Stock

KB Financial Group

KB
62
Banks - Regional · Financial Services
Price
$118.81
+0.93 (+0.79%)
Market Cap
$41.99B
Exchange
New York Stock Exchange
Winston Score
62
Winston is curious
A decent business — some strong pillars, some weaker.
Data as of Oct 18, 2026 · filings through Jun 30, 2026

§How the score breaks down

Bank Quality
Not counted
n/a
Growth
Strong
14/20
Capital Strength
Not counted
n/a
Asset Quality
Not counted
n/a
Valuation
Strong
7/10
Ownership
Mixed
6/15
Dividends
Strong
4/5

31 of 50 counted points = Winston Score 62. Pillars marked n/a do not apply to this company and are left out of the total.

Share count falling — buybacks

−4.1% over 4y

The company has reduced its share count over this period, returning value to shareholders through buybacks.

Diluted shares outstanding: 398.6M (2021) → 382.2M (2025)

§Winston Score History

The full picture

KB Financial Group is one of South Korea's largest financial companies. It owns KB Kookmin Bank, which is the biggest bank in South Korea by assets. The group also runs businesses in insurance, credit cards, securities brokerage, and asset management, serving millions of individual customers, small businesses, and large corporations across South Korea.

KB Financial makes money by collecting interest on loans it gives to customers and businesses, and by charging fees for services like credit cards, insurance premiums, and investment products. It operates mainly in South Korea, with a smaller presence in other Asian markets and a few international offices. Its large customer base and the KB Kookmin brand give it a strong competitive position in a market where switching banks is uncommon. The main risks it faces include rising loan defaults if the South Korean economy slows down, and pressure on profit margins if interest rates fall.

Score breakdown

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Bank Quality

Not applicable for this business.

Growth

Sales growth
Sales YoY
-1.9%
Shrinking sales (-1.9% YoY)
Profit growth
EPS YoY
+18.0%
Earnings growing fast (+18.0% YoY)

Healthy double-digit earnings growth — what compounders look like.

How steady the profit is
EPS Consistency
8/8 quarters
Every recent quarter grew earnings vs last year

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Capital Strength

Not applicable for this business.

Asset Quality

Not applicable for this business.

Valuation

Price vs profit
P/E Ratio (TTM)
9.3x
Attractive valuation — P/E 9.3

P/E under 10. The price tag is small relative to last year's profit.

Cheaper or dearer next year
P/E vs Forward
+0.1
GROWING
Earnings roughly flat

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Dividends

Dividend
Dividend Yield
2.61%
Moderate income — 2.61% yield

Standard yield zone for stable dividend payers. A meaningful piece of total return.

Dividend record
Dividend Growth
+35.2%
Dividend growing fast (35.2% YoY)
Payout Ratio
28%
no trend
Pays out a modest share of profit and keeps the rest to reinvest. Room to keep paying through a weak year.

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