KB Financial Services

KB Financial Group Inc.

$110.93-0.88%

Price as of close on Nov 3, 2026 · Financials updated Oct 1, 2026

Basics

Sector: Financial Services
Industry: Banks - Regional
Country: South Korea
Market cap: 38.9B USD

Overall health

Drawback: less profitable than most peersless profitable than peers
Drawback: growing more slowly than most peersgrowing more slowly than peers
Drawback: its shares are priced higher than most peers relative to what it earnspriced higher than peers for its earnings

Ranks #756 of 791 banks & insurance companies (bottom 5%)

Based on 3 categories: banks and insurers are not rated on risk.

Scored as a bank or insurer: cash-flow, EBITDA, gross margin and current ratio aren’t scored; they are under “Other data”.

See how it ranks against its peers

Worth knowing

Financials may be out of date. Latest financial period ended 10 months ago.
The latest financial period we have ended 10 months ago, so the scores may not reflect recent results.

StockQuotient Score

18/ 100▼ 1 since Oct 27 close

Oct 5 17 → Nov 4 18 (+1)

Valuation

Is the price right?

22/100

Weak

2/2 inputs reported · High confidence

Since last year: No major changeValuation also moves with the share price every day.

Why

Weaker than most peers on:

▼ Earnings yield
▼ P/B

Compare with peers

Behind the score

Earnings yield (P/E) and book yield (P/B) versus other banks and insurers.

Book yield55.8%

SEC filings (IFRS mapped) · latest balance sheet · KRW→USD at the current rateReported value40% base weight · Z-score -0.83Sector median: 0.7950 · MAD: 0.2843

Earnings yield5.5%

SEC filings (IFRS mapped) · 12 months to Dec 2025 · KRW→USD at the current rateReported value60% base weight · Z-score -0.94Sector median: 0.0789 · MAD: 0.0253

Other data (not scored)

EBITDA yield10.3%

SEC filings (IFRS mapped) · 12 months to Dec 2025 · KRW→USD at the current rateReported valueInformational · 0% composite weightSector median: 0.1095 · MAD: 0.0527

Free cash flow yield3.7%

SEC filings (IFRS mapped) · 12 months to Dec 2025 · KRW→USD at the current rate · operating cash flow − capital spendingReported valueInformational · 0% composite weightSector median: 0.0796 · MAD: 0.0459

Growth

Is it growing?

0/100

Weak

1/1 inputs reported · High confidence

Since last year: ▲ Stronger

12-month revenue up 8.1%

Why

Weaker than most peers on:

▼ EPS growth

Compare with peers

Behind the score

Earnings-per-share growth versus other banks and insurers.

Earnings per share growth-40.2%

SEC filings (IFRS mapped) · 12 months to Dec 2025Outlier capped at sector 5th/95th percentile100% base weight · Z-score -3.12Sector median: 0.1599 · MAD: 0.1775

Other data (not scored)

3-year revenue growth9.0%

Yahoo Finance fallback · SEC figure unavailable or out of date · 3 fiscal years to Dec 2025Reported valueInformational · 0% composite weightSector median: 0.0826 · MAD: 0.0558

Revenue growth5.6%

Yahoo Finance fallback · SEC figure unavailable or out of date · fiscal year to Dec 2025Reported valueInformational · 0% composite weightSector median: 0.0866 · MAD: 0.0782

Profitability

Does it earn well?

33/100

Weak▼ 1 since Oct 27 close

2/2 inputs reported · High confidence

Since last year: ▲ Stronger

Operating margin rose 14.9 points to 52.5%

Why it changed since the Oct 27, 2026 close: Score 34 → 33

Peer companies moved-1

Each step re-scores the company against its peers as they were on Oct 28, 2026; the parts add up to the change. Price effects on EBITDA yield are approximate.

Why

Weaker than most peers on:

▼ ROA

Compare with peers

Behind the score

Return on equity and return on assets versus other banks and insurers.

Return on assets0.7%

SEC filings (IFRS mapped) · 12 months to Dec 2025Reported value50% base weight · Z-score -0.71Sector median: 0.0117 · MAD: 0.0062

Return on equity9.9%

SEC filings (IFRS mapped) · 12 months to Dec 2025Reported value50% base weight · Z-score -0.22Sector median: 0.1074 · MAD: 0.0388

Other data (not scored)

Gross marginUnavailable

Missing · left out of the scoreInformational · 0% composite weightSector median: Unavailable · MAD: Unavailable

Operating marginUnavailable

Missing · left out of the scoreInformational · 0% composite weightSector median: 0.1450 · MAD: 0.1678

Return on invested capitalUnavailable

Missing · left out of the scoreInformational · 0% composite weightSector median: Unavailable · MAD: Unavailable

Risk

Debt, liquidity, price swings

Not rated

Not rated for banks and insurers: debt and share-price swings say little about their risk. We leave it blank rather than fill the gap with a made-up middle value.

Valuation, growth and profitability scores: higher is better. Risk: 0 is lower, 2 is higher. Risk is a relative proxy, not a bankruptcy probability. Scores depend on available sector peers.

