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KBKB Financial Group Inc.
$125.39$44.0B
Overview & Tools
OverviewChart Terminal ↗Visualize
Valuation & Forecasts
Valuation ModelsEstimatesDCF Model
Price & Analyst Data
Analyst TargetsPrice History
Financial Statements
Income StatementBalance SheetCash FlowRatios & Margins
Performance
P/E HistoryRevenue HistoryEarnings HistoryDividend HistoryTotal Return
Discovery & Screens
Live BreakoutsStock ScreenerOwnership
KB logo

KB Financial Group Inc.

KB
NYSE · Regional Banks
$125.39
At close - Sep 23, 4:00 PM EDT - USD
Market Cap$44.03B
P/E11.3x
52W High$133.29
Volume115.4K
OverviewTerminalAnalysisFinancialsValuationEarningsBreakoutsOwnership
VCP Research Verdict2026Q2

Margin Compression and Fee Volatility Cloud Earnings Quality

KB Financial Group's earnings power is being undermined by a structurally compressed net interest margin of 0.4% and a sharp deterioration in non-interest income, which swung to -$20.8T in 2026Q2 from +$2.3T a year earlier. While asset growth of 11.1% YoY and ...

GrowthMixed
ProfitabilityStable
ValuationAttractive
TechnicalsHealthy
Explore valuation models
MARKET ACTION

KB price & volume

Price trend, volume and key moving averages

Launch Terminal
Loading chart...
Decision Checklist4 Core Signals

What matters now

The signals most likely to change the investment case.

01

Earnings momentum

7/12 Beats

EPS beat 7 of last 12 quarters

02

Valuation risk

-26% Peers

P/E is 26% below peer median

03

Market leadership

RS 82 · Leader

High momentum (Outperforming 82% of market)

04

Healthy Uptrend

Uptrend

Price > 50DMA > 200DMA

Next CatalystEstimated earnings · Oct 23
01

Build the investment case

Start with the evidence for owning the stock and the risks that can break the thesis.

EXECUTIVE THESIS

The Investment Case

Full Analysis
Fundamental Trajectory

Revenue growth has stalled with NII up only 1.2% YoY and NIM stuck at 0.4%, while a -179.8% fee income ratio and an efficiency ratio of 35.8% in 2026Q2 indicate severe margin and operating leverage pressures.

Analyst Consensus
Hold(6 analysts)
2 Buy4 Hold0 Sell

The Bull Case

Upside Catalysts

Tight Housing Supply & High Demand

KB Home faces a persistent shortage of housing in high‑demand areas, while its focus on energy‑efficient homes is expected to support both revenue growth and profit margins.

Build‑to‑Order Model Shift

The company is returning to a build‑to‑order (BTO) model, which historically yields higher gross margins than its average construction projects, thereby improving overall profitability.

15‑Year High Backlog Guidance

In early 2021, KB Home’s order backlog reached a 15‑year high, providing strong guidance for future revenue and earnings growth.

The Bear Case

Key Downside Risks

Market performance

Price History →

Trailing total returns as of 9/24/2026, which may include dividends or other distributions. Benchmark is S&P 500 (^GSPC).

YTD Return
KB+48.55%
S&P 500 (^GSPC)+12.39%
1-Year Return
KB+55.94%
S&P 500 (^GSPC)+15.77%
3-Year Return
KB+217.75%
S&P 500 (^GSPC)+72.10%
5-Year Return
KB+213.69%
S&P 500 (^GSPC)+63.51%
02

Test the fundamentals

Check whether operating performance supports the current valuation.

VALUATION & INTRINSIC VALUE

Valuation Scenarios

Valuation Analysis
Trailing P/E5Y High
11.3x
Forward P/EExpansion
0.0x
EV/EBITDA20th %ile
6.4x
FCF YieldCash Flow
6.1%

Valuation vs 5-Year History

Multiple Range
Metric
Current
5Y Median
Historical Range
Percentile
P/E
11.3x
0.0x
100th· High
EV/EBITDA
6.4x
15.2x
20th· Low
Price/FCF
16.5x
0.0x
100th· High
Current Multiple
5Y Median (50th %ile)

Intrinsic Value Scenarios

DCF Projection
Bear$43.22-65.5%
Base (Fair)$84.91-33.1%
Bull$134.85+7.5%
$43.22 Bear$84.91 Base$134.85 Bull
Current Market Price: $125.39
Trades at a 47.7% premium to Base DCF ($84.91)
Open DCF & Valuation Models →Chart Terminal ↗

Growth & profitability

Annual revenue & EPS trend
Revenue
$37613.28B+87.1% YoY
Net income
$5850.53B+15.2% YoY
Free cash flow
$3671.41B+8.2% YoY
Operating margin
22.7%-12.1 pts YoY
ROIC (TTM)4.9%
Avg ROIC 5Y-
ROE (TTM)9.7%
Piotroski Score2 / 9
Financial Statements →
03

Monitor what changed

Recent results and news deserve attention only when they alter the forward view.

