KB Financial Financials

KB Stock  USD 52.07  0.61  1.19%   
Based on the analysis of KB Financial's profitability, liquidity, and operating efficiency, KB Financial Group is doing better financially then in previous quarter. It has a moderate probability of reporting better financial numbers in April. At present, KB Financial's Short and Long Term Debt Total is projected to increase significantly based on the last few years of reporting. The current year's Total Stockholder Equity is expected to grow to about 54.5 T, whereas Total Assets are forecasted to decline to about 361 T. Key indicators impacting KB Financial's financial strength include:
Current ValueLast YearChange From Last Year 10 Year Trend
Net Profit Margin0.150.0929
Way Up
Pretty Stable
Return On Assets0.00740.0062
Fairly Up
Pretty Stable
Return On Equity0.110.0857
Significantly Up
Pretty Stable
Debt Equity Ratio3.612.7754
Significantly Up
Slightly volatile
Current Ratio0.180.1871
Sufficiently Down
Pretty Stable
The financial analysis of KB Financial is a critical element in measuring its lifeblood. The essential information of the day-to-day investment outlook for KB Financial includes many different criteria found on its balance sheet. For example, investors should never minimize KB Financial's ability to pay suppliers or employees on time, making sure interest payments are not accumulating or correctly timing where and how to re-invest extra cash. Any individual investor needs to monitor KB Financial's cash flow, debt, and profitability to effectively and accurately make more informed decisions on whether to invest in KB Financial.

Net Income

2.28 Trillion

With this module, you can analyze KB Financial financials for your investing period. You should be able to track the changes in KB Financial individual financial statements over time to develop the understanding of its risk, liquidity, profitability, or other critical and vital indicators.
  
Understanding current and past KB Financial Financials, including the trends in assets, liabilities, equity and income are directly related to making proper and timely investing decisions. All of KB Financial's financial statements are interrelated, with each one affecting the others. For example, an increase in KB Financial's assets may result in an increase in income on the income statement.
Evaluating KB Financial's financials involves analyzing a range of financial metrics and ratios to gain insights into the company's financial health and performance. However, considering all of KB Financial's profitability, liquidity ratios, and efficiency indicators at the same time could be an enormous task, and our Financial Distress score can provide you with a snapshot of the KB Financial's relative financial performance

Chance Of Distress

Less than 3

 
100  
 
Zero
Very Low
KB Financial Group has less than 3 (%) percent chance of experiencing financial distress in the next two years of operations. The calculation of odds of distress for KB Financial stock is tightly coupled with the Probability of Bankruptcy. It complements the equity performance score by supplying investors with insight into company financials without requiring them to know too much about all of the complex accounting and financial indicators surrounding the entity.
Please note, KB Financial's odds of distress score SHOULD NOT be confused with the real chance of KB Financial Group filing for bankruptcy protection for chapters 7, 11, 12, or 13. We define Financial Distress as an operational condition where an entity such as KB Financial is having difficulty meeting its current financial obligations towards its creditors or delivering on the expectations of its investors. Macroaxis derives these conditions daily from public financial statements and analysis of stock prices reacting to market conditions or economic downturns, including short-term and long-term historical volatility. Other factors considered include KB Financial's liquidity analysis, revenue patterns, R&D expenses, and commitments, as well as public headlines and social sentiment.
More Info
The data published in KB Financial's official financial statements usually reflect KB Financial's business processes, product offerings, services, and other fundamental events. But there are other numbers, ratios, or fundamental indicators derived from these statements that are easier to understand and visualize within the underlying realities that drive quantitative information of KB Financial Group. For example, before you start analyzing numbers published by KB Financial accountants, it's critical to develop an understanding of what KB Financial's liquidity, profitability, and earnings quality are in the context of the Banks space in which it operates.
Please note, the presentation of KB Financial's financial position, as portrayed in its financial statements, is often influenced by management's estimates, judgments, and sometimes even manipulations. In the best case, KB Financial's management is honest, while the outside auditors are strict and uncompromising. Whatever the case, the imprecision that can be found in KB Financial's accounting process means that the reasonable investor should take a skeptical approach toward the financial statement analysis of KB Financial Group. Please utilize our Beneish M Score to check the likelihood of KB Financial's management manipulating its earnings.

