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KB Financial Group Inc

KB Financial Group Inc

KB · NYSE · Financial Services / Banks - Regional

117.42USD+4.03 (+3.55%)

Price History

Full chart

Market Stats

Previous Close113.39
Open118.73
Day Range117.02 – 118.73
52-Week Range78.89 – 133.29
Volume167.80K
Market Cap40.05B
P/E (TTM)9.90
Forward P/E3.85
EPS11.65
Dividend Yield2.87%
Beta0.65
50-Day Avg123.20
200-Day Avg111.24

About

KB Financial Group Inc. provides financial products and services in South Korea, the United States, New Zealand, China, Cambodia, the United Kingdom, Indonesia, and internationally. The company offers deposit products, such as demand and time deposits, certificates of deposit, foreign currency deposits, and savings deposits for housing subscription; loan products, including mortgage loans to finance home purchases, construction, improvements, or rentals; and home equity loans, overdraft loans, and other consumer loans. It also provides debit and credit cards; working capital loans and facility loans; mortgage loans to home builders or developers; securities underwriting; financing and financial advisory services for mergers and acquisitions; project finance and financial advisory services for social overhead capital projects such as highway, port, power, water, and sewage projects; financing and financial advisory services for real estate development projects; and structured finance. In addition, the company offers brokerage services for stocks, futures, options, equity, derivative-linked securities, and debt instruments; foreign exchange services and derivatives dealing; import and export-related services; offshore lending, syndicated loans, and foreign currency securities investment; and trust account management services. Further, it provides long-term insurance products, automobile insurance products, and general property and casualty insurance products; life insurance comprising annuities, savings insurance, variable life insurance, whole life insurance, term life insurance, and health insurance; bancassurance; consumer finance services; and mortgage financing and construction loans. Additionally, the company is involved in real estate trust management; capital investment; and software advisory, development, and supply. KB Financial Group Inc. was founded in 1963 and is headquartered in Seoul, South Korea.

Company Details

  • SectorFinancial Services
  • IndustryBanks - Regional
  • CEOMr. Jong Hee Yang
  • Employees142
  • Headquarters26, Gukjegeumyung-ro 8-gil, Seoul, South Korea, 07331, USA
  • Websitehttps://www.kbfg.com

Leadership

  • Mr. Jong Hee YangCEO & Chairman · b. 1961
  • Mr. Dae Hwan LimEVP & Chief Compliance Officer · b. 1965
  • Mr. Ho Kang SeungMD & Head of Secretariat · b. 1975
  • Mr. Sang-Rok NaSenior MD & CFO · b. 1972
  • Mr. Shindong JeungSenior MD & Head of KB Research · b. 1966
  • Geun-hee KangHead of IR
  • Jong Hoon LeeHead of the Legal Affairs Unit
  • Mr. Hyo Sung JeonMD & Chief Human Resources Officer · b. 1971
  • Mr. Jae Keun LeeSEVP & Chief Business Officer of Global · b. 1966
  • Mr. Chang Kwon LeeSenior EVP, Chief Digital & IT Officer · b. 1965

