KB Financial (NYSE: KB) posts strong 2025 profit growth

Rhea-AI Filing Summary

KB Financial Group Inc. reported preliminary consolidated results for fiscal year 2025 showing higher profits despite slightly lower revenue. Operating revenue was ₩81,378,163,985, down 4.50% from 2024, but net operating profit rose to ₩8,531,244,376, up 6.04%. Profit before income tax increased 17.34% to ₩8,196,679,379, and profit for the period grew 16.34% to ₩5,850,527,165. The group attributes these gains mainly to higher interest income from growth in average loan and financial assets and stronger fee income from robust product sales. Subsidiaries contributed meaningfully: Kookmin Bank’s 2025 profit for the period rose 21.7% and KB Securities’ operating revenue increased 30.61%, both on a consolidated basis.

Positive

• Group-wide profit growth: FY 2025 consolidated profit for the period rose 16.34% to ₩5.85T, with profit before income tax up 17.34%, indicating materially stronger earnings.
• Subsidiary performance: Kookmin Bank’s 2025 profit for the period increased 21.7%, and KB Securities’ operating revenue rose 30.61%, showing broad-based contribution to group earnings.

Negative

• None.

Insights

Banking and financials equity analyst

KB Financial’s 2025 profits rose double digits on loan and fee growth.

KB Financial Group delivered higher 2025 profitability even as operating revenue edged down. Consolidated operating revenue declined 4.50% to ₩81.4T, but net operating profit increased 6.04%, with profit before tax up 17.34% and bottom-line profit up 16.34%.

The group links this to increased interest income from a larger average balance of loans and financial assets, alongside higher fee income from strong product sales. This suggests asset growth and fee-generating businesses are supporting earnings, even with headline revenue pressure.

Subsidiaries show similar trends. Kookmin Bank posted a 21.7% rise in profit for the period despite a 17.4% drop in operating revenue, while KB Securities grew operating revenue by 30.61% and profit by 15.59%. Future disclosures in audited statements and detailed segment breakdowns will clarify the sustainability and mix of these earnings drivers.

UNITED STATES

SECURITIES AND EXCHANGE COMMISSION

Washington, D.C. 20549

Form 6-K

REPORT OF FOREIGN PRIVATE ISSUER

PURSUANT TO RULE 13a-16 OR 15d-16

UNDER THE SECURITIES EXCHANGE ACT OF 1934

For the month of February 2026

Commission File Number: 000-53445

KB Financial Group Inc.

(Translation of registrant’s name into English)

26, Gukjegeumyung-ro 8-gil, Yeongdeungpo-gu, Seoul 07331, Korea

(Address of principal executive office)

Indicate by check mark whether the registrant files or will file annual reports under cover of Form 20-F or Form 40-F.

Form 20-F  ☒    Form 40-F ☐

Preliminary Operating Results for Fiscal Year 2025

On February 5, 2026, KB Financial Group Inc. (“KB Financial Group”) held an earnings conference and released its preliminary operating results for fiscal year 2025. The following tables reflect the key figures released during the conference. The presentation materials for the conference, which contain further details, are available at KB Financial Group’s website (http://www.kbfg.com).

The preliminary figures presented herein are based on International Financial Reporting Standards as adopted by the Republic of Korea (“K-IFRS”) and are currently being reviewed audited by KB Financial Group’s independent auditors and are therefore subject to change.

1. Preliminary Operating Results of KB Financial Group (Consolidated)

(Won in millions, %)				4Q 2025				3Q 2025				% Change Increase (Decrease) (Q to Q)				4Q 2024				% Change Increase (Decrease) (Y to Y)
Operating revenue		Specified Quarter			22,461,380				14,972,327				50.02				26,467,245				(15.14	)
		Cumulative			81,378,164				—				—				85,214,124				(4.50	)
Net operating profit		Specified Quarter			1,770,255				2,334,990				(24.19	)			1,031,562				71.61
		Cumulative			8,531,244				—				—				8,045,261				6.04
Profit before income tax		Specified Quarter			1,285,499				2,261,433				(43.16	)			925,929				38.83
		Cumulative			8,196,679				—				—				6,985,247				17.34
Profit for the period		Specified Quarter			748,597				1,655,228				(54.77	)			659,828				13.45
		Cumulative			5,850,527				—				—				5,028,606				16.34
Profit attributable to shareholders of the parent company		Specified Quarter			721,241				1,686,040				(57.22	)			684,072				5.43
		Cumulative			5,842,974				—				—				5,078,221				15.06

Notes: 1) “Operating revenue” represents the sum of interest income, fee and commission income, insurance income, reinsurance income, gain on financial assets/liabilities at fair value through profit or loss, other insurance finance income and other operating income.

