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Earnings transcript
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KB
KB Financial Group Inc.
$102.25
1.86
(1.85%)
| Exchange: | NYSE |
| Market Cap: | 36.338B |
| Shares Outstanding: | 120.573M |
Delayed data
About The Company
| Sector: | Financial Services | |||||
| Industry: | Banks – Regional | |||||
| CEO: | Jong Hee Yang | |||||
| Full Time Employees: | 141 | |||||
| Address: |
| |||||
| Website: | https://www.kbfg.com |
KB Financial Group Inc. is a prominent financial conglomerate offering a diverse array of banking and associated financial services to both individual consumers and corporate entities, both domestically in South Korea and across international markets. The company’s operations are strategically organized into distinct divisions: Corporate Banking, Retail Banking, Other Banking Services, Securities Business, Non-life Insurance Business, Credit Card Business, and Life Insurance Business. It supplies various lending products, deposit accounts, and related financial instruments to a broad client base, including large corporations, small and medium-sized enterprises, home offices, and private households. Additionally, the group provides expert investment banking and brokerage services, alongside a comprehensive suite of life and non-life insurance products. Credit card facilities such as sales, cash advance services, and card loans, along with other support, are also part of its offering. KB Financial Group actively participates in securities and derivatives trading, manages funding initiatives, and conducts various ancillary financial activities. Its extensive portfolio further includes foreign exchange dealings, financial investment consultation, installment financing, financial leasing, real estate trust administration, capital infusion, debt collection and credit assessment, software advisory, development, and supply, investment guidance, claims processing, asset management, savings banking, information and communication technology solutions, and general business advisory services. The company was founded in 2008 and is headquartered in Seoul, South Korea.
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Revenue Segmentation
EPS
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Earnings Call
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Key takeaways
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Login — it's freeIncome Statement
| Year | 2023 | 2024 | 2025 |
|---|---|---|---|
| Revenue | 36,411,810,000 | 37,768,991,000 | 50,686,372,000 |
| Gross Profit | 16,304,237,000 | 18,060,034,000 | 24,864,872,000 |
| EBITDA | 6,986,078,000 | 7,901,542,000 | 8,531,244,000 |
| Operating Income | 6,120,151,000 | 6,985,247,000 | 8,531,244,000 |
| Net Income | 4,594,835,000 | 5,078,221,000 | 5,850,527,000 |
(* All numbers are in thousands)
Balance Sheet
| Year | 2023 | 2024 | 2025 |
|---|---|---|---|
| Total Assets | 715,738,152,000 | 757,845,532,000 | 0 |
| Total Liabilities | 656,864,842,000 | 698,030,351,000 | -61,371,093,000 |
| Total Stockholders Equity | 56,692,684,000 | 57,888,952,000 | 61,371,093,000 |
| Total Debt | 137,041,132,000 | 140,770,970,000 | 0 |
| Cash and Cash Equivalents | 30,787,443,000 | 30,792,747,000 | 0 |
(* All numbers are in thousands)
Cash Flow Statement
| Year | 2023 | 2024 | 2025 |
|---|---|---|---|
| Operating Cash Flow | 4,108,816,000 | 4,020,186,000 | 0 |
| Capital Expenditure | -350,138,000 | -626,909,000 | 0 |
| Free Cash Flow | 3,428,251,000 | 3,393,277,000 | 0 |
| Net Income | 4,631,932,000 | 5,028,606,000 | 5,842,974,000 |
| Net Change in Cash | -708,210,000 | -1,217,721,000 | -24,608,867,000 |
(* All numbers are in thousands)
Analyst Estimates
| Fiscal Year | 2028 | Full Access | Full Access | Full Access | Full Access |
|---|---|---|---|---|---|
| Estimated Revenue (Low) | 19,741,789,377.760 | Full Access | Full Access | Full Access | Full Access |
| Estimated Revenue (High) | 21,405,721,863.868 | Full Access | Full Access | Full Access | Full Access |
| Estimated Revenue (Avg) | 20,470,693,970.197 | Full Access | Full Access | Full Access | Full Access |
| Estimated Ebitda (Low) | 4,548,419,145.591 | Full Access | Full Access | Full Access | Full Access |
| Estimated Ebitda (High) | 4,931,781,678.336 | Full Access | Full Access | Full Access | Full Access |
| Estimated Ebitda (Avg) | 4,716,355,472.947 | Full Access | Full Access | Full Access | Full Access |
| Estimated Net Income (Low) | 7,640,221,374.951 | Full Access | Full Access | Full Access | Full Access |
| Estimated Net Income (High) | 8,486,738,631.511 | Full Access | Full Access | Full Access | Full Access |
| Estimated Net Income (Avg) | 8,011,047,907.359 | Full Access | Full Access | Full Access | Full Access |
