KB Financial Group Inc.

DB:KBIA Stock Report

Market Cap: €21.3b

KB Financial Group Past Earnings Performance

Past criteria checks 2/6

KB Financial Group has been growing earnings at an average annual rate of 6.4%, while the Banks industry saw earnings growing at 18% annually. Revenues have been declining at an average rate of 5.4% per year. KB Financial Group's return on equity is 7.6%, and it has net margins of 31.6%.

Key information

6.4%

Earnings growth rate

6.8%

EPS growth rate

Banks Industry Growth10.6%
Revenue growth rate-5.4%
Return on equity7.6%
Net Margin31.6%
Last Earnings Update30 Sep 2024

Recent past performance updates

Recent updates

Revenue & Expenses Breakdown

How KB Financial Group makes and spends money. Based on latest reported earnings, on an LTM basis.

Earnings and Revenue History

DB:KBIA Revenue, expenses and earnings (KRW Millions)
DateRevenueEarningsG+A ExpensesR&D Expenses
30 Sep 2414,109,4234,452,4726,486,1630
30 Jun 2413,612,2624,208,9806,407,0130
31 Mar 2413,361,8863,980,0766,397,3630
31 Dec 2313,084,5154,447,0176,343,4190
30 Sep 2313,270,7944,313,6746,481,6800
30 Jun 2313,032,6804,326,1006,474,9370
31 Mar 2312,402,5324,056,5556,416,7070
31 Dec 2212,088,0064,026,5906,388,9050
30 Sep 2212,713,3744,569,6156,416,5210
30 Jun 2212,892,6904,514,6986,535,2490
31 Mar 2213,220,3644,519,7426,692,9280
31 Dec 2113,298,4704,338,0066,879,2520
30 Sep 2113,332,8364,289,0486,976,8390
30 Jun 2136,379,5874,183,8166,893,7010
31 Mar 2136,013,1613,975,6936,816,4500
31 Dec 2035,041,5843,445,5896,554,7410
30 Sep 2011,083,8953,395,6636,210,4270
30 Jun 2010,771,1003,172,8916,069,2280
31 Mar 2010,618,9073,185,8615,974,2910
31 Dec 1910,790,4493,305,3166,032,3470
30 Sep 1910,431,5812,966,3116,079,2190
30 Jun 1910,385,5152,983,0525,956,2410
31 Mar 1910,272,1142,938,6115,818,0340
31 Dec 1810,332,8163,061,1915,703,8290
30 Sep 1810,752,9093,422,5045,681,2990
30 Jun 1810,576,9223,366,2395,664,2000
31 Mar 1810,305,4983,409,5695,648,4250
31 Dec 179,628,9123,311,4385,432,6990
30 Sep 178,749,2863,211,6174,822,8790
30 Jun 177,983,3352,878,5594,530,4000
31 Mar 177,237,0662,468,8414,290,7940
31 Dec 166,904,4932,143,7444,190,3840
30 Sep 166,556,1152,036,9384,067,3800
30 Jun 166,379,8451,886,9914,066,6580
31 Mar 166,452,5071,638,3574,365,1140
31 Dec 156,344,1041,698,3184,381,3120
30 Sep 156,321,7871,554,1684,331,3720
30 Jun 156,338,8451,585,9634,305,7250
31 Mar 156,106,8771,646,4533,953,4160
31 Dec 145,968,0111,400,7223,859,2510
30 Sep 146,048,8821,467,7053,852,5130
30 Jun 146,033,7411,447,9773,830,4670
31 Mar 145,966,4441,219,2783,837,5510
31 Dec 136,010,4471,271,5023,842,2900

Quality Earnings: KBIA has high quality earnings.

Growing Profit Margin: KBIA's current net profit margins (31.6%) are lower than last year (32.5%).

Free Cash Flow vs Earnings Analysis

Past Earnings Growth Analysis

Earnings Trend: KBIA's earnings have grown by 6.4% per year over the past 5 years.

Accelerating Growth: KBIA's earnings growth over the past year (3.2%) is below its 5-year average (6.4% per year).

Earnings vs Industry: KBIA earnings growth over the past year (3.2%) did not outperform the Banks industry 12.6%.

Return on Equity

High ROE: KBIA's Return on Equity (7.6%) is considered low.

Return on Assets

Return on Capital Employed

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Company Analysis and Financial Data Status

DataLast Updated (UTC time)
Company Analysis2024/12/23 04:59
End of Day Share Price 2024/12/20 00:00
Earnings2024/09/30
Annual Earnings2023/12/31

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.

PackageDataTimeframeExample US Source *
Company Financials10 years
  • Income statement
  • Cash flow statement
  • Balance sheet
Analyst Consensus Estimates+3 years
  • Forecast financials
  • Analyst price targets
Market Prices30 years
  • Stock prices
  • Dividends, Splits and Actions
Ownership10 years
  • Top shareholders
  • Insider trading
Management10 years
  • Leadership team
  • Board of directors
Key Developments10 years
  • Company announcements

* 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 here.

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 .

Analyst Sources

KB Financial Group Inc. is covered by 46 analysts. 20 of those analysts submitted the estimates of revenue or earnings used as inputs to our report. Analysts submissions are updated throughout the day.

AnalystInstitution
Sunmok HaBarclays
Michelle ChoBNP Paribas Securities (Asia)
Jeehoon ParkBofA Global Research