KB Financial Group Inc. (KB) Financial Ratios
27 years of historical data (1999–2025) · Financial Services · Banks - Regional
EV/EBITDA
↓
6.83
↓-46% vs avg
5yr avg: 12.70
30Y Low0.0·High70.9
P/FCF
↑
N/A
—
5yr avg: 0.00
30Y Low0.0·High0.0
P/B Ratio
↑
1.02
↑+278473% vs avg
5yr avg: 0.00
30Y Low0.0·High0.0
ROE
↑
9.7%
↓+10% vs avg
5yr avg: 8.8%
30Y Low-13%·High31%
Debt/EBITDA
↓
N/A
—
5yr avg: 20.36
30Y Low6.8·High39.6
Percentile shows where the current value sits in 30-year historical distribution. Sparklines show 5-year trend.
KB Valuation Multiples
Price-based multiples — how expensive the stock is relative to earnings, sales, book value, and cash flow
KB Financial Group Inc. trades at 10.8x earnings, 245896% above its 5-year average of 0.0x, sitting at the 100th percentile of its historical range. Compared to the Financial Services sector median P/E of 13.6x, the stock trades at a discount of 21%.
| Metric | TTM | FY 2025 | FY 2024 | FY 2023 | FY 2022 | FY 2021 | FY 2020 | FY 2019 | FY 2018 | FY 2017 | FY 2016 |
|---|---|---|---|---|---|---|---|---|---|---|---|
| Market Cap | $37.9B | $32.9B | $21.8B | $16.3B | $15.4B | $18.4B | $15.6B | $16.3B | $16.7B | $23.5B | $13.6B |
| Enterprise Value | $37.9B | $32.9B | $110.00T | $106.27T | $120.32T | $107.64T | $79.99T | $64.68T | $64.26T | $54.11T | $45.08T |
| P/E Ratio → | 10.75 | 0.01 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.01 | 0.01 | 0.01 |
| P/S Ratio | 1.15 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 |
| P/B Ratio | 1.02 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 |
| P/FCF | — | — | 0.01 | 0.00 | 0.00 | — | — | 0.00 | — | — | 0.02 |
| P/OCF | — | — | 0.01 | 0.00 | 0.00 | — | — | 0.00 | — | — | 0.01 |
P/E links to full P/E history page with 30-year chart
KB EV Ratios
Enterprise-value multiples — capital-structure-neutral measures of total business value
KB Financial Group Inc.'s enterprise value stands at 6.8x EBITDA, 46% below its 5-year average of 12.7x. The Financial Services sector median is 11.4x, placing the stock at a 40% discount on an enterprise-value basis.
| Metric | TTM | FY 2025 | FY 2024 | FY 2023 | FY 2022 | FY 2021 | FY 2020 | FY 2019 | FY 2018 | FY 2017 | FY 2016 |
|---|---|---|---|---|---|---|---|---|---|---|---|
| EV / Revenue | — | 0.00 | 2.91 | 2.92 | 4.69 | 5.13 | 4.04 | 3.47 | 3.71 | 3.57 | 3.69 |
| EV / EBITDA | 6.83 | 0.00 | 13.92 | 15.21 | 19.18 | 15.19 | 13.72 | 11.74 | 13.05 | 11.54 | 15.45 |
| EV / EBIT | 6.83 | 0.00 | 15.75 | 17.36 | 22.30 | 17.70 | 16.73 | 14.27 | 14.94 | 13.07 | 17.15 |
| EV / FCF | — | — | 32.42 | 31.00 | 28.22 | — | — | 7.65 | — | — | 73.16 |
KB Profitability
Margins and return-on-capital ratios measuring operating efficiency
KB Financial Group Inc. earns an operating margin of 16.8%, below the Financial Services sector average of 20.3%. ROE of 9.7% is modest. ROIC of 4.9% represents below-average returns on invested capital versus a sector median of 5.5%.
