KB Financial Group Inc (KB) Fair Value & Analysis
Financial Services · US · Market cap $37.9B · ISIN US48241A1051
What is KB Financial Group Inc really worth?
KB Financial Group Inc
KB · US
A solid business, trading 16% below our fair value of $158.27.
Strengths
Risks
For context
Fair value as of: Aug 13, 2026
From 4 valuation models · updated 22 days ago
Fair value updated Aug 13, 2026, revised from $146.66 to $158.27 (+7.9%) since Jul 26, 2026. Share price +10.3% over the past month.
What runs behind every stock
69 individual criteria per stock, every one traceable See the method →
What matters now
- For a financial, book-value and earnings-based methods matter more than a cash-flow DCF, which fits banks and insurers poorly.
- The price sits in the lower half of our model range, the side with the larger margin of safety.
- Read the verdict with care: some models are missing inputs, so the estimate scatters more than usual.
Price vs Fair Value (5 years)
White line = price, green steps = our fair value per fiscal year, dashed = 300-day average. As of Aug 13, 2026.
How to read this chart
60‑month range $25.66 – $132.36 · fair‑value band $118.70 – $197.83 · the $132.36 price screens below the $158.27 fair value. Green steps = our fair value per fiscal year (point-in-time, no hindsight). Dashed = 300-day average. As of Aug 13, 2026.
Analysis
KB Financial Group Inc (KB) currently trades at $132.36, while our model-based Fair Value estimate is $158.27, implying the stock looks roughly 16.4% undervalued today. The Quality Score stands at 51/100 (solid quality), in the Financial Services sector. How firm this estimate is: it rests on 24 models at a data quality of 80/100, which puts the evidence level at medium.
Revenue grew 15.2% year over year. It earns a return on equity of 10.0%. Net debt stands at $94.9T. The stock trades on a trailing P/E of 12.5. Fundamentals as of Aug 13, 2026
Our scenario range runs from $118.70 (bear case) to $197.83 (bull case); at $132.36, the current price sits within that range. Bear and bull are the same models run on conservative and optimistic assumptions (margins, growth, valuation multiples), so a plausible valuation range, not a price target. The share trades near its 52-week high and 78% above its 52-week low, currently above its 200-day average. For context, the median of 10 Financial Services peers we cover trades at −10% fair-value upside, at 20%, KB screens cheaper than that median.
Fair Value models
Each model estimates fair value its own way; the Fair Value above is the evidence-weighted, family-balanced blend. Evidence (0–100) measures how completely this model’s inputs are available: well-fed models carry more weight in the blend. The spread across models is intentional, each one stresses a different value driver; dividend models, for instance, come out structurally low when payout is small. Every input is real reported data, nothing guessed.
All 4 models by family
Widest divergence: Multiples ($214,433) versus Asset-Based ($115,929). Highest evidence: Residual Income (70).
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Key figures & financial health
More key figures
Figures from reported company fundamentals · as of Aug 13, 2026. TTM = trailing twelve months.
Quality Score breakdown
Of which business quality 47 · Market factors (momentum, volatility) 84
Non-valuation factor families (profitability, growth, cashflow, financial strength, momentum …), each academically grounded. Valuation itself sits in the Fair Value and is deliberately excluded here to avoid double-counting.
All values are scores from 0 to 100 (100 = best against fixed, research-based bands), not percentages. The three market factors (momentum, 52-week proximity, low volatility) are displayed but carry zero weight in the headline number: market sentiment is not a business property.
About the company
KB Financial Group Inc. provides financial products and services in South Korea, the United States, New Zealand, China, Cambodia, the United Kingdom, Indonesia, and internationally.
