Home 
Today's Top Picks 
Top Performers 
Watchlist 
My Robo Portfolios 
ETF Zone 
Help & Tutorial 
Cancel anytime
- Chart
- Upturn Summary
- Highlights
- Valuation
Upturn AI SWOT - About
KB 
KB Financial Group Inc (KB)
- BUY Advisory
- SELL Advisory (Profit)
- SELL Advisory (Loss)
- Profit
- Loss
- Pass (Skip investing)
Stock price based on last close (see disclosures)
- ALL
- YEAR
- MONTH
- WEEK
Upturn Advisory Summary
10/14/2025: 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 $101.23
1 Year Target Price $101.23
| 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 10/14/2025 |
Key Highlights
Company Size Large-Cap Stock | Market Capitalization 28.78B USD | Price to earnings Ratio 7.67 | 1Y Target Price 101.23 |
Price to earnings Ratio 7.67 | 1Y Target Price 101.23 | ||
Volume (30-day avg) 1 | Beta 0.62 | 52 Weeks Range 45.55 - 91.66 | Updated Date 10/14/2025 |
52 Weeks Range 45.55 - 91.66 | Updated Date 10/14/2025 | ||
Dividends yield (FY) 3.10% | Basic EPS (TTM) 10.3 |
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 7.67 | Forward PE 3.85 | Enterprise Value 33850816200704 | Price to Sales(TTM) - |
Enterprise Value 33850816200704 | Price to Sales(TTM) - | ||
Enterprise Value to Revenue 8.09 | Enterprise Value to EBITDA - | Shares Outstanding 364151975 | Shares Floating 354654891 |
Shares Outstanding 364151975 | Shares Floating 354654891 | ||
Percent Insiders - | Percent Institutions 5.77 |
Upturn AI SWOT
KB Financial Group Inc
Company Overview
History and Background
KB Financial Group Inc. was established in September 2008 as a financial holding company under the Financial Holding Company Act of Korea. It has grown to become one of South Korea's largest financial institutions through organic growth and strategic acquisitions.
Core Business Areas
- Banking: KB Kookmin Bank provides a wide range of retail and corporate banking services, including deposit accounts, loans, and credit cards.
- Securities: KB Securities offers brokerage, investment banking, and asset management services.
- Insurance: KB Insurance provides various insurance products, including life, health, and property & casualty insurance.
- Credit Card: KB Kookmin Card offers credit card services and consumer financing solutions.
- Asset Management: KB Asset Management provides asset management services for institutional and retail clients.
Leadership and Structure
The company is led by a board of directors and a management team headed by the Chairman. The organizational structure comprises various business units and support functions.
Top Products and Market Share
Key Offerings
- Retail Banking Services: Includes deposit accounts, loans (mortgages, personal loans), and credit cards. KB Kookmin Bank is a leading player in the retail banking sector in South Korea. Competitors include Shinhan Bank, Hana Bank, and Woori Bank. Market share for total domestic loans held by banks in 2023, KB Kookmin Bank accounted for roughly 20%.
- Corporate Banking Services: Provides loans, trade finance, and other financial services to corporations. Competitors include Shinhan Bank, Hana Bank, and Woori Bank. Market share is not available as it is private.
- Credit Card Services: KB Kookmin Card is a major credit card issuer in South Korea. Competitors include Shinhan Card, Samsung Card, and Hyundai Card. The total market share for credit cards is 17% in the South Korean Market.
Market Dynamics
Industry Overview
The South Korean financial industry is highly competitive and regulated. It is undergoing digital transformation and facing increasing competition from fintech companies.
Positioning
KB Financial Group is one of the leading financial groups in South Korea, with a strong presence in banking, securities, and insurance. Its competitive advantages include its large customer base, strong brand reputation, and diversified business portfolio.
Total Addressable Market (TAM)
The South Korean financial market is estimated to be worth billions of dollars annually. KB Financial Group is well-positioned to capture a significant share of this market.
Upturn SWOT Analysis
Strengths
- Strong brand recognition
- Large customer base
- Diversified business portfolio
- Solid financial performance
- Extensive branch network
Weaknesses
- Reliance on the South Korean market
- Exposure to regulatory changes
- Competition from fintech companies
- Potential for asset quality deterioration
- Lack of global presence
Opportunities
- Expansion into new markets
- Development of new products and services
- Investment in digital technologies
- Strategic acquisitions
- Increased demand for wealth management services
Threats
- Economic slowdown
- Increased competition
- Regulatory changes
- Geopolitical risks
- Interest rate volatility
Competitors and Market Share
Key Competitors
- SHG (Shinhan Financial Group)
- HNB (Hana Financial Group)
- WF (Woori Financial Group)
Competitive Landscape
KB Financial Group has a strong competitive position in South Korea's financial industry, but it faces intense competition from other major financial groups. Its diversified business portfolio and strong brand recognition are key advantages.
Major Acquisitions
Prudential Life Insurance Korea
- Year: 2021
- Acquisition Price (USD millions): 2000
- Strategic Rationale: Expanded KB Financial Group's presence in the life insurance market and diversified its revenue streams.
Growth Trajectory and Initiatives
Historical Growth: Past growth trends and performance data would be outlined here.
Future Projections: Analyst estimates and projections for future growth would be included.
Recent Initiatives: Recent strategic initiatives undertaken by KB Financial Group would be highlighted.
Summary
KB Financial Group is a major player in the South Korean financial market with a diversified business portfolio and strong brand. Its strengths include a large customer base and solid financial performance. However, it faces challenges such as increased competition and regulatory changes and could benefit from greater global exposure. The company needs to continue to invest in digital technologies and seek opportunities for expansion in order to sustain its growth trajectory.
Peer Comparison
Sources and Disclaimers
Data Sources:
- KB Financial Group Annual Reports
- Korea Exchange (KRX)
- Industry Reports
- Analyst Reports
Disclaimers:
The information provided is for informational purposes only and should not be considered financial advice. Market data and analysis are subject to change and may not be completely accurate.
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.
Note: This website is maintained by Upturn Corporation, which is an investment adviser registered with the U.S. Securities and Exchange Commission. Such registration does not imply a certain level of skill or training. Investing in securities has risks. Past performance is no guarantee of future returns. No assurance is provided as to any particular investment return, and you may lose money using our services. You are strongly advised to consult appropriate counsel before making any investments in companies you learn about through our services. You should obtain appropriate legal, tax, investment, accounting, and other advice that takes into account your investment portfolio and overall financial situation. You are solely responsible for conducting due diligence on a potential investment. We do not affect trades for you. You will select your own broker through which to transact. Investments are not FDIC insured, they are not guaranteed, and they may lose value. Please see the Privacy Policy, Terms of Use, and Disclosure for more information.