KB Finanical Group Financials

Source SEC Filings (10-K/10-Q) Updated Apr 28, 2026 Currency USD FYE April

This page shows KB Finanical Group (KB) financial statements, including the income statement, balance sheet, cash flow statement, and key financial ratios. View 3 years of annual fundamentals and quarterly data, with year-over-year growth rates and compound annual growth rates (CAGR). All figures are derived from SEC filings (10-K and 10-Q reports).

Rhea AI KB FY2010 2026-04-28

A liability-funded balance sheet magnified a small drop in asset profitability into a shareholder loss despite positive cash generation.

Between FY2009 and FY2010, operating cash flow increased by about $500M while net income deteriorated by roughly $1.1B into a loss. That disconnect implies FY2010's pressure hit reported earnings faster than cash, which matters because a highly leveraged balance sheet can turn a modest asset shortfall into a much larger equity hit.

FY2010 carried total assets of $222.7B against only $15.0B of equity, a structure that relies on earning narrow spreads across a very large asset base. In that setup, a -0.2% return on assets was enough to push return on equity to -3.5%.

Free cash flow reached $3.7B and year-end cash climbed to $3.4B, so the business was still producing internal liquidity in FY2010. With financing cash flow negative, the pattern looks more like a profitability squeeze than a funding squeeze.

Financial Health Signals

Financial Profile 20/100

Based on FY2025 annual data, averaged across the last 3 years for performance metrics (most-recent year weighted highest). How this score is calculated →

Health score ≠ stock price. This rates the quality of KB Finanical Group's business: profitability, growth, balance sheet strength. It doesn't tell you whether the stock is a good buy at today's price. Not financial advice. Use it alongside valuation analysis and your own research.

Leverage

KB Finanical Group has elevated debt relative to equity (D/E of 12.12), meaning the company relies heavily on borrowed funds. This high leverage results in a low score of 0/100, reflecting increased financial risk.

Returns

KB Finanical Group generates a 9.6% ROE, indicating limited profit relative to shareholders' investment. This results in a returns score of 21/100. This is up from -3.5% the prior year.

Piotroski F-Score Weak

3/9

KB Finanical Group passes 3 of 9 financial strength tests. 3 of 4 profitability signals pass, no leverage/liquidity signals pass (rising debt, declining liquidity, or share dilution).

Earnings Quality Mixed

0.72x

For every $1 of reported earnings, KB Finanical Group generates $0.72 in operating cash flow ($2.9B OCF vs $4.0B net income). This mixed ratio suggests some earnings may rely on non-cash accounting items.

Key Financial Metrics

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Earnings & Revenue

Revenue

N/A

EBITDA

N/A

Net Income

$4.0B

YoY+877.3%

KB Finanical Group reported $4.0B in net income in fiscal year 2025. This represents an increase of 877.3% from the prior year.

EPS (Diluted)

N/A

Cash & Balance Sheet

Free Cash Flow

$2.7B

YoY-27.7%

KB Finanical Group generated $2.7B in free cash flow in fiscal year 2025, representing cash available after capex. This represents a decrease of 27.7% from the prior year.

Cash & Debt

$17.0B

YoY+398.0%

KB Finanical Group held $17.0B in cash against $0 in long-term debt as of fiscal year 2025.

Dividends Per Share

N/A

Shares Outstanding

359M

YoY+4.5%

KB Finanical Group had 359M shares outstanding in fiscal year 2025. This represents an increase of 4.5% from the prior year.

Margins & Returns

Gross Margin

N/A

Operating Margin

N/A

Net Margin

N/A

Return on Equity

9.6%

YoY+13.1pp

KB Finanical Group's ROE was 9.6% in fiscal year 2025, measuring profit generated per dollar of shareholder equity. This is up 13.1 percentage points from the prior year.

Capital Allocation

R&D Spending

N/A

Share Buybacks

$1.0B

KB Finanical Group spent $1.0B on share buybacks in fiscal year 2025, returning capital to shareholders by reducing shares outstanding.

