KB Financial Group Inc. (KB) AI Stock Analysis

KB Financial Group Inc. is a prominent provider of diverse banking and financial services, serving both individual consumers and corporate clients across South Korea and internationally. Established in 2008 and headquartered in Seoul, South Korea, the company operates across segments including Corporate Banking, Retail Banking, Securities Business, Credit Card Business, and Life Insurance Business. The Corporate Banking segment provides loans, deposit products, and financial services to large enterprises and SMEs. Retail Banking offers savings accounts, loans, credit cards, and installment financing to individuals. The company also provides securities trading, brokerage services, investment banking, insurance products, financial leasing, real estate trust management, investment advisory, and software development.

Between FY2021 and FY2025, revenue grew from $20.97T to $50.69T, generating a 5-year revenue CAGR of 20.7%. Annual revenue growth reached 22.3% in FY2022, 42.0% in FY2023, 3.7% in FY2024, and 34.2% in FY2025. Over the same period, net income expanded from $4.41T in FY2021 to $5.85T in FY2025, while net margin moved from 21.0% to 11.5%. Operating margin stood at 16.8% in FY2025, down from 29.0% in FY2021. For the latest quarter ended June 30, 2026, quarterly revenue growth was 18.5% year-over-year, and quarterly earnings growth was 20.7%. Over the trailing twelve months, revenue reached $17.20T with a profit margin of 36.5% and an operating margin of 58.9%.

As of June 30, 2026, KB Financial Group held cash and short-term investments of $44.62T against total debt of $158.37T, leaving net debt at $113.75T. Shareholders' equity was $60.89T against total assets of $866.89T, resulting in a debt-to-equity ratio of 2.60. In FY2025, operating cash flow stood at $4.23T and free cash flow was $3.67T. Capital allocation in FY2025 included capital expenditures of $554.97B, share buybacks of $1.50T, and dividends paid of $1.30T, contributing to a 5-year share count change of -10.2%.

KB trades at a trailing price-to-earnings ratio of 10.2x and a forward price-to-earnings ratio of 3.8x. Both multiples compare to the median of its US-listed Financial Services peers of 12.1x trailing and 10.8x forward. Its price-to-book ratio is 1.0x, while enterprise value to revenue sits at 9.0x on a market cap of $41.71B. The company carries a PEG ratio of 0.71 and a beta of 0.65. Over the past year, the stock returned 52.1% compared to 16.8% for the S&P 500, and over five years it achieved a return of 217.0% versus 83.0% for the S&P 500.

KB pays a quarterly dividend with an annualized forward payout of $3.31 per share, representing a dividend yield of 2.79%. The company maintains a payout ratio of 0.1% and has paid dividends for 18 consecutive years. Its 5-year annualized dividend growth rate is 9.7%, and its most recent ex-dividend date was August 6, 2026.

One analyst covers the stock with a StrongBuy rating. The mean price target is $167.52, which is 41.0% above the last close of $118.81. For the current fiscal year ending December 31, 2026, consensus estimates project revenue of $19.29T and EPS of $18597.83, reflecting estimated EPS growth of 20.5%. Over the last four quarters, the company beat EPS estimates 2 times. The next earnings date is November 13, 2026.

This page is an AI-written research summary of KB Financial Group Inc. (KB). The text was generated on October 30, 2026 from Quotelinks data as of October 16, 2026 (company profile, annual results, latest balance sheet, valuation, price performance and analyst estimates). An automatic check rejects any draft that contains a figure not found in that data. It is not investment advice; verify figures on the linked tabs before making decisions.

Related: KB income statement, KB balance sheet, KB key metrics, KB analyst forecast, KB chart. See the KB stock overview for the latest quote and news.