KB Financial Group Inc

KB Financial Group maintains a capital structure characterized by high leverage typical of the banking industry, with total liabilities of 738.9 trillion KRW against total assets of 797.9 trillion KRW. The debt-to-equity ratio stands at 2.57, reflecting the asset-liability management model inherent to commercial banking. Liquidity is assessed as medium risk, with a key flag noting that net cash is negative after subtracting total debt. The company generated operating cash flow of 4.23 trillion KRW and free cash flow of 4.99 trillion KRW, supported by capital expenditures of -555 billion KRW.

Profitability metrics indicate a return on equity of 10.21% and a return on assets of 0.76%. The company reported net income of 5.83 trillion KRW on revenue of 13.07 trillion KRW. While specific cohort medians are not provided for direct comparison, the valuation multiples suggest a moderate premium, with a price-to-earnings ratio of 11.11 and a price-to-book ratio of 1.13. The price-to-tangible book value is also 1.13, indicating the market values the company slightly above its tangible equity base.

Segment and geographic revenue mix data is not present in the available input, preventing a detailed analysis of revenue concentration or regional exposure. The company's activity is broadly defined as Commercial Banks within the Banks industry.

Historical period data for revenue and net income trends is not available in the input, limiting the ability to assess long-term growth trajectory or cyclicality. The current financial snapshot provides a single-period view of performance.

Risk assessment highlights medium liquidity risk and low dilution risk. The primary financial flag is the negative net cash position after debt subtraction, which is a structural characteristic of leveraged financial institutions rather than a distress signal. Dilution risk is explicitly rated as low, with basic and diluted shares outstanding both at 355.4 million.

Recent observations include strong analyst sentiment, with a mean recommendation of 1.68 (where 1 is strong buy) and no hold ratings among the covered analysts. The mean price target is 204,839 KRW, implying upside from the current market price of 188,500 KRW. There are 8 strong-buy and 17 buy recommendations, with a high target of 228,100 KRW and a low target of 167,000 KRW.

Net income surged 14.9% year-over-year to KRW 5.8 trillion, demonstrating strong profitability growth.

Return on equity of 10.2% significantly exceeds the 6.7% median for the broader banking cohort.

Free cash flow expanded 26.9% to KRW 5.0 trillion, indicating robust cash generation capabilities.

Total assets grew 5.3% year-over-year, reflecting steady balance sheet expansion over five years.

Debt-to-equity ratio of 2.57 places the company in the bottom quartile of its banking cohort.

Cash conversion ratio of 0.70 trails the 1.13 median for the banking sector.

Revenue growth slowed to just 1.9% year-over-year, indicating limited top-line expansion momentum.

Long-term debt increased to KRW 151.7 trillion, rising alongside total asset growth.

The company faces a medium level of liquidity risk according to internal risk assessments.

Revenue KRW 3.33T, +2,2% YoY; Net income +11,5% YoY.

• ▍Revenue KRW 3.33T, +2,2% YoY
• ▍Net income +11,5% YoY
• ▍Free cash flow +16,8% YoY
• ▍Net margin 56.7%

Revenue KRW 3.37T, +1,9% YoY; Net income +4,2% YoY.

• ▍Revenue KRW 3.37T, +1,9% YoY
• ▍Net income +4,2% YoY
• ▍Free cash flow +56,4% YoY
• ▍Net margin 21.1%

Revenue KRW 3.34T, +4,7% YoY; Net income +4,1% YoY.

• ▍Revenue KRW 3.34T, +4,7% YoY
• ▍Net income +4,1% YoY
• ▍Free cash flow +3,5% YoY
• ▍Net margin 50.5%

Revenue KRW 3.11T, −3,7% YoY; Net income +0,3% YoY.

• ▍Revenue KRW 3.11T, −3,7% YoY
• ▍Net income +0,3% YoY
• ▍Free cash flow +4,1% YoY
• ▍Net margin 56.0%

Revenue KRW 3.26T; Net margin 52.0%.

• ▍Revenue KRW 3.26T
• ▍Net margin 52.0%

Revenue KRW 3.30T; Net margin 20.7%.

• ▍Revenue KRW 3.30T
• ▍Net margin 20.7%

Revenue KRW 3.19T; Net margin 50.8%.

• ▍Revenue KRW 3.19T
• ▍Net margin 50.8%

Revenue KRW 3.23T; Net margin 53.7%.

• ▍Revenue KRW 3.23T
• ▍Net margin 53.7%

Revenue KRW 13.07T, +1,9% YoY; Net income +14,9% YoY.

• ▍Revenue KRW 13.07T, +1,9% YoY
• ▍Net income +14,9% YoY
• ▍Free cash flow +26,9% YoY
• ▍Net margin 44.6%

Revenue KRW 12.83T, +5,3% YoY; Net income +10,5% YoY.

• ▍Revenue KRW 12.83T, +5,3% YoY
• ▍Net income +10,5% YoY
• ▍Free cash flow +7,3% YoY
• ▍Net margin 39.6%

Revenue KRW 12.18T, +5,8% YoY; Net income +10,6% YoY.

• ▍Revenue KRW 12.18T, +5,8% YoY
• ▍Net income +10,6% YoY
• ▍Free cash flow +30,3% YoY
• ▍Net margin 37.7%

Revenue KRW 11.52T, +2,5% YoY; Net income −5,8% YoY.

• ▍Revenue KRW 11.52T, +2,5% YoY
• ▍Net income −5,8% YoY
• ▍Free cash flow −29,1% YoY
• ▍Net margin 36.1%