KB Financial Group (BUE:KB) Cyclically Adjusted FCF per Share: ARS949.18 (As of Mar. 2026)

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BUE:KB KB Financial Group Inc BUE:KB
40 GF Score
Price ARS94,375.00
GF Value ARS48,454.71
Valuation Significantly Overvalued
! 6 Warning Signs
View Full Analysis

What is KB Financial Group Cyclically Adjusted FCF per Share?

KB Financial Group BUE:KB +0.37% 40 Cyclically Adjusted FCF per Share is ARS949.18 as of Mar. 2026. GuruFocus rates BUE:KB with a GF Score™ of 40/100 and a GF Value™ of ARS48,454.71 (Significantly Overvalued). The stock has 6 warning signs investors should review.

E10 is a concept invented by Prof. Robert Shiller, who uses E10 for his Shiller PE Ratio calculation. E10 is the average of the inflation adjusted earnings of a company over the past 10 years. The similar calculation is applied by GuruFocus to calculate the Cyclically Adjusted FCF per Share and the Cyclically Adjusted Price-to-FCF. The Cyclically Adjusted FCF per Share is the average of the inflation adjusted Free Cash Flow per Share of a company over the past 10 years.

KB Financial Group's adjusted free cash flow per share for the three months ended in Mar. 2026 was ARS7,606.024. Add all the adjusted free cash flow per share for the past 10 years together and divide the count will get our Cyclically Adjusted FCF per Share, which is ARS949.18 for the trailing ten years ended in Mar. 2026.

During the past 12 months, KB Financial Group's average Cyclically Adjusted FCF Growth Rate was -25.70% per year. Please click Growth Rate Calculation Example (GuruFocus) to see how GuruFocus calculates Wal-Mart Stores Inc (WMT)'s revenue growth rate. You can apply the same method to get the Cyclically Adjusted FCF Growth Rate using Cyclically Adjusted FCF per Share data.

During the past 13 years, the highest 3-Year average Cyclically Adjusted FCF Growth Rate of KB Financial Group was 54.30% per year. The lowest was -63.20% per year. And the median was -4.45% per year.

As of today (2026-07-31), KB Financial Group's current stock price is ARS94375.00. KB Financial Group's Cyclically Adjusted FCF per Share for the quarter that ended in Mar. 2026 was ARS949.18. KB Financial Group's Cyclically Adjusted Price-to-FCF of today is 99.43.

During the past 13 years, the highest Cyclically Adjusted Price-to-FCF of KB Financial Group was 354.91. The lowest was 3.49. And the median was 36.47.


KB Financial Group  (BUE:KB) Cyclically Adjusted FCF per Share Explanation

If a company grows much fast than inflation, Cyclically Adjusted FCF per Share may underestimate the company's free cash flow. Cyclically Adjusted Price-to-FCF can seem to be too high even the actual Price-to-Free-Cash-Flow is low.

For the Cyclically Adjusted Price-to-FCF, the free cash flow per share of the past 10 years are inflation-adjusted and averaged. The result is used for P/FCF calculation. Since it looks at the average over the last 10 years, the Cyclically Adjusted Price-to-FCF is also called CAPFCF Ratio.

The Shiller PE Ratio was first used by professor Robert Shiller. He uses E10 for his Shiller PE Ratio calculation. E10 is the average of the inflation adjusted earnings per share of a company over the past 10 years. The similar calculation is applied by GuruFocus to calculate the Cyclically Adjusted Price-to-FCF. The Cyclically Adjusted FCF per Share is the average of the inflation adjusted free cash flow per share of a company over the past 10 years.

KB Financial Group's Cyclically Adjusted Price-to-FCF of today is calculated as

Cyclically Adjusted Price-to-FCF=Share Price/Cyclically Adjusted FCF per Share
=94375.00/949.18
=99.43

* 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.

During the past 13 years, the highest Cyclically Adjusted Price-to-FCF of KB Financial Group was 354.91. The lowest was 3.49. And the median was 36.47.


Be Aware

Cyclically Adjusted Price-to-FCF works better for cyclical companies. It gives you a better idea on the company's real free cash flow value.


KB Financial Group Cyclically Adjusted FCF per Share Related Terms


KB Financial Group Cyclically Adjusted FCF per Share Historical Data

* Premium members only.

The historical data trend for KB Financial Group's Cyclically Adjusted FCF per Share 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.