OPERATING RESULTS

Recent Earnings

Earnings History
EPS Beat Rate7/12 (58%)
Revenue Beat Rate9/12 (75%)
QuarterEPS (Act vs Est)Revenue (Act vs Est)
Q3 2026Latest
Jul 23, 2026
$3.74+6.6%
vs $3.51
$3.5B+6.5%
vs $3.3B
Q2 2026
Apr 23, 2026
$3.49+5.4%
vs $3.31
$1.8B-44.4%
vs $3.2B
Q2 2026
Apr 22, 2026
$3.49+5.4%
vs $3.31
$3.4B+7.5%
vs $3.1B
Q2 2026
Mar 6, 2026
$1.28+17.4%
vs $1.09
$3.1B+15.7%
vs $2.6B
Historical baseline: 12 quarters analyzedGAAP / Adjusted
MARKET COVERAGE

Latest News

5 Stories
Defense World·2d ago
Nykredit A S Takes Position in KB Financial Group Inc $KB

Nykredit A S acquired a new position in KB Financial Group Inc (NYSE: KB) in the second quarter, according to its most recent 13F filing with the Securities and Exchange Commission (SEC). The fund acquired 104,099 shares of the bank's stock, valued at approximately $10,926,000. Other large investors have also modified their holdings

Fool - Investing News·5d ago
This Nation's Stock Market Is Outperforming All Others This Year. Should You Invest?

South Korea's stock market is outperforming all other nations this year.

Zacks Investment Research·5d ago
KB Financial (KB) is on the Move, Here's Why the Trend Could be Sustainable

KB Financial (KB) made it through our "Recent Price Strength" screen and could be a great choice for investors looking to make a profit from stocks that are currently on the move.

Zacks Investment Research·6d ago
5 Stocks With Recent Price Strength Amid a Volatile September

EDRY, VNCE, NUTX, TXO and KB show strong recent price momentum despite a volatile September, backed by improving earnings expectations.

Filtered for KB Financial Group Inc.More Headlines
04

Compare before deciding

Benchmark KB against direct peers instead of judging its metrics in isolation.

Peers Comparison

Key metrics vs top competitors for KB Financial Group Inc. (KB)

Full Screener →
CompanyPriceMarket CapP/E RatioRev Growth (1Y)Net MarginROEDiv Yield
KB logoKBKB Financial Group Inc.Current
$125.39$44.03B11.2787.09%15.55%9.66%1.98%
SHG logoSHGShinhan Financial Group Co., Ltd.
$79.83$37.73B11.183.42%27.68%8.82%—
WF logoWFWoori Financial Group Inc.
$77.43$18.79B8.29-67.4%110.29%8.45%—
HDB logoHDBHDFC Bank Limited
$22.79$116.9B4.6937.53%15.36%17.76%—
IBN logoIBNICICI Bank Limited
$27.91$101.13B17.888.53%17.36%15.06%—
MFG logoMFGMizuho Financial Group, Inc.
$10.74$130.84B15.8930.2%15.44%12.28%—

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

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KB Frequently Asked Questions

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

Growth & Financials
How fast is KB Financial Group Inc. growing?

KB Financial Group Inc. (KB) grew revenue by 87.1% over the past year. This is strong growth.

Is KB profitable?

Yes, KB Financial Group Inc. (KB) is profitable, generating $6.39T in net income for fiscal year 2025 (15.6% net margin).

Dividend & Returns
Does KB pay dividends?

Yes, KB Financial Group Inc. (KB) pays a dividend with a yield of 1.98%. This makes it attractive for income-focused investors.

What is KB's return on equity?

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

Industry Metrics
What is KB Financial Group Inc.'s efficiency ratio?

KB Financial Group Inc. (KB) has an efficiency ratio of 43.4%. This is excellent, indicating strong cost control.

What if you invested $1,000 in KB back in 1999?

Total return calculator · dividends reinvested · 27+ years of data

See returns →