KB Financial Group

Banks - Regional · Financial Services

Price

$119.37

-0.88 (-0.73%)

Market Cap

$42.34B

Exchange

New York Stock Exchange

Winston Score

Winston is curious

A decent business — some strong pillars, some weaker.

Share count falling — buybacks

−4.1% over 4y

The company has reduced its share count over this period, returning value to shareholders through buybacks.

Diluted shares outstanding: 398.6M (2021) → 382.2M (2025)

KB Financial Group is one of South Korea's largest financial companies. It owns KB Kookmin Bank, which is the biggest bank in South Korea by assets. The group also runs businesses in insurance, credit cards, securities brokerage, and asset management, serving millions of individual customers, small businesses, and large corporations across South Korea.

KB Financial makes money by collecting interest on loans it gives to customers and businesses, and by charging fees for services like credit cards, insurance premiums, and investment products. It operates mainly in South Korea, with a smaller presence in other Asian markets and a few international offices. Its large customer base and the KB Kookmin brand give it a strong competitive position in a market where switching banks is uncommon. The main risks it faces include rising loan defaults if the South Korean economy slows down, and pressure on profit margins if interest rates fall.

Winston Score History

Growth Profile

For growth stock investors

When traditional metrics don't capture the full picture, these are the signals growth stock investors use instead.

Revenue Growth

-71.5% YoY

YoY Growth Rate

Revenue declining

EPS Growth

+17.9% YoY

YoY Growth Rate

Steady EPS growth

R&D Spend

$0/ year

0.0% of revenue

Below sector average (7%)

Research and development spending

Insider Activity

4.9%ownership

Relatively low insider ownership

Cash Position

Cash flow positive

$761.7T cash & investments

Quarterly Free Cash Flow

↑ Burn rate improving

Company generates more cash than it spends — no dilution risk from fundraising

Revenue declining

KB Financial Group's revenue is actually shrinking. In a growth stock, that removes the core investment thesis. The low Winston Score here may be warranted — unless there's a turnaround story.

The Winston Score above measures business quality today. Growth stocks often score lower because they invest in the future rather than maximising current profits. These metrics show what matters most for evaluating that future.

Score breakdown

Every number that matters to educated investors.

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Quality

Gross Margin

100.0%

Premium pricing power — 100.0% gross margin

Operating Margin

100.0%

Excellent — 100.0% operating margin

ROCE

1.3%

Weak — 1.3% return on capital

ROIC between 0% and 5%. They earn a few cents back per dollar invested in the business.

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Growth

Sales YoY

+16.2%

Fast-growing sales (16.2% YoY)

EPS YoY

+11.7%

Earnings growing (11.7% YoY)

Healthy double-digit earnings growth — what compounders look like.

EPS Consistency

8/8 quarters

Every recent quarter grew earnings vs last year

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Cash Flow

Cash Conversion

-35%

Weak — only -35% of profit becomes cash

FCF Margin

-5.8%

Burning cash (-5.8%)

Free cash flow is negative. They are burning cash, not generating it.

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Stability

Debt / Equity

2.80

Heavy debt load (2.80)

Interest Cover

1.01x

Dangerous — barely covers interest (1.0x)

Interest coverage between 1 and 3. Profits cover interest, but with little room to spare.

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Valuation

P/E Ratio (TTM)

0.0x

Attractive valuation — P/E 0.0

P/E under 10. The price tag is small relative to last year's profit.

P/E vs Forward

+0.0

GROWING

Earnings roughly flat

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Dividends

Dividend Yield

3.83%

Moderate income — 3.83% yield

Standard yield zone for stable dividend payers. A meaningful piece of total return.

Dividend Growth

+32.7%

Dividend growing fast (32.7% YoY)

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