Payable	18.23B	19.08B	21.77B	25.83B	27.55B	31.18B	33.97B	35.26B	36.01B	36.13B
Total Debt+	50.98T	64.19T	75.12T	85.71T	86.65T	106.68T	139.3T	152.78T	137.04T	140.77T
Net Debt	33.46T	45.07T	54.08T	64.25T	64.66T	79.97T	107.62T	120.31T	106.25T	109.98T
Long-Term Debt	47.04T	52.42T	63.14T	72.67T	73.09T	89.79T	124.34T	140.42T	120.8T	127T
Short-Term Debt	3.94T	11.77T	11.97T	13.04T	13.02T	16.33T	14.37T	11.77T	15.65T	12.8T
Other Liabilities	17.99T	24.31T	54.71T	60.57T	78.39T	113.18T	71.56T	68.79T	105.34T	114.73T
Total Current Liabilities	234.68T	267.21T	283.91T	309.58T	325.94T	361.68T	407.12T	422.79T	427.62T	453.01T
Total Non-Current Liabilities	65.49T	77.2T	118.83T	134.3T	153.47T	205.64T	199.23T	212.06T	229.46T	245.02T
Total Liabilities	300.16T	344.41T	402.74T	443.88T	479.42T	567.32T	606.35T	634.85T	657.09T	698.03T
Total Equity+	28.9T	31.26T	34.04T	35.71T	39.12T	43.4T	49.37T	53.8T	58.64T	59.82T
Equity Growth %	0.05%	0.08%	0.09%	0.05%	0.1%	0.11%	0.14%	0.09%	0.09%	0.02%
Equity / Assets (Capital Ratio)	-	-	-	-	-	-	-	-	-	-
Return on Equity (ROE)	0.06%	0.07%	0.1%	0.09%	0.09%	0.08%	0.1%	0.08%	0.08%	0.09%
Book Value per Share	74473.70	81065.17	84890.51	89549.42	99282.08	109946.47	123854.78	134865.20	149076.32	156025.49
Tangible BV per Share	-	-	-	-	-	-	-	-	-	-
Common Stock	1.93T	2.09T	2.09T	2.09T	2.09T	2.09T	2.09T	2.09T	2.09T	2.09T
Additional Paid-in Capital	15.85T	16.99T	17.12T	17.12T	17.12T	16.72T	16.94T	16.94T	16.65T	16.65T
Retained Earnings	10.46T	12.23T	15.04T	17.28T	19.71T	22.54T	26.42T	28.89T	31.93T	34.81T
Accumulated OCI	430.24B	405.33B	537.67B	177.81B	348.02B	630.01B	1.38T	1T	2.15T	496.92B
Treasury Stock	0	-721.97B	-755.97B	-968.55B	-1.14T	-1.14T	-1.14T	-836.19B	-1.17T	-1.24T
Preferred Stock	0	0	0	0	0	0	0	0	0	0

Cash Flow

	Dec 2015	Dec 2016	Dec 2017	Dec 2018	Dec 2019	Dec 2020	Dec 2021	Dec 2022	Dec 2023	Dec 2024
Cash from Operations+	2.19T	1.12T	-4.84T	-8.96T	9.4T	-8.41T	-2.03T	4.76T	4.11T	4.02T
Operating CF Growth %	-0.33%	-0.49%	-5.3%	-0.85%	2.05%	-1.89%	0.76%	3.35%	-0.14%	-0.02%
Net Income	1.73T	2.19T	3.34T	3.06T	3.31T	3.52T	4.38T	3.89T	4.53T	5.03T
Depreciation & Amortization	257.46B	289.44B	550.34B	623.63B	976.89B	1.05T	1.01T	878.84B	865.93B	916.29B
Deferred Taxes	0	0	0	0	0	0	0	0	0	0
Other Non-Cash Items	2.26T	1.03T	2.61T	2.66T	2.38T	3.71T	4.44T	-2.96T	-3.16T	-5.16T
Working Capital Changes	-2.07T	-2.43T	-11.42T	-15.32T	2.68T	-16.73T	-11.96T	2.9T	1.8T	3.09T
Cash from Investing+	-5.08T	-4.44T	-8.73T	-4.48T	-12.33T	-10.99T	-3.86T	-19.64T	-3.52T	-3.83T
Purchase of Investments	-26.59T	-32.3T	-46.59T	-73.62T	-91.74T	-106.71T	-69.19T	-57.21T	-58.6T	-64.08T
Sale/Maturity of Investments	1000K	1000K	1000K	1000K	1000K	1000K	1000K	1000K	1000K	1000K
Net Investment Activity	-	-	-	-	-	-	-	-	-	-
Acquisitions	0	95.3B	-405.82B	188.14B	91.59B	-1.95T	374.99B	932.43B	1.3T	88.53B
Other Investing	57.85B	-13.58B	374.83B	-1.03T	-954.97B	573.94B	-43.3B	459.29B	-1.83T	-471.08B
Cash from Financing+	3.26T	3.18T	14.69T	11.74T	2.28T	25.26T	10.82T	15.18T	-1.24T	-1.98T
Dividends Paid	-301.35B	-378.63B	-497.97B	-766.73B	-766.25B	-883.95B	-981.88B	-1.44T	-1.15T	-1.49T
Share Repurchases	0	-716.81B	-185.53B	-224.7B	-274.32B	0	0	0	-571.75B	-820B
Stock Issued	0	0	3.52B	0	0	0	0	0	0	0
Net Stock Activity	-	-	-	-	-	-	-	-	-	-
Debt Issuance (Net)	1000K	1000K	1000K	1000K	1000K	1000K	1000K	1000K	-1000K	1000K
Other Financing	177.3B	1.61T	631.31B	96.23B	1.01T	3.75T	477.49B	1.23T	2.85T	-190.58B
Net Change in Cash+	439.12B	-43.08B	990.06B	-1.76T	-519.09B	5.6T	5.18T	501.64B	-708.21B	-1.22T
Exchange Rate Effect	1000K	1000K	-1000K	-1000K	1000K	-1000K	1000K	1000K	-1000K	1000K
Cash at Beginning	7.02T	7.46T	7.41T	8.4T	6.64T	14.49T	20.09T	26.03T	26.53T	25.83T
Cash at End	7.46T	7.41T	8.4T	6.64T	6.12T	20.09T	25.27T	26.53T	25.83T	24.61T
Interest Paid	0	0	0	0	0	0	0	0	0	0
Income Taxes Paid	0	0	0	0	0	0	0	0	0	0
Free Cash Flow+	1.91T	616.23B	-5.25T	-9.54T	8.46T	-9.02T	-2.5T	4.26T	3.43T	3.39T
FCF Growth %	-0.37%	-0.68%	-9.51%	-0.82%	1.89%	-2.07%	0.72%	2.7%	-0.2%	-0.01%