Capital Expenditures

$230.8M

YoY+117.8%

KB Finanical Group invested $230.8M in capex in fiscal year 2025, funding long-term assets and infrastructure. This represents an increase of 117.8% from the prior year.

KB Income Statement

Metric	FY25	FY10	FY09
Revenue	N/A	$11.5B-1.3%	$11.7B
Cost of Revenue	N/A	N/A	N/A
Gross Profit	N/A	N/A	N/A
R&D Expenses	N/A	N/A	N/A
SG&A Expenses	N/A	$813.9M+10.5%	$736.5M
Operating Income	N/A	N/A	N/A
Interest Expense	N/A	$6.2B-12.8%	$7.1B
Income Tax	$1.6B+502.9%	$269.0M+50.9%	$178.3M
Net Income	$4.0B+877.3%	-$520.2M-184.0%	$619.3M
EPS (Diluted)	N/A	$-1.52-179.7%	$1.90

Metric	Q3'11	Q3'10
Revenue	N/A	N/A
Cost of Revenue	N/A	N/A
Gross Profit	N/A	N/A
R&D Expenses	N/A	N/A
SG&A Expenses	N/A	N/A
Operating Income	N/A	N/A
Interest Expense	N/A	N/A
Income Tax	N/A	N/A
Net Income	N/A	N/A
EPS (Diluted)	N/A	N/A

KB Balance Sheet

Metric	FY25	FY10	FY09
Total Assets	$552.4B+148.1%	$222.7B+2.1%	$218.2B
Current Assets	N/A	N/A	N/A
Cash & Equivalents	$17.0B+398.0%	$3.4B+43.5%	$2.4B
Inventory	N/A	N/A	N/A
Accounts Receivable	N/A	N/A	N/A
Goodwill	$1.1B+115.0%	$518.2M+4.1%	$498.0M
Total Liabilities	$510.3B+145.8%	$207.6B+2.2%	$203.1B
Current Liabilities	N/A	N/A	N/A
Long-Term Debt	N/A	N/A	N/A
Total Equity	$42.1B+180.1%	$15.0B-0.3%	$15.1B
Retained Earnings	$26.5B+197.1%	$8.9B-3.6%	$9.3B

Metric	Q3'11	Q3'10
Total Assets	$222.7B+2.1%	$218.2B
Current Assets	N/A	N/A
Cash & Equivalents	$3.4B+43.5%	$2.4B
Inventory	N/A	N/A
Accounts Receivable	N/A	N/A
Goodwill	$518.2M+4.1%	$498.0M
Total Liabilities	$207.6B+2.2%	$203.1B
Current Liabilities	N/A	N/A
Long-Term Debt	N/A	N/A
Total Equity	$15.0B-0.3%	$15.1B
Retained Earnings	$8.9B-3.6%	$9.3B

KB Cash Flow Statement

Metric	FY25	FY10	FY09
Operating Cash Flow	$2.9B-23.7%	$3.8B+15.0%	$3.3B
Capital Expenditures	$230.8M+117.8%	$106.0M-34.1%	$160.8M
Free Cash Flow	$2.7B-27.7%	$3.7B+17.5%	$3.2B
Investing Cash Flow	-$3.8B-103.3%	-$1.9B+53.9%	-$4.1B
Financing Cash Flow	$4.0B+548.6%	-$894.7M-282.9%	$489.3M
Dividends Paid	$901.5M+1191.9%	$69.8M	N/A
Share Buybacks	$1.0B	N/A	$2.0M

Metric	Q3'11	Q3'10
Operating Cash Flow	N/A	N/A
Capital Expenditures	N/A	N/A
Free Cash Flow	N/A	N/A
Investing Cash Flow	N/A	N/A
Financing Cash Flow	N/A	N/A
Dividends Paid	N/A	N/A
Share Buybacks	N/A	N/A

