KB Financial Group Inc. (KB) — Fundamental Analysis & Key Financial Ratios

Kaplio overview: KB Financial Group Inc.

Market cap $41B · 52 weeks $81 – $133 (13 % below the high) · P/E 8.9× · 2027 expected P/E 7.9× · Dividend 5.4 % · Next earnings October 29, 2026 · expected EPS $3.66 · Closing price, Oct 28 · accounts published Jul 23.

• Valuation: P/B 0.9× (justified).
• Business: ROTCE 9.5 % (weak).
• Earnings: 5 of 8 (uneven).

What would it be worth at its usual multiples?

At a P/B justified by its ROTCE del 9,5 % (1.3×) $166 (+44 %); at its peers' median (1.4×) $182 (+58 %). Implied price from applying the reference multiples to today's earnings (or book value, or FFO) per share. Not a fair value: it is where the stock would trade at its usual multiples.

What matters in banking: 2 of 4 pass

• ROA 0.7 %, fails.
• ROTCE 9.5 %, fails.
• P/B (Price / Book) 0.9×, passes.
• Sustainable dividend yield 5.4 %, passes.

Against its peers (reference peers) — KB Financial Group Inc.: P/E 8.9×; P/B 0.9×; ROE 10.7 %; $40.8B. Banco Bradesco S.A. (P/E 5.5×; P/B 0.7×; ROE 14.2 %; $42.0B), Fifth Third Bancorp (P/E 18.3×; P/B 1.5×; ROE 8.3 %; $48.5B), Banco Santander (Brasil) S.A. (P/E 24.9×; P/B 1.4×; ROE 11.8 %; $34.0B).

Expensive or cheap against its last ten fiscal years?

Precio / valor contable at each close: today 0.9× · median 0.0× · minimum 0.0× · maximum 1.0× · cheap below 0.0× · expensive above 0.0×. It has been cheaper than today 97% of the time over its last ten fiscal years.

Dividend

tight (only raised recently) · Yield 5.4 % ($2.57 per ADS in 2025) · 5-year growth +9 % a year · Free cash flow coverage payout 22 % · With $1,000 invested today you'd collect $53.90 a year ($4.49 a month).