KB Financial Group Inc (KB) fair value: what the stock is really worth
As of Nov 6, 2026: fair value (intrinsic value) of KB Financial Group Inc stock $113, price $111, upside +1.6%, quality 56 out of 100. Rating: fairly valued. Calculated from audited financials with 6 of our 26 valuation models and 37 quality factors, updated daily.
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KB Financial Group Inc
KB · USThe stock costs about what our calculation considers fair.
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Price vs Fair Value
White line = price, green steps = our fair value per fiscal year. As of Nov 6, 2026.
How to read this chart
60‑month range $25.49 – $132.88 · fair‑value band $84.75 – $141.26 · the $111.20 price screens below the $113.00 fair value. Green steps = our fair value per fiscal year (point-in-time, no hindsight). As of Nov 6, 2026.
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Company profile
KB Financial Group Inc. provides financial products and services in South Korea, the United States, New Zealand, China, Cambodia, the United Kingdom, Indonesia, and internationally.
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The company offers deposit products, such as demand and time deposits, certificates of deposit, foreign currency deposits, and savings deposits for housing subscription; loan products, including mortgage loans to finance home purchases, construction, improvements, or rentals; and home equity loans, overdraft loans, and other consumer loans.
It also provides debit and credit cards; working capital loans and facility loans; mortgage loans to home builders or developers; securities underwriting; financing and financial advisory services for mergers and acquisitions; project finance and financial advisory services for social overhead capital projects such as highway, port, power, water, and sewage projects; financing and financial advisory services for real estate development projects; and structured finance.
In addition, the company offers brokerage services for stocks, futures, options, equity, derivative-linked securities, and debt instruments; foreign exchange services and derivatives dealing; import and export-related services; offshore lending, syndicated loans, and foreign currency securities investment; and trust account management services.
Further, it provides long-term insurance products, automobile insurance products, and general property and casualty insurance products; life insurance comprising annuities, savings insurance, variable life insurance, whole life insurance, term life insurance, and health insurance; bancassurance; consumer finance services; and mortgage financing and construction loans.
Additionally, the company is involved in real estate trust management; capital investment; and software advisory, development, and supply. KB Financial Group Inc. was founded in 1963 and is headquartered in Seoul, South Korea.
Stock analysis
KB Financial Group Inc (KB) currently trades at $111.20, while our model-based Fair Value estimate is $113.00, so the stock looks roughly fairly valued today (gap 1.6%).
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Valuation
Bull case: the Economic Profit group reads highest at a median of $125.86 per share, and 2 of the 6 models we run sit above the $111.20 price.
Bear case: the Dividend Discount group reads lowest at $52.57, and 4 of the 6 models stay below the price. Data coverage for this calculation is high.
Scenario range: $84.75 (bear) to $141.26 (bull), the price of $111.20 sits inside it. Bear and bull are the same models on cautious and optimistic assumptions, a range, not a price target.
Quality & growth
The Quality Score stands at 56/100 (solid quality), in the Financial Services sector.
Healthy Growth: Revenue growth appears healthy and is supported by profitability and cash-flow quality.
KB Financial Group Inc reported revenue of 50.7T KRW in FY2025 versus 21.0T KRW in FY2021, a compound +24.7%/yr. Reported net income was 5.9T KRW in FY2025, compounding +7.3%/yr from FY2021.
Key figures
Market cap $39.8B Large · P/E ratio 9.5 · P/S ratio 1.10 · EPS (TTM) $11.65 · Dividend yield 3.2% · Net margin 11.5% · Return on equity 10.2% · Return on assets (EBIT) 0.9% (5-year average).
Competitive moat
Our AI-assisted moat analysis scores the competitive advantage at 64 out of 100 (medium confidence).
What moves the price
The share trades about 16% below its 52-week high and 39% above its 52-week low, currently below its 200-day average.
For context, the median of 10 Financial Services peers we cover trades at −28% fair-value upside, at 2%, KB screens cheaper than that median.
Fair Value models
All 6 models by family
Quality Score breakdown
It rates the business: profits, how they develop, real cash, balance sheet, investing and share count.
Revenue & earnings trend
Watch KB, get fair value alerts →
Recent news
- KB Financial Says Korea Stock Selloff Favors Buyers
- Zacks Industry Outlook Highlights ICICI, Canadian Imperial Bank and KB Financial
- Why KB Financial (KB) is a Great Dividend Stock Right Now
- AM Best Affirms Credit Ratings of KB Insurance Co., Ltd.
Compare KB Financial Group Inc with another stock
Price, fair value, quality and upside side by side.
Peer GroupⓘHow this stock ranks against its industry: the green marker is this stock, the band is the typical 25–75% peer range, and the tick is the median.Banks - Regional · 998 stocks
Valuation Multiplesvs Banks - Regional median · lower = cheaper
Strength profile in five axes (Snowflake)
HEALTH: for banks, insurers and similar financial firms borrowed money is part of the business, so we do not rate debt here.
Context: sector, industry, market
- Is the Financials sector expensive or cheap?
- P/E, EV/EBITDA and margins by industry (reference tables)
- EBIT margin by industry
- P/S ratio by industry
- Stock screener with 62 metrics
- Undervalued stocks: US Stocks
- Valuation of the USA market
Values & ESG
Does this company touch areas you may want to avoid? The classification is inferred from sector and industry.
Similar stocks
10 more Banks - Regional stocks, each showing price versus our Fair Value estimate.
| Stock | Price | Fair Value | vs Fair Value | Compare |
|---|---|---|---|---|
| Postal Savings Bank of China Co 601658 | ¥5.53 | ¥7.59 | +37% | vs KB |
| China Merchants Bank Co 600036 | ¥42.88 | ¥52.73 | +23% | vs KB |
| BNP Paribas SA BNP | €91.93 | €106.01 | +15% | vs KB |
| Intesa Sanpaolo S.p.A ISP | €6.18 | €4.49 | −27% | vs KB |
| State Bank of India SBIN | ₹1,019 | ₹736.65 | −28% | vs KB |
| UniCredit S.p.A UCG | €76.80 | €50.44 | −34% | vs KB |
| Mizuho Financial Group MFG | $9.40 | $5.90 | −37% | vs KB |
| DBS Group D05 | 69.72 SGD | 40.39 SGD | −42% | vs KB |
| HDFC Bank Limited HDFCBANK | ₹788.25 | ₹406.39 | −48% | vs KB |
| ICICI Bank Limited ICICIBANK | ₹1,571 | ₹615.63 | −61% | vs KB |
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Key figures of KB Financial Group Inc
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