KB Financial Group (KB) Fair Value & Analysis
Financial Services · US · Market cap $37.9B
KB Financial Group
KB · US
Fair value as of: Jul 26, 2026
From 4 valuation models · updated 15 days ago
Fair value updated Jul 26, 2026, revised from $139.01 to $146.66 (+5.5%) since Jun 26, 2026. Share price +6.2% over the past month.
A solid business, screening 18% undervalued on our models.
What matters now
- For a financial, book-value and earnings-based methods matter more than a cash-flow DCF, which fits banks and insurers poorly.
- Our model range runs from $109.99 (bear) to $183.33 (bull), base $146.66. The closer the price sits to the lower half, the larger the margin of safety.
- Quality 51/100 (solid quality) with medium evidence: read the verdict with care.
Price vs Fair Value (5 years)
White line = price, green steps = our fair value per fiscal year, dashed = 300-day average. As of Jul 26, 2026.
How to read this chart
60‑month range $25.66 – $124.01 · fair‑value band $109.99 – $183.33 · the $124.01 price screens below the $146.66 fair value. Green steps = our fair value per fiscal year (point-in-time, no hindsight). Dashed = 300-day average. As of Jul 26, 2026.
Analysis
KB Financial Group (KB) currently trades at $124.01, while our model-based Fair Value estimate is $146.66, implying the stock looks roughly 18.3% undervalued today. The Quality Score stands at 51/100 (solid quality), in the Financial Services sector. Bull case: trading below our estimate, it may offer upside if the fundamentals hold. Bear case: a low price can be a value trap when quality is weak or the data is thin (evidence: medium), always confirm before acting.
Over the trailing twelve months, KB Financial Group generated revenue of $16.5T 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. Fundamentals as of Jul 26, 2026
Our scenario range runs from $109.99 (bear case) to $183.33 (bull case); at $124.01, the current price sits within that range. Bear and bull are the same models run on conservative and optimistic assumptions (margins, growth, valuation multiples), so a plausible valuation range, not a price target. The share trades near its 52-week high and 67% above its 52-week low, currently above its 200-day average. For context, the median of 10 Financial Services peers we cover trades at 65% fair-value upside, at 18%, KB screens richer than that median.
Fair Value models
Each model estimates fair value its own way; the Fair Value above is the evidence-weighted blend. Evidence (0–100) measures how completely this model’s inputs are available: well-fed models carry more weight in the blend. The spread across models is intentional, each one stresses a different value driver; dividend models, for instance, come out structurally low when payout is small.
All 4 models by family
Widest divergence: Multiples ($214,433) versus Asset-Based ($115,929). Highest evidence: P/E Multiple (63).
Key figures & financial health
More key figures
Figures from reported company fundamentals · as of Jul 26, 2026. TTM = trailing twelve months.
Quality Score breakdown
Of which business quality 47 · Market factors (momentum, volatility) 81
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.
About the company
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.
Full company description
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. 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.
Company description, as reported by the company or data provider.
Revenue & earnings trend
FY2021 – FY2025 · reported fiscal years
KB Financial Group reported revenue of $50.7T in FY2025 versus $21.0T in FY2021, a compound +24.7%/yr. Reported net income was $5.9T in FY2025, compounding +7.3%/yr from FY2021.
Watch KB: get an alert when its fair value changes →
Recent news
External third-party headlines (Yahoo Finance, Reuters and others), not an editorial selection.
- VEU, INFY, KB, CX: ETF Inflow Alert
- KB Financial (KB) is a Great Momentum Stock: Should You Buy?
- Here's Why Momentum in KB Financial (KB) Should Keep going
Peer Group
Banks - Regional · 1083 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
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.
Insider activity: 40/100
Values & ESG
Does this company touch areas you may want to avoid? The classification is inferred from sector and industry.
ESG scores are not available for this stock yet. Values and ESG data are contextual and can differ between providers.
Similar stocks
10 more Banks - Regional stocks, each showing price versus our Fair Value estimate (as of Jul 26, 2026).
| Stock | Price | Fair Value | vs Fair Value |
|---|---|---|---|
| PT Bank Central Asia Tbk BBCA | 6,175 IDR | 6,087 IDR | -1% |
| PT Bank Rakyat Indonesia (Persero) Tbk BBRI | 2,970 IDR | 4,891 IDR | +65% |
| PT Bank Mandiri (Persero) Tbk BMRI | 4,310 IDR | 7,841 IDR | +82% |
| Banco Bradesco S.A BBD | 5,120 ARS | 10,240 ARS | +100% |
| Shinhan Financial Group 055550 | 107,900 KRW | 137,259 KRW | +27% |
| Hana Financial Group 086790 | 136,800 KRW | 193,969 KRW | +42% |
| Lloyds Banking Group LYG | 4,138 ARS | 8,275 ARS | +100% |
| Banco de Chile, CHILE | 193.10 CLP | 152.55 CLP | -21% |
| Joint Stock Commercial Bank for Foreign Trade of Vietnam, VCB | 59,400 VND | 84,201 VND | +42% |
| Woori Financial Group 316140 | 31,500 KRW | 55,811 KRW | +77% |
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Frequently asked questions
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How we calculate Fair Value
Each company is valued through a stack of independent intrinsic-value models (DCF variants, residual-income, multiples and more), blended into one family-balanced consensus and weighted by how much trustworthy data backs it. A separate quality layer scores the fundamentals. Every input is real reported data, nothing guessed.
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