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KB Financial Group Inc(KB)

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ADVISORIES YOU CAN VERIFY
QUALITY SIGNAL RECENCY
3-STAR RATING
REGULAR BUY
BUY for 54 days
PROFIT SINCE LAST BUY
+9.42%
LAST CLOSE
$125.39
09/23/2026
(24-hour delay)

Advisory History & Simulated Performance *

*as per simulation (see disclosures)
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  • BUY Advisory
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  • SELL Advisory (Loss)
  • Profit
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Upturn Stock price based on last close iconStock price based on last close

Advisory Performance History (Simulated)Advisory Performance History info

Upturn Advisory & Investor View for KB

09/23/2026: KB (3-star) is a STRONG-BUY. BUY for 54 days. Simulated Profits (9.42%). Updated daily EoD!

How to Read the Upturn Advisory

The Upturn Star Rating and the current BUY, SELL, or PASS advisory are generated by Upturn’s AI advisory engine based on proprietary signal analysis, price behavior, advisory history, and historical signal performance.

Company fundamentals, valuation, risks, and news provide supporting context about the business.

Price Behavior

Strong Uptrend
PRICE PATH

Strong Uptrend

The stock has maintained a strong upward price trend across the last three quarters.

Moderately Choppy
PRICE STABILITY

Moderately Choppy

The stock has experienced noticeable price swings while retaining some directional structure.

Analysis of Past Performance

Type Stock
Historic Profit 61.89%
Avg. Invested days 54
Today’s Advisory Regular Buy
Upturn Advisory Rating upturn star rating icon
Upturn Advisory Performance Upturn Advisory Performance icon 4.0
Stock Returns Performance Upturn Returns Performance icon 3.0
Upturn Profits based on simulation icon Profits based on simulation
Upturn last close icon Last Close 09/23/2026

Upturn Scorecard

Upturn Star Rating

KB receives a 3-star rating, supported by solid quantitative characteristics, and solid analyst coverage. The rating is constrained by weak price momentum.

Company Fundamentals

KB has moderate overall fundamentals (3 stars), with moderate financial health, solid growth momentum, and moderate ownership. In FY2025 versus FY2024, solid earnings growth (+15.2%) and solid cash generation (FCF margin 7.2%) are partially offset by very low insider ownership of 0.00%.

Financial Health Rating

KB's financial health is supported by strong cash strength, including free-cash-flow generation of $3671.4B (7.2% of revenue). Liquidity is soft (2 stars), which helps explain the 3-star overall score.

Growth Momentum Score

Revenue growth is KB's strongest growth driver at +34.2% FY2025 versus FY2024 (solid, 4 stars). Earnings growth (+15.2%, solid) and free-cash-flow growth (+8.2%, moderate) are also constructive, though not equally high across every growth measure.

Ownership

Institutional ownership is 6.8% and approximately 392.7% of outstanding shares are publicly tradable, supporting liquidity and institutional participation. Insider ownership is only 0.00%, which materially reduces the ownership score.

Top 5 Institutional Investors

Dimensional Fund Advisors, Inc. 0.68%
BlackRock Inc 0.62%
Lazard Asset Management LLC 0.42%
American Century Companies Inc 0.33%
Morgan Stanley - Brokerage Accounts 0.33%

Unit Economics (Per $1K Revenue)

KB generates approximately $491 of gross profit, $168 of operating income, and $72 of free cash flow for every $1,000 of revenue. Based on FY2025 results. Strong cash conversion and healthy margins support the rating, although capital efficiency remains below the highest tier.

Economic Dimensions

Effective Tax Rate: 28.62%

Quantitative Style Profile

KB has a high-quality, large-cap, liquid, relatively low-volatility profile. Weak momentum is the primary drawback.

Style Classification

Quality Focused

Value-OrientedQuality TiltLow VolatilityLarge / Mega Cap StabilityHighly Liquid / Institution-Friendly

Key Highlights

Company Size Large-Cap Stock
Market Capitalization 45.37B USD
Price to earnings Ratio 10.6
1Y Target Price 180.76
Price to earnings Ratio 10.6
1Y Target Price 180.76
Volume (30-day avg) 162.4K shares
Beta 0.63
52 Weeks Range 75.40 - 133.29
Updated Date 09/23/2026
52 Weeks Range 75.40 - 133.29
Updated Date 09/23/2026
Dividends yield (FY) 2.56%
Basic EPS (TTM) 12.19

Analyzing Revenue: Products, Geography and Growth

Revenue by Geography

Geography revenue - Year on Year

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Valuation

Trailing PE 10.6
Forward PE 3.85
Enterprise Value 26.99T
Price to Sales(TTM) -
Enterprise Value 26.99T
Price to Sales(TTM) -
Enterprise Value to Revenue 9.06
Enterprise Value to EBITDA -
Shares Outstanding 351.11M
Shares Floating 1.38B
Shares Outstanding 351.11M
Shares Floating 1.38B
Percent Insiders -
Percent Institutions 6.78

Financial Metrics

🧭 Investment Snapshot

Total Revenue (Scale)

Information icon Total money earned from selling products or services before any costs. It is needed to understand the scale of the business and its ability to generate income.