KB Financial Group Cyclically Adjusted FCF per Share Chart

KB Financial Group Annual Data
Trend Dec16 Dec17 Dec18 Dec19 Dec20 Dec21 Dec22 Dec23 Dec24 Dec25
Cyclically Adjusted FCF per Share
Get a 7-Day Free Trial Premium Member Only Premium Member Only -217.81 -226.08 -119.00 295.72 630.01

KB Financial Group Quarterly Data
Jun21 Sep21 Dec21 Mar22 Jun22 Sep22 Dec22 Mar23 Jun23 Sep23 Dec23 Mar24 Jun24 Sep24 Dec24 Mar25 Jun25 Sep25 Dec25 Mar26
Cyclically Adjusted FCF per Share Get a 7-Day Free Trial Premium Member Only Premium Member Only Premium Member Only Premium Member Only Premium Member Only Premium Member Only Premium Member Only Premium Member Only Premium Member Only Premium Member Only Premium Member Only Premium Member Only 1,118.88 800.95 -462.31 630.01 949.18

KB Financial Group Cyclically Adjusted FCF per Share Competitor Comparison

For the Banks - Regional subindustry, KB Financial Group's Cyclically Adjusted Price-to-FCF, along with its competitors' market caps and Cyclically Adjusted Price-to-FCF 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 Cyclically Adjusted Price-to-FCF vs Banks Industry

For the Banks industry and Financial Services sector, KB Financial Group's Cyclically Adjusted Price-to-FCF distribution charts can be found below:

* The bar in red indicates where KB Financial Group's Cyclically Adjusted Price-to-FCF falls into.


BUE:KB
40GF Score
KB Financial Group Inc BUE:KB
Cyclically Adjusted FCF per Share is just one metric. See GF Score™, valuation, warning signs, and more.
View Full Analysis

KB Financial Group Cyclically Adjusted FCF per Share Calculation

E10 is a concept invented by Prof. Robert Shiller, who uses E10 for his Shiller PE Ratio calculation. E10 is the average of the inflation adjusted earnings of a company over the past 10 years. The similar calculation is applied by GuruFocus to calculate the Cyclically Adjusted FCF per Share and the Cyclically Adjusted Price-to-FCF. The Cyclically Adjusted FCF per Share is the average of the inflation adjusted Free Cash Flow per Share of a company over the past 10 years.

What is Cyclically Adjusted FCF per Share? How do we calculate Cyclically Adjusted FCF per Share?

Cyclically Adjusted FCF per Share is the average of the inflation adjusted Free Cash Flow per Share of a company over the past 10 years. Let's use an example to explain.

If we want to calculate the Cyclically Adjusted FCF per Share of Wal-Mart (WMT) for Dec. 31, 2010, we need to have the inflation data and the free cash flow per share from 2001 through 2010.

We adjusted the 2001 free cash flow per share data with the total inflation from 2001 through 2010 to the equivalent free cash flow in 2010. If the total inflation from 2001 to 2010 is 40%, and Wal-Mart's free cash flow is $1 a share in 2001, then the 2001's equivalent free cash flow in 2010 is $1.4 a share. If Wal-Mart's free cash flow is $1 again in 2002, and the total inflation from 2002 through 2010 is 35%, then the equivalent 2002 free cash flow in 2010 is $1.35. So on and so forth, you get the equivalent free cash flow per share of past 10 years. Then you add them together and divided the sum by the count to get Cyclically Adjusted FCF per Share.

Please note that we use the CPI data of the country/region where the company is headquartered. If the CPI data for that country/region is not available, then we will use the CPI data of the United States as default.

For example, KB Financial Group's adjusted Free Cash Flow per Share data for the three months ended in Mar. 2026 was:

Adj_FreeCashFlowPerShare= Free Cash Flow per Share /CPI of Mar. 2026 (Change)*Current CPI (Mar. 2026)
=7606.024/125.2360*125.2360
=7,606.024

Current CPI (Mar. 2026) = 125.2360.