KB Financial Company Summary

KB Financial competes with Merchants Bancorp, Regions Financial, and Regions Financial. KB Financial Group Inc. provides a range of banking and related financial services to consumers and corporations in South Korea and internationally. The company was incorporated in 2008 and is headquartered in Seoul, South Korea. KB Financial is traded on New York Stock Exchange in the United States.
Specialization
Financial Services, Banks - Regional
InstrumentUSA Stock View All
ExchangeNew York Stock Exchange
ISINUS48241A1051
CUSIP48241A105 50049M109
LocationRepublic Of Korea
Business Address26, Gukjegeumyung-ro 8-gil,
SectorBanks
IndustryFinancials
BenchmarkNYSE Composite
Websitewww.kbfg.com
Phone82 2 2073 7114
CurrencyUSD - US Dollar
You should never invest in KB Financial without having analyzed its financial statements. Do not rely on someone else's analysis or guesses about the future performance of KB Financial Stock, because this is throwing your money away. Analyzing the key information contained in KB Financial's financial statements can give you an edge over other investors and help to ensure that your investments perform well for you.

KB Financial Key Financial Ratios

Generally speaking, KB Financial's financial ratios allow both analysts and investors to convert raw data from KB Financial's financial statements into concise, actionable information that can be used to evaluate the performance of KB Financial over time and compare it to other companies across industries. There are many critical financial ratios that investors are exposed to on a daily basis, but they are usually grouped into few meaningful categories from each financial statement that KB Financial Group reports annually and quarterly.

KB Financial Key Balance Sheet Accounts

201920202021202220232024 (projected)
Total Assets518.5T610.7T663.9T701.2T715.7T361.0T
Net Debt67.9T63.6T71.4T108.4T161.2T169.3T
Retained Earnings19.7T22.5T25.7T28.5T30.0T31.5T
Cash20.8T26.7T32.1T32.1T(16.8T)(16.0T)
Other Assets363.9T339.7T381.8T420.2T715.7T751.5T
Net Receivables19.1B12.5T8.8T204.7B235.4B223.6B
Total Liab479.4T92.4T105.8T651.5T661.9T695.0T
Total Current Assets20.9T101.0T101.2T90.6T51.7T54.3T
Other Liab56.3T86.2T102.8T87.9T101.1T106.2T
Accounts Payable432.8B8.6T12.3T8.3T3.6T3.4T
Long Term Debt75.3T89.8T124.3T140.4T161.5T169.6T
Short Term Debt432.8B65.7T75.5T92.1T88.1T92.5T
Other Current Liab(432.8B)(74.4T)204.3T(101.2T)184.2T193.4T
Other Current Assets32.1T44.5T44.8T52.0T51.7T49.1T
Intangible Assets2.5T2.6T2.5T2.4T2.7T2.8T
Inventory(32.1T)(44.5T)(44.8T)(52.0T)(46.8T)(44.4T)
Good Will275.7B763.6B806.4B845.2B867.0B450.9B
Net Tangible Assets35.8T39.2T44.2T45.2T51.9T31.6T
Long Term Debt Total75.9T95.6T108.9T140.4T161.5T169.6T
Capital Surpluse17.6T17.2T17.4T16.9T19.5T16.9T

KB Financial Key Income Statement Accounts

An income statement is very similar to a cash flow statement, but instead of showing net revenue minus expenses, it only includes earnings before interest and taxes (EBIT). This number does not have all of the same line items that are on a cash flow statement, but it leaves out non-cash expenses like depreciation and amortization. For example, if you bought $100 worth of goods from Walmart (WMT) using your debit card that has an interest rate of 20%, then paid off the balance at the end of the month with a credit card that charges 30% interest, you would have an income statement showing EBIT of $80 because your expenses are lower than the amount that went into your pocket. The other reason investors look at the income statement is to determine what KB Financial's earnings per share (EPS) will be in order to see if they want to buy more shares or not. For example, if a company earned $20 million in the last quarter and has 100,000 shares outstanding, its EPS is 20 cents. If you find that this number beats analysts' forecasts or is higher than it was from the same period last year, then you might want to buy more of this stock even though its price per share may not have changed.
201920202021202220232024 (projected)
Interest Expense5.4T4.8T4.0T7.7T4.8T4.5T
Total Revenue12.5T15.1T17.0T16.7T47.8T50.2T
Gross Profit12.5T15.1T17.0T16.7T77.8T81.7T
Operating Income4.5T4.7T6.1T(1.0T)77.8T81.7T
Ebit4.5T4.7T6.1T(1.0T)(83.3B)(79.1B)
Ebitda5.5T5.8T7.1T4.4B1.5T1.4T
Income Before Tax4.5T4.8T6.1T5.8T6.1T3.1T
Net Income3.3T3.5T4.4T4.4T4.4T2.3T
Income Tax Expense1.2T1.3T1.7T1.6T1.6T826.1B
Minority Interest585.4B857.8B25.2B221.6B253.8B128.7B
Tax Provision1.2T1.3T1.7T1.6T1.8T1.3T
Net Interest Income9.2T9.7T11.2T13.1T13.6T10.6T
Interest Income14.6T14.5T15.2T20.8T27.8T16.9T