Margins
Full margin charts and quarterly trend are on the Earnings History page
| Metric | TTM | FY 2025 | FY 2024 | FY 2023 | FY 2022 | FY 2021 | FY 2020 | FY 2019 | FY 2018 | FY 2017 | FY 2016 |
|---|---|---|---|---|---|---|---|---|---|---|---|
| Gross Margin | 49.1% | 49.1% | 47.8% | 44.8% | 56.8% | 75.4% | 70.7% | 67.2% | 68.2% | 72.1% | 65.9% |
| Operating Margin | 16.8% | 16.8% | 18.5% | 16.8% | 21.0% | 29.0% | 24.1% | 24.3% | 24.8% | 27.3% | 21.5% |
| Net Profit Margin | 11.5% | 11.5% | 13.4% | 12.6% | 16.0% | 21.0% | 17.5% | 17.7% | 17.7% | 21.9% | 17.6% |
Return on Capital
| Metric | TTM | FY 2025 | FY 2024 | FY 2023 | FY 2022 | FY 2021 | FY 2020 | FY 2019 | FY 2018 | FY 2017 | FY 2016 |
|---|---|---|---|---|---|---|---|---|---|---|---|
| ROE | 9.7% | 9.7% | 8.6% | 8.2% | 8.0% | 9.5% | 8.4% | 8.8% | 8.8% | 10.1% | 7.1% |
| ROA | — | — | 0.7% | 0.7% | 0.6% | 0.7% | 0.6% | 0.7% | 0.7% | 0.8% | 0.6% |
| ROIC | 4.9% | 4.9% | 2.6% | 2.3% | 2.0% | 2.7% | 2.6% | 2.8% | 2.8% | 3.0% | 2.2% |
| ROCE | — | — | 2.4% | 2.2% | 2.1% | 2.4% | 2.2% | 2.5% | 2.7% | 3.2% | 2.6% |
KB Leverage & Debt
Solvency and debt-coverage ratios — lower is generally safer
Net debt stands at $0 ($0 total debt minus $0 cash). Interest coverage of just 0.7x is concerning — the company has limited headroom to absorb earnings volatility before struggling with debt service.
| Metric | TTM | FY 2025 | FY 2024 | FY 2023 | FY 2022 | FY 2021 | FY 2020 | FY 2019 | FY 2018 | FY 2017 | FY 2016 |
|---|---|---|---|---|---|---|---|---|---|---|---|
| Debt / Equity | — | — | 2.35 | 2.34 | 2.84 | 2.82 | 2.46 | 2.21 | 2.40 | 2.21 | 2.05 |
| Debt / EBITDA | — | — | 17.82 | 19.62 | 24.35 | 19.65 | 18.30 | 15.73 | 17.40 | 16.02 | 22.00 |
| Net Debt / Equity | — | 0.00 | 1.84 | 1.81 | 2.24 | 2.18 | 1.84 | 1.65 | 1.80 | 1.59 | 1.44 |
| Net Debt / EBITDA | — | 0.00 | 13.92 | 15.21 | 19.18 | 15.18 | 13.72 | 11.74 | 13.04 | 11.53 | 15.44 |
| Debt / FCF | — | — | 32.41 | 30.99 | 28.22 | — | — | 7.64 | — | — | 73.14 |
| Interest Coverage | 0.65 | 0.65 | 0.40 | 0.36 | 0.58 | 1.53 | 1.00 | 0.83 | 0.89 | 1.13 | 0.73 |
KB Liquidity & Efficiency
Short-term solvency ratios and asset-utilisation metrics
| Metric | TTM | FY 2025 | FY 2024 | FY 2023 | FY 2022 | FY 2021 | FY 2020 | FY 2019 | FY 2018 | FY 2017 | FY 2016 |
|---|---|---|---|---|---|---|---|---|---|---|---|
| Current Ratio | — | — | 0.30 | 0.30 | 0.27 | 0.23 | 0.28 | 0.23 | 0.09 | 0.10 | 0.09 |
| Quick Ratio | — | — | 0.30 | 0.30 | 0.27 | 0.23 | 0.28 | 0.23 | 0.09 | 0.10 | 0.09 |
| Cash Ratio | — | — | 0.07 | 0.07 | 0.08 | 0.08 | 0.07 | 0.07 | 0.07 | 0.07 | 0.07 |
| Asset Turnover | — | — | 0.05 | 0.05 | 0.04 | 0.03 | 0.03 | 0.04 | 0.04 | 0.03 | 0.03 |
| Inventory Turnover | — | — | — | — | — | — | — | — | — | — | — |
| Days Sales Outstanding | — | — | — | — | — | — | — | — | — | — | — |
KB Shareholder Yields
Earnings, FCF, buyback, and dividend yields — total returns to shareholders
KB Financial Group Inc. does not currently pay a dividend and has no material buyback yield, reinvesting earnings back into the business. The earnings yield of 9.3% (inverse of P/E) provides a useful comparison to bond yields when assessing the stock's relative attractiveness to fixed income.
