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STOCK COMPARISON

Bank Victoria International vs KB Financial: Fair Value & Quality

Both stocks run through our valuation models. Here is how Bank Victoria International (BVIC) and KB Financial (105560) compare, as of Aug 11, 2026.

As of Aug 11, 2026, Fair Value Calculator sees KB Financial as the more attractively valued of the two: Bank Victoria International trades at IDR 91 versus a fair value of IDR 79 (-13%), while KB Financial trades at KRW 171,700 versus KRW 213,797 (+25%).
Bank Victoria International
BVIC.JK · IDR · Financials
-13%
upside to fair value
overvalued
PriceIDR 91
Fair ValueIDR 79
Quality42/100
KB Financial
105560.KO · KRW · Financials
+25%
upside to fair value
undervalued
PriceKRW 171,700
Fair ValueKRW 213,797
Quality61/100

Head-to-head numbers

Green value = the better side for that row (for valuation multiples: lower = cheaper).

Bank Victoria InternationalKB Financial
Valuation
11.7×P/E (TTM)—
1.94×P/S (TTM)—
0.35×P/B—
21.8×EV/EBITDA12.3×
—PEG0.74×
—Dividend yield2.7%
—Dividend per shareKRW 4,598
Profitability
17%Net margin37%
28%Operating margin61%
3%Return on equity10%
0%Return on assets1%
Growth
-4%Revenue growth (YoY)15%
14.2%Avg. growth/yr (3Y)8.4%
4.0%Avg. growth/yr (5Y)7.1%
Balance & size
0.90×Debt / equity2.21×
$151MMarket cap$46B
healthyGrowth qualityhealthy

KB Financial leads: 2 to 7 metric wins.

Dash = not meaningfully computable, for example with negative equity.

Quality in detail

The quality score, broken down into the same factor families as on the stock page, 0 to 100 per family.

Bank Victoria Internationalof which business quality 41 · market factors 29 KB Financialof which business quality 54 · market factors 73
ProfitabilityMargins and returns on capital today
16
37
Quality GrowthAre margins and returns improving?
55
60
CashflowEarnings quality: real cash, not paper profit
98
62
Fin. StrengthBalance sheet, leverage, solvency risk
12
15
InvestmentDisciplined investing over empire-building
71
80
Low VolatilityCalm price path (market factor)
52
64
MomentumPrice trend over the last 3–12 months (market factor)
17
72
52W MomentumDistance to the 52-week high (market factor)
24
84
Net IssuanceBuybacks instead of dilution
0
100

What the models say

The median fair value (base case) per model family, each in the currency of its trading venue. Green = above the current price, red = below.

Bank Victoria International

Dividend DiscountIDR 36
MultiplesIDR 107
Asset-BasedIDR 159
Economic ProfitIDR 170

2 of 6 models see the stock below the current price.

KB Financial

Dividend DiscountKRW 68,945
MultiplesKRW 223,434
Asset-BasedKRW 111,541
Economic ProfitKRW 165,559

4 of 6 models see the stock below the current price.

Scenario ranges

From our cautious bear case to the optimistic bull case. The white tick is the current price: left of fair value means room to run.

Bank Victoria International
Bear IDR 59Fair Value IDR 79Bull IDR 99
IDR 91 = current price (white tick)
KB Financial
Bear KRW 160,348Fair Value KRW 213,797Bull KRW 267,246
KRW 171,700 = current price (white tick)

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Ranked within their sector

Where each stock sits within its sector peer group. Band = middle 50% of peers, tick = median, dot = this stock.

Bank Victoria International · Financials

Quality score42 · bottom 25%
Fair value upside-13% · below median

KB Financial · Financials

Quality score61 · above median
Fair value upside+25% · above median

Bottom line

As of Aug 11, 2026, Fair Value Calculator sees KB Financial as the more attractively valued of the two: Bank Victoria International trades at IDR 91 versus a fair value of IDR 79 (-13%), while KB Financial trades at KRW 171,700 versus KRW 213,797 (+25%).

KB Financial has the higher quality score (61/100).

See the full analysis →
Bank Victoria International · KB Financial

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A model-based valuation snapshot from 21 models. Values change with price and fundamentals; the date shown above applies.