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KB

KB Financial Group Inc.

KB

KB Financial Group Inc. • NYSE
$85.09 ▼ -0.09% (-0.08)
Market Cap $31.19 B
52w High $92.39
52w Low $46.38
Dividend Yield 2.49%
P/E 8.25
Volume 62.61K
Outstanding Shares 366.56M

Income Statement

Period Revenue Operating Expense Net Income Net Profit Margin Earnings Per Share EBITDA
Q3-2025 $3.987T ▼ $1.567T ▼ $1.686T ▼ 42.284% ▲ $4.498K ▼ $228.045B ▼
Q2-2025 $9.591T ▲ $2.414T ▲ $1.738T ▲ 18.126% ▲ $4.603K ▲ $2.566T ▲
Q1-2025 $9.514T ▲ $2.359T ▼ $1.697T ▲ 17.84% ▲ $4.429K ▲ $2.531T ▲
Q4-2024 $9.098T ▼ $3.285T ▲ $682.932B ▼ 7.506% ▼ $1.549K ▼ $1.165T ▼
Q3-2024 $9.584T $2.329T $1.614T 16.84% $4.129K $2.516T

Balance Statement

Period Cash & Short-term Total Assets Total Liabilities Total Equity
Q3-2025 $0 ▼ $796.063T ▲ $734.692T ▲ $59.582T ▲
Q2-2025 $129.21T ▲ $780.623T ▲ $719.669T ▲ $59.069T ▲
Q1-2025 $126.412T ▲ $770.327T ▲ $710.192T ▲ $58.235T ▲
Q4-2024 $124.689T ▲ $757.846T ▲ $698.03T ▲ $57.889T ▼
Q3-2024 $115.681T $745.334T $685.424T $57.948T

Cash Flow Statement

Period Net Income Cash From Operations Cash From Investing Cash From Financing Net Change Free Cash Flow
Q3-2025 $1.686T ▼ $-11.914T ▼ $-1.12T ▼ $3.945T ▲ $-8.984T ▼ $-11.936T ▼
Q2-2025 $1.748T ▲ $823.291B ▼ $658.019B ▲ $2.158T ▲ $3.305T ▲ $724.738B ▼
Q1-2025 $1.699T ▲ $3T ▲ $-841.274B ▼ $-299.407B ▼ $1.955T ▼ $2.831T ▲
Q4-2024 $658.688B ▼ $-986.616B ▲ $-392.018B ▼ $3.475T ▲ $2.492T ▲ $-1.253T ▲
Q3-2024 $1.603T $-3.213T $2.936T $-4.547T $-4.964T $-3.318T

Five-Year Company Overview

Income Statement

Income Statement KB’s earnings profile looks solid and steadily improving. Revenue and profits have generally trended upward over the past few years, with a particularly strong step‑up in recent performance. Operating profitability has strengthened, suggesting better cost control and more efficient use of its balance sheet. The group stayed profitable even in more challenging periods, which points to resilience, though results will still be sensitive to interest‑rate shifts and credit quality in the broader economy.

Balance Sheet

Balance Sheet KB runs a very large balance sheet, as is typical for a major bank, with assets and equity both growing consistently over time. Capital levels appear to be building, which gives it more of a cushion against potential loan losses or market stress. Debt and other liabilities are substantial but normal for a banking group, where deposits and borrowings fund lending. Overall, the balance sheet looks robust and scaled, but its health will always depend on the quality of KB’s loans and its risk management in a changing economic environment.

Cash Flow

Cash Flow Cash generation from core operations has been positive in recent years after some earlier volatility, which is encouraging for a financial institution of this size. Free cash flow has also stabilized in positive territory, helped by relatively modest and steady investment spending. The earlier years of negative cash flow likely reflect shifts in lending and funding rather than structural weakness, which is common in banks. Even so, investors should remember that bank cash flow can swing with credit cycles and interest‑rate moves, so today’s healthier trend still requires ongoing monitoring.

Competitive Edge

Competitive Edge KB holds a leading position in South Korea’s financial sector, supported by a very large customer base and a strong, trusted brand. Its diversified mix across banking, insurance, cards, and securities reduces dependence on any single line of business and allows for cross‑selling within its ecosystem. Scale, data, and long operating history give it advantages that smaller rivals and many fintechs lack. At the same time, it faces intense domestic competition, regulatory oversight, and ongoing pressure from digital‑only players, which keeps execution risk high.

Innovation and R&D

Innovation and R&D KB is leaning heavily into digital transformation, making technology a central part of its strategy rather than a side project. Its “super app” approach, integrated payments platform, and AI‑driven services aim to lock customers into a convenient, all‑in‑one ecosystem. The planned rollout of hundreds of AI agents, the use of big data and cloud, and partnerships with fintech startups all signal a commitment to staying ahead technologically. Experiments in areas like the metaverse and Web3 are more speculative but show KB’s willingness to explore new channels, with the key risk being whether these efforts translate into real customer value and economic returns.

Summary

Overall, KB combines a strong earnings record, a sizable and growing balance sheet, and improving cash generation with a powerful competitive position in its home market. Its broad product range, brand strength, and large customer base provide a solid foundation, while its aggressive push into AI, digital platforms, and fintech partnerships is designed to protect and extend that advantage. The main uncertainties lie in macroeconomic conditions, regulation, credit quality, and the execution of its digital roadmap. Taken together, KB presents the profile of a mature, systemically important bank that is actively trying to reinvent itself for a more digital and data‑driven financial future.