QualityDipStocks / Finance · Commercial Banks
KB Financial Group KB
Outside our quality screen, so we don’t track its dips. It’s 15% below its 52-week high.
Outside our quality screen, trading near our fair value estimate.
- Fair value est.
- $118.71+5%
- Market Value
- —
- Off 52-wk high
- −15%
- Risk vs market
- Above marketbeta 1.47
3 bullish · 2 bearish See why
Key levels
Every level vs today’s $112.70
- 52-wk lowlowest close, 1 year$81.07−28.1%
- PriceFri Oct 30 close$112.70you are here
- Fair value est.base case$118.71+5.3%
- 52-wk highhighest close, 1 year$132.88+17.9%
Fair value estimate
How the range is computed
Financials model (residual income). Same residual-income model as the base: cost of equity 9.5% ±1 point and return on equity 9.2% ±2 points. Bear = 10.5% and 7.2%; bull = 8.5% and 11.2%. A model estimate from public filings, not a forecast of where the price will go.
Price sits inside the range.
What the price implies To be worth today’s price, KB would need a return on equity of about 9% a year; our estimate uses 9%.
Risk vs market
How risk vs market is measured
One year of daily returns (Oct 30 to Oct 30, 252 sessions). Beta = how much KB moved for each 1% move in the S&P 500 (SPY); 1.0 moves with the market. Volatility is the yearly standard deviation of daily returns. Past behavior, not a forecast.
Swings more than the market, and its own price swings are 2.9× the S&P 500’s.
- Beta vs S&P 500
- 1.47
- Volatility
- 37% vs 13% SPY
- Correlation SPY
- 0.51
- Correlation QQQ
- 0.42
Bull vs bear
Rule-based from the data on this page, strongest first. Not advice.
Top bullish points 3 of 5
ValuationP/E of 9.3× vs a 13.5× median for the 151 Finance companies we cover.
Cash returnsDividend yield of 2.8% ($1.1B paid over 12 months, 26% of earnings).
GrowthDiluted EPS grew 20% in the last fiscal year, above the 17% median for the 137 Finance companies we cover.
Top bearish points 2 of 5
QualityDoesn’t pass our quality screen: ROE under 12% and ROIC under 10%.
RiskReports earnings Nov 13 (consensus EPS $3.94): results can move the price sharply and reset Market Value.
Who’s talking about it
Notable investors, executives, analysts and public figures on KB Financial Group in the last 48 hours. Headlines as published, each linked. Their words, not ours.
No notable mentions in the last 48 hours. Checked Nov 1, 9:09 PM ET.
Compare with peers
Closest in size in Commercial Banks
All fundamentals
P/E 9.3
Valuation
- P/E
- 9.3×Finance median 13.5×
- Price / FCF
- n/acash flow isn't a clean measure for a bank
- FCF yield
- n/acash flow isn't a clean measure for a bank
- EV / EBITDA
- n/anot meaningful for a bank
- Price / sales
- n/anot reported in its SEC filings
- Price / book
- n/anot reported in its SEC filings
- Market cap
- $40.4Bprice × diluted shares
- Enterprise value
- n/anot reported in its SEC filings
Growth
- Revenue, 12 months
- n/anot reported in its SEC filings
- Sales growth, 12 months
- n/ano year-ago 12-month revenue
- Sales growth, 3 yrs
- n/anot reported in its SEC filings
- Diluted EPS, 12 months
- $15261.00
- EPS growth, last FY
- +19.9%
- Net income, 12 months
- $4.3B
- Net income growth
- +15%12 months vs before
Profitability
- Gross margin
- n/anot meaningful for a bank
- Operating margin
- n/anot reported in its SEC filings
- Net margin
- n/anot reported in its SEC filings
- FCF margin
- n/anot reported in its SEC filings
- Return on equity
- n/anot reported in its SEC filings
- Return on invested capital
- n/anot meaningful for a bank
Balance sheet
- Cash & short-term inv.
- n/anot reported in its SEC filings
- Total debt
- n/anot reported in its SEC filings
- Net cash
- n/anot meaningful for a bank
- Debt / equity
- n/adeposits/float make debt/equity not comparable for a bank
- Interest coverage
- n/anot meaningful for a bank
Cash flow & returns
- Free cash flow, 12 months
- $2.9B
- FCF growth, 12 months
- +6%
- Dividend yield
- 2.78%$1.1B paid
- Payout ratio
- 26%
- Buybacks, 12 months
- $1.1B2.7% of market cap
- Share count, 1 year
- n/ano quarterly diluted share count
- Stock-based comp
- n/anot reported in its SEC filings
Trailing 12 months to Dec 31, 2025. From KB Financial Group’s SEC filings, reported in KRW and converted to US dollars. Sparklines show up to six fiscal years. n/a means we don’t hold that number, with the reason. How each is computed.
Valuation details
DCF $118.71
Financials model (residual income): book value $122.79 a share on Dec 31, 2025, converted from KRW at 0.0007457, plus the earnings above a 9.5% cost of equity. ROE 9.2%, the average of 9.6% for the fiscal year to Dec 31, 2025 and 8.8% over fiscal 2021–2025, on average common equity; payout 47% of earnings (dividends 23% + net buybacks 24%), so book grows by the retained rest; the return above 9.5% fades halfway toward 9.5% over 10 years, then grows at 3% (terminal value). From the 20-F filed Apr 28, 2026.
Setup & signals
No setup armed
No setup armed, so there’s no trigger or stop to track yet. Reversal signal rules only run on companies that pass our quality screen.
Momentum & 52-week range
RSI 34 · 5 days −1.8%
The business
FCF $5,905.3B · Sales +13%
- Free cash flow, 12 months$5,905.3B
- Free-cash-flow yield14545.0%
- Return on equity10%
- Sales growth (latest quarter vs year-ago quarter)+13%
Next report
Nov 13
- DateFri Nov 13
- Consensus EPS$3.94
- Year-ago EPS$3.21
- QuarterSep/2026
From Nasdaq’s earnings calendar. A report resets Market Value.
Information only, not investment advice. Fair value estimates and talking points are rule-based model output from public data and can be wrong; stop levels are reference points, not orders. How every number is computed.
KB is outside our quality screen
One text when a published rule fires on one of the 333 quality companies we track: the ticker, the price, the stop and a link to the numbers. Nothing else.