Financials

Income Statement

Currency: KRW1999-12-312000-12-312001-12-312002-12-312003-12-312004-12-312005-12-312006-12-312007-12-312008-12-312009-12-312010-12-312011-12-312012-12-312013-12-312014-12-312015-12-312016-12-312017-12-312018-12-312019-12-312020-12-312021-12-312022-12-312023-12-312024-12-312025-12-31
Total Revenue3.91T10.58T10.68T16.55T17.48T14.39T13.36T13.63T15.79T18.69T17.10T16.79T18.10T18.06T15.78T14.80T12.63T12.20T15.14T17.33T18.66T19.81T20.97T25.64T36.41T37.77T50.69T
Growth (%)-+170.32%+0.95%+54.92%+5.63%-17.70%-7.14%+1.99%+15.87%+18.38%-8.49%-1.81%+7.75%-0.17%-12.66%-6.20%-14.67%-3.38%+24.04%+14.46%+7.68%+6.21%+5.86%+22.26%+41.99%+3.73%+34.20%
Cost of Revenue3.12T5.88T6.62T10.62T14.29T9.06T5.31T5.00T6.71T11.67T10.44T9.75T8.36T8.78T7.28T6.45T5.21T4.16T4.22T5.50T6.11T5.81T5.17T11.08T20.11T19.71T25.82T
Gross Profit790.39B4.70T4.06T5.93T3.19T5.33T8.05T8.62T9.08T7.02T6.67T7.05T9.73T9.29T8.50T8.35T7.42T8.04T10.92T11.82T12.54T14.01T15.81T14.56T16.30T18.06T24.86T
Gross Margin20.19%44.38%38.04%35.82%18.24%37.03%60.23%63.30%57.53%37.54%38.99%41.95%53.78%51.40%53.88%56.44%58.75%65.92%72.12%68.24%67.23%70.69%75.37%56.78%44.78%47.82%49.06%
Operating Expense-17.77B3.65T2.49T4.18T4.57T3.90T4.27T4.32T4.12T5.23T5.74T6.90T6.43T6.99T6.69T6.45T5.26T5.42T6.78T7.52T8.01T9.23T9.73T9.17T10.18T11.07T16.33T
Operating Income808.16B1.04T1.57T1.75T-1.38T1.43T3.78T4.31T4.97T1.79T926.05B149.37B3.31T2.30T1.82T1.90T2.16T2.63T4.14T4.30T4.53T4.78T6.08T5.39T6.12T6.99T8.53T
Operating Margin20.65%9.87%14.72%10.59%-7.88%9.94%28.26%31.61%31.45%9.56%5.41%0.89%18.26%12.72%11.50%12.85%17.14%21.54%27.34%24.83%24.30%24.12%29.00%21.04%16.81%18.49%16.83%
EBITDA884.96B1.21T1.75T2.19T-826.55B1.86T4.12T4.62T5.38T2.19T1.36T497.20B3.65T2.63T2.10T2.16T2.42T2.92T4.69T4.93T5.51T5.83T7.09T6.27T6.99T7.90T9.45T
EBITDA Margin22.61%11.41%16.39%13.26%-4.73%12.89%30.87%33.88%34.11%11.74%7.93%2.96%20.16%14.54%13.32%14.61%19.18%23.91%30.98%28.43%29.54%29.42%33.79%24.46%19.19%20.92%18.64%
Net Income540.66B594.54B992.30B1.25T-993.12B996.77B2.69T2.95T3.76T1.33T720.64B146.60B2.41T1.77T1.27T1.40T1.73T2.14T3.31T3.06T3.31T3.47T4.41T4.11T4.59T5.08T5.85T
Net Income Margin13.81%5.62%9.29%7.56%-5.68%6.93%20.12%21.64%23.78%7.09%4.21%0.87%13.29%9.80%8.06%9.46%13.68%17.57%21.88%17.67%17.75%17.50%21.02%16.04%12.62%13.45%11.54%
R&D---------------000000------
R&D as % of Total Revenue---------------0.00%0.00%0.00%0.00%0.00%0.00%------
Interest Expense2.82T4.96T5.36T6.73T6.78T5.33T4.71T5.10T6.69T9.36T8.23T6.88T6.85T7.17T5.83T5.22T4.17T3.62T3.67T4.83T5.44T4.76T3.98T9.24T16.96T17.66T13.07T
Interest Expense % of Total Revenue71.98%46.93%50.21%40.70%38.76%37.04%35.23%37.40%42.36%50.08%48.13%40.95%37.86%39.70%36.97%35.27%33.04%29.66%24.26%27.88%29.17%24.04%18.98%36.02%46.58%46.77%25.79%

Balance Sheet

Currency: KRW1999-12-312000-12-312001-12-312002-12-312003-12-312004-12-312005-12-312006-12-312007-12-312008-12-312009-12-312010-12-312011-12-312012-12-312013-12-312014-12-312015-12-312016-12-312017-12-312018-12-312019-12-312020-12-312021-12-312022-12-312023-12-312024-12-312025-12-31
Total Assets45.28T91.43T168.30T184.09T192.93T171.52T176.62T184.07T217.68T258.33T253.86T251.75T280.87T286.07T292.17T308.36T329.07T375.67T436.79T479.59T518.54T610.67T663.90T701.17T715.73T757.85T797.92T
Total Liabilities43.52T87.16T160.36T175.18T186.03T164.08T165.33T169.96T200.70T242.73T236.28T234.72T257.71T260.99T266.19T280.84T300.16T344.41T402.74T443.88T479.42T92.39T105.81T651.53T657.09T698.03T-61.37T
Total Equity1.76T4.05T7.64T8.83T6.89T7.42T11.27T14.09T16.97T15.59T17.54T17.00T22.98T24.89T25.98T27.32T28.68T31.00T34.04T35.70T38.53T518.28T558.09T49.64T56.69T57.89T61.37T
Cash1.60T6.43T3.63T3.89T3.91T3.30T3.56T4.00T2.84T3.31T4.57T6.26T9.19T10.59T16.19T16.77T17.52T19.12T21.03T21.46T21.99T26.71T32.05T32.06T30.79T30.79T35.65T
Total Debt6.04T21.11T32.95T43.88T39.54T32.40T30.66T37.93T43.42T54.47T53.78T41.51T43.99T43.93T43.80T47.99T50.98T64.19T75.12T85.71T86.65T161.38T184.36T232.48T137.04T140.77T-
Net Debt4.44T14.68T29.32T39.99T35.63T29.10T27.10T33.93T40.58T51.16T49.21T35.25T34.81T33.33T27.60T31.22T33.46T45.07T54.08T64.25T64.66T63.64T71.42T108.35T106.25T109.98T94.90T