Dividends
Full dividend history and growth charts are on the Dividend History page
| Metric | TTM | FY 2025 | FY 2024 | FY 2023 | FY 2022 | FY 2021 | FY 2020 | FY 2019 | FY 2018 | FY 2017 | FY 2016 |
|---|---|---|---|---|---|---|---|---|---|---|---|
| Dividend Yield | — | — | — | — | — | — | — | — | — | — | — |
| Payout Ratio | — | — | 29.3% | 25.1% | 35.0% | 22.3% | 25.5% | 23.1% | 25.0% | 15.0% | 17.7% |
Total Shareholder Return Metrics
| Metric | TTM | FY 2025 | FY 2024 | FY 2023 | FY 2022 | FY 2021 | FY 2020 | FY 2019 | FY 2018 | FY 2017 | FY 2016 |
|---|---|---|---|---|---|---|---|---|---|---|---|
| Earnings Yield | 9.3% | 17767.3% | 22363.8% | 27113.9% | 26122.6% | 23589.7% | 22046.4% | 20277.1% | 18284.6% | 14112.1% | 15752.3% |
| FCF Yield | — | — | 15555.8% | 21068.3% | 27640.6% | — | — | 51889.9% | — | — | 4528.1% |
| Buyback Yield | 0.0% | — | — | — | — | — | — | — | — | — | — |
| Total Shareholder Yield | 0.0% | — | — | — | — | — | — | — | — | — | — |
| Shares Outstanding | — | $382M | $383M | $393M | $399M | $399M | $395M | $394M | $399M | $401M | $386M |
Peer Comparison
Compare KB with 10 similar companies in its peer group
| Company | Market Cap | P/E | EV/EBITDA | P/FCF | Gross Margin | Op Margin | ROE | ROIC | Debt/EBITDA |
|---|---|---|---|---|---|---|---|---|---|
 KBYou | $38B | 10.8 | 6.8 | — | 49.1% | 16.8% | 9.7% | 4.9% | — |
 SHG | $31B | 10.5 | 22.1 | 9999.0 | 47.4% | 20.0% | 8.7% | 2.5% | 18.8 |
 WF | $15B | 7.4 | 17.6 | 3.5 | 48.8% | 14.7% | 9.4% | 2.5% | 18.1 |
 HDB | $129B | 17.1 | 17.7 | 10.8 | 52.2% | 20.5% | 8.2% | 4.0% | 8.1 |
 IBN | $101B | 18.6 | 12.2 | 12.4 | 68.1% | 24.8% | 17.0% | 10.9% | 2.7 |
 MFG | $126B | 15.6 | 12.5 | 41.7 | 48.9% | 18.1% | 12.0% | 1.7% | 33.8 |
 SMFG | $96B | 15.6 | 0.1 | 2.1 | 54.3% | 22.1% | 10.9% | 2.4% | 21.8 |
 JPM | $909B | 16.2 | 18.5 | 9.0 | 59.9% | 26.0% | 16.1% | 4.5% | 11.6 |
 BAC | $424B | 14.7 | 14.0 | 33.6 | 56.1% | 19.7% | 10.2% | 3.5% | 9.1 |
 C | $267B | 20.5 | 27.4 | 12.0 | 44.6% | 11.8% | 6.7% | 1.7% | 31.0 |
 WFC | $265B | 13.0 | 17.6 | — | 64.8% | 20.4% | 11.7% | 3.5% | 14.5 |
| Financial Services Median | — | 13.6 | 11.4 | 11.1 | 64.1% | 20.3% | 9.0% | 5.5% | 4.3 |
Peer selection based on competitive and market overlap. Compare multiple stocks →
Download Financial Ratios Data
Includes 30+ ratios · 27 years · Updated daily
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KB — Frequently Asked Questions
Quick answers to the most common questions about buying KB stock.
What is KB Financial Group Inc.'s P/E ratio?
KB Financial Group Inc.'s current P/E ratio is 10.8x. The historical average is 0.0x. This places it at the 100th percentile of its historical range.
What is KB Financial Group Inc.'s EV/EBITDA?
KB Financial Group Inc.'s current EV/EBITDA is 6.8x. This enterprise value multiple compares the company's total value (equity + debt - cash) to its EBITDA. The historical average is 16.3x.
What is KB Financial Group Inc.'s ROE?
KB Financial Group Inc.'s return on equity (ROE) is 9.7%. The historical average is 10.9%.
Is KB stock overvalued?
Based on historical data, KB Financial Group Inc. is trading at a P/E of 10.8x. This is at the 100th percentile of its historical P/E range. Compare with industry peers and growth rates for a complete picture.
What are KB Financial Group Inc.'s profit margins?
KB Financial Group Inc. has 49.1% gross margin and 16.8% operating margin. Operating margin between 10-20% is typical for established companies.