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KB Financial GroupKB +3.67%73 Cash-to-Debt is 0.32 as of Jun. 2026, which is 19% above its 10-year median of 0.27. GuruFocus rates KB with a GF Score™ of 73/100 and a GF Value™ of $66.36 (Significantly Overvalued). The stock has 2 warning signs investors should review. Among 1,489 Banks companies, KB Financial Group ranks worse than 83.68% on this metric.
Cash to Debt Ratio measures the financial strength of a company. It is calculated as a company's cash, cash equivalents, and marketable securities divide by its debt. KB Financial Group's cash to debt ratio for the quarter that ended in Jun. 2026 was 0.32.
If Cash to Debt ratio is less than 1, the company cannot pay off its debt using the cash in hand. Here we can see, KB Financial Groupcouldn't pay off its debt using the cash in hand for the quarter that ended in Jun. 2026.
The historical rank and industry rank for KB Financial Group's Cash-to-Debt or its related term are showing as below:
KB'
s Cash-to-Debt Range Over the Past 10 Years
Min: 0.2 Med: 0.27 Max: 0.37
Current: 0.32
During the past 13 years, KB Financial Group's highest Cash to Debt Ratio was 0.37. The lowest was 0.20. And the median was 0.27.
KB's Cash-to-Debt is ranked worse than 83.68% of 1489
companies
in the Banks industry
Industry Median: 1.4
vs KB: 0.32
KB Financial Group (NYSE:KB) Cash-to-Debt Explanation
If Cash to Debt ratio is greater than 1, the company can pay off its debt using the cash in hand. If it is smaller than 1, it means the company has more debt than the cash in hands. In this case, it is important to look the the company's Interest Coverage. Ben Graham requires that a company must have an Interest Coverage of at least 5.
KB Financial Group Cash-to-Debt Related Terms
KB Financial Group Cash-to-Debt Historical Data
* Premium members only.
The historical data trend for KB Financial Group's Cash-to-Debt can be seen below:
* For Operating Data section: All numbers are indicated by the unit behind each term and all currency related amount are in USD. * For other sections: All numbers are in millions except for per share data, ratio, and percentage. All currency related amount are indicated in the company's associated stock exchange currency.
Note: An indication of "No Debt" does not necessarily mean that the company has no debt obligations; it could be due to missing data in the quarterly or annual report. Use caution when interpreting this information.
KB Financial Group Cash-to-Debt Competitor Comparison
For the Banks - Regional subindustry, KB Financial Group's Cash-to-Debt, along with its competitors' market caps and Cash-to-Debt data, can be viewed below:
* Competitive companies are chosen from companies within the same industry, with headquarter located in same country, with closest market capitalization; x-axis shows the market cap, and y-axis shows the term value; the bigger the dot, the larger the market cap. Note that "N/A" values will not show up in the chart.
KB Financial Group Cash-to-Debt vs Banks Industry
For the Banks industry and Financial Services sector, KB Financial Group's Cash-to-Debt distribution charts can be found below:
* The bar in red indicates where KB Financial Group's Cash-to-Debt falls into.
* For Operating Data section: All numbers are indicated by the unit behind each term and all currency related amount are in USD. * For other sections: All numbers are in millions except for per share data, ratio, and percentage. All currency related amount are indicated in the company's associated stock exchange currency.
KB Financial Group (KB) has a Cash-to-Debt of 0.32 as of Jun. 2026. This is 19% above median its historical median of 0.27. Over the past decade, KB Financial Group's Cash-to-Debt has ranged from 0.20 to 0.37. According to the industry distribution chart, KB Financial Group ranks #1246 out of 1489 companies in the Banks industry, placing it in the top 83.7%.
Is KB Financial Group's Cash-to-Debt too high?
KB Financial Group's current Cash-to-Debt of 0.32 is 19% above median its 10-year median of 0.27. Over the past 10 years, this metric has ranged from a low of 0.20 to a high of 0.37. The Banks industry median Cash-to-Debt is 1.40. KB Financial Group's value of 0.32 is 77.1% below this industry median. Based on the distribution chart, KB Financial Group ranks #1246 out of 1489 companies in the Banks industry, which is in the bottom quartile relative to peers. Overall, KB Financial Group has a GF Score™ of 73/100 and is considered Significantly Overvalued, reflecting its overall financial health beyond just this single metric.
