profit from every $100 of sales.
$0$100
KB Financial Group
$117.42+3.55% today
+31.3% in 1 year
1-year low $81.361-year high $132.88
Trading in the middle of its range for the past year.
The essentials
Four questions every investor asks, answered in one line each.
more sales each year, on average, 2022 to 2025.
0%20% a year
You pay $9.33 for every $1 of profit it makes in a year.
CheapExpensive
Not measured for banks and insurers: deposits and policy reserves count as debt, so the usual debt test says nothing about them.
Money in, money out
What KB Financial Group sold, what it kept, and what it did with the cash.
Sales went from ₩16.4 trillion in 2022 to ₩21.2 trillion in 2025, with ₩5.83 trillion of profit last year.
SalesProfit
KB Financial Group handed back 76% of the cash it generated last year.
Buybacks ₩1.48T₩1.30T
Free cash flow 2025₩3.67T
Bought back its own shares₩1.48T
Paid as dividends₩1.30T
Cash vs. debt₩35.65T vs. ₩131.45T
KB Financial Group vs. similar companies
KB Financial Group grows in the middle of these 5 and is priced in the middle for its profits.
| Company | Profit from $100 of sales | Sales growth a year | Price per $1 of profit |
|---|---|---|---|
| KB Financial Group | 9.3× · Cheap | ||
 China Merchants Bank | 7.7× · Cheap | ||
 DBS Group Holdings | 18.2× · Fair price | ||
 UniCredit | 11.5× · Cheap | ||
 HDFC Bank | 18.6× · Fair price |
AI analysis
An AI analyst reads KB Financial Group's last five years, its segments, earnings, insiders and peers, and writes the bull case, the bear case and what the price expects.
Run the AI analysisFull statementsIncome, balance sheet and cash flow, year by year
Income statement
| In millions of KRW | 2022 | 2023 | 2024 | 2025 |
|---|---|---|---|---|
| 16,407,836 | 19,450,646 | 20,104,320 | 21,231,552 | |
| – | – | – | – | |
| – | – | – | – | |
| – | – | – | – | |
| 4,112,493 | 4,594,835 | 5,078,221 | 5,833,162 | |
| 10,705.00 | 11,312.00 | 12,726.00 | 15,261.00 | |
| – | – | – | – | |
| – | – | – | – | |
| 25.1% | 23.6% | 25.3% | 27.5% |
Balance sheet
| In millions of KRW | 2022 | 2023 | 2024 | 2025 |
|---|---|---|---|---|
| Total assets | 688,653,482 | 715,725,416 | 757,845,532 | 797,923,033 |
| Cash | 32,474,750 | 30,787,443 | 30,792,747 | 35,649,807 |
| Total debt | 140,415,569 | 121,388,997 | 127,967,864 | 131,448,900 |
| Total liabilities | 634,850,225 | 657,089,226 | 698,030,351 | 737,093,044 |
| 52,523,155 | 56,692,684 | 57,888,952 | 59,048,211 | |
| 411 | 393 | 383 | 369 | |
| – | – | – | – | |
| 7.8% | 8.1% | 8.8% | 9.9% |
Cash flow
| In millions of KRW | 2022 | 2023 | 2024 | 2025 |
|---|---|---|---|---|
| 4,760,492 | 4,108,816 | 4,020,186 | 4,226,378 | |
| 497,472 | 680,565 | 626,909 | 554,969 | |
| 4,263,020 | 3,428,251 | 3,393,277 | 3,671,409 | |
| Dividends paid | 1,437,750 | 1,151,900 | 1,486,978 | 1,302,291 |
| 0 | 571,745 | 820,000 | 1,480,000 | |
| 58,275 | 69,703 | 140,453 | 153,882 |
This is a bank or insurer, so cash-flow and debt ratios are left out: borrowing and lending is the business itself. Price to book and return on equity are the measures that matter here.
