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Upturn AI SWOT - About
KB 
KB Financial Group Inc (KB)
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Upturn Advisory Summary
08/29/2025: KB (1-star) is currently NOT-A-BUY. Pass it for now.
Upturn Star Rating
Not Recommended Performance
These Stocks/ETFs, based on Upturn Advisory, consistently fall short of market performance, signaling caution before investing.
Number of Analysts
1 Analysts rated it
Very few follow this stock; limited insights, higher-risk early investing.
1 Year Target Price $104.26
1 Year Target Price $104.26
| 1 | Strong Buy |
| 0 | Buy |
| 0 | Hold |
| 0 | Sell |
| 0 | Strong Sell |
Analysis of Past Performance
Type Stock | Historic Profit 21.84% | Avg. Invested days 50 | Today’s Advisory PASS |
Upturn Star Rating | Upturn Advisory Performance  3.0 | Stock Returns Performance  3.0 |
| Profits based on simulation | Last Close 08/29/2025 |
Key Highlights
Company Size Large-Cap Stock | Market Capitalization 28.88B USD | Price to earnings Ratio 7.51 | 1Y Target Price 104.26 |
Price to earnings Ratio 7.51 | 1Y Target Price 104.26 | ||
Volume (30-day avg) 1 | Beta 0.62 | 52 Weeks Range 45.55 - 91.66 | Updated Date 08/29/2025 |
52 Weeks Range 45.55 - 91.66 | Updated Date 08/29/2025 | ||
Dividends yield (FY) 3.09% | Basic EPS (TTM) 10.56 |
Analyzing Revenue: Products, Geography and Growth
Revenue by Geography
Geography revenue - Year on Year
Earnings Date
Report Date - | When - | Estimate - | Actual - |
Profitability
Profit Margin 38.47% | Operating Margin (TTM) 54.94% |
Management Effectiveness
Return on Assets (TTM) 0.75% | Return on Equity (TTM) 9.45% |
Valuation
Trailing PE 7.51 | Forward PE 3.85 | Enterprise Value 33850914766848 | Price to Sales(TTM) - |
Enterprise Value 33850914766848 | Price to Sales(TTM) - | ||
Enterprise Value to Revenue 7.94 | Enterprise Value to EBITDA - | Shares Outstanding 364152000 | Shares Floating 356206179 |
Shares Outstanding 364152000 | Shares Floating 356206179 | ||
Percent Insiders - | Percent Institutions 5.74 |
Upturn AI SWOT
KB Financial Group Inc
Company Overview
History and Background
KB Financial Group Inc. was established in 2001 and has grown to become one of the largest financial institutions in South Korea, offering a wide range of banking, insurance, and investment services.
Core Business Areas
- Banking: Provides a comprehensive suite of banking services, including retail banking, corporate banking, and SME banking.
- Credit Card: Offers a variety of credit card products and services to consumers and businesses.
- Securities: Engages in securities brokerage, investment banking, and asset management services.
- Insurance: Provides life and non-life insurance products.
Leadership and Structure
KB Financial Group is led by a board of directors and a management team overseeing its various subsidiaries. The group structure is hierarchical, with each subsidiary operating independently under the overall guidance of the parent company.
Top Products and Market Share
Key Offerings
- Retail Banking: Offers deposit accounts, loans, mortgages, and other retail banking products. KB Kookmin Bank is a major player in the Korean retail banking market. Competitors include Shinhan Bank, Hana Bank, and Woori Bank. Market share not readily available for US market
- Corporate Banking: Provides loans, trade finance, and other financial services to corporations. KB Financial Group has a significant presence in the corporate banking sector in Korea. Competitors include Shinhan Bank, Hana Bank, and Woori Bank. Market share not readily available for US market
- Credit Cards: Offers various credit card products with different rewards and benefits. Competitors include Shinhan Card, Hyundai Card, and Samsung Card. Market share not readily available for US market
Market Dynamics
Industry Overview
The financial services industry is undergoing digital transformation and facing increased competition. Fintech companies are disrupting traditional banking models. Economic conditions and regulatory changes also significantly impact the industry.
Positioning
KB Financial Group Inc is a major player in the Korean financial services industry, with a strong brand reputation and extensive branch network. Its competitive advantages include its large customer base and diversified product offerings.