2. Preliminary Operating Results of Kookmin Bank (Consolidated)

(Won in millions, %)					4Q 2025				3Q 2025				% Change Increase (Decrease) (Q to Q)				4Q 2024				% Change Increase (Decrease) (Y to Y)
Operating revenue		Specified Quarter			11,102,884				6,444,666				72.28				17,400,343				(36.19	)
		Cumulative			42,528,587				—				—				51,497,328				(17.42	)
Net operating profit		Specified Quarter			1,215,123				1,573,852				(22.79	)			946,716				28.35
		Cumulative			5,734,309				—				—				5,398,865				6.21
Profit before income tax		Specified Quarter			838,574				1,578,930				(46.89	)			871,999				(3.83	)
		Cumulative			5,328,752				—				—				4,445,298				19.87
Profit for the period		Specified Quarter			489,463				1,175,328				(58.36	)			612,944				(20.15	)
		Cumulative			3,834,631				—				—				3,151,402				21.68
Profit attributable to shareholders of the parent company		Specified Quarter			497,430				1,176,943				(57.74	)			633,869				(21.52	)
		Cumulative			3,861,978				—				—				3,251,759				18.77

Note: 1) “Operating revenue” represents the sum of interest income, fee and commission income, gain on financial assets/liabilities at fair value through profit or loss and other operating income.

3. Preliminary Operating Results of KB Securities Co., Ltd. (“KB Securities”) (Consolidated)

(Won in millions, %)					4Q 2025				3Q 2025				% Change Increase (Q to Q)				4Q 2024				% Change Increase (Y to Y)
Operating revenue		Specified Quarter			5,196,935				2,746,467				89.22				2,757,448				88.47
		Cumulative			14,148,226				—				—				10,832,031				30.61
Net operating profit		Specified Quarter			243,652				225,265				8.16				45,312				437.72
		Cumulative			911,571				—				—				780,786				16.75
Profit before income tax		Specified Quarter			232,983				213,388				9.18				38,336				507.74
		Cumulative			906,891				—				—				748,633				21.14
Profit for the period		Specified Quarter			179,958				160,067				12.43				37,745				376.77
		Cumulative			682,386				—				—				590,361				15.59
Profit attributable to shareholders of the parent company		Specified Quarter			178,968				159,172				12.44				40,259				344.54
		Cumulative			679,737				—				—				591,153				14.98

Notes: 1)		The above figures are based on KB Securities’ consolidated financial statements, as a result of which the figures may differ from KB Securities’ earnings results to be released at KB Financial Group’s earnings conference for fiscal year of 2025, which are based on KB Financial Group’s consolidated financial statements.
		2) “Operating revenue” represents operating income based on KB Securities’ financial statements.

Report of Change in Revenue or Profit of More than 15% (KB Financial Group)

On February 5, 2026, KB Financial Group reported changes in its revenue and profit as described below.

Key Details (Consolidated)

(Won in thousands)			FY 2025				FY 2024				Amount Increase (Decrease)				% Change Increase (Decrease)
Revenue and Profit
- Operating revenue			81,378,163,985				85,214,123,573				(3,835,959,588)				(4.50)
- Net operating profit			8,531,244,376				8,045,261,241				485,983,135				6.04
- Profit from continuing operations before income tax			8,196,679,379				6,985,247,154				1,211,432,225				17.34
- Profit for the period			5,850,527,165				5,028,606,050				821,921,115				16.34
Primary reason for the change in revenue/profit			An increase in interest income, primarily due to an increase in the average balance of loan and financial assets, as well as an increase in fee income driven by robust product sales
Other Financial Data
- Total assets			797,923,033,049				757,845,532,244
- Total liabilities			737,083,231,927				698,030,350,915
- Total equity			60,839,801,122				59,815,181,329
- Capital stock			2,090,557,685				2,090,557,685
- Total equity / Capital stock ratio (%)			2,910.2				2,861.2

Note: 1) The preliminary figures presented above are based on K-IFRS and are subject to change pending the results of the audit by KB Financial Group’s independent auditors.

   2) “Operating revenue” represents the sum of interest income, fee and commission income, insurance income, reinsurance income, gain on financial assets/liabilities at fair value through profit or loss, other insurance finance income and other operating income.

   3) “Profit for the period” comprises the total profit for the period, including profit attributable to both controlling interests and non-controlling interests.

Report of Change in Revenue or Profit of More than 15% (Kookmin Bank)

On February 5, 2026, KB Financial Group reported changes in the revenue and profit of Kookmin Bank as described below.

