KB Financial Group (105560) fair value: what the stock is really worth
We calculate from audited financials what KB Financial Group is really worth. The fair value tells you whether the price is too high or too low, the quality score (0 to 100) how solid the business behind it is. 26 models, 37 quality factors, updated daily, free.
- Compare price with fair valuebelow fair value = cheap, above = expensive
- Check the quality50 and up solid, 75 and up strong
- Watch it or check another stockalert when fair value or trend changes
At a glance
A solid business, trading 20% below our fair value of 220,258 KRW.
As of Aug 13, 2026, the fair value of KB Financial Group is 220,258 KRW per share against a price of 175,900 KRW, so the fair value sits 25% above the price. A model estimate from reported figures, not an analyst target.
Fair value as of: Aug 13, 2026
From 6 valuation models · updated 24 days ago
Fair value updated Aug 13, 2026, revised from 213,797 KRW to 220,258 KRW (+3.0%) since Jul 11, 2026. Share price +0.1% over the past month.
What runs behind every stock
69 individual criteria per stock, every one traceable See the method →
What matters now
- Solid quality (59/100) at a price below fair value, the discount is the argument here, not the business quality.
- For a financial, book-value and earnings-based methods matter more than a cash-flow DCF, which fits banks and insurers poorly.
Price vs Fair Value (5 years)
White line = price, green steps = our fair value per fiscal year, dashed = 300-day average. As of Aug 13, 2026.
How to read this chart
60‑month range 36,878 KRW – 184,400 KRW · fair‑value band 165,193 KRW – 275,322 KRW · the 175,900 KRW price screens below the 220,258 KRW fair value. Green steps = our fair value per fiscal year (point-in-time, no hindsight). Dashed = 300-day average. As of Aug 13, 2026.
Analysis
KB Financial Group (105560) currently trades at 175,900 KRW, while our model-based Fair Value estimate is 220,258 KRW, implying the stock looks roughly 20.1% undervalued today. The Quality Score stands at 59/100 (solid quality), in the Financial Services sector. Bull case: the Multiples group reads highest at a median of 213,797 KRW per share, and 2 of the 6 models we run sit above the 175,900 KRW price. Bear case: the Dividend Discount group reads lowest at 60,785 KRW, and 4 of the 6 models stay below the price. Evidence for this calculation is medium.
Over the trailing twelve months, KB Financial Group generated revenue of 16.5T KRW at a net margin of 36.6%. Revenue grew 15.2% year over year. It earns a return on equity of 10.0%. Net debt stands at 94.9T KRW. Fundamentals as of Aug 13, 2026
Scenario range: 165,193 KRW (bear) to 275,322 KRW (bull), the price of 175,900 KRW sits inside it. Bear and bull are the same models on cautious and optimistic assumptions, a range, not a price target. The share trades near its 52-week high and 73% above its 52-week low, currently above its 200-day average. For context, the median of 10 Financial Services peers we cover trades at −10% fair-value upside, at 25%, 105560 screens cheaper than that median.
Fair Value models
Each model values the company its own way; the fair value above is the evidence-weighted blend. Evidence (0 to 100) shows how complete a model's inputs are. How we calculate →
All 6 models by family
Widest divergence: Multiples (213,797 KRW) versus Dividend Discount (60,785 KRW). Highest evidence: Residual Income (74).
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Key figures & financial health
More key figures
Figures from reported company fundamentals · as of Aug 13, 2026. TTM = trailing twelve months.
Quality Score breakdown
Of which business quality 54 · Market factors (momentum, volatility) 73
Non-valuation factor families (profitability, growth, cashflow, financial strength, momentum …), each academically grounded. Valuation itself sits in the Fair Value and is deliberately excluded here to avoid double-counting.
All values are scores from 0 to 100 (100 = best against fixed, research-based bands), not percentages. The three market factors (momentum, 52-week proximity, low volatility) are displayed but carry zero weight in the headline number: market sentiment is not a business property.
