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Korea's largest banking group, spanning retail/corporate banking, credit cards, securities and insurance.
Korea's largest banking group, spanning retail/corporate banking, credit cards, securities and insurance.
Earns mostly from the gap between loan and deposit rates at Kookmin Bank, with fees from cards, securities and insurance. No single owner controls it, and foreign investors hold a majority of the shares. The group was built by acquisition, including KB Insurance (formerly LIG Insurance) in 2015 and Prudential's Korean life arm in 2020.
In one line: Korea's Bank of America-style largest universal bank holding company..
Moat: narrow (scale, deposits, regulatory licence). Korea's largest bank by assets/deposits, with a nationwide branch network protected by banking-licence barriers.
Headquarters: Seoul, South Korea · Founded: 2008 · Employees: 144
Size KBFinancialGroup (105560.KS) is a South Korea Financials company (Regional Banks) with a market value of $37.5B, the 8th largest of 495 South Korea companies the cockpit tracks. Shares closed at ₩151,000 on 6 Nov 2026.
Performance Over six months the shares fell 5.2%, against +8.9% for the median peer and -24.5% for the South Korea market (cap-weighted) — 3rd lowest of 21 in its peer set.
Growth Revenue grew 31.6% over the last twelve months (peer median +1.3%); the operating margin is 14.6% (peer median 33.7%).
Valuation It trades at 0.99× book value against a peer median of 1.29× (7th cheapest of 21).
Next results Next results expected around 9 Feb 2027 (exchange calendar; dates can move).
| TTM | FY2025 | FY2024 | FY2023 | FY2022 | |
|---|---|---|---|---|---|
| Revenue | ₩65.7T | ₩51.4T | ₩49.4T | ₩47.9T | ₩36.3T |
| Revenue growth | — | +4% | +3% | +32% | — |
| Net income | ₩6.37T | ₩5.63T | ₩4.88T | ₩4.41T | ₩4.03T |
| Free cash flow | n/a | ₩12.0T | ₩8.73T | ₩13.3T | ₩5.35T |
| Capital expenditure | n/a | ₩555B | ₩627B | ₩681B | ₩497B |
| Total debt | n/a | ₩156T | ₩150T | ₩144T | ₩145T |
The default views of Competitor Analysis ▸ Charts, drawn from the same data. Open them in the cockpit to change the axes, pin companies and read every value.
| Company | Market cap | 6M return | Revenue growth | ROE | Price / book | Implied ROE |
|---|---|---|---|---|---|---|
| KBFinancialGroup 105560.KS | $37.5B | -5% | +32% | 10% | 0.99× | 5.6% |
| ShinhanGroup 055550.KS | $29.2B | -13% | +32% | 9% | 0.78× | 5.2% |
| Hanafinancialgr 086790.KS | $22.5B | -7% | +39% | 10% | 0.79× | 5.3% |
| WooriFinancialGroup 316140.KS | $17.0B | -5% | +37% | 10% | 0.71× | 4.8% |
Peer set: Industry: the same industry and sector in any market, nearest in size. This is the same default set the interactive Competitor Analysis opens with.
| Measure | 105560.KS | Peer median | Rank in peer set |
|---|---|---|---|
| 1-month return | -10.4% | +1.4% | 4th lowest of 21 |
| 6-month return | -5.2% | +8.9% | 3rd lowest of 21 |
| Return on equity | 10.5% | 10.7% | 10th lowest of 21 |
| Price / book | 0.99× | 1.29× | 7th cheapest of 21 |
| ROE the price implies | 5.6% | 9.1% | 5th least demanding of 21 |
| Company | Market | Market cap | 6M return | Revenue growth | ROE | Price / book | Implied ROE | Delivered ROE |
|---|---|---|---|---|---|---|---|---|
| KBFinancialGroup 105560.KS | South Korea | $37.5B | -5% | +32% | 10% | 0.99× | 5.6% | n/a |
| Banca Monte dei Paschi di Siena BMPS.MI | Italy | $38.4B | +19% | +55% | 16% | 1.30× | 13.9% | 15.5% |
| Bank of Jiangsu 600919.SS | China | $35.1B | +13% | +5% | 13% | 0.83× | 2.9% | 12.8% |
| Bank of Ningbo 002142.SZ | China | $34.0B | +3% | +3% | 13% | 0.92× | 7.0% | 13.3% |
| Ctbc Financial 2891.TW | Taiwan | $43.7B | +37% | +9% | 15% | 2.06× | 8.9% | 14.7% |
| M&T Bank MTB | United States | $31.4B | +3% | 0% | 11% | 1.24× | 9.3% | 10.6% |
| Resona 8308.T | Japan | $30.8B | +9% | +17% | 9% | 1.57× | 8.7% | 9.3% |
| Commerzbank CBK.DE | Germany | $46.3B | +4% | -3% | 10% | 1.36× | 10.3% | 10.3% |
| Fifth Third Bancorp FITB | United States | $47.9B | +8% | +15% | 9% | 1.55× | 13.6% | 9.4% |
| Shanghai Pudong Development Bank 600000.SS | China | $50.1B | +8% | -3% | 6% | 0.40× | 2.0% | 6.1% |
| Credit Agricole ACA.PA | France | $53.7B | -8% | -1% | 9% | 0.68× | 8.1% | 8.9% |
| First Citizens BancShares FCNCA | United States | $25.2B | +16% | 0% | 11% | 1.29× | 9.3% | 11.0% |
| Grupo Cibest S.A. Unsponsored ADR Pfd CIB | United States | $24.7B | +42% | +7% | 19% | 1.97× | 14.4% | 18.9% |
| Nu Holdings Ltd. Class A NU | United States | $58.1B | -13% | +54% | 32% | 4.39× | 32.4% | 31.6% |
| Truist Financial TFC | United States | $59.2B | +1% | -5% | 8% | 1.06× | 9.6% | 8.2% |
| Mediobanca - Banca di Credito Finanziario MB.MI | Italy | $23.7B | +26% | +4% | 11% | 1.82× | 18.7% | 10.8% |
| Industrial Bank 601166.SS | China | $62.6B | +10% | -4% | 9% | 0.49× | 2.2% | 9.2% |
| Japan Post Bank 7182.T | Japan | $65.5B | +7% | +39% | 7% | 1.11× | 8.3% | 6.6% |
| Hua Nan Financial 2880.TW | Taiwan | $20.8B | +50% | -37% | 14% | 2.85× | 7.9% | 14.1% |
| Erste Bank Polska EBP.WA | Poland | $20.4B | +35% | -9% | 16% | 2.42× | 26.7% | 15.6% |
| Postal Savings Bank of China 601658.SS | China | $69.7B | +9% | -2% | 9% | 0.62× | 2.7% | 8.7% |