Banking Ratios

Metric	2015	2016	2017	2018	2019	2020	2021	2022	2023	2024
Return on Equity (ROE)	6.12%	7.13%	10.14%	8.78%	8.85%	8.41%	9.51%	7.97%	8.17%	8.57%
Return on Assets (ROA)	0.54%	0.61%	0.82%	0.67%	0.66%	0.61%	0.7%	0.61%	0.65%	0.69%
Net Interest Margin	1.89%	1.79%	1.89%	1.86%	1.77%	1.59%	1.71%	1.68%	1.7%	1.69%
Efficiency Ratio	41.61%	44.38%	44.78%	43.41%	42.93%	46.57%	46.37%	35.74%	27.97%	29.32%
Equity / Assets	8.78%	8.32%	7.79%	7.45%	7.54%	7.11%	7.53%	7.81%	8.19%	7.89%
Book Value / Share	74.47K	81.07K	84.89K	89.55K	99.28K	109.95K	123.85K	134.87K	149.08K	156.03K
NII Growth	-3.31%	8.26%	22.8%	7.98%	3.28%	5.71%	15.5%	2.86%	5.45%	5.3%
Dividend Payout	17.45%	17.66%	15.04%	25.05%	23.14%	25.49%	22.27%	34.96%	25.07%	29.28%

Revenue by Geography

	2022	2023	2024
KOREA, REPUBLIC OF	13.78T	14.81T	15.53T
KOREA, REPUBLIC OF Growth	-	7.51%	4.84%
CAMBODIA	546.26B	572.86B	595.56B
CAMBODIA Growth	-	4.87%	3.96%
INDONESIA	234.88B	327.6B	320.74B
INDONESIA Growth	-	39.48%	-2.09%
Other Countries	123.56B	197.03B	200.95B
Other Countries Growth	-	59.46%	1.99%
CHINA	172.55B	177.18B	167.62B
CHINA Growth	-	2.68%	-5.39%
UNITED STATES	112.74B	75.94B	128.32B
UNITED STATES Growth	-	-32.64%	68.97%
NEW ZEALAND	-	12.61B	12.58B
NEW ZEALAND Growth	-	-	-0.25%

Frequently Asked Questions

Valuation & Price

KB Financial Group Inc. (KB) has a price-to-earnings (P/E) ratio of 0.0x. This may indicate the stock is undervalued or faces growth challenges.

Growth & Financials

KB Financial Group Inc. (KB) grew revenue by 3.7% over the past year. Growth has been modest.

Yes, KB Financial Group Inc. (KB) is profitable, generating $5.80T in net income for fiscal year 2024 (13.4% net margin).

Dividend & Returns

Yes, KB Financial Group Inc. (KB) pays a dividend with a yield of 100.00%. This makes it attractive for income-focused investors.

KB Financial Group Inc. (KB) has a return on equity (ROE) of 8.6%. This is below average, suggesting room for improvement.

Industry Metrics

KB Financial Group Inc. (KB) has a net interest margin (NIM) of 1.7%. NIM has been under pressure due to interest rate environment.

KB Financial Group Inc. (KB) has an efficiency ratio of 29.3%. This is excellent, indicating strong cost control.

US Stock Screener

...