Total Addressable Market (TAM)
The TAM for financial services in South Korea is substantial, encompassing banking, insurance, and investment sectors. KB Financial Group is well-positioned to capture a significant share of this market.
Upturn SWOT Analysis
Strengths
- Strong brand recognition
- Extensive branch network
- Diversified product offerings
- Large customer base
- Solid financial performance
Weaknesses
- Exposure to Korean market risks
- Potential regulatory challenges
- Dependence on traditional banking model
- Need for greater digital innovation
Opportunities
- Expansion into new markets
- Development of new digital products and services
- Strategic partnerships with fintech companies
- Growth in wealth management business
Threats
- Increased competition from fintech companies
- Economic downturn in Korea
- Changes in regulatory environment
- Cybersecurity risks
Competitors and Market Share
Key Competitors
- Shinhan Financial Group (SHG)
- Hana Financial Group (HNFG)
- Woori Financial Group (WF)
- Citigroup (C)
- Bank of America (BAC)
Competitive Landscape
KB Financial Group competes with other major financial institutions in Korea, including Shinhan Financial Group, Hana Financial Group, and Woori Financial Group. The company's strengths include its strong brand reputation and extensive branch network. However, it faces challenges from fintech companies and increasing competition.
Major Acquisitions
Prudential Life Insurance Korea
- Year: 2020
- Acquisition Price (USD millions): 2000
- Strategic Rationale: Expanded KB Financial Group's presence in the life insurance market.
Growth Trajectory and Initiatives
Historical Growth: Historical growth trends reflect the performance of the South Korean economy and the financial services industry. Details not readily available for just US stocks (KB Financial is a Korean Company)
Future Projections: Future growth projections depend on various factors, including economic conditions, regulatory changes, and the company's ability to innovate and adapt to changing market dynamics. Details not readily available for just US stocks (KB Financial is a Korean Company)
Recent Initiatives: Recent strategic initiatives include investments in digital transformation, expansion of wealth management services, and partnerships with fintech companies.
Summary
KB Financial Group is a major player in the South Korean financial services industry. It has a strong brand and extensive network, however, it must adapt to digital disruptions and regulatory changes to sustain growth. Expansion into new markets and strategic partnerships are vital. The company faces increasing competition, but its diversified product offerings provide resilience.
Peer Comparison
Sources and Disclaimers
Data Sources:
- Company Website
- Financial News Articles
- Analyst Reports
Disclaimers:
The information provided is for informational purposes only and should not be considered financial advice. Market share data is estimated and may not be precise. Investment decisions should be based on individual research and consultation with a financial advisor.
AI Summarization is directionally correct and might not be accurate.
Summarized information shown could be a few years old and not current.
Fundamental Rating based on AI could be based on old data.
AI-generated summaries may have inaccuracies (hallucinations). Please verify the information before taking action.
About KB Financial Group Inc
Exchange NYSE | Headquaters - | ||
IPO Launch date 2001-11-12 | CEO & Chairman Mr. Jong Hee Yang | ||
Sector Financial Services | Industry Banks - Regional | Full time employees 142 | Website https://www.kbfg.com |
Full time employees 142 | Website https://www.kbfg.com | ||
KB Financial Group Inc. provides various banking and related financial services to consumers and corporations in South Korea, the United States, New Zealand, China, Cambodia, the United Kingdom, Indonesia, and internationally. It operates through Retail Banking, Corporate Banking, Other Banking Services, Credit Card, Securities, Life Insurance, and Non-Life Insurance segments. The company offers loans, deposit products, and other related financial products and services to large, small, medium-sized enterprises, and small office/home office, as well as individuals and households; investment banking, and brokerage and supporting services; life insurance products; non-life insurance products, including fire, maritime, injury, technology, liability, package, title, guarantee, other special type insurances, automobile, long-term nonlife, property damage, injury, driver, savings, illness, nursing, pension, and others; and credit sale, cash service, card loan, and other supporting services. It also involved in securities and derivatives trading, funding, and other supporting activities. In addition, the company offers foreign exchange transaction; financial investment; credit card and installment financing; financial leasing; auto Installment finance; real estate trust management; capital and collective investment; collection of receivables or credit investigation; software advisory, development, and supply; microfinance; investment advisory; claim; management; savings banking; information and communication; e-commerce; and general advisory services. KB Financial Group Inc. was founded in 1963 and is headquartered in Seoul, South Korea.
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