A105560 Stock Overview
KB Financial Group Inc. provides a range of banking and related financial services to consumers and corporations in South Korea and internationally.
No risks detected for A105560 from our risk checks.
KB Financial Group Competitors
Price History & Performance
|Historical stock prices|
|Current Share Price||₩58,000.00|
|52 Week High||₩66,400.00|
|52 Week Low||₩50,100.00|
|1 Month Change||-2.69%|
|3 Month Change||-10.91%|
|1 Year Change||-1.36%|
|3 Year Change||25.54%|
|5 Year Change||9.02%|
|Change since IPO||34.26%|
Recent News & Updates
|A105560||KR Banks||KR Market|
Return vs Industry: A105560 underperformed the KR Banks industry which returned 4.1% over the past year.
Return vs Market: A105560 exceeded the KR Market which returned -15.8% over the past year.
|A105560 Average Weekly Movement||4.1%|
|Banks Industry Average Movement||3.6%|
|Market Average Movement||5.5%|
|10% most volatile stocks in KR Market||10.3%|
|10% least volatile stocks in KR Market||3.2%|
Stable Share Price: A105560 is less volatile than 75% of KR stocks over the past 3 months, typically moving +/- 4% a week.
Volatility Over Time: A105560's weekly volatility (4%) has been stable over the past year.
About the Company
KB Financial Group Inc. provides a range of banking and related financial services to consumers and corporations in South Korea and internationally. The company operates through Corporate Banking, Retail Banking, Other Banking Services, Securities Business, Non-life Insurance Business, Credit Card Business, and Life Insurance Business segments. It offers loans, deposit products, and other related financial products and services to large, small, and medium-sized enterprises, as well as small and home office, and individuals and households; investment banking, and brokerage and supporting services; life insurance products; non-life insurance products; and credit sale, cash service, card loan, and other supporting services.
KB Financial Group Fundamentals Summary
|A105560 fundamental statistics|
Is A105560 overvalued?See Fair Value and valuation analysis
Earnings & Revenue
|A105560 income statement (TTM)|
|Cost of Revenue||₩0|
Last Reported Earnings
Mar 31, 2022
Next Earnings Date
|Earnings per share (EPS)||11.82k|
|Net Profit Margin||34.32%|
How did A105560 perform over the long term?See historical performance and comparison
5.1%Current Dividend Yield
Is KB Financial Group undervalued compared to its fair value and its price relative to the market?
Valuation Score 3/6
Below Fair Value
Significantly Below Fair Value
PE vs Industry
PE vs Market
PB vs Industry
Undervalued compared to fair value
Share Price vs. Fair Value
Below Fair Value: A105560 (₩58000) is trading below our estimate of fair value (₩157501.64)
Significantly Below Fair Value: A105560 is trading below fair value by more than 20%.
Price To Earnings Ratio
PE vs Industry: A105560 is poor value based on its PE Ratio (4.9x) compared to the KR Banks industry average (4.4x).
PE vs Market: A105560 is good value based on its PE Ratio (4.9x) compared to the KR market (14.3x).
Price to Earnings Growth Ratio
PEG Ratio: A105560 is poor value based on its PEG Ratio (1.1x)
Price to Book Ratio
PB vs Industry: A105560's PB Ratio (0.5x) is in line with the KR Banks industry average.
How is KB Financial Group forecast to perform in the next 1 to 3 years based on estimates from 23 analysts?
Future Growth Score1/6
Future Growth Score 1/6
Earnings vs Savings Rate
Earnings vs Market
High Growth Earnings
Revenue vs Market
High Growth Revenue
Forecasted annual earnings growth
Earnings and Revenue Growth Forecasts
Analyst Future Growth Forecasts
Earnings vs Savings Rate: A105560's forecast earnings growth (4.6% per year) is above the savings rate (3.5%).
Earnings vs Market: A105560's earnings (4.6% per year) are forecast to grow slower than the KR market (15.2% per year).
High Growth Earnings: A105560's earnings are forecast to grow, but not significantly.
Revenue vs Market: A105560's revenue (3.9% per year) is forecast to grow slower than the KR market (9.6% per year).
High Growth Revenue: A105560's revenue (3.9% per year) is forecast to grow slower than 20% per year.
Earnings per Share Growth Forecasts
Future Return on Equity
Future ROE: A105560's Return on Equity is forecast to be low in 3 years time (9.6%).
