1. South Korea Stocks

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    Financial Services

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    Banks - Regional
KB Financial Group Inc.

KB Financial Group Inc.

105560.KS
KB Financial Group Inc.KR flagKorea Exchange
184,400.00
KRW
+13,000.00
- -
65.40TMarket Cap
KB Financial Group Inc.
105560.KS
(Korea Exchange)

Recent

price

184,400.00

P/E

ratio

- -

div

yld

- -

ROIC.AI

2010
2011
2012
2013
2014
2015
2016
2017
2018
2019
2020
2021
2022
2023
2024
2025
TTM
FRC
28,908.49
32,780.39
28,193.52
25,743.22
24,798.19
21,889.5
22,373.28
28,751.91
31,515.18
33,781.24
38,628.36
43,613.45
42,110.86
50,648.85
53,078.61
58,105.41
60,356.43
Revenue per Share
427.37
7,011.58
4,580.2
3,291.46
3,625.51
4,470.81
5,587.99
8,305.07
7,720.53
8,465.84
8,901.8
11,317.13
10,554.75
11,964.8
13,407.31
15,963.9
16,634.44
Basic EPS, GAAP
41,822.63
-12,752.38
19,204.06
-16,999.8
7,878.79
4,949.62
1,606.29
-13,157.66
-24,050.57
21,625.49
-23,146.56
-6,425.77
10,941.08
8,927.05
8,958.79
10,047.72
6,355.77
Free Cash Flow per Basic Share
230
120
720
600.07
500
780
986.94
1,248.9
1,933.74
1,942.4
2,210
2,520
3,690
2,999.51
3,925.86
3,564.04
1,847.88
Dividend per Share
35,066.06
20,349.06
22,651.97
25,346.27
28,468.63
32,084.41
37,326.66
42,973.89
48,860.03
55,735.97
63,216.13
73,163.78
79,514.25
88,600.4
97,418.65
110,631.12
133,789.87
Book Value per Share
47,151.47
66,183.95
63,642.69
66,111.38
69,945.99
73,601.06
79,787.16
78,003.06
83,120.42
93,016.02
102,791.82
122,112.51
133,316.76
147,606.75
152,729.25
162,071.76
164,323.83
Tangible Book Value per Share
343
343
386
386
386
386
384
399
396
391
390
390
390
384
379
365
362
Basic Weighted Avg Shares
9,916,451
11,244,623
10,892,613
9,944,700
9,580,823
8,457,044
8,583,158
11,464,103
12,495,766
13,212,915
15,050,934
16,993,299
16,407,836
19,450,646
20,104,320
21,231,552
21,873,060
Sales/Revenue/Turnover
0.19
- -
22.14
20.38
20.45
21.53
19.54
35.02
- -
- -
- -
- -
- -
- -
- -
- -
- -
Operating Margin (%)
347,834
342,656
328,320
286,858
261,197
257,457
289,438
550,343
623,634
976,890
1,048,777
1,006,688
878,841
865,927
916,295
914,686
906,437
Depreciation Expense
146,600
2,405,176
1,769,568
1,271,502
1,400,722
1,727,306
2,143,744
3,311,438
3,061,191
3,311,257
3,468,448
4,409,543
4,112,493
4,594,835
5,078,221
5,833,162
6,028,292
Net Income, GAAP
- -
25.55
22.62
29.78
25.58
20.21
16.68
19.21
28.82
26.93
26.45
27.91
27.88
26.04
28.01
28.63
28.79
Effective Tax Rate (%)
1.48
21.39
16.25
12.79
14.62
20.42
24.98
28.89
24.5
25.06
23.04
25.95
25.06
23.62
25.26
27.47
27.56
Profit Margin (%)
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
Working Capital
41,506,401
43,992,112
40,235,670
40,463,150
44,031,443
47,043,442
52,423,183
63,142,841
72,674,313
73,633,781
90,349,324
124,342,562
140,415,569
121,388,997
127,967,864
131,448,900
133,754,082
LT Debt
17,035,546
23,164,999
25,081,591
25,982,274
27,512,672
28,902,722
31,261,403
34,044,829
35,713,027
39,119,325
43,402,357
49,366,039
53,803,257
58,636,190
59,815,181
60,829,989
61,140,136
Total Equity
- -
- -
2.75
2.07
2.02
1.9
1.69
3.48
- -
- -
- -
- -
- -
- -
- -
- -
- -
Return on Invested Capital (%)
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
Return on Capital (%)
1.19
25.31
22.5
13.71
13.47
14.77
16.05
21.06
16.77
16.08
14.94
16.6
13.83
14.14
14.32
15.09
13.9
Return on Common Equity (%)