KB Financial Group Quarterly Data

Free Cash Flow per Share CPI Adj_FreeCashFlowPerShare
201606 175.020 100.791 217.469
201609 0.000 101.461 0.000
201612 0.000 101.561 0.000
201703 0.000 102.851 0.000
201706 0.000 102.611 0.000
201709 0.000 103.491 0.000
201712 0.000 102.991 0.000
201803 -612.497 104.101 -736.850
201806 -289.477 104.130 -348.150
201809 -193.710 105.651 -229.620
201812 112.186 104.351 134.639
201903 1,028.715 104.491 1,232.951
201906 600.283 104.881 716.785
201909 31.427 105.200 37.412
201912 -175.667 105.121 -209.280
202003 -182.167 105.354 -216.544
202006 -2,658.036 105.112 -3,166.931
202009 183.262 106.198 216.116
202012 114.907 105.765 136.060
202103 -1,514.094 107.357 -1,766.245
202106 -308.933 107.579 -359.640
202109 579.949 108.759 667.810
202112 263.759 109.676 301.178
202203 -1,387.360 111.848 -1,553.424
202206 -280.828 114.072 -308.311
202209 -205.481 114.715 -224.326
202212 5,844.883 115.179 6,355.225
202303 -1,791.623 116.507 -1,925.849
202306 4,578.368 117.182 4,893.038
202309 2,787.717 118.964 2,934.700
202312 -2,037.856 118.837 -2,147.586
202403 29,403.320 120.123 30,654.813
202406 -3,524.911 120.007 -3,678.491
202409 -12,390.111 120.861 -12,838.595
202412 -4,636.880 121.135 -4,793.853
202503 11,011.790 122.590 11,249.470
202506 3,417.007 122.611 3,490.159
202509 -37,706.854 123.402 -38,267.346
202512 39,225.514 123.939 39,635.906
202603 7,606.024 125.236 7,606.024

Add all the adjusted free cash flow per share together and divide 10 will get our Cyclically Adjusted FCF per Share.

What does a Cyclically Adjusted FCF per Share of ARS949.18 mean?
KB Financial Group (BUE:KB) has a Cyclically Adjusted FCF per Share of ARS949.18 as of Mar. 2026. Cyclically Adjusted FCF per Share represents the company's inflation-adjusted FCF per share over a 10-year period. View historical data on KB Financial Group and its competitors.
Is KB Financial Group's Cyclically Adjusted FCF per Share too high?
KB Financial Group's current Cyclically Adjusted FCF per Share is ARS949.18. Overall, KB Financial Group has a GF Score™ of 40/100 and is considered Significantly Overvalued, reflecting its overall financial health beyond just this single metric.
How does KB Financial Group's Cyclically Adjusted FCF per Share compare to competitors?
KB Financial Group's Cyclically Adjusted FCF per Share of ARS949.18 can be compared against companies in the Banks industry. See the competitive comparison table and distribution chart on this page for a detailed peer-by-peer breakdown.
What is a good Cyclically Adjusted FCF per Share for a Banks company?
A good Cyclically Adjusted FCF per Share depends on the Banks industry context. However, Cyclically Adjusted FCF per Share should not be evaluated in isolation — investors should consider it alongside profitability, growth, and financial strength metrics. Use the industry distribution chart on this page to see where any company falls relative to its peers.
What does a high Cyclically Adjusted FCF per Share mean?
A high Cyclically Adjusted FCF per Share can signal that a stock is expensive relative to its fundamentals. Cyclically Adjusted FCF per Share represents the company's inflation-adjusted FCF per share over a 10-year period. View historical data on KB Financial Group and its competitors. KB Financial Group's current Cyclically Adjusted FCF per Share is ARS949.18. 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 (BUE:KB) is currently considered Significantly Overvalued. The stock's GF Value™ is ARS48,454.71, compared to a current price of ARS94,375.00 — trading 94.8% above its estimated fair value. The current Cyclically Adjusted FCF per Share is ARS949.18. KB Financial Group's overall GF Score™ is 40/100 with 6 warning signs to review. Investors should evaluate multiple metrics — including profitability, growth, and financial strength — before making a decision.
How is Cyclically Adjusted FCF per Share calculated?
Cyclically Adjusted FCF per Share is calculated from a company's financial statements. For KB Financial Group (BUE:KB), the current Cyclically Adjusted FCF per Share is ARS949.18 as of Mar. 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 (BUE:KB) Overvalued in 2026?

Based on GuruFocus' analysis, KB Financial Group stock appears to be overvalued. The current stock price of ARS94,375.00 is trading 94.8% above its estimated GF Value™ of ARS48,454.71. GuruFocus considers KB Financial Group to be Significantly Overvalued.

Key valuation signals for BUE:KB:

  • Cyclically Adjusted FCF per Share: ARS949.18
  • GF Value™: ARS48,454.71 vs. price of ARS94,375.00 (94.8% above fair value)
  • GF Score™: 40/100 with 6 warning signs

No single metric tells the full story. See the BUE:KB stock analysis page for a complete view including 30-year financials, guru trades, and insider activity.


KB Financial Group Business Description

Address 26, Gukjegeumyung-ro 8-gil, Yeongdeungpo-gu, Seoul, KOR, 07331
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.
40GF Score

Get the complete analysis for BUE:KB

Cyclically Adjusted FCF per Share is just one metric. See GF Value™, 30-year financials, guru trades, warning signs, and more.

ARS94,375.00
Price
ARS48,454.71
GF Value