KB Finanical Group Financials

FY2025 annual

Revenue Not reported for FY2025

Net Income $4.0B YoY not available

EPS (Diluted) Not reported for FY2025

Free Cash Flow $2.7B YoY not available

Source SEC Filings (10-K/10-Q) Latest period FY2025, ended Apr 28, 2026 Reported 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 FY2025 2026-08-15

Thin returns on a huge balance sheet drive profits here, with leverage turning a 0.7% ROA into 9.6% ROE.

With assets of $552.4B backed by only $42.1B of equity, the business does not need fat margins; it needs steady asset profitability. That is why a seemingly small 0.7% ROA becomes a much larger 9.6% ROE, showing that equity returns are created mainly by balance-sheet scale and leverage, not by capital-light economics.

Net income of $4.0B translated into operating cash flow of $2.9B, so accounting earnings outran cash generation in FY2025. But capex was just $231M, which kept free cash flow close at $2.7B; the cash story is less about physical reinvestment and more about how the funded balance sheet converts profit into cash.

Share buybacks of $1.0B plus dividends of $902M used most of that $2.7B free cash flow, leaving a smaller internally generated cushion after distributions. With cash and equivalents of $17.0B against $510.3B of liabilities, liquidity depends on balance-sheet structure more than on carrying a very large cash pile.

Financial Health Signals

Financial health score not available

KB Finanical Group 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 Finanical Group 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 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

Net Income

$4.0B

KB Finanical Group reported $4.0B in net income in fiscal year 2025.

Revenue

Not reported for fiscal year 2025.

EBITDA

Not reported for fiscal year 2025.

EPS (Diluted)

Not reported for fiscal year 2025.

Cash & Balance Sheet

Free Cash Flow

$2.7B

KB Finanical Group generated $2.7B in free cash flow in fiscal year 2025, representing cash available after capex.

Cash & Debt

$17.0B

KB Finanical Group held $17.0B in cash as of fiscal year 2025; long-term debt is not reported for that period.

Shares Outstanding

359M

KB Finanical Group had 359M shares outstanding in fiscal year 2025.

Dividends Per Share

Not reported for fiscal year 2025.

Margins & Returns

Return on Equity

9.6%

KB Finanical Group's ROE was 9.6% in fiscal year 2025, measuring profit generated per dollar of shareholder equity.

Gross Margin

Not reported for fiscal year 2025.

Operating Margin

Not reported for fiscal year 2025.

Net Margin

Not reported for fiscal year 2025.

Capital Allocation

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

KB Finanical Group invested $230.8M in capex in fiscal year 2025, funding long-term assets and infrastructure.

R&D Spending

Not reported for fiscal year 2025.

KB Income Statement

Figures in USD, abbreviated K (thousand), M (million), B (billion), T (trillion). Negative values carry a minus sign and red type.

KB quarterly income statement

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

Metric	Q3'11	Q3'10

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

KB Balance Sheet

Figures in USD, abbreviated K (thousand), M (million), B (billion), T (trillion). Negative values carry a minus sign and red type.

KB quarterly balance sheet

Metric	FY25	FY10	FY09
Total Assets	$552.4B	$222.7B+2.1%	$218.2B
Cash & Equivalents	$17.0B	$3.4B+43.5%	$2.4B
Goodwill	$1.1B	$518.2M+4.1%	$498.0M
Total Liabilities	$510.3B	$207.6B+2.2%	$203.1B
Total Equity	$42.1B	$15.0B-0.3%	$15.1B
Retained Earnings	$26.5B	$8.9B-3.6%	$9.3B

Metric	Q3'11	Q3'10
Total Assets	$222.7B+2.1%	$218.2B
Cash & Equivalents	$3.4B+43.5%	$2.4B
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, 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.

KB quarterly cash flow statement

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

Metric	Q3'11	Q3'10

Not reported in any period shown, so not listed: Operating Cash Flow, 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.

KB quarterly financial ratios

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

Metric	Q3'11	Q3'10
Debt-to-Equity	13.81+0.3x	13.47

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

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Where KB Finanical Group Ranks

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. 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 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.

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.