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Updated: Dec 15, 2025

Stock Analysis

KB Logo
$85.66
$0.56 |0.66%
Day Range:
$85.49 - $86.10
Market Cap:
31.03B
P/E Ratio:
8.2915
Avg Value:
$69.38
Year Range:
$46.38 - $92.39
1
General Information
KB Financial Group Inc. is a financial holding company in Korea.

The company operations include Kookmin Bank, one of the commercial banks in Korea. The company's subsidiaries collectively engage in a broad range of businesses, including commercial banking, credit cards, asset management, non-life and life insurance, capital markets activities, and international banking and finance. The company's segments include the Banking business, Securities business, Non-life Insurance business, Credit card business, and Life Insurance business. The Group generates the majority of its revenue from the Banking business.

2
KB Financial Group (KB) Stock Graph
3
How We Grade KB Financial Group (KB)

We grade stocks based on past performance, their future growth potential, intrinsic value, dividend history, and overall financial health.

The chart below shows how we grade KB Financial Group (KB) across the board compared to its closest peers.

4
Benzinga Edge Rankings

Benzinga Edge stock rankings give you four critical scores to help you identify the strongest and weakest stocks to buy and sell.

60.48

Growth measures a stock's combined historical expansion in earnings and revenue across multiple time periods, with emphasis on both long-term trends and recent performance.

Momentum measures a stock's relative strength based on its price movement patterns and volatility over multiple timeframes, ranked as a percentile against other stocks.

99.29

Quality is a composite ranking that evaluates a company's operational efficiency and financial health by analyzing historical profitability metrics and fundamental strength indicators on a percentile basis relative to peers.

Stock Score Locked: Want to See it?
Benzinga Rankings give you vital metrics on any stock – anytime.
5
Valuation

Earnings History (3 years)

It is important to look at a companies earnings history to see not only if they are profitable, but if their earnings are growing.
As you can see from the chart above, KB's earnings have fluctuated but has decreased since, this is a negative sign for the stock.
6
Past Performance
How has KB Financial Group (KB) performed over the past 5 years?

The two main factors that we consider when analyzing past performance is overall return and volatility

Using these two metrics, we can determine if this stock gave its investors enough return for the risk that they took on by owning it. This is measured by the sharpe ratio, which has been used as a primary measure of risk/reward trade-off for almost 60 years.

This ratio can be interpreted as the amount of return an investor has received for the amount of risk that they took on by owning the stock over that timeframe.

KB Financial Group (KB) sharpe ratio over the past 5 years is 1.2615 which is considered to be above average compared to the peer average of 0.8403

7
Company Financials
INCOME STATEMENT
The income statement also known as the profit and loss statement, primarily focuses on the company's revenues and expenses during a particular period.

The main purpose of an income statement is to convey details of profitability and business activities. Below, is KB's income statement for the previous four years along with its trailing-twelve- month profit & loss.

FISCAL YEAR (BIL.)
2021 ($)
2022 ($)
2023 ($)
2024 ($)
TTM ($)
Total Revenue
16,911.32
17,831.74
20,146.44
19,839.07
20,543.65
Operating Revenue
16,911.32
17,831.74
20,146.44
19,839.07
20,543.65
Cost Of Revenue
0.00
0.00
0.00
0.00
0.00
Gross Profit
0.00
0.00
0.00
0.00
0.00
Operating Expense
0.00
0.00
0.00
0.00
0.00
Selling General And Administration
6,957.25
6,691.89
5,875.02
6,391.85
6,409.30
Research and Development
0.00
0.00
0.00
0.00
0.00
Operating Income
0.00
0.00
0.00
0.00
0.00
Net Non-Operating Interest Income Expense
0.00
0.00
0.00
0.00
0.00
Other Income Expense
0.00
0.00
0.00
0.00
0.00
Other Non-Operating Income Expenses
-83.96
9.09
-311.70
-1,030.39
59.16
Pre-Tax Income
6,081.61
5,795.63
6,170.45
6,985.25
7,835.56
Tax Provision
1,697.22
1,622.39
1,607.02
1,956.64
2,074.94
Net Income
4,409.54
4,394.83
4,631.93
5,078.22
5,804.66
Net Income Common Stockholders
4,423.10
4,394.83
4,543.16
4,830.35
5,450.54
Total Operating Income As Reported
0.00
0.00
0.00
0.00
0.00
Total Expenses
0.00
0.00
0.00
0.00
0.00
Net Income From Continuing And Discontinued Operation
4,409.54
4,394.83
4,631.93
5,078.22
5,804.66
Normalized Income
4,409.65
4,515.82
4,632.64
5,322.01
6,049.28
Interest Income
15,210.88
20,788.52
29,145.08
30,491.38
29,562.59
Interest Expense
3,981.31
7,675.58
17,003.36
17,664.67
16,553.69
Net Interest Income
11,229.57
13,112.93
12,141.72
12,826.71
13,008.90
EBIT
0.00
0.00
0.00
0.00
0.00
EBITDA
0.00
0.00
0.00
0.00
0.00
Reconciled Cost Of Revenue
0.00
0.00
0.00
0.00
0.00
Reconciled Depreciation
1,006.69
1,016.46
865.93
916.30
915.52
Normalized EBITDA
0.00
0.00
0.00
0.00
0.00
Tax Rate For Calcs
0.00
0.00
0.00
0.00
0.27
Tax Effect Of Unusual Items
1.44
-45.79
-0.25
-98.21
-98.54
BALANCE SHEET
The balance sheet is a snapshot of a companies financials during a particular period in time.

It breaks down what company owns (assets) and what a company owes (liabilities), in order to give investors an overview of its capital structure.