Full company description
KB Financial Group Inc. provides financial products and services in South Korea, the United States, New Zealand, China, Cambodia, the United Kingdom, Indonesia, and internationally. The company offers deposit products, such as demand and time deposits, certificates of deposit, foreign currency deposits, and savings deposits for housing subscription; loan products, including mortgage loans to finance home purchases, construction, improvements, or rentals; and home equity loans, overdraft loans, and other consumer loans. It also provides debit and credit cards; working capital loans and facility loans; mortgage loans to home builders or developers; securities underwriting; financing and financial advisory services for mergers and acquisitions; project finance and financial advisory services for social overhead capital projects such as highway, port, power, water, and sewage projects; financing and financial advisory services for real estate development projects; and structured finance. In addition, the company offers brokerage services for stocks, futures, options, equity, derivative-linked securities, and debt instruments; foreign exchange services and derivatives dealing; import and export-related services; offshore lending, syndicated loans, and foreign currency securities investment; and trust account management services. Further, it provides long-term insurance products, automobile insurance products, and general property and casualty insurance products; life insurance comprising annuities, savings insurance, variable life insurance, whole life insurance, term life insurance, and health insurance; bancassurance; consumer finance services; and mortgage financing and construction loans. Additionally, the company is involved in real estate trust management; capital investment; and software advisory, development, and supply. KB Financial Group Inc. was founded in 1963 and is headquartered in Seoul, South Korea.
Company description, as reported by the company or data provider.
Revenue & earnings trend
FY2021 – FY2025 · reported fiscal years
KB Financial Group Inc reported revenue of $50.7T in FY2025 versus $21.0T in FY2021, a compound +24.7%/yr. Reported net income was $5.9T in FY2025, compounding +7.3%/yr from FY2021.
of which total revenue +13.6 % · buybacks/dilution +0.0 %
Annual growth per factor. These are factors, not summands: multiplied they give the EPS growth rate, added they do not quite. Start and end points are 3-year averages (details on hover).
Watch KB: get an alert when its fair value changes →
Recent news
External third-party headlines (Yahoo Finance, Reuters and others), not an editorial selection.
- Recent Price Trend in KB Financial (KB) is Your Friend, Here's Why
- KB Financial (KB) Could Be a Great Choice
- KB Financial (KB) Is a Great Choice for 'Trend' Investors, Here's Why
- AM Best Affirms Credit Ratings of PT KB Insurance Indonesia
Peer Group
Banks - Regional · 1071 stocks
How this stock ranks against its industry: the green marker is this stock, the band is the typical 25–75% peer range, and the tick is the median.
Valuation Multiples vs Banks - Regional median · lower = cheaper
Strength profile in five axes (Snowflake)
Five quick dimensions, each 0 to 100: VALUE (fair-value potential), FUTURE (revenue growth), PAST (return on equity), HEALTH (low debt), DIVIDEND (yield). Green = this stock, grey = typical sector peer.
Insider activity: 40/100
Values & ESG
Does this company touch areas you may want to avoid? The classification is inferred from sector and industry.
Similar stocks
10 more Banks - Regional stocks, each showing price versus our Fair Value estimate (as of Aug 13, 2026).
| Stock | Price | Fair Value | vs Fair Value |
|---|---|---|---|
| DBS Group D05 | 75.65 SGD | 40.48 SGD | −46% |
| China Merchants Bank Co 3968 | HK$47.96 | HK$76.51 | +60% |
| Intesa Sanpaolo S.p.A ISP | €6.78 | €5.66 | −17% |
| HDFC Bank Limited HDB | $23.17 | $24.12 | +4% |
| BNP Paribas SA BNP | €102.56 | €144.64 | +41% |
| UniCredit S.p.A UCG | €84.71 | €77.62 | −8% |
| Mizuho Financial Group MFG | $10.74 | $9.69 | −10% |
| ICICI Bank Limited ICICIBANK | ₹1,443 | ₹835.21 | −42% |
| Oversea-Chinese Banking Corporation O39 | 31.07 SGD | 19.80 SGD | −36% |
| CaixaBank, S.A CABK | €13.52 | €8.85 | −35% |
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