KB Financial is the parent company of KB Kookmin Bank, Korea's largest commercial bank, with a 12.8% share of loans as of 2022. Its predecessor banks were established in the 1960s as government policy banks and privatized in the 1990s. Its credit card subsidiary KB Kookmin Card is the number-three player behind Shinhan Card and Samsung Card. KB has in recent years expanded its nonbank business by buying LIG Insurance and Hyundai Securities, making KB a top-five player in nonlife insurance and in securities, and most recently by buying Prudential Life Insurance Korea. It also has KB Capital, which provides leasing and installment finance.

Financial Strength

2/10

Name	Current	Vs Industry	Vs History
Cash-To-Debt	0.23
Equity-to-Asset	0.08
Debt-to-Equity	2.44
Debt-to-EBITDA	N/A	N/A	N/A
Interest Coverage	N/A	N/A	N/A
Piotroski F-Score	6/9	0 1 2 3 4 5 6 7 8 9
Beneish M-Score	-2.32	Manipulator Not Manipulator
WACC vs ROIC		WACC ROIC

Growth Rank

2/10

	Name	Current	Vs Industry		Vs History
	3-Year Revenue Growth Rate	9.9
	3-Year EPS without NRI Growth Rate	7.5
	3-Year FCF Growth Rate	-15.6
	3-Year Book Growth Rate	7.9
	Future 3-5Y EPS without NRI Growth Rate	8.35

Momentum Rank

3/10

	Name	Current	Vs Industry		Vs History
	5-Day RSI	63.47
	9-Day RSI	56.17
	14-Day RSI	53.25
	6-1 Month Momentum %	32.35
	12-1 Month Momentum %	44.72

Liquidity Ratio

	Name	Current	Vs Industry		Vs History

Dividend & Buy Back

	Name	Current	Vs Industry		Vs History
	Dividend Yield %	4.44
	Dividend Payout Ratio	0.28
	3-Year Dividend Growth Rate	10.1
	Forward Dividend Yield %	8.88
	5-Year Yield-on-Cost %	7.02
	Shareholder Yield %	-35.04

Profitability Rank

5/10

	Name	Current	Vs Industry		Vs History
	Net Margin %	22.83
	FCF Margin %	55.82
	ROE %	8.98
	ROA %	0.67
	Years of Profitability over Past 10-Year	10

GF Value Rank

5/10

	Name	Current	Vs Industry		Vs History
	PE Ratio	6.45
	PE Ratio without NRI	6.45
	Shiller PE Ratio	7.84
	Price-to-Owner-Earnings	1.87
	PEG Ratio	0.75
	PS Ratio	1.31
	PB Ratio	0.46
	Price-to-Tangible-Book	0.48
	Price-to-Free-Cash-Flow	2.25
	Price-to-Operating-Cash-Flow	2.13
	EV-to-Revenue	6.53
	EV-to-Forward-Revenue	9.8
	EV-to-FCF	11.69
	Price-to-Projected-FCF	0.79
	Price-to-Median-PS-Value	0.92
	Price-to-Peter-Lynch-Fair-Value	0.63
	Price-to-Graham-Number	0.37
	FCF Yield %	44.04
	Forward Rate of Return (Yacktman) %	13.6

GF Value: ₩61564.39

XKRX:105560

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