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Upturn AI SWOT - About
KB 
KB Financial Group Inc (KB)
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Upturn Advisory Summary
07/03/2025: 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 $92.06
1 Year Target Price $92.06
| 1 | Strong Buy |
| 0 | Buy |
| 0 | Hold |
| 0 | Sell |
| 0 | Strong Sell |
Analysis of Past Performance
Type Stock | Historic Profit 31.4% | 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 07/03/2025 |
Key Highlights
Company Size Large-Cap Stock | Market Capitalization 31.38B USD | Price to earnings Ratio 8 | 1Y Target Price 92.06 |
Price to earnings Ratio 8 | 1Y Target Price 92.06 | ||
Volume (30-day avg) 1 | Beta 0.6 | 52 Weeks Range 45.92 - 86.18 | Updated Date 07/4/2025 |
52 Weeks Range 45.92 - 86.18 | Updated Date 07/4/2025 | ||
Dividends yield (FY) 2.86% | Basic EPS (TTM) 10.71 |
Analyzing Revenue: Products, Geography and Growth
Revenue by Geography
Geography revenue - Year on Year
Earnings Date
Report Date - | When - | Estimate - | Actual - |
Profitability
Profit Margin 38.4% | Operating Margin (TTM) 58.82% |
Management Effectiveness
Return on Assets (TTM) 0.75% | Return on Equity (TTM) 9.51% |
Valuation
Trailing PE 8 | Forward PE 3.85 | Enterprise Value 42501012455424 | Price to Sales(TTM) - |
Enterprise Value 42501012455424 | Price to Sales(TTM) - | ||
Enterprise Value to Revenue 8.46 | Enterprise Value to EBITDA - | Shares Outstanding 364152000 | Shares Floating 359774505 |
Shares Outstanding 364152000 | Shares Floating 359774505 | ||
Percent Insiders - | Percent Institutions 5.76 |
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 evolved from Korea's leading commercial bank, Kookmin Bank, and has since expanded its portfolio to include various financial services.
Core Business Areas
- Banking: KB Kookmin Bank provides a wide range of banking services, including retail banking, corporate banking, and investment banking.
- Securities: KB Securities offers brokerage, investment banking, and asset management services.
- Insurance: KB Insurance provides various insurance products, including property and casualty insurance, and life insurance.
- Credit Card: KB Kookmin Card offers credit card services and related financial products.
- Asset Management: KB Asset Management offers investment portfolios to individuals, corporations, and institutional clients
Leadership and Structure
The leadership team includes a Chairman and CEO, along with executive officers overseeing various business divisions. The organizational structure is a holding company structure, with subsidiaries operating independently under the group's overall strategy.
Top Products and Market Share
Key Offerings
- Retail Banking Services: Includes deposit accounts, loans, mortgages, and credit cards. KB Kookmin Bank has a significant market share in South Korea. Competitors include Shinhan Financial Group, Hana Financial Group, and Woori Financial Group. Market share data on specific products varies.
- Corporate Banking Services: Provides loans, trade finance, and other financial solutions to businesses. Competitors include Shinhan Financial Group, Hana Financial Group, and Woori Financial Group. Revenue data on specific products varies.
- Mortgage Loans: Mortgage loans are offered with fixed or variable interest rates for individuals and families looking to purchase homes. Key competitors include Shinhan Bank, KEB Hana Bank, and Woori Bank. KB Financial Group holds a substantial portion of the mortgage market, with market share varying regionally and by loan type.
Market Dynamics
Industry Overview
The South Korean financial services industry is highly competitive and regulated. It is influenced by economic conditions, government policies, and technological advancements.
Positioning
KB Financial Group Inc. is one of the largest financial institutions in South Korea, with a strong brand reputation and extensive distribution network. Its competitive advantage lies in its diversified product portfolio and strong market presence.
Total Addressable Market (TAM)
The TAM for the South Korean financial services industry is estimated to be several trillion USD. KB Financial Group Inc. is well-positioned to capture a significant share of this market, given its extensive range of products and services, large customer base, and strong brand presence.
Upturn SWOT Analysis
Strengths
- Strong Brand Recognition
- Extensive Distribution Network
- Diversified Product Portfolio
- Strong Financial Performance
- Leading Market Position
Weaknesses
- Exposure to the South Korean Economy
- Regulatory Compliance Costs
- Dependence on Traditional Banking Services
- Cybersecurity risks
- Potential impact from fluctuations in the Korean Won.
Opportunities
- Expansion into New Markets
- Development of Innovative Financial Products
- Growth in Digital Banking
- Strategic Acquisitions
- Increased demand for wealth management services
Threats
- Increased Competition
- Economic Downturn
- Changes in Regulatory Environment
- Technological Disruption
- Geopolitical Risks
Competitors and Market Share
Key Competitors
- SHG US Equity
- HANA US Equity
- WF US Equity
Competitive Landscape
KB Financial Group faces intense competition from other major financial institutions in South Korea. It competes on the basis of product offerings, service quality, and brand reputation.
Major Acquisitions
Prudential Life Insurance Korea
- Year: 2020
- Acquisition Price (USD millions): 2000
- Strategic Rationale: Expansion into the life insurance market and diversification of revenue streams.
Growth Trajectory and Initiatives
Historical Growth: KB Financial Group has experienced steady growth in recent years, driven by its strong performance in various business segments.
Future Projections: Analysts expect KB Financial Group to continue to grow in the coming years, driven by its expansion into new markets and development of innovative financial products.
Recent Initiatives: Recent initiatives include investments in digital banking platforms and strategic acquisitions.
Summary
KB Financial Group is a strong financial institution with a leading market position in South Korea. Its diversified product portfolio and extensive distribution network are working well. However, the company needs to watch out for increasing competition, economic downturns, and changes in the regulatory environment. Strong market capitalization and brand strength provides a good foundation to work with
Peer Comparison
Sources and Disclaimers
Data Sources:
- Company Filings
- Financial News Articles
- Industry Reports
- Analyst Reports
Disclaimers:
The data provided is for informational purposes only and should not be considered investment advice. Market share data is approximate and subject to change. Financial data needs to be independently verified.
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 - | Website https://www.kbfg.com |
Full time employees - | 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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