KB Financial Key Cash Accounts

Cash flow analysis captures how much money flows into and out of KB Financial Group. It measures of how well KB Financial is doing because it can show the actual money that comes into and out of the Company from sales instead of measuring expenses against revenue to determine earnings. You have to read the cash flow statement in three sections. The first section shows how much money KB Financial brought in, usually known as net revenue or sales. This is different from earnings because it does not include expenses when determining net revenue for use on this part of the cash flow statement. Next, are operating activities, which show how much money KB Financial had leftover after paying for its expenses. This number can be calculated in two ways: by subtracting the total of all operating expenses from net revenue or by adding up changes to cash and other assets or liabilities on this part of the statement. The third section is about investing activities, which shows what KB Financial has done with the money that it received from the sale of assets or what it spent to acquire new ones. This section can be broken down into two parts: investing in existing businesses (in other words, buying more stock) and investing in non-business activities like paying off debt or making acquisitions.
201920202021202220232024 (projected)
Change In Cash(519.1B)2.6T423.4B889.3B(649.7B)(617.3B)
Free Cash Flow8.5T(12.1T)(7.2T)5.2T13.0T13.7T
Depreciation976.9B1.0T1.0T1.0T1.6T1.7T
Other Non Cash Items2.2T3.5T3.7T4.2T(3.8T)(3.6T)
Capital Expenditures942.3B607.7B478.3B534.2B680.6B428.7B
Net Income3.3T3.5T4.4T4.2T4.4T2.3T
End Period Cash Flow6.1T8.7T9.1T26.2T(649.7B)(617.3B)
Dividends Paid759.7B861.1B981.9B1.4T(1.2T)(1.1T)
Change To Netincome2.4T3.8T4.5T4.1T4.7T4.9T
Investments(12.3T)(11.0T)(3.9T)(20.3T)(18.3T)(17.3T)
Net Borrowings2.3T22.4T12.0T15.4T17.7T9.1T

KB Financial Financial Ratios Relationships

Comparative valuation techniques use various fundamental indicators to help in determining KB Financial's current stock value. Our valuation model uses many indicators to compare KB Financial value to that of its competitors to determine the firm's financial worth. You can analyze the relationship between different fundamental ratios across KB Financial competition to find correlations between indicators driving KB Financial's intrinsic value. More Info.
KB Financial Group is currently regarded as number one stock in net income category among related companies. It is considered the number one company in total debt category among related companies making up about  32.47  of Total Debt per Net Income. At present, KB Financial's Net Income is projected to increase significantly based on the last few years of reporting.. Comparative valuation analysis is a catch-all model that can be used if you cannot value KB Financial by discounting back its dividends or cash flows. This model doesn't attempt to find an intrinsic value for KB Financial's Stock . Still, instead, it compares the stock's price multiples to a benchmark or nearest competition to determine if the stock is relatively undervalued or overvalued. The reason why the comparable model can be used in almost all circumstances is due to the vast number of multiples that can be utilized, such as the price-to-earnings (P/E), price-to-book (P/B), price-to-sales (P/S), price-to-cash flow (P/CF), and many others. The P/E ratio is the most commonly used of these ratios because it focuses on the KB Financial's earnings, one of the primary drivers of an investment's value.

