KB Financial Group Valuation

Is KBIA undervalued compared to its fair value, analyst forecasts and its price relative to the market?

Valuation Score

3/6

Valuation Score 3/6

  • Below Fair Value

  • Significantly Below Fair Value

  • Price-To-Earnings vs Peers

  • Price-To-Earnings vs Industry

  • Price-To-Earnings vs Fair Ratio

  • Analyst Forecast

Share Price vs Fair Value

What is the Fair Price of KBIA when looking at its future cash flows? For this estimate we use a Discounted Cash Flow model.

Below Fair Value: KBIA (€65.5) is trading below our estimate of fair value (€175.98)

Significantly Below Fair Value: KBIA is trading below fair value by more than 20%.


Key Valuation Metric

Which metric is best to use when looking at relative valuation for KBIA?

Key metric: As KBIA is profitable we use its Price-To-Earnings Ratio for relative valuation analysis.

The above table shows the Price to Earnings ratio for KBIA. This is calculated by dividing KBIA's market cap by their current earnings.
What is KBIA's PE Ratio?
PE Ratio8.1x
Earnings₩4.45t
Market Cap₩36.10t

Price to Earnings Ratio vs Peers

How does KBIA's PE Ratio compare to its peers?

The above table shows the PE ratio for KBIA vs its peers. Here we also display the market cap and forecasted growth for additional consideration.
CompanyForward PEEstimated GrowthMarket Cap
Peer Average7.4x
CBK Commerzbank
8.1x8.8%€17.3b
PCZ ProCredit Holding
4.4x12.2%€462.9m
MBK Merkur PrivatBank KgaA
10.3x8.6%€110.5m
601818 China Everbright Bank
6.8x9.5%CN¥199.5b
KBIA KB Financial Group
8.1x8.5%€36.1t

Price-To-Earnings vs Peers: KBIA is expensive based on its Price-To-Earnings Ratio (8.1x) compared to the peer average (7.4x).


Price to Earnings Ratio vs Industry

How does KBIA's PE Ratio compare vs other companies in the European Banks Industry?

2 CompaniesPrice / EarningsEstimated GrowthMarket Cap
KBIA 8.1xIndustry Avg. 7.3xNo. of Companies46PE0612182430+
2 CompaniesEstimated GrowthMarket Cap
No more companies

Price-To-Earnings vs Industry: KBIA is expensive based on its Price-To-Earnings Ratio (8.1x) compared to the European Banks industry average (7.3x).


Price to Earnings Ratio vs Fair Ratio

What is KBIA's PE Ratio compared to its Fair PE Ratio? This is the expected PE Ratio taking into account the company's forecast earnings growth, profit margins and other risk factors.

KBIA PE Ratio vs Fair Ratio.
Fair Ratio
Current PE Ratio8.1x
Fair PE Ratio12.1x

Price-To-Earnings vs Fair Ratio: KBIA is good value based on its Price-To-Earnings Ratio (8.1x) compared to the estimated Fair Price-To-Earnings Ratio (12.1x).


Analyst Price Targets

What is the analyst 12-month forecast and do we have any statistical confidence in the consensus price target?

Analyst Forecast: Insufficient data to show price forecast.


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