Valuation
- 9.3×
- 0.0×
- 0.74
- 0.9×
- 2.6×
- 10.7%
- 2.4%
Profitability
- 27.5%
- 0.7%
- 3.8%
- 10.5%
- 0.7%
Growth
- +9.0%
- +12.5%
- +9.9%
- −4.4%
How it ranks in Financial Services
Each dot is where the company stands among every company over $300M in the sector. Further right is better.
Bottom 19%of 758
Bottom 35%of 605
Top 27%of 883
Bottom 49%of 880
Top 39%of 927
Recent earnings
Our results feed has not updated since May 21, 2026. Results reported after that are not in this table yet.
| Date | EPS | Expected | Surprise |
|---|---|---|---|
| Apr 23, 2026 | 3.49 | 3.48 | +0.3% |
| Mar 6, 2026 | 1.28 | 1.09 | +17.4% |
| Nov 14, 2025 | 3.21 | 3.12 | +2.9% |
| Jul 24, 2025 | 3.16 | 3.19 | −0.9% |
| Apr 24, 2025 | 3.02 | 3.04 | −0.7% |
| Feb 5, 2025 | 1.21 | 1.22 | −0.8% |
| Oct 23, 2024 | 3.02 | 2.65 | +14.0% |
| Aug 14, 2024 | 3.06 | 2.70 | +13.3% |
2.4%of the share price, paid each year
On $1,000 invested$24a year at today's yield, before tax
+9.9%2020 to 2025
Raised–not every year
Paid per share, each year
$0.85 in 2015 → $2.51 in 2025
How safe it looks
22.3% of its profit
Room to growStretchedMore than it earns: 35.5%
News
ArrowMark Financial declares $0.15 dividendSeeking Alpha · Nov 14, 2026Sagicor Financial declares $0.075 dividendSeeking Alpha · Nov 14, 2026‘She has a history of financial mismanagement’: My brother cut our sister out of his will. I’ll get everything. Do I tell her?MarketWatch · Nov 13, 2026Sumitomo Mitsui Financial GAAP EPS of ¥232.59, total operating income of ¥1.43BSeeking Alpha · Nov 13, 2026Huang's exit, AI bubble and financial crisis fears in focus on Web Summit's last dayYahoo Finance · Nov 13, 2026Insider trades
Our insider feed has not updated since May 26, 2026. Trades filed after that are not listed yet.
No insider trades on file.
The seven classic investing rulebooks
3/7Passes 3 of 7. Each bar is how well the company fits that investor's published rules, from 0 to 100; 60 or more counts as a pass.
Warren Buffett
47No pass
Benjamin Graham
68Pass
Philip Fisher
64Pass
Peter Lynch
62Pass
Joel Greenblatt
24No pass
Charlie Munger
43No pass
Terry Smith
35No pass
Questions about KB Financial Group
Is KB Financial Group a good stock to buy?
A strong, very profitable business, and the price looks low. 3 of the 7 famous investors' published rulebooks we apply pass it. Whether it suits you depends on your goals and the price you pay; invest-like never tells anyone to buy or sell. The AI analysis lays out the case for and against. Read the KB Financial Group AI analysis
What does KB Financial Group do?
KB Financial Group Inc. provides financial products and services in South Korea, the United States, New Zealand, China, Cambodia, the United Kingdom, Indonesia, and internationally. It is in Banks - Regional, based in Seoul, South Korea.
Does KB Financial Group pay a dividend?
Yes. At today's price the dividend is 2.4% a year, about 22% of its yearly profit. In 2025 it paid out $1.30 trillion in dividends.
Is KB Financial Group stock halal?
No. KB Financial Group does not pass our halal screen: its main business, banking, is not permitted. How we check
How has KB Financial Group stock done over the past year?
Up 31.3% over the past twelve months, to $117.42. It traded between $81.36 and $132.88 and is 11.6% below its high.
Who are KB Financial Group's competitors?
The largest listed companies in the same industry are China Merchants Bank, DBS Group Holdings, UniCredit and HDFC Bank. The peers table on this page compares their profit, growth and price with KB Financial Group's.
Prices: daily closes to Nov 13, 2026. Fundamentals: company reports via invest-like data.