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KB 
KB Financial Group Inc (KB)
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Upturn Advisory Summary
12/24/2025: KB (1-star) has a low Upturn Star Rating. Not recommended to BUY.
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 $113.53
1 Year Target Price $113.53
| 1 | Strong Buy |
| 0 | Buy |
| 0 | Hold |
| 0 | Sell |
| 0 | Strong Sell |
Analysis of Past Performance
Type Stock | Historic Profit 23.72% | Avg. Invested days 47 | Today’s Advisory Consider higher Upturn Star rating |
Upturn Star Rating | Upturn Advisory Performance  3.0 | Stock Returns Performance  3.0 |
| Profits based on simulation | Last Close 12/24/2025 |
Key Highlights
Company Size Large-Cap Stock | Market Capitalization 31.92B USD | Price to earnings Ratio 8.54 | 1Y Target Price 113.53 |
Price to earnings Ratio 8.54 | 1Y Target Price 113.53 | ||
Volume (30-day avg) 1 | Beta 0.55 | 52 Weeks Range 45.25 - 91.36 | Updated Date 12/26/2025 |
52 Weeks Range 45.25 - 91.36 | Updated Date 12/26/2025 | ||
Dividends yield (FY) 2.89% | Basic EPS (TTM) 10.2 |
Analyzing Revenue: Products, Geography and Growth
Revenue by Geography
Geography revenue - Year on Year
Earnings Date
Report Date - | When - | Estimate - | Actual - |
Profitability
Profit Margin 38.99% | Operating Margin (TTM) 58.56% |
Management Effectiveness
Return on Assets (TTM) 0.75% | Return on Equity (TTM) 9.5% |
Valuation
Trailing PE 8.54 | Forward PE 3.85 | Enterprise Value 38293148270592 | Price to Sales(TTM) - |
Enterprise Value 38293148270592 | Price to Sales(TTM) - | ||
Enterprise Value to Revenue 8.49 | Enterprise Value to EBITDA - | Shares Outstanding 361281975 | Shares Floating 352627378 |
Shares Outstanding 361281975 | Shares Floating 352627378 | ||
Percent Insiders - | Percent Institutions 5.81 |
Upturn AI SWOT
KB Financial Group Inc
Company Overview
History and Background
KB Financial Group Inc. was established on September 24, 2008, as a holding company, consolidating various KB entities. It evolved from the Korea Exchange Bank (KEB) and KB Kookmin Bank, which have a much longer history dating back to the establishment of the Korea Housing Bank in 1967 and the Bank of Korea in 1950 respectively. Significant milestones include the merger of KEB with Hana Bank in 2015, creating Hana Financial Group, and KB Financial Group's subsequent strategic acquisitions and digital transformation initiatives.
Core Business Areas
- Banking: Offers a comprehensive range of banking products and services, including deposit accounts, loans (mortgage, corporate, personal), credit cards, and foreign exchange services through KB Kookmin Bank, its primary banking subsidiary.
- Financial Investment: Provides investment banking, securities brokerage, asset management, and wealth management services through KB Securities and KB Asset Management.
- Insurance: Offers life insurance, non-life insurance (property, casualty, auto), and pensions through KB Life Insurance and KB Insurance.
- Credit Cards: Operates a leading credit card business through KB Kookmin Card, offering a wide array of card products and loyalty programs.
- Other Financial Services: Includes leasing, venture capital, and digital payment solutions.
Leadership and Structure
KB Financial Group Inc. operates as a financial holding company with a Board of Directors overseeing its overall strategy and management. Key subsidiaries operate with their own management teams, reporting to the holding company. The specific leadership team can vary, but it typically includes a Chairman and CEO of the Group, along with CEOs for each major subsidiary.
Top Products and Market Share
Key Offerings
- Mortgage Loans: KB Kookmin Bank is a dominant player in the South Korean mortgage market, offering competitive interest rates and flexible repayment options. Competitors include other major Korean banks like Shinhan Bank, Woori Bank, and Hana Bank.
- Savings and Deposit Accounts: A wide range of deposit products catering to individuals and businesses. The company holds a significant market share in this segment due to its extensive branch network and brand recognition. Competitors are all other financial institutions offering similar products.
- Credit Cards: KB Kookmin Card is one of the largest credit card issuers in South Korea, offering various co-branded cards and reward programs. Competitors include Shinhan Card, Samsung Card, and Hyundai Card.