Cash Flow

Currency: KRW1999-12-312000-12-312001-12-312002-12-312003-12-312004-12-312005-12-312006-12-312007-12-312008-12-312009-12-312010-12-312011-12-312012-12-312013-12-312014-12-312015-12-312016-12-312017-12-312018-12-312019-12-312020-12-312021-12-312022-12-312023-12-312024-12-312025-12-31
Operating Cash Flow197.98B2.38T2.91T6.00T7.07T4.72T4.61T3.89T1.81T3.42T3.88T14.66T-4.01T7.64T-6.35T3.28T2.19T1.12T-4.84T-8.96T9.40T-11.54T-6.70T5.69T4.11T4.02T4.23T
Investing Cash Flow-5.44T-17.50T-11.06T-22.38T-8.66T3.82T-3.04T-13.91T-21.47T-32.62T-4.76T-2.53T688.55B-2.53T4.18T-1.68T-5.08T-4.44T-8.73T-4.48T-12.33T-10.99T-3.86T-20.29T-3.52T-3.83T-5.54T
Financing Cash Flow4.86T16.21T9.48T16.70T1.42T-8.85T-1.30T10.69T18.66T29.42T569.35B-11.78T4.77T-3.25T1.71T-755.07B3.26T3.18T14.69T11.74T2.28T25.26T10.82T15.32T-1.24T-1.98T5.80T
Capital Expenditure256.06B0384.56B613.77B364.27B217.73B129.40B299.91B492.38B454.88B187.10B313.90B367.25B225.04B221.56B232.76B281.34B508.76B410.26B578.43B942.29B607.72B478.31B534.20B680.57B626.91B554.97B
Free Cash Flow-58.08B2.38T2.53T5.38T6.70T4.50T4.48T3.59T1.31T2.97T3.69T14.35T-4.37T7.42T-6.57T3.04T1.91T616.23B-5.25T-9.54T8.46T-12.15T-7.18T5.15T3.43T3.39T3.67T
Dividends Paid--162.60B53.92B343.65B1.61B166.79B176.36B1.23T825.60B3.03B93.02B87.49B278.17B231.81B193.18B301.35B378.63B497.97B766.73B759.74B861.09B981.88B1.44T1.15T1.49T1.30T
FCF to OCF-29.34%100.00%86.79%89.76%94.84%95.39%97.19%92.29%72.72%86.71%95.18%97.86%109.16%97.06%103.49%92.90%87.17%54.78%108.48%106.46%89.98%105.27%107.14%90.61%83.44%84.41%86.87%
Dividend Paid to FCF--6.44%1.00%5.13%0.04%3.72%4.92%93.58%27.81%0.08%0.65%-2.00%3.75%-3.53%6.35%15.76%61.44%-9.49%-8.04%8.98%-7.09%-13.68%27.91%33.60%43.82%35.47%

