KB Financial Group (FRA:KBIA) ROE % Adjusted to Book Value: 15.37% (As of Mar. 2026)

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Director of Data and Quant Analytics at GuruFocus
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Dr. Charlie Tian is the founder and CEO of GuruFocus.com, a leading global investment research platform established in 2004. With a Ph.D. in physics, Dr. Tian transitioned from science to finance, applying a data-driven, disciplined approach to value investing.

FRA:KBIA KB Financial Group Inc FRA:KBIA
64 GF Score
Price €106.00
GF Value €52.00
Valuation Significantly Overvalued
! 6 Warning Signs
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What is KB Financial Group ROE % Adjusted to Book Value?

KB Financial Group FRA:KBIA +0.95% 64 ROE % Adjusted to Book Value is 15.37% as of Mar. 2026. GuruFocus rates FRA:KBIA with a GF Score™ of 64/100 and a GF Value™ of €52.00 (Significantly Overvalued). The stock has 6 warning signs investors should review.

KB Financial Group's ROE % for the quarter that ended in Mar. 2026 was 12.76%. KB Financial Group's PB Ratio for the quarter that ended in Mar. 2026 was 0.83. KB Financial Group's ROE % Adjusted to Book Value for the quarter that ended in Mar. 2026 was 15.37%.


KB Financial Group ROE % Adjusted to Book Value Related Terms


KB Financial Group ROE % Adjusted to Book Value Historical Data

* Premium members only.

The historical data trend for KB Financial Group's ROE % Adjusted to Book Value 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 ROE % Adjusted to Book Value Chart

KB Financial Group Annual Data
Trend Dec16 Dec17 Dec18 Dec19 Dec20 Dec21 Dec22 Dec23 Dec24 Dec25
ROE % Adjusted to Book Value
Get a 7-Day Free Trial Premium Member Only Premium Member Only 21.95 22.33 23.60 16.56 12.29

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
ROE % Adjusted to Book Value 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 23.33 16.96 16.16 6.16 15.37

KB Financial Group ROE % Adjusted to Book Value Competitor Comparison

For the Banks - Regional subindustry, KB Financial Group's ROE % Adjusted to Book Value, along with its competitors' market caps and ROE % Adjusted to Book Value 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 ROE % Adjusted to Book Value vs Banks Industry

For the Banks industry and Financial Services sector, KB Financial Group's ROE % Adjusted to Book Value distribution charts can be found below:

* The bar in red indicates where KB Financial Group's ROE % Adjusted to Book Value falls into.


FRA:KBIA
64GF Score
KB Financial Group Inc FRA:KBIA
ROE % Adjusted to Book Value is just one metric. See GF Score™, valuation, warning signs, and more.
View Full Analysis

KB Financial Group ROE % Adjusted to Book Value Calculation

KB Financial Group's ROE % Adjusted to Book Value for the fiscal year that ended in Dec. 2025 is calculated as

ROE % Adjusted to Book Value=ROE % / PB Ratio
=9.34% / 0.76
=12.29%

KB Financial Group's ROE % Adjusted to Book Value for the quarter that ended in Mar. 2026 is calculated as

ROE % Adjusted to Book Value=ROE % / PB Ratio
=12.76% / 0.83
=15.37%

* 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.

What does a ROE % Adjusted to Book Value of 15.37% mean?
KB Financial Group (FRA:KBIA) has a ROE % Adjusted to Book Value of 15.37% as of Mar. 2026. Return on equity adjusted to book is the ratio of return on equity to price-book ratio. View historical data on KB Financial Group and its competitors.
Is KB Financial Group's ROE % Adjusted to Book Value too high?
KB Financial Group's current ROE % Adjusted to Book Value is 15.37%. Overall, KB Financial Group has a GF Score™ of 64/100 and is considered Significantly Overvalued, reflecting its overall financial health beyond just this single metric.
How does KB Financial Group's ROE % Adjusted to Book Value compare to competitors?
KB Financial Group's ROE % Adjusted to Book Value of 15.37% 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 ROE % Adjusted to Book Value for a Banks company?
A good ROE % Adjusted to Book Value depends on the Banks industry context. However, ROE % Adjusted to Book Value 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 ROE % Adjusted to Book Value mean?
A high ROE % Adjusted to Book Value can signal that a stock is expensive relative to its fundamentals. Return on equity adjusted to book is the ratio of return on equity to price-book ratio. View historical data on KB Financial Group and its competitors. KB Financial Group's current ROE % Adjusted to Book Value is 15.37%. 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 (FRA:KBIA) is currently considered Significantly Overvalued. The stock's GF Value™ is €52.00, compared to a current price of €106.00 — trading 103.8% above its estimated fair value. The current ROE % Adjusted to Book Value is 15.37%. KB Financial Group's overall GF Score™ is 64/100 with 6 warning signs to review. Investors should evaluate multiple metrics — including profitability, growth, and financial strength — before making a decision.
How is ROE % Adjusted to Book Value calculated?
ROE % Adjusted to Book Value is calculated from a company's financial statements. For KB Financial Group (FRA:KBIA), the current ROE % Adjusted to Book Value is 15.37% 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 (FRA:KBIA) Overvalued in 2026?

Based on GuruFocus' analysis, KB Financial Group stock appears to be overvalued. The current stock price of €106.00 is trading 103.8% above its estimated GF Value™ of €52.00. GuruFocus considers KB Financial Group to be Significantly Overvalued.

Key valuation signals for FRA:KBIA:

  • ROE % Adjusted to Book Value: 15.37%
  • GF Value™: €52.00 vs. price of €106.00 (103.8% above fair value)
  • GF Score™: 64/100 with 6 warning signs

No single metric tells the full story. See the FRA:KBIA 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.
64GF Score

Get the complete analysis for FRA:KBIA

ROE % Adjusted to Book Value is just one metric. See GF Value™, 30-year financials, guru trades, warning signs, and more.

€106.00
Price
€52.00
GF Value