KB Financial Group Inc. (105560.KS) stock analysis

In our weekly check, KB Financial Group Inc. is graded D (A to F). Of 25 checks on debt, profit, cash flow and trend: 13 pass, warnings: 1, red flags: 11.

About KB Financial Group Inc.

KB Financial Group Inc. is a Financial Services company (Banks - Regional) based in South Korea, listed on KSC as 105560.KS.

What our checks show for 105560.KS

Red flags

• The net margin fell by 9.1 points over 5 years, to 12%: the company keeps less of each sale as profit.
• The gross margin fell by 23.1 points, to 52.3%: costs are rising faster than prices.
• Operating cash flow is negative while the company reports a profit: the profit does not arrive as cash.
• Analysts expect revenue to shrink about 31.1% a year.
• Free cash flow is negative (-28% of revenue): the business spends more cash than it brings in.
• The stock has fallen as much as 74% from a peak. Would you have held through that?
• Recovering from its deepest fall took about 15 years.
• Return on capital (ROCE) is only 1.1%.
• Pay in shares equals 0% of free cash flow: it dilutes shareholders.

Warning signs

• The price swings a lot: 40.5% annual volatility. Expect large ups and downs.

Strengths

• Analysts expect the net margin to improve by 27.5 points from today's 12%.
• Revenue grew 27.2% a year over the last 3 years.
• Earnings per share grew 18.7% a year over the last 3 years.
• Net profit grew 15.3% a year over the last 3 years.
• The dividend takes 28% of profit: there is a cushion.
• The price is 8.9 times earnings (P/E), reasonable for its growth.

Next earnings report: 2026-10-29

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Questions

What grade does KB Financial Group Inc. (105560.KS) have?

In our weekly check, KB Financial Group Inc. is graded D (A to F). Of 25 checks on debt, profit, cash flow and trend: 13 pass, warnings: 1, red flags: 11. The grade is a risk check, not a buy or sell recommendation.

What are the main risks of 105560.KS stock?

This week's biggest flags for KB Financial Group Inc.: Margins falling, Gross margin falling, Profits not backed by cash. In total 12 of 25 checks show a warning or a red flag.

What does KB Financial Group Inc. do?

KB Financial Group Inc. is a Financial Services company (Banks - Regional) based in South Korea, listed on KSC as 105560.KS.

When does KB Financial Group Inc. report earnings next?

The next earnings report is expected on 2026-10-29. We re-run the checks every week, so the grade can change after it.

The grade is a risk check, not a price forecast, and not investment advice. In our 10-year test (S&P 500, 2016-2026), stocks we graded A or B fell more than 30% 2-3 times less often than D or F, without a lower average return.

Updated 2026-10-24

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