Key Details (Consolidated)

(Won in thousands)			FY 2025				FY 2024				Amount Increase (Decrease)				% Change Increase (Decrease)
Revenue and Profit
- Operating revenue			42,528,587,100				51,497,328,149				(8,968,741,049)				(17.4)
- Net operating profit			5,734,309,009				5,398,864,988				335,444,021				6.2
- Profit from continuing operations before income tax			5,328,752,450				4,445,298,292				883,454,158				19.9
- Profit for the period			3,834,630,577				3,151,401,505				683,229,072				21.7
Primary reason for the change in revenue/profit			Increases in interest and non-interest income, as a result of asset growth and funding portfolio management.
Other Financial Data
- Total assets			584,934,967,347				562,887,179,524
- Total liabilities			545,969,514,375				524,859,859,741
- Total equity			38,965,452,972				38,027,319,783
- Capital stock			2,021,895,580				2,021,895,580
- Total equity / Capital stock ratio (%)			1,927.2				1,880.8

Note: 1) The preliminary figures presented above are based on K-IFRS and are subject to change pending the results of the audit by Kookmin Bank’s independent auditors.

   2) “Operating revenue” represents the sum of interest income, fee and commission income, gain on financial assets/liabilities at fair value through profit or loss and other operating income.

   3) “Profit for the period” comprises the total profit for the period, including profit attributable to both controlling interests and non-controlling interests.

Report of Change in Revenue or Profit of More than 15% (KB Securities)

On February 5, 2026, KB Financial Group reported changes in the revenue and profit of KB Securities as described below.

Key Details (Consolidated)

(Won in thousands)			FY 2025				FY 2024				Amount Increase				% Change Increase
Revenue and Profit
- Operating revenue			14,148,225,546				10,832,030,725				3,316,194,821				30.61
- Net operating profit			911,571,002				780,786,477				130,784,525				16.75
- Profit from continuing operations before income tax			906,891,711				748,633,013				158,258,698				21.14
- Profit for the period			682,385,418				590,360,820				92,024,598				15.59
Primary reason for the change in revenue/profit			An overall increase in key business sector performances, including brokerage fees.
Other Financial Data
- Total assets			76,474,890,336				63,390,535,353
- Total liabilities			69,578,155,095				56,502,205,677
- Total equity			6,896,735,241				6,888,329,676
- Capital stock			1,493,102,120				1,493,102,120
- Total equity / Capital stock ratio (%)			461.9				461.3

Note: 1) The preliminary figures presented above are based on K-IFRS and are subject to change pending the results of the audit by KB Securities’ independent auditors or the approval at KB Securities’ general meeting of shareholders.

   2) “Operating revenue” represents operating income based on KB Securities’ financial statements.

   3) “Profit for the period” comprises the total profit for the period, including profit attributable to both controlling interests and non-controlling interests.

SIGNATURES

Pursuant to the requirements of the Securities Exchange Act of 1934, the registrant has duly caused this report to be signed on its behalf by the undersigned, thereunto duly authorized.

				KB Financial Group Inc.
				(Registrant)
Date: February 5, 2026				By:		/s/ Sang Rok Na
				(Signature)
				Name: Sang Rok Na
				Title:  Senior Managing Director and Chief Financial Officer

FAQ

How did KB Financial Group (KB) perform financially in FY 2025?

KB Financial Group’s FY 2025 profit improved notably. Profit for the period rose 16.34% to ₩5,850,527,165 thousand, while profit before income tax increased 17.34%. This came despite a 4.50% decline in operating revenue versus 2024.

What drove KB Financial Group’s revenue and profit changes in 2025?

KB Financial Group attributes 2025 profit growth mainly to higher interest income from increased average loan and financial asset balances and stronger fee income from robust product sales. These factors offset the modest decline in consolidated operating revenue year over year.

How did Kookmin Bank, a KB Financial subsidiary, perform in FY 2025?

On a consolidated basis, Kookmin Bank’s 2025 operating revenue was ₩42,528,587,100 thousand, down 17.4% from 2024. However, profit for the period rose to ₩3,834,630,577 thousand, a 21.7% increase, supported by higher interest and non-interest income.

What were KB Securities’ key financial results for FY 2025?

KB Securities reported consolidated 2025 operating revenue of ₩14,148,225,546 thousand, up 30.61% from 2024. Profit for the period increased to ₩682,385,418 thousand, a 15.59% gain, driven by overall improvement in key business sectors, including brokerage fees.

Did KB Financial Group’s balance sheet change materially in 2025?

KB Financial Group’s total assets grew to ₩797,923,033,049 thousand in 2025 from ₩757,845,532,244 thousand in 2024. Total equity increased to ₩60,839,801,122 thousand, and the total equity-to-capital stock ratio rose from 2,861.2% to 2,910.2%.

How significant was the change in KB Financial Group’s net operating profit?

KB Financial Group’s consolidated net operating profit for 2025 reached ₩8,531,244,376 thousand, up 6.04% from ₩8,045,261,241 thousand in 2024. This growth, alongside higher pre-tax and bottom-line profits, signals stronger underlying operating performance.