KB Financial Group Systematic Risk

KB Financial's systematic risk plays a vital role in portfolio allocation when considering its stock to be added to a well-diversified portfolio. KB Financial volatility which cannot be eliminated through diversification, requires returns over the risk-free rate. Over the long run, a well-diversified portfolio provides returns that match its exposure to systematic risk. In this case, investors face a trade-off between expected returns and systematic risk and, therefore, can only reduce a portfolio's exposure to systematic risk by sacrificing expected returns on the portfolio.
Incorrect Input. Please change your parameters or increase the time horizon required for running this function. The output start index for this execution was zero with a total number of output elements of zero. The Beta measures systematic risk based on how returns on KB Financial Group correlated with the market. If Beta is less than 0 KB Financial generally moves in the opposite direction as compared to the market. If KB Financial Beta is about zero movement of price series is uncorrelated with the movement of the benchmark. if Beta is between zero and one KB Financial Group is generally moves in the same direction as, but less than the movement of the market. For Beta = 1 movement of KB Financial is generally in the same direction as the market. If Beta > 1 KB Financial moves generally in the same direction as, but more than the movement of the benchmark.

About KB Financial Financials

What exactly are KB Financial Financials? Typically, a company's financial statements are the reports that show the financial position of the company. Three primary documents fall into the category of financial statements. These documents include KB Financial's income statement, its balance sheet, and the statement of cash flows. Potential KB Financial investors and stakeholders use financial statements to determine how well the company is positioned to perform in the future. Although KB Financial investors may use each financial statement separately, they are all related. The changes in KB Financial's assets and liabilities, for example, are also reflected in the revenues and expenses that we see on KB Financial's income statement, which results in the company's gains or losses. Cash flows can provide more information regarding cash listed on a balance sheet, but not equivalent to net income shown on the income statement. Please read more on our technical analysis and fundamental analysis pages.

Steps to analyze KB Financial Financials for Investing

There are several different ways that investors can use financial statements to try and predict whether a stock price will go up or down. Unfortunately, there is no surefire formula, but there are some general guidelines you should consider when looking at the numbers. First, realize what kind of company it is so you know if its revenues are more likely to grow or shrink over time. For example, a software company's revenue is expected to increase yearly due to new products and services that its customers will want to buy. At the same time, a car manufacturer might not be able to sell as many cars when the economy slows down, so it would have less net income during those times. Second, pay attention to its debt-to-equity ratio because this number will tell you how much risk it has. If a company such as KB Financial is not taking on any additional risks, its debt-to-equity should be less than one. As a general rule of thumb, if the market value or book value (which can be found in the footnotes) of assets exceeds the company's liabilities, then it is probably in good shape. Finally, use other financial statements to determine if a stock price will go up or down because investors are always looking for growth opportunities when they buy new stocks. For example, if you see that the net revenue of KB Financial has grown by more than 25% over the last five years, then there is a good chance that it will continue growing by at least 20% or more each year. On the other hand, if you see that net revenue has only increased by about 15%, which is barely above inflation levels, then chances are it will not grow much faster than this over time, and investors may shy away from buying it.
In summary, you can determine if KB Financial's financials are consistent with your investment objective using the following steps:
  • Review KB Financial's balance sheet accounts, such as liabilities and equity, to understand its overall financial position.
  • Analyze the income statement and examine the company's revenue, expenses, and profits over time to determine its financial performance.
  • Study the cash flow inflows and outflows to understand KB Financial's liquidity and solvency.
  • Look at the growth rates in revenue, earnings, and cash flow over time to determine its potential for future growth.
  • Compare KB Financial's financials to those of its peers to see how it stacks up and identify any potential red flags.
  • Use valuation ratios to evaluate the company's financials using commonly used ratios such as the price-to-earnings (P/E) ratio, price-to-sales (P/S) ratio, and enterprise value-to-earnings before interest, taxes, depreciation, and amortization (EV/EBITDA) ratio to determine if KB Financial's stock is overvalued or undervalued.
Remember, these are just guidelines and should not be the only basis for investment decisions. It is always important to analyze the leading stock market indicators., conduct additional research and seek professional advice if needed.