Net Income (Profit)

Information icon Final profit after all expenses, interest, and taxes are deducted. It is needed to determine the overall profitability available to shareholders.

Free Cash Flow (Cash Strength)

Information icon Cash remaining after operating activities and capital expenditures, showing cash available for growth. It is needed to evaluate the company’s ability to invest, pay dividends, or reduce debt.

📈 Growth & Strength

Operating Income (Core Profit)

Information icon Profit from core operations after deducting all operating expenses. It is needed to measure how efficiently the company runs its primary business activities.

EBITDA (Cash Earnings)

Information icon Earnings before interest, taxes, depreciation, and amortization, indicating operating cash potential. It is needed to compare operating performance across companies without accounting or financing differences.

Gross Profit (Unit Profitability)

Information icon Revenue minus cost of revenue, showing profit after direct production costs. It is needed to evaluate core business profitability before overhead expenses.

🛡️ Financial Safety

Cash (Liquidity Buffer)

Information icon Total cash and cash equivalents on hand. It is needed to evaluate immediate liquidity and financial flexibility.

Total Debt (Leverage Risk)

Information icon Total debt including both short-term and long-term components. It is needed to assess the company’s leverage and financial risk.

Net Working Capital (Short-Term Health)

Information icon Current assets minus current liabilities, indicating short-term liquidity strength. It is needed to assess whether the company can meet its short-term obligations.

🧱 Balance Sheet Strength

Stockholder Equity (Net Worth)

Information icon Total equity value held by shareholders. It is needed to understand the net worth of the company from the owners’ perspective.

Total Assets (Asset Base)

Information icon The full value of everything the company owns, including cash, inventory, equipment, and investments. It is needed to understand the resource base used to generate revenue.

Income Before Tax (Pre-Tax Earnings)

Information icon Income before provision for income taxes. It is needed to analyze profitability independent of tax structures.

⚙️ Cost & Drag Factors

Cost of Revenue (Production Cost)

Information icon Direct costs required to produce and deliver the products or services sold. It is needed to assess efficiency in production and service delivery.

Total Operating Expenses (Operating Cost)

Information icon Indirect costs of running the business such as salaries, marketing, and administration. It is needed to understand how much it costs to sustain ongoing business operations.

Income Tax Expense (Tax Drag)

Information icon Amount of taxes paid or payable to the government. It is needed to evaluate the impact of taxation on overall profitability.

About KB Financial Group Inc

Exchange NYSE
Headquarters -
IPO Launch date 2001-11-12
CEO & Chairman Mr. Jong Hee Yang
Sector Financial Services
Industry Banks - Regional
Full time employees 142
Full time employees 142

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. The company offers deposit products, such as demand and time deposits, certificates of deposit, foreign currency deposits, and savings deposits for housing subscription; loan products, including mortgage loans to finance home purchases, construction, improvements, or rentals; and home equity loans, overdraft loans, and other consumer loans. It also provides debit and credit cards; working capital loans and facility loans; mortgage loans to home builders or developers; securities underwriting; financing and financial advisory services for mergers and acquisitions; project finance and financial advisory services for social overhead capital projects such as highway, port, power, water, and sewage projects; financing and financial advisory services for real estate development projects; and structured finance. In addition, the company offers brokerage services for stocks, futures, options, equity, derivative-linked securities, and debt instruments; foreign exchange services and derivatives dealing; import and export-related services; offshore lending, syndicated loans, and foreign currency securities investment; and trust account management services. Further, it provides long-term insurance products, automobile insurance products, and general property and casualty insurance products; life insurance comprising annuities, savings insurance, variable life insurance, whole life insurance, term life insurance, and health insurance; bancassurance; consumer finance services; and mortgage financing and construction loans. Additionally, the company is involved in real estate trust management; capital investment; and software advisory, development, and supply. KB Financial Group Inc. was founded in 1963 and is headquartered in Seoul, South Korea.