KB Financial Group Inc.
KB NYSE· Commercial Banks, Nec
Last close · Oct 30, 2026
$112.70
KIRA · Stoqly’s AI analyst, in plain words
- KB Financial Group Inc. had $12.1B of revenue in fiscal 2025, down 1.2% on the year before. Over five years, revenue changed +2.7% a year on average.
- KB Financial Group Inc. made $4.1B of net profit in fiscal 2025. From fiscal 2016 to 2025, diluted EPS grew 9.4% a year.
- KB Financial Group Inc. returned $2.0B to shareholders in fiscal 2025, 71% of free cash flow. The diluted share count fell 3.8%.
- It earned 10.2% on shareholders’ money.
Market cap
$41.6B
P/E
10.5x
Revenue
$12.1B
Net income
$4.1B
Return on equity
10.2%
Efficiency ratio
—
KB Financial Group Inc. in 30 seconds · fiscal 2025
Are sales growing?
−1.2%
No. Sales fell 1.2% last year.
Does it make a profit?
34.0%
Yes. It keeps 34.0% of every sale as profit.
How much does it earn on its capital?
10.2%
Fair. It earns 10.2% a year on shareholders’ money.
How is the share priced?
10.5x
One share costs 10.5 times its yearly profit per share.
What KB Financial Group Inc. does
No business description yet.
- Fiscal year ends
- December 31, 2025
- Latest annual report
- 20-F · Apr 28, 2026
- Legal name
- KB Financial Group Inc.
- CIK
- 0001445930
KB Financial Group Inc. · KB · stoqly.net
Results and finances
The last 5 fiscal years. Amounts in USD. Compiled by stoqly.net.
| Fiscal year | FY21 | FY22 | FY23 | FY24 | FY25 |
|---|---|---|---|---|---|
| Sales and profit | |||||
| Revenue | $12.7B | $10.7B | $12.4B | $12.2B | $12.1B |
| Revenue growth | 19.5% | −15.7% | 16.5% | −1.5% | −1.2% |
| Net interest income | $9.8B | $8.9B | $9.3B | $9.4B | $9.2B |
| Operating margin | 42.1% | 38.0% | 39.3% | 48.2% | 49.6% |
| Net income | $3.9B | $3.2B | $3.5B | $3.7B | $4.1B |
| Net margin | 30.4% | 29.8% | 28.3% | 30.5% | 34.0% |
| Diluted EPS | $9.51 | $7.74 | $8.58 | $9.33 | $10.73 |
| Cash | |||||
| Cash from operations | −$1.8B | $3.7B | $3.1B | $2.9B | $3.0B |
| Capital expenditure | $250M | $230M | $268M | $247M | $234M |
| Free cash flow | −$2.0B | $3.5B | $2.9B | $2.7B | $2.7B |
| FCF margin | −16.0% | 32.4% | 23.2% | 22.1% | 22.7% |
| Dividends paid | $858M | $1.1B | $881M | $1.1B | $916M |
| Share buybacks | $0.0M | $0.0M | $437M | $601M | $1.0B |
| Share count change | 1.0% | 0.1% | −1.4% | −2.5% | −3.8% |
| Debt and strength | |||||
| Cash and short-term investments | $21.9B | $21.1B | $19.9B | $16.7B | $20.1B |
| Debt incl. finance leases | $47.9B | $56.9B | $53.6B | $7.8B | $7.8B |
| Deposits | $313.0B | $312.6B | $313.3B | $295.4B | $320.2B |
| Shareholders' equity | $39.9B | $41.9B | $43.7B | $39.3B | $40.9B |
| Net debt / EBITDA | 4.3x | 7.7x | 6.1x | −1.4x | −1.9x |
| Interest coverage | 1.5x | 0.6x | 0.4x | 0.5x | 0.5x |
| Returns and quality | |||||
| Return on capital | 5.8% | 3.8% | 4.7% | 14.0% | 14.9% |
| Return on equity | 9.8% | 7.8% | 8.2% | 9.0% | 10.2% |
| Return on tangible equity | 9.8% | 7.7% | 8.2% | 9.6% | 10.1% |
| Piotroski F-score | 3 | 3 | 6 | 6 | 5 |
Insiders bought, 12 months
$0.0M
0 insiders
Insiders sold, 12 months
$0.0M
0 insiders
Of sales under plans
—
$0.0M
How to read these numbers
- Revenue:
- Total sales reported in the income statement.
- Net income:
- Profit after all expenses, interest and tax.
- Efficiency ratio:
- Noninterest expense as a share of revenue. Lower is better for banks.
- Return on equity:
- Net income as a share of average shareholders' equity.
- Return on tangible equity:
- Net income to common over equity minus goodwill and intangibles.
- Diluted EPS:
- Net income per diluted share.
KB Financial Group Inc. · KB · stoqly.net
Charts and comparison
Ten years at a glance, and how it stacks up against similar companies.
Revenue
Net income
Return on equity and efficiency ratio
Loans and deposits
Dividends and buybacks
Diluted EPS
KIRA
At $112.70 a share, the company is worth $41.6B: 10.5 times its earnings of the last four quarters.
Compiled and analysed by stoqly.net from SEC EDGAR XBRL filings (CIK 0001445930). Latest version: stoqly.net/companies/kb. Data updated November 1, 2026. Filed in KRW under IFRS and converted to US$: income and cash-flow lines at each period's average exchange rate, balance-sheet lines at the period-end rate. For information only — not investment advice. Check the original filings before relying on any figure.