KB Financial Thematic Clasifications

KB Financial Group is part of Banking investing theme. If you are a theme-oriented, socially responsible, and at the same time, a result-driven investor, you can align your investing habits with your values without jeopardizing your expectations about returns. You can easily create an optimal portfolio of stocks, ETFs, funds, or cryptocurrencies based on a specific theme of your liking. USA Equities from Banking industry as classified by Fama & French. Fama and French investing themes focus on testing asset pricing under different economic assumptions
BankingView
This theme covers USA Equities from Banking industry as classified by Fama & French. Fama and French investing themes focus on testing asset pricing under different economic assumptions. Get More Thematic Ideas
Today, most investors in KB Financial Stock are looking for potential investment opportunities by analyzing not only static indicators but also various KB Financial's growth ratios. Consistent increases or decreases in fundamental ratios usually indicate a possible pattern that can be successfully translated into profits. However, when comparing two companies, knowing each company's growth growth rates may not be enough to decide which company is a better investment. That's why investors frequently use static breakdown of KB Financial growth as a starting point in their analysis.

Price Earnings To Growth Ratio

0.85

At present, KB Financial's Price Earnings To Growth Ratio is projected to increase slightly based on the last few years of reporting.

KB Financial March 29, 2024 Opportunity Range

Along with financial statement analysis, the daily predictive indicators of KB Financial help investors to analyze its daily demand and supply, volume, patterns, and price swings to determine the real value of KB Financial Group. We use our internally-developed statistical techniques to arrive at the intrinsic value of KB Financial Group based on widely used predictive technical indicators. In general, we focus on analyzing KB Financial Stock price patterns and their correlations with different microeconomic environment and drivers. We also apply predictive analytics to build KB Financial's daily price indicators and compare them against related drivers.
When determining whether KB Financial Group offers a strong return on investment in its stock, a comprehensive analysis is essential. The process typically begins with a thorough review of KB Financial's financial statements, including income statements, balance sheets, and cash flow statements, to assess its financial health. Key financial ratios are used to gauge profitability, efficiency, and growth potential of Kb Financial Group Stock. Outlined below are crucial reports that will aid in making a well-informed decision on Kb Financial Group Stock:
Check out Correlation Analysis to better understand how to build diversified portfolios, which includes a position in KB Financial Group. Also, note that the market value of any company could be tightly coupled with the direction of predictive economic indicators such as signals in bureau of labor statistics.
Note that the KB Financial Group information on this page should be used as a complementary analysis to other KB Financial's statistical models used to find the right mix of equity instruments to add to your existing portfolios or create a brand new portfolio. You can also try the Price Ceiling Movement module to calculate and plot Price Ceiling Movement for different equity instruments.

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When running KB Financial's price analysis, check to measure KB Financial's market volatility, profitability, liquidity, solvency, efficiency, growth potential, financial leverage, and other vital indicators. We have many different tools that can be utilized to determine how healthy KB Financial is operating at the current time. Most of KB Financial's value examination focuses on studying past and present price action to predict the probability of KB Financial's future price movements. You can analyze the entity against its peers and the financial market as a whole to determine factors that move KB Financial's price. Additionally, you may evaluate how the addition of KB Financial to your portfolios can decrease your overall portfolio volatility.
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Is KB Financial's industry expected to grow? Or is there an opportunity to expand the business' product line in the future? Factors like these will boost the valuation of KB Financial. If investors know KB Financial will grow in the future, the company's valuation will be higher. The financial industry is built on trying to define current growth potential and future valuation accurately. All the valuation information about KB Financial listed above have to be considered, but the key to understanding future value is determining which factors weigh more heavily than others.
Quarterly Earnings Growth
1.932
Dividend Share
3.1 K
Earnings Share
8.6
Revenue Per Share
8.5 K
Quarterly Revenue Growth
(0.07)
The market value of KB Financial Group is measured differently than its book value, which is the value of KB Financial that is recorded on the company's balance sheet. Investors also form their own opinion of KB Financial's value that differs from its market value or its book value, called intrinsic value, which is KB Financial's true underlying value. Investors use various methods to calculate intrinsic value and buy a stock when its market value falls below its intrinsic value. Because KB Financial's market value can be influenced by many factors that don't directly affect KB Financial's underlying business (such as a pandemic or basic market pessimism), market value can vary widely from intrinsic value.
Please note, there is a significant difference between KB Financial's value and its price as these two are different measures arrived at by different means. Investors typically determine if KB Financial is a good investment by looking at such factors as earnings, sales, fundamental and technical indicators, competition as well as analyst projections. However, KB Financial's price is the amount at which it trades on the open market and represents the number that a seller and buyer find agreeable to each party.