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KB Financial Group Inc. (105560) Stock Price & Analysis
105560 Stock Chart & Stats
- Day’s Range
- KRW 151,100.00 - KRW 156,700.00
- 52-Week Range
- KRW 114,800.00 - KRW 194,500.00
- Previous Close
- KRW 156,800.00
- Volume
- N/A
- Average Volume (3M)
- 757.20K
- Market Cap
- KRW 52.46T
- Enterprise Value
- KRW 196.23T
- Total Cash (Recent Filing)
- KRW 0
- Total Debt (Recent Filing)
- KRW 158.37T
- Price to Earnings (P/E)
- 8.6
- Beta
- 0.23
- Next Earnings
- Feb 09, 2027 (Est.)
- EPS Estimate
- 2,382.99
- Next Dividend Ex-Date
- Nov 11, 2026
- Dividend Yield
- 5.33%
Bulls Say, Bears Say
Bulls Say
Diversified Financial Platform
KB Financial’s broad mix of banking, lending, payments, brokerage, wealth management and insurance gives it multiple earnings channels and customer touchpoints. This diversification can support cross-selling, reduce reliance on one product line, and provide a durable platform for serving retail, SME and corporate clients.
Profit And Revenue Growth
Improving revenue and earnings demonstrate solid operating momentum across the group, with profitability remaining in the mid-to-high teens and net margin around 12%. If maintained, this earnings base can strengthen internal capital generation and support continued investment, shareholder returns and balance-sheet resilience.
Strong Capital And Strategic Reinvestment
A CET1 ratio above the stated buffer indicates meaningful regulatory capital capacity, while the securities investment targets a specific growth opportunity in wealth and capital-markets services. Combining capital strength with selective reinvestment may broaden future earnings and preserve flexibility for shareholder distributions.
Bears Say
Sharp Cash-Flow Deterioration
The latest TTM swing from previously positive free cash flow to deeply negative operating and free cash flow is a material weakness in cash conversion. Although banking cash movements can be volatile, the magnitude reduces confidence in near-term internally generated liquidity and may constrain financial flexibility if sustained.
Elevated Leverage And Reporting Inconsistency
Leverage is structurally high, even if typical for a bank, leaving the group more sensitive to credit and market shocks than a less leveraged business. Reported 2025 balance-sheet inconsistencies also make year-over-year comparisons less dependable, complicating assessment of capital strength and risk trends.
Margin And Insurance Pressure
Falling net interest margins can pressure the core spread-income engine when funding costs rise, while higher insurance loss ratios weigh on diversification benefits. Together, these pressures could offset some fee and loan growth, particularly if funding expenses or claims remain elevated over coming quarters.
KB Financial Group Inc. News
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Company Description
KB Financial Group Inc.
KB Financial Group Inc., established in 2008 and headquartered in Seoul, South Korea, is a leading provider of comprehensive banking and financial services. The company caters to both individual consumers and corporate clients, operating across South Korea and internationally. Its extensive operations are segmented into Corporate Banking, Retail Banking, Securities Business, Non-life Insurance Business, Credit Card Business, Life Insurance Business, and Other Banking Services. KB Financial Group offers a wide array of financial products, including various loans and deposit accounts, tailored for large, small, and medium-sized enterprises, as well as for small and home offices, individuals, and households. Additionally, it provides investment banking and brokerage services, a full suite of life and non-life insurance products, and credit card facilities such as credit sales, cash services, and card loans. The group is also actively involved in securities and derivatives trading, funding activities, and associated support services. Furthermore, its diverse range of offerings encompasses foreign exchange transactions, financial investments, installment financing, financial leasing, real estate trust management, capital investment, receivables collection and credit investigation, software advisory and development, investment advisory, claims management, general management consulting, savings banking, and information and communication services.
- Sector
- General
- Industry
- Banks - Regional
- CEO
- Jong Hee Yang
- Employees
- 141
- Website
- www.kbfg.com
- Address
- 26, Gukjegeumyung-ro 8-gil, Seoul, SL, 07331, KR
KB Financial Group Inc. (105560) Earnings & Revenues
105560 Earnings Call
Earnings Call SentimentPositive
The call was broadly positive, supported by 13.1% cumulative net profit growth, higher ROE, strong loan growth, expanding cumulative fee income, improving cost efficiency, stable credit costs, strong capital ratios, and a 25.5% increase in quarterly dividend per share. The main challenges were NIM compression, greater volatility and a QoQ decline in capital-market fee income, funding-market pressure, higher provisions, and a potential negative insurance deposit-insurance impact. Management remained constructive about Q4 repricing, deposit growth, capital management, and continued earnings growth.
View all KR:105560 earnings summariesTechnical Analysis
Overall Consensus
| Indicator | Bullish | Neutral | Bearish |
|---|---|---|---|
| Overall Consensus | 5 | 6 | 11 |
| Technical Analysis | 2 | 6 | 2 |
| Moving Averages | 3 | 0 | 9 |