KBC Group N.V.

KBC Group N.V.

111.65
EUR
-4.15
(-3.58%)
9.14EPS
13.01P/E
47.17BMarket Cap
Nov 12Next Earn
2013 Y
2014 Y
2015 Y
2016 Y
2017 Y
2018 Y
2019 Y
2020 Y
2021 Y
2022 Y
2023 Y
2024 Y
2025 Y
TTM
Revenue per Share
17.81
16.31
16.7
16.72
18.48
17.84
18.27
17.18
17.94
24.13
25.96
29.19
31.96
32.4
Basic EPS, GAAP
2.43
4.23
6.31
5.81
6.16
6.16
5.98
3.46
6.27
6.76
8.2
8.54
8.99
9.14
Free Cash Flow per Basic Share
30.24
9.49
23.66
41.01
28.38
-21.32
-8.76
60.98
31.45
23.67
-51.93
21.17
7.12
-24.82
Dividend per Share
2.3
0.09
2.53
1.12
2.8
3
3.5
- -
3.44
8.6
4.01
4.86
4.15
0.98
Book Value per Share
33.92
39.55
37.82
41.49
44.93
47.18
48.57
51.67
55.36
52.3
59.39
61.31
70.35
70.63
Tangible Book Value per Share
30.87
36.54
35.52
39.1
42.05
43.98
45.07
47.95
51.16
46.71
53.62
55.07
63.54
62.88
Basic Weighted Avg Shares
417
417
418
418
418
417
416
416
417
417
415
400
397
406
Sales/Revenue/Turnover
7,426
6,802
6,979
6,989
7,725
7,440
7,601
7,148
7,481
10,062
10,772
11,674
12,690
13,167
Operating Margin (%)
23.08
35.59
36.31
44.2
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
Depreciation Expense
508
213
698
341
340
414
418
586
477
532
650
461
494
583
Net Income, GAAP
1,015
1,762
2,639
2,427
2,575
2,570
2,489
1,440
2,614
2,818
3,402
3,415
3,568
3,714
Effective Tax Rate (%)
39.7
27.15
- -
21.42
29.81
22.36
20.12
22.04
23.52
19.21
18.62
13.37
22.05
22.94
Profit Margin (%)
13.67
25.9
37.81
34.73
33.33
34.54
32.75
20.15
34.94
28.01
31.58
29.25
28.12
28.21
Working Capital
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
LT Debt
25,107
18,562
17,644
17,018
16,705
17,189
18,430
18,921
20,090
18,981
26,206
27,963
27,338
29,561
Total Equity
14,513
16,521
15,811
17,357
18,803
19,632
20,222
21,531
23,078
21,819
24,261
24,313
27,986
28,147
Return on Invested Capital (%)
2.19
5.02
- -
7.31
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
Return on Capital (%)
2.51
4.72
- -
7.16
7.37
7.11
6.6
3.64
6.25
6.71
7.46
6.65
6.63
6.73
Return on Common Equity (%)
6.84
11.49
16.32
14.63
14.24
13.37
12.49
6.9
11.72
12.55
14.77
14.06
13.67
13.7

Capital Structure

EUR

•

in mil. unless spec.
Dec'25
Mar'26
Jun'26
ST Debt
- -
- -
- -
LT Borrowings
- -
- -
- -
LT Finance Leases
- -
- -
- -
Preferred Equity and Hybrid Capital
- -
- -
- -
Shares Outstanding
397
397
397
Market Capitalization
44,012
41,453
47,165

Working Capital

EUR

•

in mil. unless spec.
Dec'25
Mar'26
Jun'26
Total Current Assets
- -
- -
- -
Cash, Cash Equivalents & STI
34,005
22,712
23,996
Accounts Receivable, Net
- -
- -
- -
Inventories
- -
- -
- -
Total Current Liabilities
- -
- -
- -
Payables & Accruals
- -
- -
- -
ST Debt
- -
- -
- -
Deferred Revenue
- -
- -
- -

Growth Rates

EUR

•

in mil. unless spec.

(avg. rate of change)

10 years
5 years
1 year
Total Equity
6.02%
5.65%
15.11%
Free Cash Flow
-158.43%
-119.45%
-66.63%
Net Income, GAAP
6.75%
22.98%
4.48%
Sales/Revenue/Turnover
6.65%
12.66%
8.7%
Total Cash Common Dividend
- -
- -
-15.24%

Quarterly Revenue

EUR

•

in mil. unless spec.

Year

Q1
Q2
Q3
Q4
FY
2024
2,693
2,800
2,781
2,878
11,674
2025
3,030
3,155
3,031
3,200
12,690
2026
3,343
3,593
- -
- -
- -

Quarterly Earnings Per Share

EUR

•

in mil. unless spec.

Year

Q1
Q2
Q3
Q4
FY
2024
1.25
2.25
2.14
2.75
8.54
2025
1.38
2.5
2.44
2.44
8.99
2026
1.4
2.83
- -
- -
- -

Quarterly Dividends Per Share

EUR

•

in mil. unless spec.

Year

Q1
Q2
Q3
Q4
FY
2024
- -
- -
- -
0.98
4.86
2025
- -
- -
- -
0.97
4.15
2026
- -
- -
- -
- -
- -

Company Description

CEO
Johan Thijs
Full Time Employees
37,493
Sector
Finance
Industry
Regional banks
Address
Havenlaan 2 Brussels BU Belgium 1080
IPO Date
May 21, 1992
Website
kbc.com
Business
KBC Group NV (KBC.BR) is a Belgian integrated bank-insurance group offering a broad range of retail and commercial banking services; insurance products including life, non-life, health, and reinsurance; asset management; investment banking; and payment services. Core offerings encompass savings and deposit accounts, mortgages, personal and business loans, credit cards, leasing and factoring, life and health insurance policies under brands such as Fidea and Corona; non-life insurance covering property, casualty, and motor; pension and retirement solutions; and wealth management services including mutual funds, private banking, and sustainable investment products. The group operates primarily in Belgium through KBC Bank and KBC Insurance; in the Czech Republic via CSOB; in Slovakia, Hungary, and Bulgaria through local subsidiaries; and maintains a presence in other Central and Eastern European countries, with headquarters in Brussels, Belgium, where it was founded in 1996 through the merger of Kredietbank, BBV and Cera. KBC Group targets individual retail customers, small and medium-sized enterprises, corporates, and institutional investors across its core markets. In recent developments, the group completed the acquisition of the remaining stake in Czech insurer NN Czech Republic in 2024, strengthening its bancassurance model in Central Europe; announced a strategic partnership with Microsoft in early 2025 to enhance AI-driven customer services and digital banking platforms; launched new sustainable finance products including green bonds and ESG-linked loans in response to EU regulatory shifts; and reported a EUR 1.2 billion share buyback program in mid-2025 amid robust profitability.

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