KB Financial Group Inc (KB)

NYSE: KB · Commercial Banks, NEC · Seoul, KR · filing with the SEC since 2008

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Grade5.2

◀ Past 6.1● Present 4.9▶ Future 4.3

2 est.

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The grade of KB Financial Group Inc

Nine metrics read from its own filings, by tense

Headline grade

5.2/10

◀ Past6.140% of the headline

● Present4.935% of the headline

▶ Future4.325% of the headline

All three tenses have at least two readings, so the archetype blend applies as printed.

Of the nine metrics, 7 read as filed from the record and 2 are SI estimates, each with its reasoning, its confidence and what would change it on its card.

◀ Past

What did they actually do?

6.1/1040% of the headline grade · 3 of 3 filed

Surviving crises

as filed

5.9/10

Has it survived what it has been through?

No warning events in its filings since 2017.

weight 45% of this tense · 59th percentile among 33 sector filers · read for itself

From the record

KB Financial Group Inc's filings since 2017 show no warning events in the scan: no bankruptcy or receivership notice, no debt default notice, no exchange listing notice, no restatement warning, no auditor change, no material cyber incident and no late-report notice (its current reports).

A production reading, recomputed from the filings on every data build, read from EDGAR Nov 13, 2026.

Track record

as filed

5.8/10

What has it actually done, year after year?

+11.8% a year over 8 filed years; profitable in 8 of 8.

weight 22% of this tense · 58th percentile among 22 sector filers · read for its customers

From the record

KB Financial Group Inc's 8 filed years say what it did: revenue went from KRW 7445 billion in fiscal 2016 to KRW 16229 billion in fiscal 2023, up 11.8% a year; it rose in 6 of 7 years; the deepest fall was 5% from fiscal 2021 to fiscal 2022; net income was positive in 8 of 8 of those years (its annual reports).

What it rests on

revenue growth over the filed span11.8%top 34% of its family
the share of years revenue rosetop 50% of its family
the share of filed years with a profittop 40% of its family
the deepest fall from a revenue peak4.9%top 43% of its family

A production reading, recomputed from the filings on every data build, read from EDGAR Nov 13, 2026.

Shareholder treatment

as filed

6.5/10

How has it treated the people who own it?

Share count shrank 1.3% a year. 46% of cash flow returned. Insiders: 0 sales, 0 purchases.

weight 33% of this tense · 65th percentile among 29 sector filers · read for its shareholders

From the record

Over the 3 fiscal years to 2024-12-31, KB Financial Group Inc's diluted share count shrank about 1.3% a year, and dividends and buybacks returned about 46% of its operating cash flow over 3 years (its filed statements). Its officers and directors filed 0 sales and 0 purchases of their own stock on the open market in the year to 2026-09-30 (their Form 4 filings).

What it rests on

the share count over the yearstop 43% of its family
cash returned against operating cash flowtop 27% of its family

A production reading, recomputed from the filings on every data build, read from EDGAR Nov 13, 2026.

● Present

What are they doing right now?

4.9/1035% of the headline grade · 2 of 3 filed, 1 estimated

Financial health

as filed

5.0/10

Is it financially healthy right now?

ROE 8%: 8¢ of profit per shareholder dollar. Leverage 92%: owes 92¢ per asset dollar.

weight 45% of this tense · 50th percentile among 31 sector filers · read for itself

From the record

Return on equity: in the fiscal year ended 2024-12-31, KB Financial Group Inc earned about 8 cents of profit for every dollar of shareholders' money. Leverage: it owed about 92 cents per dollar of assets, and net share issuance: its share count shrank 2.5% over the year (the filed statements).

What it rests on

what it owes per dollar of assetsbottom 44% of its family
return on equitybottom 24% of its family
the share count against the year beforetop 19% of its family

A production reading, recomputed from the filings on every data build, read from EDGAR Nov 13, 2026.

Industry position

as filed

4.8/10

How strong is its position in its industry?

bottom 48% of 21 in its family; net margin 27.9%.

weight 33% of this tense · 48th percentile among 21 sector filers · read for its customers

From the record

KB Financial Group Inc's standing among 21 graded names in its industry family: revenue of KRW 16229 billion in fiscal 2023 is not ranked by size, since the family reports in another currency; a net margin of 27.9% ranks in the top 48%; revenue growth of 9.1% a year over the last 3 filed years ranks in the bottom 43% (its annual reports).

What it rests on

net margin27.9%top 48% of its family
three-year revenue growth9.1%bottom 43% of its family

A production reading, recomputed from the filings on every data build, read from EDGAR Nov 13, 2026.

Leadership

SI estimate

5.0/10

What are the people in charge doing?