How does KB Financial Group's Cash-to-Debt compare to competitors?
According to the Banks industry distribution chart, KB Financial Group ranks #1246 out of 1489 companies for Cash-to-Debt. This places KB Financial Group in the lower half of its industry. The industry median Cash-to-Debt is 1.40. KB Financial Group's value of 0.32 is 77.1% below this benchmark. Historically, KB Financial Group's own Cash-to-Debt has ranged from 0.20 to 0.37 over the past decade. While the company's 10-year median is 0.27 vs. the industry median of 1.40, KB Financial Group has consistently been below the industry average. See the competitive comparison table and distribution chart on this page for a detailed peer-by-peer breakdown.
What is a good Cash-to-Debt for a Banks company?
The median Cash-to-Debt among Banks companies is 1.40, based on 1,489 companies in the industry. Companies in the top quartile (top 25%) have a Cash-to-Debt significantly above this median, while those in the bottom quartile fall well below. However, Cash-to-Debt should not be evaluated in isolation — investors should consider it alongside profitability, growth, and financial strength metrics. KB Financial Group's current Cash-to-Debt of 0.32 is 77.1% below the industry median. Use the industry distribution chart on this page to see where any company falls relative to its peers.
What does a high Cash-to-Debt mean?
A high Cash-to-Debt can signal that a stock is expensive relative to its fundamentals. For the Banks industry, the median Cash-to-Debt is 1.40 — values significantly above this may indicate overvaluation, while values below may suggest a bargain or underlying issues. KB Financial Group's current Cash-to-Debt is 0.32, which is 19% above median its own 10-year median of 0.27. However, context matters — high-growth companies often justify higher valuations. Always evaluate alongside other metrics like GF Score™ and GF Value™.
Is KB Financial Group stock overvalued right now?
Based on GuruFocus' analysis, KB Financial Group (KB) is currently considered Significantly Overvalued. The stock's GF Value™ is $66.36, compared to a current price of $117.40 — trading 76.9% above its estimated fair value. The current Cash-to-Debt is 0.32, which is 19% above median its 10-year median of 0.27 and 77.1% below the Banks industry median of 1.40. KB Financial Group's overall GF Score™ is 73/100 with 2 warning signs to review. Investors should evaluate multiple metrics — including profitability, growth, and financial strength — before making a decision.
How is Cash-to-Debt calculated?
Cash-to-Debt is calculated from a company's financial statements. For KB Financial Group (KB), the current Cash-to-Debt is 0.32 as of Jun. 2026. GuruFocus calculates this using data sourced from SEC filings and annual reports. See the calculation section and 30-year financial data on this page for the full breakdown.
Is KB Financial Group (KB) Overvalued in 2026?
Based on GuruFocus' analysis, KB Financial Group stock appears to be overvalued.
The current stock price of $117.40 is trading 76.9% above its estimated GF Value™ of $66.36.
GuruFocus considers KB Financial Group to be Significantly Overvalued.
Key valuation signals for KB:
Cash-to-Debt: 0.32 (19% above median its 10-year median of 0.27)
GF Value™: $66.36 vs. price of $117.40 (76.9% above fair value)
Industry Position: 77.1% below the Banks median (#1246 of 1489)
No single metric tells the full story. See the KB stock analysis page for a complete view including 30-year financials, guru trades, and insider activity.
KB Financial Group Inc. is a financial holding company in Korea. The company operations include Kookmin Bank, one of the commercial banks in Korea. The company's subsidiaries collectively engage in a broad range of businesses, including commercial banking, credit cards, asset management, non-life and life insurance, capital markets activities, and international banking and finance. The company's segments include the Banking business, Securities business, Non-life Insurance business, Credit card business, and Life Insurance business. The Group generates the majority of its revenue from the Banking business.
73GF Score
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