KB Financial Group (FRA:KBIA) Altman Z-Score

Author: Vera Yuan Vera Yuan
Vera Yuan
Vera Yuan
Director of Data and Quant Analytics at GuruFocus
Focused on building reliable datasets, financial models, and research tools for value-minded investors. Committed to turning complex data into practical guidance for value-investing and long-term wealth.
Reviewed by: Charlie Tian Charlie Tian
Charlie Tian
Charlie Tian
Founder & CEO of GuruFocus
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
66 GF Score
Price €109.00
GF Value €52.10
Valuation Significantly Overvalued
! 6 Warning Signs
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What is KB Financial Group Altman Z-Score?

The Altman Z-Score is a model designed to predict the likelihood of a company going bankrupt within the next two years. Created by American finance professor Edward Altman in 1968, the model is specifically designed for publicly traded manufacturing companies with assets greater than $1 million.

Altman Z-Score does not apply to banks and insurance companies.

FRA:KBIA
66GF Score
KB Financial Group Inc FRA:KBIA
Altman Z-Score is just one metric. See GF Score™, valuation, warning signs, and more.
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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 €109.00 is trading 109.2% above its estimated GF Value™ of €52.10. GuruFocus considers KB Financial Group to be Significantly Overvalued.

Key valuation signals for FRA:KBIA:

  • Altman Z-Score:
  • GF Value™: €52.10 vs. price of €109.00 (109.2% above fair value)
  • GF Score™: 66/100 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.
66GF Score

Get the complete analysis for FRA:KBIA

Altman Z-Score is just one metric. See GF Value™, 30-year financials, guru trades, warning signs, and more.

€109.00
Price
€52.10
GF Value