KBC Group (KDB) Stock Overview

Provides banking, insurance, and asset management services primarily for retail, private banking, small and medium sized enterprises, and mid-cap clients in Belgium, Bulgaria, the Czech Republic, Hungary, and Slovakia. More details

KDB fundamental analysis
Snowflake Score
Valuation	2/6
Future Growth	2/6
Past Performance	5/6
Financial Health	5/6
Dividends	4/6

Rewards

Trading at 31.3% below our estimate of its fair value

Earnings are forecast to grow 2.78% per year

Earnings grew by 18.7% over the past year

Risk Analysis

Shares are highly illiquid

Unstable dividend track record

KDB Community Fair Values

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KBC Group NV Competitors

Price History & Performance

Summary of share price highs, lows and changes for KBC Group
Historical stock prices
Current Share Price	€102.05
52 Week High	€103.10
52 Week Low	€94.50
Beta	0.94
1 Month Change	n/a
3 Month Change	n/a
1 Year Change	n/a
3 Year Change	n/a
5 Year Change	n/a
Change since IPO	6.64%

Recent updates

Shareholder Returns

	KDB	DE Banks	DE Market
7D	1.5%	0.6%	2.7%
1Y	n/a	52.1%	14.5%

Return vs Industry: Insufficient data to determine how KDB performed against the German Banks industry.

Return vs Market: Insufficient data to determine how KDB performed against the German Market.

Price Volatility

Is KDB's price volatile compared to industry and market?
KDB volatility
KDB Average Weekly Movement	n/a
Banks Industry Average Movement	3.2%
Market Average Movement	4.9%
10% most volatile stocks in DE Market	12.2%
10% least volatile stocks in DE Market	2.5%

Stable Share Price: KDB's share price has been volatile over the past 3 months compared to the German market.

Volatility Over Time: Insufficient data to determine KDB's volatility change over the past year.

About the Company

Founded	Employees	CEO	Website
1935	35,176	Johan Thijs	www.kbc.com

KBC Group NV, together with its subsidiaries, provides banking, insurance, and asset management services primarily for retail, private banking, small and medium sized enterprises, and mid-cap clients in Belgium, Bulgaria, the Czech Republic, Hungary, and Slovakia. The company provides demand deposits, time deposits, and savings and current accounts; home and mortgage loans; home insurance; consumer finance and SME funding services, investment fund, and life and non-life insurance; and cash management, payments, trade finance, lease, money market, capital market products, corporate finance, factoring, and stockbroking services. It offers digital and mobile banking services, as well as engages in the credit institution, software, driving school/roadside assistance business.

KBC Group NV Fundamentals Summary

How do KBC Group's earnings and revenue compare to its market cap?
KDB fundamental statistics
Market cap	€40.53b
Earnings (TTM)	€3.46b
Revenue (TTM)	€11.31b

11.7x

P/E Ratio

1.5x

P/B Ratio

Is KDB overvalued?

See Fair Value and valuation analysis

Earnings & Revenue

Key profitability statistics from the latest earnings report (TTM)
KDB income statement (TTM)
Revenue	€11.31b
Cost of Revenue	€0
Gross Profit	€11.31b
Other Expenses	€7.85b
Earnings	€3.46b

Last Reported Earnings

Jun 30, 2025

Next Earnings Date

Nov 13, 2025

Earnings per share (EPS)	8.72
Gross Margin	100.00%
Net Profit Margin	30.59%
Debt/Equity Ratio	197.3%

How did KDB perform over the long term?

See historical performance and comparison

Dividends

4.1%

Current Dividend Yield

48%

Payout Ratio

Does KDB pay a reliable dividends?

See KDB dividend history and benchmarks

When do you need to buy KDB by to receive an upcoming dividend?
KBC Group dividend dates
Ex Dividend Date	Nov 05 2025
Dividend Pay Date	Nov 07 2025
Days until Ex dividend	31 days
Days until Dividend pay date	33 days

Does KDB pay a reliable dividends?

See KDB dividend history and benchmarks

Company Analysis and Financial Data Status

Data	Last Updated (UTC time)
Company Analysis	2025/10/04 15:07
End of Day Share Price	2025/10/02 00:00
Earnings	2025/06/30
Annual Earnings	2024/12/31

Data Sources

The data used in our company analysis is from S&P Global Market Intelligence LLC. The following data is used in our analysis model to generate this report. Data is normalised which can introduce a delay from the source being available.

Package	Data	Timeframe	Example US Source ^*
Company Financials	10 years	Income statement Cash flow statement Balance sheet	SEC Form 10-K SEC Form 10-Q
Analyst Consensus Estimates	+3 years	Forecast financials Analyst price targets	Analyst Research Reports Blue Matrix
Market Prices	30 years	Stock prices Dividends, Splits and Actions	ICE Market Data SEC Form S-1
Ownership	10 years	Top shareholders Insider trading	SEC Form 4 SEC Form 13D
Management	10 years	Leadership team Board of directors	SEC Form 10-K SEC Form DEF 14A
Key Developments	10 years	Company announcements	SEC Form 8-K

^* Example for US securities, for non-US equivalent regulatory forms and sources are used.

Unless specified all financial data is based on a yearly period but updated quarterly. This is known as Trailing Twelve Month (TTM) or Last Twelve Month (LTM) Data. Learn more.

Analysis Model and Snowflake

Details of the analysis model used to generate this report is available on our Github page, we also have guides on how to use our reports and tutorials on Youtube.

Learn about the world class team who designed and built the Simply Wall St analysis model.

Industry and Sector Metrics

Our industry and section metrics are calculated every 6 hours by Simply Wall St, details of our process are available on Github.

Analyst Sources

KBC Group NV is covered by 44 analysts. 13 of those analysts submitted the estimates of revenue or earnings used as inputs to our report. Analysts submissions are updated throughout the day.

Analyst	Institution
Cor Kluis	ABN AMRO Bank N.V.
Juan Lopez Cobo	Banco Santander
Flora Benhakoun Bocahut	Barclays

KBC Group NVXTRA:KDB Stock Report