KB Financial Group Inc.(KB)Earnings, Financials & Key Ratios
KB•NYSE•Banking & Credit
10.7× P/E·Price updated Jun 19, 2026
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%
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.
Get notified when KB posts new earnings or crosses analyst targets
Free. No account needed. Unsubscribe any time.
KB Price & Volume
KB Financial Group Inc. (KB) stock price & volume — 10-year historical chart
Loading chart...
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
●Beat EPS 7/12 qtrs (58%)●Beat Revenue 9/12 qtrs (75%)
Q2 2026Latest
Apr 23, 2026Metric
Actual
Est
EPS
$3.49+0.3%
$3.48
Rev
$1.8B-44.4%
$3.2B
Q2 2026
Apr 22, 2026Metric
Actual
Est
EPS
$3.49+5.4%
$3.31
Rev
$3.4B+7.5%
$3.1B
Q2 2026
Mar 6, 2026Metric
Actual
Est
EPS
$1.28+17.4%
$1.09
Rev
$3.1B+15.7%
$2.6B
Q2 2026
Mar 4, 2026Metric
Actual
Est
EPS
$1.30+19.3%
$1.09
Rev
$15.7B+397.3%
$3.1B
| 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 →
KB Peer Comparison
KB Financial Group Inc. (KB) competitors in Non-US regional and universal banks — business model, growth, and fundamentals comparison
| Company | Market Cap | Stock Price | P/E Ratio (TTM) | Revenue Growth 1Y | Net Margin | Return on Equity (ROE) | FCF Yield | Debt / Equity |
|---|---|---|---|---|---|---|---|---|
 SHG | 31.5B | 66.65 | 10.39 | -1.95% | 14.67% | 8.59% | 2.77 | |
 WF | 15.24B | 62.55 | 7.36 | 9.44% | 14.19% | 8.76% | 2.77 | |
 HDB | 128.54B | 25.06 | 17.03 | 19.15% | 15.89% | 11.11% | 0.86 | |
 IBN | 101.23B | 27.94 | 18.50 | 25.19% | 17.52% | 16.55% | 0.62 | |
 MFG | 125.58B | 10.30 | 15.45 | 10.35% | 12.61% | 9.66% | 5.84 | |
 SMFG | 96.3B | 25.23 | 15.46 | 12.08% | 15.56% | 15.65% | 3.67 | |
 JPM | 908.57B | 325.22 | 16.22 | 3.31% | 20.35% | 15.95% | 2.60 | |
 BAC | 424.14B | 56.20 | 14.71 | -0.45% | 15.93% | 10.15% | 1.21 |
Compare KB vs Peers
KB Financial Group Inc. (KB) vs competitors — business, growth, and fundamentals comparison against the closest industry rivals.
KB Income Statement
KB Financial Group Inc. (KB) annual income statement — 10-year revenue, gross profit & net income history
10Y historyFree accessUpdated daily
| Metric | 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
| Metric | 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
| Metric | 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% | - |
Related:KB Dividend History·KB Revenue History·KB Price History·KB P/E History·KB Financial Ratios·KB Institutional Holders
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.