Capital Structure

FRC

•

in mil. unless spec.
Sep'25
Dec'25
Mar'26
ST Debt
- -
- -
- -
LT Borrowings
127,092,086
130,547,787
133,754,082
LT Finance Leases
- -
901,113
- -
Preferred Equity and Hybrid Capital
- -
- -
- -
Shares Outstanding
364
359
355
Market Capitalization
42,406,590
45,784,431
51,424,304

Working Capital

FRC

•

in mil. unless spec.
Sep'25
Dec'25
Mar'26
Total Current Assets
- -
- -
- -
Cash, Cash Equivalents & STI
121,551,129
135,569,292
130,448,080
Accounts Receivable, Net
- -
- -
- -
Inventories
- -
- -
- -
Total Current Liabilities
- -
- -
- -
Payables & Accruals
748,196
39,260,439
792,071
ST Debt
- -
- -
- -
Deferred Revenue
- -
- -
- -

Growth Rates

FRC

•

in mil. unless spec.

(avg. rate of change)

10 years
5 years
1 year
Total Equity
7.79%
7.08%
1.7%
Free Cash Flow
-168.76%
-70.98%
8.2%
Net Income, GAAP
14.14%
11.5%
14.87%
Sales/Revenue/Turnover
10.07%
7.39%
5.61%
Total Cash Common Dividend
18.08%
11.45%
-12.42%

Quarterly Revenue

FRC

•

in mil. unless spec.

Year

Q1
Q2
Q3
Q4
FY
2024
5,208,819
5,172,352
5,119,268
4,774,115
20,104,320
2025
5,320,913
5,412,457
5,036,164
5,663,373
21,231,552
2026
5,761,066
- -
- -
- -
- -

Quarterly Earnings Per Share

FRC

•

in mil. unless spec.

Year

Q1
Q2
Q3
Q4
FY
2024
2,734.1
4,555.13
4,275.01
- -
13,407.31
2025
4,562.51
4,750.01
4,638.57
- -
15,963.9
2026
5,290.04
- -
- -
- -
- -

Quarterly Dividends Per Share

FRC

•

in mil. unless spec.

Year

Q1
Q2
Q3
Q4
FY
2024
- -
- -
791.81
- -
3,925.86
2025
- -
- -
920.68
- -
3,564.04
2026
- -
- -
- -
- -
- -
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Business
KB Financial Group Inc. is a leading South Korean financial services holding company that provides a comprehensive range of financial products and services primarily through its 13 subsidiaries. These subsidiaries include KB Kookmin Bank, KB Securities, KB Insurance, KB Kookmin Card, Prudential Life Insurance, KB Asset Management, KB Capital, KB Life Insurance, KB Real Estate Trust, KB Savings Bank, KB Investment, KB Data Systems, and KB Credit Information. The Group's core offerings span retail banking, corporate and investment banking, wealth management and pensions, insurance (life and non-life), credit cards, securities brokerage, asset management, capital financing, real estate trust services, and digital financial services. KB Financial Group serves a broad customer base in South Korea and has expanded internationally with operations extending into Southeast Asia, including Cambodia, Indonesia, Vietnam, and Myanmar. Founded in 2008 through the restructuring of KB Kookmin Bank, KB Financial Group leverages a wide distribution network and a strong brand presence in the Korean financial market. Recent company developments include the full acquisition of Cambodia's largest microfinance institution, PRASAC Microfinance, solidifying its footprint in Cambodia’s micro-lending sector. The Group has also actively expanded its presence in Indonesia through strategic acquisition interests in installment financing and fintech, including a stake in PT KB Bukopin Finance and an investment in the fintech company Aizen, aimed at expanding digital finance and mobility solutions in the Southeast Asian region. Furthermore, KB Financial Group has pursued strategic integration moves such as merging its life insurance subsidiaries, KB Life Insurance and Prudential Life Insurance of Korea, to consolidate and strengthen its life insurance business segment. The Group continues to emphasize digital transformation and innovation alongside its broad financial product portfolio to meet evolving customer needs and growth objectives. Overall, KB Financial Group operates across multiple financial segments including retail banking, capital markets, insurance, asset management, and digital finance, supported by a diverse subsidiary network that enables it to deliver integrated financial solutions domestically and in key international markets. The Group’s headquarters is located in Seoul, South Korea. Its business strategy focuses on leveraging synergy among its subsidiaries, expanding in high-growth Southeast Asian markets, and embracing digital technologies to enhance service delivery and operational efficiency. These efforts align with its mission to provide financial services that enable lasting value and client growth in a dynamic global financial environment.