FISCAL YEAR (BIL.)
2021 ($)
2022 ($)
2023 ($)
2024 ($)
TTM ($)
Total Assets
663,895.83
701,170.85
715,738.15
757,845.53
796,063.20
Current Assets
0.00
0.00
0.00
0.00
0.00
Total Non-Current Assets
0.00
0.00
0.00
0.00
0.00
Total Liabilities Net Minority Interest
615,601.91
651,527.93
656,864.84
698,030.35
734,692.11
Current Liabilities
0.00
0.00
0.00
0.00
0.00
Other Non-Current Liabilities
0.00
0.00
0.00
0.00
0.00
Total Equity Gross Minority Interest
48,293.92
49,642.91
58,873.31
59,815.18
61,371.09
Stockholders Equity
0.00
0.00
0.00
0.00
0.00
Total Capitalization
150,297.26
169,068.09
177,730.00
184,892.42
186,674.38
Common Stock Equity
47,460.58
48,362.81
56,929.80
57,888.95
59,582.29
Net Tangible Assets
44,194.22
45,162.41
54,978.95
55,922.27
57,798.46
Working Capital
0.00
0.00
0.00
0.00
0.00
Invested Capital
150,297.26
169,068.09
177,730.00
184,892.42
186,674.38
Tangible Book Value
44,194.22
45,162.41
54,978.95
55,922.27
57,798.46
Total Debt
103,415.49
121,297.98
121,389.00
127,967.86
127,092.09
Net Debt
70,784.52
87,654.53
90,012.75
96,210.72
101,821.33
Share Issued
0.42
0.41
0.40
0.39
0.38
Ordinary Shares Number
0.39
0.39
0.38
0.37
0.36
CASH FLOW STATEMENTS
A companies statement of cash flows gives an investor a break down of the cash inflows and outflows from a companies operations and investment activities.
FISCAL YEAR (BIL.)
2021 ($)
2022 ($)
2023 ($)
2024 ($)
TTM ($)
Cash Flow from Continuing Operating Activities
-6,700.26
5,686.08
4,108.82
4,020.19
-4,187.24
Net Income from Continuing Operations
4,384.38
4,173.24
4,563.43
5,028.61
5,760.62
Depreciation and Amortization
1,006.69
1,016.46
865.93
916.30
915.52
Deferred Tax
Deferred Income Tax
Stock-Based Compensation
101.93
58.27
69.70
140.45
138.19
Other Non-Cash Items
3,739.04
1,757.65
-5,361.82
-8,463.27
-8,550.57
Change in Working Capital
-16,635.22
-3,793.38
1,855.09
3,091.95
-4,809.96
Change in Receivables
10.58
-105.89
-39.63
-95.54
-52.23
Changes in Account Receivables
Change in Inventory
Change in Payables and Accrued Expense
-102.27
335.00
-853.35
385.38
340.03
Change in Payable
-102.27
335.00
-853.35
385.38
340.03
Change in Account Payable
Change in Other Current Assets
-3,724.56
-1,222.95
-3,780.80
1,393.45
-12,922.03
Change in Other Current Liabilities
1,314.56
-2,862.92
9,952.43
-4,948.83
7,416.13
Change in Other Working Capital
27,147.47
21,486.48
11,943.10
34,146.90
23,222.40
Cash Flow from Continuing Investing Activities
-3,856.01
-20,285.72
-3,519.49
-3,825.06
-1,695.22
Net PPE Purchase and Sale
-279.60
-265.76
-341.96
-318.56
-305.31
Net Business Purchase and Sale
374.99
932.43
1,297.00
88.53
1,230.81
Purchase of Business
Net Investment Purchase and Sale
-3,901.09
-21,341.48
-2,638.28
-3,105.33
-2,963.17
Purchase of Investment
-69,194.67
-57,015.97
-58,600.27
-64,077.26
-88,451.76
Sale of Investment
65,293.58
35,674.49
55,961.99
60,971.93
85,488.59
Net Other Investing Changes
75.11
-21.46
-496.25
-397.23
-209.26
Financing Cash Flow
10,821.40
15,318.24
-1,239.07
-1,983.84
4,387.94
Cash Flow from Continuing Financing Activities
10,821.40
15,318.24
-1,239.07
-1,983.84
4,387.94
Net Issuance Payments of Debt
11,325.79
15,388.18
-2,363.90
513.72
7,266.52
Net Long-Term Debt Issuance
11,325.79
15,388.18
-2,363.90
513.72
7,266.52
Long-Term Debt Issuance
129,088.62
122,276.96
83,777.49
86,031.65
103,899.35
Long-Term Debt Payments
-117,762.83
-106,888.78
-86,141.39
-85,517.92
-96,632.82
Net Short-Term Debt Issuance
Net Common Stock Issuance
-571.75
-820.00
-1,374.17
Common Stock Issuance
Common Stock Payments
-571.75
-820.00
-1,374.17
Cash Dividends Paid
Net Other Financing Charges
477.49
1,367.81
2,848.48
-190.58
-237.25
End Cash Position
33,405.51
54,030.55
104,439.70
100,505.85
101,927.40
Changes in Cash
265.12
718.61
-649.74
-1,788.71
-1,494.53
Beginning Cash Position
32,982.14
36,976.49
105,147.91
101,723.57
103,158.66
Capital Expenditure
-478.31
-534.19
-680.57
-626.91
-603.08
Issuance of Capital Stock
Issuance of Debt
129,088.62
122,276.96
83,777.49
86,031.65
103,899.35
Repayment of Debt
-117,762.83
-106,888.78
-86,141.39
-85,517.92
-96,632.82
Repurchase of Capital Stock
-571.75
-820.00
-1,374.17
Free Cash Flow
-7,178.57
5,151.89
3,428.25
3,393.28
-4,790.32