KB Financial Ratios

Metric	FY25	FY10	FY09
Gross Margin	N/A	N/A	N/A
Operating Margin	N/A	N/A	N/A
Net Margin	N/A	-4.5%-9.8pp	5.3%
Return on Equity	9.6%+13.1pp	-3.5%-7.6pp	4.1%
Return on Assets	0.7%+1.0pp	-0.2%-0.5pp	0.3%
Current Ratio	N/A	N/A	N/A
Debt-to-Equity	12.12-1.7	13.81+0.3	13.47
FCF Margin	N/A	32.3%+5.2pp	27.2%

Metric	Q3'11	Q3'10
Gross Margin	N/A	N/A
Operating Margin	N/A	N/A
Net Margin	N/A	N/A
Return on Equity	N/A	N/A
Return on Assets	N/A	N/A
Current Ratio	N/A	N/A
Debt-to-Equity	13.81+0.3	13.47
FCF Margin	N/A	N/A

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Frequently Asked Questions

Is KB Finanical Group profitable?

Yes, KB Finanical Group (KB) reported a net income of $4.0B in fiscal year 2025.

What is KB Finanical Group's return on equity (ROE)?

KB Finanical Group (KB) has a return on equity of 9.6% for fiscal year 2025, measuring how efficiently the company generates profit from shareholder equity.

What is KB Finanical Group's free cash flow?

KB Finanical Group (KB) generated $2.7B in free cash flow during fiscal year 2025. This represents a -27.7% change compared to the previous fiscal year. Free cash flow represents the cash a company generates after accounting for capital expenditures, and is widely used to assess financial flexibility and shareholder value.

What is KB Finanical Group's operating cash flow?

KB Finanical Group (KB) generated $2.9B in operating cash flow during fiscal year 2025, representing cash generated from core business activities.

What are KB Finanical Group's total assets?

KB Finanical Group (KB) had $552.4B in total assets as of fiscal year 2025, including both current and long-term assets.

What are KB Finanical Group's capital expenditures?

KB Finanical Group (KB) invested $230.8M in capital expenditures during fiscal year 2025, funding long-term assets and infrastructure.

Does KB Finanical Group buy back shares?

Yes, KB Finanical Group (KB) spent $1.0B on share buybacks during fiscal year 2025, returning capital to shareholders by reducing shares outstanding.

How many shares does KB Finanical Group have outstanding?

KB Finanical Group (KB) had 359M shares outstanding as of fiscal year 2025.

What is KB Finanical Group's debt-to-equity ratio?

KB Finanical Group (KB) had a debt-to-equity ratio of 12.12 as of fiscal year 2025, measuring the company's financial leverage by comparing total debt to shareholder equity.

What is KB Finanical Group's return on assets (ROA)?

KB Finanical Group (KB) had a return on assets of 0.7% for fiscal year 2025, measuring how efficiently the company uses its assets to generate profit.

What is KB Finanical Group's Piotroski F-Score?

KB Finanical Group (KB) has a Piotroski F-Score of 3 out of 9, indicating weak financial health. The F-Score evaluates nine binary signals across profitability (positive ROA, positive cash flow, improving ROA, earnings quality), leverage (decreasing debt, improving liquidity, no share dilution), and operating efficiency (improving gross margin, improving asset turnover). Scores of 7 to 9 indicate strong and improving fundamentals. Learn more in our complete guide to financial health indicators.

Are KB Finanical Group's earnings high quality?

KB Finanical Group (KB) has an earnings quality ratio of 0.72x, considered mixed quality. This ratio compares operating cash flow to net income. A ratio above 1.0x means the company generates more cash than its reported earnings, indicating sustainable, cash-backed profits. Ratios below 1.0x suggest earnings rely on accounting accruals rather than actual cash generation. Learn more in our complete guide to financial health indicators.

How financially healthy is KB Finanical Group?

KB Finanical Group (KB) scores 20 out of 100 on our Financial Profile, indicating weak overall financial health. This composite score evaluates six dimensions: profitability (operating margin), revenue growth, leverage (debt-to-equity), liquidity (current ratio), cash flow quality (free cash flow margin), and shareholder returns (return on equity). Each dimension is normalized against standard financial benchmarks. Learn more in our complete guide to financial health indicators.