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KB Financial Group Inc (KB) Financials

KB
FY2025 annual
Revenue Not reported for FY2025
Net Income $4.0B YoY not available
Free Cash Flow $2.7B YoY not available
Operating Cash Flow $2.9B YoY not available
Market Cap $42.6B as of Oct 13, 2026
Price / Sales n/m no revenue reported
Price / Earnings 10.5x on $4.0B net income, FY2025
Price / Book 2.8x on $15.0B equity, Q3 FY2011

A multiple compares the market's price with a filed figure; it says what the market pays, not how the business is doing. The market capitalization is the vendor's as of Oct 13, 2026; every other figure is from the SEC filings on this page. Not financial advice.

Source SEC Filings (10-K/10-Q) Latest period FY2025, ended Apr 28, 2026 Reported Currency USD FYE April

Newest figures come from the 20-F for FY2025, filed Apr 28, 2026. Each column of the statement tables below links to the filing it was taken from, and every filing is listed on the KB SEC filings page.

This page shows KB Financial Group Inc (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 FY2025

The latest balance sheet is heavily liability-funded, while cash generation trails profit and leaves little separation between operating and free cash flow.

Net income of $4.0B exceeded operating cash flow of $2.9B, so accounting profit was not fully realized in operating cash. Free cash flow of $2.7B was only modestly below operating cash flow of $2.9B, indicating capital spending was not the main source of the conversion gap.

Liabilities of $510.3B against assets of $552.4B leave a relatively small equity base of $42.1B supporting the balance sheet. That structure produces 12.1x debt-to-equity; ROE of 9.6% therefore sits well above ROA of 0.7%, showing how leverage amplifies returns on shareholders’ capital.

Some figures from recent filings were inconsistent and were omitted from this summary.

Generated by Rhea from SEC filings [ NOT FINANCIAL ADVICE ]

Financial Health Signals

Financial health score not available

KB Financial Group Inc does not currently provide enough eligible data for a peer-relative financial health score, so none is published. The signals and metrics below are current.

Piotroski F-Score Partial
3/5

KB Financial Group Inc passes 3 of 5 computable financial strength tests (4 of the nine could not be computed from available data). 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 Financial Group Inc 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

None of these metrics is reported for Q3 2011.

Cash & Balance Sheet

Cash & Debt
$3.4B
YoY+43.5%
QoQ+43.5%

KB Financial Group Inc held $3.4B in cash as of Q3 2011; long-term debt is not reported for that period.

Shares Outstanding
343M
YoY0.0%
QoQ0.0%

KB Financial Group Inc had 343M shares outstanding in Q3 2011. That is unchanged from the same quarter a year earlier. It is unchanged from the prior quarter.

Free Cash Flow

Not reported for Q3 2011.

Dividends Per Share

Not reported for Q3 2011.

Margins & Returns

None of these metrics is reported for Q3 2011.

Capital Allocation

None of these metrics is reported for Q3 2011.

KB Income Statement

Figures in USD, abbreviated K (thousand), M (million), B (billion), T (trillion). Negative values carry a minus sign and red type. Each change compares the year with the year before it, and each quarter with the same quarter a year earlier.

KB quarterly income statement
MetricQ3'1110-KQ3'1010-K

Not reported in any period shown, so not listed: Revenue, Cost of Revenue, Gross Profit, R&D Expenses, SG&A Expenses, Operating Income, EBITDA, Interest Expense, Income Tax, Net Income, EPS (Basic), EPS (Diluted), Diluted Shares (Avg).

KB Balance Sheet

Figures in USD, abbreviated K (thousand), M (million), B (billion), T (trillion). Negative values carry a minus sign and red type. Each change compares the year with the year before it, and each quarter with the same quarter a year earlier.

KB quarterly balance sheet
MetricQ3'1110-KQ3'1010-K
Total Assets$222.7B+2.1%$218.2B
Cash & Equivalents$3.4B+43.5%$2.4B
Short-Term Investments$0$0
Long-Term Investments$0$0
Goodwill$518.2M+4.1%$498.0M
Total Liabilities$207.6B+2.2%$203.1B
Total Equity$15.0B-0.3%$15.1B
Retained Earnings$8.9B-3.6%$9.3B

Not reported in any period shown, so not listed: Current Assets, Inventory, Accounts Receivable, Current Liabilities, Non-Current Liabilities, Long-Term Debt.

KB Cash Flow Statement

Figures in USD, abbreviated K (thousand), M (million), B (billion), T (trillion). Negative values carry a minus sign and red type. Each change compares the year with the year before it, and each quarter with the same quarter a year earlier.

KB quarterly cash flow statement
MetricQ3'1110-KQ3'1010-K

Not reported in any period shown, so not listed: Operating Cash Flow, Depreciation & Amortization, Stock-Based Compensation, Capital Expenditures, Free Cash Flow, Investing Cash Flow, Financing Cash Flow, Dividends Paid, Share Buybacks.

KB Financial Ratios

Margins and returns are percentages; the remaining ratios are unitless multiples. Each change compares the year with the year before it, and each quarter with the same quarter a year earlier.

KB quarterly financial ratios
MetricQ3'1110-KQ3'1010-K
Debt-to-Equity13.81+0.3x13.47

Not reported in any period shown, so not listed: Gross Margin, Operating Margin, Net Margin, Return on Equity, Return on Assets, Current Ratio, Asset Turnover, FCF Margin.

Similar Companies

Newest fiscal year on record for each company. The health score is the peer-relative Financial Health Score for that year; a dash means no score is published for it.

Company Fiscal year Revenue Net income Net margin Market cap Health score
KB Financial Group Inc KB FY2025 N/A $4.0B N/A $42.6B —
M&T Bank Corp. MTB FY2025 $9.7B $2.9B 29.4% $31.8B 53/100
Fifth Third Bancorp FITB FY2025 $9.0B $2.5B 28.0% $46.1B 52/100
Huntington Bancshares Inc HBAN FY2025 $8.2B $2.2B 27.1% $31.1B 44/100
Shinhan Financial Group Co Ltd SHG FY2010 $10.6B $2.5B 23.8% $35.3B —

Frequently Asked Questions

Is KB Financial Group Inc profitable?

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

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

KB Financial Group Inc (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 Financial Group Inc's free cash flow?

KB Financial Group Inc (KB) generated $2.7B in free cash flow during fiscal year 2025. 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.

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

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

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

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

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

KB Financial Group Inc (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.

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

KB Financial Group Inc (KB) trades at 10.5x earnings, its market capitalization divided by net income of $4.0B net income, FY2025. The market capitalization is $42.6B as of Oct 13, 2026; a multiple compares that price with a filed figure and says nothing about the quality of the business.

KB Financial Group Inc (KB) has no price-to-sales ratio at the moment: no revenue reported. The market capitalization is $42.6B as of Oct 13, 2026; a multiple compares that price with a filed figure and says nothing about the quality of the business.

KB Financial Group Inc (KB) has a Piotroski F-Score of 3 out of 5 computable signals; 4 of the nine could not be computed from available data, so the full-scale strength rating is not shown. 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.

KB Financial Group Inc (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.

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