- Investment Products: KB Securities offers a variety of investment products including stocks, bonds, and mutual funds, serving both retail and institutional investors. Competitors include other major securities firms in Korea.
Market Dynamics
Industry Overview
KB Financial Group operates within the highly regulated and competitive South Korean financial services industry. This sector is characterized by a strong banking presence, growing demand for digital financial services, and an increasing focus on wealth management and insurance. The industry is influenced by monetary policy, economic growth, and evolving consumer preferences.
Positioning
KB Financial Group is one of the largest and most diversified financial conglomerates in South Korea, holding leading positions in banking, credit cards, and a strong presence in insurance and securities. Its competitive advantages include a strong brand reputation, extensive customer base, robust digital capabilities, and a comprehensive product portfolio.
Total Addressable Market (TAM)
The TAM for the financial services sector in South Korea is substantial, encompassing trillions of US dollars in assets under management, deposits, loans, and insurance premiums. KB Financial Group is a significant player within this TAM, consistently ranking among the top financial institutions, and is well-positioned to capture a large share through its diversified offerings and continuous innovation.
Upturn SWOT Analysis
Strengths
- Strong brand recognition and customer loyalty in South Korea.
- Diversified business portfolio across banking, investment, and insurance.
- Extensive branch network and digital banking capabilities.
- Solid financial performance and profitability.
- Experienced management team and established market position.
Weaknesses
- Heavy reliance on the South Korean domestic market.
- Potential for increased competition from fintech companies.
- Regulatory changes could impact profitability.
- Slower adoption of certain niche financial products compared to global leaders.
Opportunities
- Expansion into new digital financial services and platforms.
- Leveraging AI and big data for personalized customer offerings.
- Growth in wealth management and pension services.
- Potential for cross-selling opportunities across subsidiaries.
- International market expansion, particularly in growing Asian economies.
Threats
- Intensifying competition from domestic and international financial institutions and fintechs.
- Economic downturns and interest rate volatility impacting loan demand and profitability.
- Cybersecurity risks and data breaches.
- Changes in consumer behavior favoring digital-only or alternative financial solutions.
- Geopolitical risks impacting global and regional economic stability.
Competitors and Market Share
Key Competitors
- Shinhan Financial Group (South Korea)
- Woori Financial Group (South Korea)
- Hana Financial Group (South Korea)
Competitive Landscape
KB Financial Group possesses a strong competitive advantage due to its diversified business lines and established market presence. While Shinhan and Woori are strong competitors, KB's broad service offerings and consistent profitability give it an edge. Hana Financial Group, though smaller, is also a significant player. The primary challenge is maintaining market share against agile fintech companies and evolving customer preferences.
Growth Trajectory and Initiatives
Historical Growth: KB Financial Group has demonstrated consistent historical growth, driven by organic expansion in its core businesses, strategic acquisitions, and a focus on digital innovation. Its ability to adapt to changing market dynamics and customer needs has been a key factor in its sustained growth.
Future Projections: Analyst projections for KB Financial Group's future growth generally indicate continued expansion, particularly in areas like digital finance, wealth management, and potentially international markets. Forecasts are typically based on anticipated economic conditions, industry trends, and the company's strategic initiatives.
Recent Initiatives: Recent initiatives include significant investments in digital transformation, expansion of AI-powered financial services, enhancement of customer-centric platforms, and strategic partnerships to broaden its service offerings and reach.
Summary
KB Financial Group Inc. is a well-established and diversified financial conglomerate in South Korea, boasting strong market positions in banking, credit cards, and insurance. Its key strengths lie in its robust brand, extensive customer base, and digital capabilities. While it faces challenges from increasing competition and evolving fintech landscapes, its continuous investment in digital transformation and strategic growth initiatives position it well for sustained success. The company needs to remain agile in adapting to market shifts and cybersecurity threats.
Similar Stocks
Sources and Disclaimers
Data Sources:
- KB Financial Group Inc. Investor Relations
- Financial News Outlets (e.g., Bloomberg, Reuters)
- Market Research Reports
Disclaimers:
This analysis is based on publicly available information and may not encompass all aspects of KB Financial Group Inc.'s operations. Financial data and market share figures are subject to change and are provided for informational purposes only. This is not financial advice, and investors should conduct their own due diligence.
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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