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.
- Fair value above price? No
- Good quality? Yes
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KB Financial Group
105560 · KONeutralThe stock looks roughly fairly valued with average quality.
What runs behind every stock
69 individual criteria per stock, every one traceable See the method →
Price vs Fair Value
White line = price, green steps = our fair value per fiscal year, dashed = 300-day average. As of Sep 18, 2026.
How to read this chart
60‑month range 36,878 KRW – 184,400 KRW · fair‑value band 148,502 KRW – 275,322 KRW · the 177,500 KRW price screens above the 166,354 KRW fair value. Green steps = our fair value per fiscal year (point-in-time, no hindsight). Dashed = 300-day average. As of Sep 18, 2026.
Company profile
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.
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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.
Stock analysis
KB Financial Group (105560) currently trades at 177,500 KRW, while our model-based Fair Value estimate is 166,354 KRW, implying the stock looks roughly 6.7% fairly valued today.
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Valuation
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 177,500 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.
Scenario range: 148,502 KRW (bear) to 275,322 KRW (bull), the price of 177,500 KRW 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 59/100 (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 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.
Key figures
Market cap 63.6T KRW (≈ $44.6B) · P/S ratio 3.97 · Dividend yield 2.6% · Net margin 27.5% · Return on equity 10.0% · Return on assets (EBIT) 0.7% · Operating margin 60.7% · Revenue (TTM) 16.5T KRW.
Competitive moat
Our AI-assisted moat analysis scores the competitive advantage at 47 out of 100 (low confidence).
What moves the price
The share trades near its 52-week high and 75% above its 52-week low, currently above its 200-day average.
For context, the median of 10 Financial Services peers we cover trades at −31% fair-value upside, at −6%, 105560 screens cheaper than that median.
Fair Value models
All 6 models by family
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Set up alert →Quality Score breakdown
Of which business quality 54 · Market factors (momentum, volatility) 79
Revenue & earnings trend
Growth Forecast
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Compare KB Financial Group 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 · 1073 stocks
Valuation Multiplesvs Banks - Regional median · lower = cheaper
Strength profile in five axes (Snowflake)
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
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 |
|---|---|---|---|
| DBS Group DBS19 | 20.20 THB | 6.69 THB | −67% |
| China Merchants Bank Co 3968 | HK$51.35 | HK$78.59 | +53% |
| Intesa Sanpaolo S.p.A ISP | €6.74 | €4.04 | −40% |
| HDFC Bank Limited HDB | $23.16 | $15.60 | −33% |
| BNP Paribas SA BNP | €102.32 | €105.99 | +4% |
| UniCredit S.p.A UCG | €82.92 | €77.62 | −6% |
| Mizuho Financial Group MFG | $11.15 | $9.67 | −13% |
| ICICI Bank Limited ICICIBANK | ₹1,359 | ₹636.31 | −53% |
| The PNC Financial Services Group PNC | $231.49 | $159.52 | −31% |
| Oversea-Chinese Banking Corporation O39 | 31.28 SGD | 19.80 SGD | −37% |
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Key figures of KB Financial Group
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