KB Financial Group Inc. Fundamental Analysis
KB Financial Group Inc. (KB) shows strong financial fundamentals with a PE ratio of 10.36, profit margin of 13.95%, and ROE of 10.43%. The company generates $41302.0B in annual revenue with strong year-over-year growth of 34.20%.
Key Strengths
Areas of Concern
The stock receives a Fundamental Health Score of -32274.9/100 based on profitability, valuation, growth, and balance sheet metrics. The F grade reflects weak fundamentals and significant financial concerns.
Fundamental Health Score
We analyze KB's fundamental strength across five key dimensions:
Efficiency Score
WeakKB struggles to generate sufficient returns from assets.
Valuation Score
ExcellentKB trades at attractive valuation levels.
Growth Score
ExcellentKB delivers strong and consistent growth momentum.
Financial Health Score
WeakKB carries high financial risk with limited liquidity.
Profitability Score
WeakKB struggles to sustain strong margins.
Key Financial Metrics
Is KB Expensive or Cheap?
P/E Ratio
KB trades at 10.36 times earnings. This suggests potential undervaluation.
PEG Ratio
When adjusting for growth, KB's PEG of 0.00 indicates potential undervaluation.
Price to Book
The market values KB Financial Group Inc. at 1.16 times its book value. This may indicate undervaluation.
EV/EBITDA
Enterprise value stands at -7.82 times EBITDA. This is generally considered low.
How Well Does KB Make Money?
Net Profit Margin
For every $100 in sales, KB Financial Group Inc. keeps $13.95 as profit after all expenses.
Operating Margin
Core operations generate 20.36 in profit for every $100 in revenue, before interest and taxes.
ROE
Management delivers $10.43 in profit for every $100 of shareholder equity.
ROA
KB Financial Group Inc. generates $0.75 in profit for every $100 in assets, demonstrating efficient asset deployment.
Following the Money - Real Cash Generation
Operating Cash Flow
KB Financial Group Inc. generates limited operating cash flow of $-7.50T, signaling weaker underlying cash strength.
Free Cash Flow
KB Financial Group Inc. generates weak or negative free cash flow of $-7.66T, restricting financial flexibility.
FCF Per Share
Each share generates $-21544.52 in free cash annually.
FCF Yield
KB converts -13.64% of its market value into free cash.
Financial Ratios Analysis
Valuation Ratios
P/E Ratio
Price to earnings ratio
10.36
vs 25 benchmark
PEG Ratio
Price/earnings to growth ratio
0.001
vs 25 benchmark
P/B Ratio
Price to book value ratio
1.16
vs 25 benchmark
P/S Ratio
Price to sales ratio
1.36
vs 25 benchmark
Financial Health
Debt/Equity
Total debt to shareholders' equity
2.81
vs 25 benchmark
Current Ratio
Current assets to current liabilities
0.20
vs 25 benchmark
Efficiency Ratios
ROE
Return on equity percentage
0.10
vs 25 benchmark
ROA
Return on assets percentage
0.007
vs 25 benchmark
ROCE
Return on capital employed
0.01
vs 25 benchmark
How KB Stacks Against Its Sector Peers
| Metric | KB Value | Sector Average | Performance |
|---|---|---|---|
| P/E Ratio | 10.36 | 19.38 | Better (Cheaper) |
| ROE | 10.43% | 804.00% | Weak |
| Net Margin | 13.95% | -7623.00% (disorted) | Strong |
| Debt/Equity | 2.81 | 1.07 | Weak (High Leverage) |
| Current Ratio | 0.20 | 609.22 | Weak Liquidity |
| ROA | 0.75% | -20946.00% (disorted) | Weak |
KB outperforms its industry in 2 out of 6 key metrics, particularly excelling in Net Margin, but lagging in ROE.
Historical Growth Performance
5-Year Growth Trajectory
This section reviews KB Financial Group Inc.'s 5-year compound annual growth rate (CAGR) and compares its performance against the typical investment style of its industry.
Revenue CAGR
163.33%
Industry Style: Value, Dividend, Cyclical
High GrowthEPS CAGR
73.64%
Industry Style: Value, Dividend, Cyclical
High GrowthFCF CAGR
100.00%
Industry Style: Value, Dividend, Cyclical
High Growth