| Estimated SGA Expense (Low) | 3,899,784,433.327 | Full Access | Full Access | Full Access | Full Access |
| Estimated SGA Expense (High) | 4,228,476,928.382 | Full Access | Full Access | Full Access | Full Access |
| Estimated SGA Expense (Avg) | 4,043,771,927.498 | Full Access | Full Access | Full Access | Full Access |
| Estimated EPS (Avg) | 20.959 | Full Access | Full Access | Full Access | Full Access |
| Estimated EPS (High) | 22.204 | Full Access | Full Access | Full Access | Full Access |
| Estimated EPS (Low) | 19.989 | Full Access | Full Access | Full Access | Full Access |
| Number of Analysts (Estimated Revenue) | 6 | Full Access | Full Access | Full Access | Full Access |
| Number of Analysts (Estimated EPS) | 1 | Full Access | Full Access | Full Access | Full Access |
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Current Key Metrics
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Login — it's freeForward P/E Ratios
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Login — it's freeSWOT Analysis
Strengths (preview)
- Robust Financial Performance: KB Financial Group reported a net profit of KRW 5,078.2 billion in 2024, reflecting strong earnings as highlighted in the latest earnings call. This performance underscores the company’s ability to maintain profitability amidst economic challenges, supported by consistent revenue growth as per income statement data.
- High Return Metrics: Key metrics such as roeTTM and roicTTM indicate efficient use of equity and invested capital, positioning KB favorably within its sector. These metrics suggest strong operational efficiency and value creation for shareholders.
- Solid Liquidity Position: The balance sheet data shows substantial cash and cash equivalents alongside a healthy currentRatioTTM, indicating KB’s ability to meet short-term obligations and fund strategic initiatives without liquidity constraints.
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Intrinsic Value Calculator
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Common questions about KB valuation
Is KB Financial Group Inc. (KB) overvalued or undervalued right now?
MARKETSnap estimates intrinsic value for KB Financial Group Inc. (KB) using its proprietary valuation methodology, which incorporates discounted cash flow (DCF) analysis together with long-term earnings and fundamentals assumptions. By comparing intrinsic value to the current market price, long-term investors can see whether the stock screens as potentially overvalued, fairly valued, or undervalued today.
Is KB a buy, hold, or sell for long-term investors?
MARKETSnap does not give one-word “buy” or “sell” calls. Instead, it shows whether KB trades at a premium or discount to its estimated intrinsic value, how sensitive that value is to growth and margin assumptions, and how the stock fits into a diversified, long-term portfolio so investors can make their own buy, hold, or sell decision.
What is KB’s P/E ratio?
You can see KB’s trailing P/E (TTM) and forward P/E estimates in the Current Key Metrics and Forward P/E Ratios sections above. The P/E ratio compares the current share price to earnings per share and helps investors gauge valuation relative to earnings.
How is intrinsic value calculated for KB?
MARKETSnap uses its own valuation framework—not a generic spreadsheet DCF alone. Future cash flows and earnings are projected, discounted, and combined with MARKETSnap’s methodology so intrinsic value reflects fundamentals and long-term assumptions. You can run your own inputs and see the result using the Intrinsic Value Calculator above.
Is KB a good long-term investment?
Whether KB fits a long-term portfolio depends on your assumptions about growth, margins, and risk. MARKETSnap provides the metrics, intrinsic value calculator, and SWOT context so you can form your own view rather than rely on a single buy/sell rating.
KB
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Daily snapshot
1.85
Trading Metrics:
| Open: | 101.96 | Previous Close: | 100.39 | |
| Day Low: | 100.4 | Day High: | 103.57 | |
| Year Low: | 76.31 | Year High: | 119.71 | |
| Price Avg 50: | 105.58 | Price Avg 200: | 93.88 | |
| Volume: | 361601 | Average Volume: | 229576 |
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Login — it's freeKB full analysis
Hey everyone, welcome back to the channel! Today, we’re diving deep into a comprehensive analysis of KB Financial Group, a major player in the South Korean financial services space. If you’re looking to understand what makes this stock tick, whether it’s a potential buy for your portfolio, or just curious about its performance, stick around because we’ve got a lot to unpack. Let’s get started! So, what’s the big picture with KB Financial Group? Well, for those who might not…