How has KB Financial Group performed over the past 5 years?
Past Performance Score4/6
Past Performance Score 4/6
Growing Profit Margin
Earnings vs Industry
Historical annual earnings growth
Earnings and Revenue History
Quality Earnings: A105560 has high quality earnings.
Growing Profit Margin: A105560's current net profit margins (34.3%) are higher than last year (31.6%).
Past Earnings Growth Analysis
Earnings Trend: A105560's earnings have grown by 8.2% per year over the past 5 years.
Accelerating Growth: A105560's earnings growth over the past year (16.2%) exceeds its 5-year average (8.2% per year).
Earnings vs Industry: A105560 earnings growth over the past year (16.2%) underperformed the Banks industry 41.5%.
Return on Equity
High ROE: A105560's Return on Equity (9.5%) is considered low.
How is KB Financial Group's financial position? (This company is analysed differently as a bank or financial institution)
Financial Health Score5/6
Financial Health Score 5/6
Allowance for Bad Loans
Low Risk Liabilities
Low Risk Deposits
Level of Bad Loans
Financial Position Analysis
Debt to Equity History and Analysis
Financial Institutions Analysis
Asset Level: A105560's Assets to Equity ratio (14.1x) is moderate.
Allowance for Bad Loans: A105560 has a low allowance for bad loans (92%).
Low Risk Liabilities: 59% of A105560's liabilities are made up of primarily low risk sources of funding.
Loan Level: A105560 has an appropriate level of Loans to Assets ratio (63%).
Low Risk Deposits: A105560's Loans to Deposits ratio (114%) is appropriate.
Level of Bad Loans: A105560 has an appropriate level of bad loans (0.9%).
What is KB Financial Group current dividend yield, its reliability and sustainability?
Dividend Score 6/6
Future Dividend Coverage
Current Dividend Yield
Dividend Yield vs Market
Notable Dividend: A105560's dividend (5.07%) is higher than the bottom 25% of dividend payers in the KR market (0.84%).
High Dividend: A105560's dividend (5.07%) is in the top 25% of dividend payers in the KR market (2.73%)
Stability and Growth of Payments
Stable Dividend: A105560's dividends per share have been stable in the past 10 years.
Growing Dividend: A105560's dividend payments have increased over the past 10 years.
Current Payout to Shareholders
Earnings Coverage: With its reasonably low payout ratio (25.4%), A105560's dividend payments are well covered by earnings.
Future Payout to Shareholders
Future Dividend Coverage: A105560's dividends in 3 years are forecast to be well covered by earnings (28.9% payout ratio).
How experienced are the management team and are they aligned to shareholders interests?
Average management tenure
Jong-Kyoo Yoon (66 yo)
Dr. Jong-Kyoo Yoon has been CEO of KB Financial Group Inc. since November 21, 2014 and also has been its Co-Chairman since June 7, 2017. Dr. Yoon served as Chairman of KB Financial Group Inc. since Novembe...
CEO Compensation Analysis
Compensation vs Market: Jong-Kyoo's total compensation ($USD1.36M) is about average for companies of similar size in the KR market ($USD1.35M).
Compensation vs Earnings: Jong-Kyoo's compensation has been consistent with company performance over the past year.
Experienced Management: A105560's management team is not considered experienced ( 1.3 years average tenure), which suggests a new team.
Experienced Board: A105560's board of directors are considered experienced (3.2 years average tenure).
Who are the major shareholders and have insiders been buying or selling?
Insider Trading Volume
Insider Buying: Insufficient data to determine if insiders have bought more shares than they have sold in the past 3 months.
Dilution of Shares: Shareholders have not been meaningfully diluted in the past year.
KB Financial Group Inc.'s employee growth, exchange listings and data sources
- Name: KB Financial Group Inc.
- Ticker: A105560
- Exchange: KOSE
- Founded: 2008
- Industry: Diversified Banks
- Sector: Banks
- Implied Market Cap: ₩22.599t
- Shares outstanding: 389.63m
- Website: https://www.kbfg.com
Number of Employees
- KB Financial Group Inc.
- 26, Gukjegeumyung-ro 8-gil
- South Korea
Company Analysis and Financial Data Status
|Data||Last Updated (UTC time)|
|Company Analysis||2022/05/17 00:00|
|End of Day Share Price||2022/05/17 00:00|
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.