Questions investors ask about KB Financial

Is KB Financial getting weaker?: Its latest SEC filing (Apr 28, 2026) got stronger: operating margin rose 14.9 points to 52.5%; debt down 84%. Its overall score is 18/100, down 1 since Oct 28, 2026.
How is KB Financial valued vs its peers?: Priced higher than most peers relative to what it earns. Valuation scores 22/100 against 950 banks & insurance peers. Earnings yield 5.5% vs a peer median of 7.9% (weaker than 75% of peers).Earnings yield 5.5% vs peers 7.9% (weaker than 75% of peers).
Is KB Financial growing?: More slowly than most of its peers. Growth scores 0/100 against 950 banks & insurance peers. Earnings per share growth -40.2% vs a peer median of 16.0% (weaker than 100% of peers).Earnings per share growth -40.2% vs peers 16.0% (weaker than 100% of peers).
How profitable is KB Financial?: Less profitable than most of its peers. Profitability scores 33/100 against 950 banks & insurance peers. Return on assets 0.7% vs a peer median of 1.2% (weaker than 70% of peers).Return on assets 0.7% vs peers 1.2% (weaker than 70% of peers).
How risky is KB Financial?: Not rated for banks and insurers: debt and share-price swings say little about their risk.

Latest filing: what changed

Year ended Dec 31, 2023 · filed Apr 28, 2026 · compared with the year ended Dec 31, 2022

Got stronger

Operating margin rose 14.9 points to 52.5%
Debt down 84%

	Previous year	Latest year	Change
Revenue (12 months)	15.01T KRW	16.23T KRW	+8.1%
Net income (12 months)	4.39T KRW	5.83T KRW	+32.7%
Operating margin	37.6%	52.5%	+14.9 pts
Free cash flow (12 months)	5.39T KRW	3.89T KRW	−27.8%
Debt	71.72T KRW	11.29T KRW	−84.3%
Cash	26.16T KRW	29.02T KRW	+10.9%

From the company’s own SEC filings, as filed. Twelve-month figures roll forward one year at a time.

Financials

Fiscal years from SEC annual filings · change vs the prior year · amounts in KRW, as reported

Key ratios	FY 2021	FY 2022	FY 2023	FY 2024	FY 2025	Change
Operating margin	42.1%	38.0%	39.3%	—	—	—
Net margin	30.4%	29.8%	28.3%	—	—	—
Return on assets (ROA)	0.7%	0.6%	0.6%	0.7%	0.7%	▲ 0.1 pts
Return on equity (ROE)	9.3%	7.8%	8.1%	8.8%	9.9%	▲ 1.1 pts
Debt to equity	1.20×	1.36×	1.23×	0.20×	0.19×	▼ 3.5%
Interest coverage	1.53×	0.57×	0.38×	0.46×	0.53×	▲ 16%

KB price history

Price history is added with the daily price update and will appear after the next one.

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Bringing the fundamentals into focus…

Overall health

Drawback: less profitable than most peersless profitable than peers

Drawback: growing more slowly than most peersgrowing more slowly than peers

Drawback: its shares are priced higher than most peers relative to what it earnspriced higher than peers for its earnings

Ranks #756 of 791 banks & insurance companies (bottom 5%)

Based on 3 categories: banks and insurers are not rated on risk.

Scored as a bank or insurer: cash-flow, EBITDA, gross margin and current ratio aren’t scored; they are under “Other data”.

See how it ranks against its peers

Questions investors ask about KB Financial

Is KB Financial getting weaker?

Its latest SEC filing (Apr 28, 2026) got stronger: operating margin rose 14.9 points to 52.5%; debt down 84%. Its overall score is 18/100, down 1 since Oct 28, 2026.

How is KB Financial valued vs its peers?

Priced higher than most peers relative to what it earns. Valuation scores 22/100 against 950 banks & insurance peers. Earnings yield 5.5% vs a peer median of 7.9% (weaker than 75% of peers).Earnings yield 5.5% vs peers 7.9% (weaker than 75% of peers).

Is KB Financial growing?

More slowly than most of its peers. Growth scores 0/100 against 950 banks & insurance peers. Earnings per share growth -40.2% vs a peer median of 16.0% (weaker than 100% of peers).Earnings per share growth -40.2% vs peers 16.0% (weaker than 100% of peers).

How profitable is KB Financial?

Less profitable than most of its peers. Profitability scores 33/100 against 950 banks & insurance peers. Return on assets 0.7% vs a peer median of 1.2% (weaker than 70% of peers).Return on assets 0.7% vs peers 1.2% (weaker than 70% of peers).

How risky is KB Financial?

Not rated for banks and insurers: debt and share-price swings say little about their risk.

Previous year

Latest year

Change

Revenue (12 months)

15.01T KRW

16.23T KRW

+8.1%

Net income (12 months)

4.39T KRW

5.83T KRW

+32.7%

Operating margin

37.6%

52.5%

+14.9 pts

Free cash flow (12 months)

5.39T KRW

3.89T KRW

−27.8%

Debt

71.72T KRW

11.29T KRW

−84.3%

Cash

26.16T KRW

29.02T KRW

+10.9%

Key ratios

FY 2021

FY 2022

FY 2023

FY 2024

FY 2025

Change

Operating margin

42.1%

38.0%

39.3%

—

Net margin

30.4%

29.8%

28.3%

—

Return on assets (ROA)

0.7%

0.6%

0.7%

▲ 0.1 pts

Return on equity (ROE)

9.3%

7.8%

8.1%

8.8%

9.9%

▲ 1.1 pts

Debt to equity

1.20×

1.36×

1.23×

0.20×

0.19×

▼ 3.5%

Interest coverage

1.53×

0.57×

0.38×

0.46×

0.53×

▲ 16%