About the company
KB Financial Group Inc. provides various banking and related financial services to consumers and corporations in South Korea, the United States, New Zealand, China, Cambodia, the United Kingdom, Indonesia, and internationally.
Full company description
KB Financial Group Inc. provides various banking and related financial services to consumers and corporations in South Korea, the United States, New Zealand, China, Cambodia, the United Kingdom, Indonesia, and internationally. It operates through Retail Banking, Corporate Banking, Other Banking Services, Credit Card, Securities, Life Insurance, and Non-Life Insurance segments. The company offers loans, deposit products, and other related financial products and services to large, small, medium-sized enterprises, and small office/home office, as well as individuals and households; investment banking, and brokerage and supporting services; life insurance products; non-life insurance products, including fire, maritime, injury, technology, liability, package, title, guarantee, other special type insurances, automobile, long-term nonlife, property damage, injury, driver, savings, illness, nursing, pension, and others; and credit sale, cash service, card loan, and other supporting services. It also involved in securities and derivatives trading, funding, and other supporting activities. In addition, the company offers foreign exchange transaction; financial investment; credit card and installment financing; financial leasing; auto Installment finance; real estate trust management; capital and collective investment; collection of receivables or credit investigation; software advisory, development, and supply; microfinance; investment advisory; claim; management; savings banking; information and communication; e-commerce; and general advisory services. KB Financial Group Inc. was founded in 1963 and is headquartered in Seoul, South Korea.
Company description, as reported by the company or data provider.
Revenue & earnings trend
FY2021 – FY2025 · reported fiscal years
KB Financial Group reported revenue of 21.2T KRW in FY2025 versus 17.0T KRW in FY2021, a compound +5.7%/yr. Reported net income was 5.8T KRW in FY2025, compounding +7.2%/yr from FY2021.
of which total revenue +4.9 % · buybacks/dilution −0.2 %
Annual growth per factor. These are factors, not summands: multiplied they give the EPS growth rate, added they do not quite. Start and end points are 3-year averages (details on hover).
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Peer Group
Banks - Regional · 1070 stocks
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.
Valuation Multiples vs Banks - Regional median · lower = cheaper
What the price implies (reverse DCF)
The inverse question: what free-cash-flow growth must KB Financial Group deliver for ten years so that today's price is fair in our DCF model? Same formula, same discount rate as the fair value.
The price demands an acceleration versus past growth: a high bar the company still has to clear. Ranking of the largest stocks →
Context: sector, industry, market
- Is the Financials sector expensive or cheap?
- P/E, EV/EBITDA and margins by industry (reference tables)
- Undervalued stocks: South Korean Stocks
- Valuation of the Korea market
Strength profile in five axes (Snowflake)
Five quick dimensions, each 0 to 100: VALUE (fair-value potential), FUTURE (revenue growth), PAST (return on equity), HEALTH (low debt), DIVIDEND (yield). Green = this stock, grey = typical sector peer.
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 (as of Aug 13, 2026).
| Stock | Price | Fair Value | vs Fair Value |
|---|---|---|---|
| DBS Group D05 | 75.65 SGD | 40.48 SGD | −46% |
| China Merchants Bank Co 3968 | HK$47.96 | HK$76.51 | +60% |
| Intesa Sanpaolo S.p.A ISP | €6.74 | €5.66 | −16% |
| HDFC Bank Limited HDB | $23.18 | $24.12 | +4% |
| BNP Paribas SA BNP | €104.54 | €144.64 | +38% |
| UniCredit S.p.A UCG | €84.71 | €77.62 | −8% |
| Mizuho Financial Group MFG | $10.74 | $9.69 | −10% |
| ICICI Bank Limited ICICIBANK | ₹1,423 | ₹835.21 | −41% |
| Oversea-Chinese Banking Corporation O39 | 31.07 SGD | 19.80 SGD | −36% |
| CaixaBank, S.A CABK | €13.52 | €8.85 | −35% |
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Frequently asked questions
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