SI estimate 5.0/10, confidence 15 of 100 (universe median).

weight 22% of this tense · 50th percentile among 3816 sector filers · read for its shareholders

SI estimate Inferred, not read as filed

Why it is an estimate: It files no Form 8-K (a foreign issuer reports on Form 6-K), so officer and director changes cannot be read there; no officer or director has filed a Form 3, 4 or 5 for it in the last fifteen months, so the years in charge cannot be read, and its family carries too few readings to lean on, so the desk assumes the typical reading over all 3816 companies with one.
What the record cannot read: It files no Form 8-K (a foreign issuer reports on Form 6-K), so officer and director changes cannot be read there; no officer or director has filed a Form 3, 4 or 5 for it in the last fifteen months, so the years in charge cannot be read.
How it was reasoned: universe median, 3816 readings behind it.
Confidence: 15 of 100
What would change it: Its next annual report on file with the inputs replaces this estimate with the filed reading.

From the record

SI estimate, not a filed reading: KB Financial Group Inc's leadership is put at 5.0 of 10 with a confidence of 15 of 100, because it files no Form 8-K (a foreign issuer reports on Form 6-K), so officer and director changes cannot be read there; no officer or director has filed a Form 3, 4 or 5 for it in the last fifteen months, so the years in charge cannot be read, and its family carries too few readings to lean on, so the desk assumes the typical reading over all 3816 companies with one. Its next annual report on file with the inputs replaces this estimate with the filed reading.

▶ Future

What are they set up to do next?

4.3/1025% of the headline grade · 2 of 3 filed, 1 estimated

Room to expand

SI estimate

3.4/10

How much room does it have to grow?

SI estimate 3.4/10, confidence 35 of 100 (one part).

weight 33% of this tense · 34th percentile among 31 sector filers · read for itself

SI estimate Inferred, not read as filed

Why it is an estimate: Read from one part only, cash less debt against assets, which ranks in the bottom 34% of 31 in its family; the record does not carry two of the four parts: cash less debt against assets, cash from operations less capital spending against revenue, gross margin, research against revenue.
What the record cannot read: The record does not carry two of the four parts: cash less debt against assets, cash from operations less capital spending against revenue, gross margin, research against revenue.
How it was reasoned: one part: cash less debt against assets, the one part on file, ranked among 31 in its family.
Confidence: 35 of 100
What would change it: A filing that carries the missing parts replaces this estimate with the filed reading.

From the record

SI estimate, not a filed reading: KB Financial Group Inc's room to expand is put at 3.4 of 10 with a confidence of 35 of 100, because read from one part only, cash less debt against assets, which ranks in the bottom 34% of 31 in its family; the record does not carry two of the four parts: cash less debt against assets, cash from operations less capital spending against revenue, gross margin, research against revenue. A filing that carries the missing parts replaces this estimate with the filed reading.

Growth drivers

as filed

4.4/10

What could actually drive growth from here?

bottom 44% of 22 in its family for growth drivers.

weight 33% of this tense · 44th percentile among 22 sector filers · read for its customers

From the record

KB Financial Group Inc's growth drivers, from the filed years to fiscal 2023: revenue grew 9.1% a year over the last three filed years against 11.8% over all 8, slowing (bottom 40% of its family); the newest year grew 17.8% (top 30%); capital spending grew 5.6% a year (bottom 21%) (its annual reports). KB Financial Group Inc tags no split of its revenue by line in the annual report on file, so growth by line cannot be read here; research and capital spending are on the trend.

What it rests on

three-year growth against the whole span-2.7 points a yearbottom 40% of its family
the newest year's revenue growth17.8%top 30% of its family
three-year growth of capital spending5.6%bottom 21% of its family

A production reading, recomputed from the filings on every data build, read from EDGAR Nov 13, 2026.

Expectations vs reality

as filed

5.0/10

Did its newest year beat what its own record pointed to?

top 49% of 20 in its family for expectations against reality.

weight 33% of this tense · 51st percentile among 20 sector filers · read for its shareholders

From the record

KB Financial Group Inc's newest year against its own record: revenue of KRW 16229 billion in fiscal 2023 came in 12.1% above the KRW 14474 billion its prior three years' pace pointed to (top 18% of its family); net income of KRW 4526 billion against a prior three-year average of KRW 3930 billion (bottom 33%); a net margin of 27.9% against 28.9% before (bottom 38%) (its annual reports).

What it rests on

revenue against the prior three years' pace12.1%top 18% of its family
net income against the prior three years' average+15%bottom 33% of its family
net margin against its prior average-1.0 pointsbottom 38% of its family

A production reading, recomputed from the filings on every data build, read from EDGAR Nov 13, 2026.

The grade is the company against its own industry, from its filings. It is not a view on the share price. How the grade is made

SI Assistanton KB · research, not advice