Earnings

Report DateJul 30, 2007Oct 29, 2007Feb 4, 2008May 2, 2008Jul 28, 2008Nov 3, 2008Apr 30, 2009Dec 31, 2010Mar 31, 2011Jun 30, 2011Sep 30, 2011Dec 31, 2011Mar 31, 2012Jun 30, 2012Sep 30, 2012Dec 31, 2012Mar 31, 2013Jun 30, 2013Sep 30, 2013Oct 25, 2013Feb 7, 2014Apr 25, 2014Jul 25, 2014Oct 24, 2014Feb 5, 2015Apr 28, 2015Jul 23, 2015Oct 22, 2015Feb 4, 2016Apr 22, 2016Aug 16, 2016Oct 20, 2016Feb 9, 2017Apr 20, 2017Jul 20, 2017Oct 26, 2017Feb 8, 2018Apr 19, 2018Jul 19, 2018Oct 25, 2018Feb 8, 2019Apr 24, 2019Jul 18, 2019Oct 24, 2019Feb 6, 2020Apr 23, 2020Jul 21, 2020Oct 22, 2020Feb 4, 2021May 17, 2021Jul 22, 2021Oct 21, 2021Feb 8, 2022Apr 22, 2022Jul 21, 2022Oct 24, 2022Feb 7, 2023Apr 25, 2023Jul 25, 2023Nov 14, 2023Mar 6, 2024Apr 25, 2024Jul 23, 2024Oct 24, 2024Feb 5, 2025Apr 24, 2025Aug 14, 2025Oct 30, 2025Feb 5, 2026Apr 23, 2026Aug 20, 2026Nov 13, 2026
EPS Estimate2115.002668.402306.992381.961837.001510.001039.800.000.00----------------------------2.072.072.110.451.862.052.061.161.532.072.661.332.582.582.761.352.992.483248.571.523291.523374.203611.27858.191.993722.783650.211591.754253.004375.574502.021611.273.483.513.94
EPS Actual702.502304.001721.001876.001920.501688.851.69-0.891.992.171.280.491.381.251.080.270.950.371.020.660.871.001.090.481.410.770.900.761.241.321.361.271.012180.082485.492228.341.232.162.042.130.431.822.152.071.131.572.222.741.322.882.622.751.322.982.543097.000.783669.003691.003380.00572.001.944368.004216.001558.004384.004565.004453.002034.003.493.165314.00
Surprise-66.78%-13.66%-25.40%-21.24%4.55%11.84%-99.84%------------------------------4.35%-1.45%0.95%-4.22%-2.15%4.88%0.49%-2.59%2.61%7.25%3.01%-0.75%11.63%1.55%-0.36%-2.22%-0.33%2.42%-4.67%-48.68%11.47%9.39%-6.40%-33.35%-2.51%17.33%15.50%-2.12%3.08%4.33%-1.09%26.24%0.41%-9.97%134773.10%
TimingPre-marketPre-marketPre-marketPre-marketPre-marketPre-market----------------Pre-marketPre-marketPre-marketPre-marketPre-marketPre-marketPre-marketPre-marketPre-marketPre-marketAfter-hoursPre-marketAfter-hoursPre-marketAfter-hoursPre-marketPre-marketPre-marketPre-marketPre-marketPre-marketPre-marketPre-marketPre-marketPre-marketPre-marketPre-marketPre-marketPre-marketAfter-hoursPre-marketPre-marketPre-marketAfter-hoursPre-marketAfter-hoursPre-marketPre-marketPre-marketPre-marketPre-marketPre-marketPre-marketPre-marketPre-marketAfter-hoursPre-market---

Key Statistics & Ratios

Market Cap40.05B
Enterprise Value26.97T
Trailing P/E9.90
Forward P/E3.85
PEG Ratio0.71
Price / Sales0.00
Price / Book0.87
EPS11.65
Book Value30.20
Revenue (TTM)17.20T
Gross Profit (TTM)17.20T
Profit Margin36.53%
Operating Margin58.94%
Return on Equity10.22%
Return on Assets0.77%
Shares Outstanding347.15M
Shares Float1.38B
Beta0.65
Dividend Yield2.87%
Dividend Rate3.31
Payout Ratio0.02%

Analyst Ratings

Strong Buy
Based on 1 analystsTarget 166.50
  • Strong Buy
    1

Ownership Breakdown

Institutions
6.78%
Insiders
0.00%
Retail / Other
93.22%

Top Institutional Holders

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    2.50M0.71%
  • Dimensional Fund Advisors, Inc.
    2.40M0.68%
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    1.50M0.42%
  • Morgan Stanley - Brokerage Accounts
    1.40M0.39%
  • American Century Companies Inc
    1.16M0.33%
  • Bank of America Corp
    1.01M0.29%
  • Northern Trust Corp
    860.14K0.24%
  • CIBC Bancorp USA Inc.
    648.67K0.18%
  • BNP Paribas Investment Partners SA
    621.85K0.18%
  • Todd Asset Management
    551.20K0.16%
  • Clark Capital Management Group Inc
    488.44K0.14%
  • WCM Investment Management
    396.12K0.11%
  • Connor Clark & Lunn Inv Mgmt Ltd
    385.81K0.11%
  • Marshall Wace Asset Management Ltd
    363.47K0.10%
  • Teachers Retirement System Of The State Of Kentucky
    347.20K0.10%
  • Royal Bank of Canada
    325.52K0.09%
  • The Goldman Sachs Group Inc
    312.19K0.09%
  • Creative Planning Inc
    298.91K0.08%

Top Fund Holders

  • DFA Emerging Markets Value I
    1.70M0.48%
  • Avantis Emerging Markets Equity ETF
    1.15M0.32%

Dividends

20263×
0.81Aug 6, 20260.62May 7, 20260.90Feb 26, 2026
20254×
0.61Nov 13, 20250.66Aug 8, 20250.66May 9, 20250.56Feb 27, 2025
20244×
0.57Sep 27, 20240.57Jun 27, 20240.57Mar 27, 20241.12Feb 27, 2024
20233×
0.39Sep 28, 20230.39Jun 28, 20230.39Mar 29, 2023
20224×
1.10Dec 29, 20220.36Sep 28, 20220.38Jun 28, 20220.39Mar 29, 2022
20212×
1.77Dec 29, 20210.66Jun 28, 2021
20201×
1.57Dec 29, 2020
20191×
1.79Dec 27, 2019
20181×
1.68Dec 27, 2018
20171×
1.79Dec 28, 2017

Stock Splits

  • Dec 26, 2001106:100