BeStock  

KB Financial KB

US equityMarket cap rank #356Banks - Regional
$120.30 −$2.80 (-2.27%)
Market open · Oct 1, 11:50 am ET · After hours $123.10 0.00%
Open$121.13
Prev close$123.10
Day range$119.73 – $123.50
Volume59.1K
Market cap$42.24B
P/E (TTM)9.7
Dividend yield2.44%

Fundamentals

Latest reported quarter: Q2, ended Jun 2026 · reported in KRW

Revenue₩6.11T+12.8% YoY
Net profit₩2.01T+15.0% YoY
Diluted EPS₩5,508.00+20.7% YoY
Free cash flow₩4.33T+497.0% YoY
Operating cash flow₩4.45T

Revenue, last 8 quarters

₩5.1TSep '24₩4.8TDec '24₩5.3TMar '25₩5.4TJun '25₩5.0TSep '25₩5.7TDec '25₩5.8TMar '26₩6.1TJun '26

Net profit, last 8 quarters

₩1.6TSep '24₩659.8BDec '24₩1.7TMar '25₩1.7TJun '25₩1.7TSep '25₩738.8BDec '25₩1.9TMar '26₩2.0TJun '26

Diluted EPS by quarter

4,105.00Sep '241,695.00Dec '244,384.00Mar '254,565.00Jun '254,458.00Sep '251,858.00Dec '255,120.00Mar '265,508.00Jun '26

Free cash flow by quarter

₩-3.3TSep '24₩-1.3TDec '24₩2.8TMar '25₩724.7BJun '25₩-7.1TSep '25₩7.2TDec '25₩1.5TMar '26₩4.3TJun '26

Annual revenue

₩15.1TFY20₩17.0TFY21₩16.4TFY22₩19.5TFY23₩20.1TFY24₩21.2TFY25

Profitability & balance sheet

Net margin27.3%
Return on equity10.2%
Return on assets0.7%
Liabilities / assets92.8%
Cash & investments₩44.62T
Total debt₩140.39T
Net cash (debt)-₩95.77T
Free cash flow / sales26.4%

This company reports in its own local currency, not U.S. dollars. Every figure below is labeled with its real currency, not automatically converted.

Income statement

Line item 2026 Q2
(KRW)
2026 Q1
(KRW)
2025 ANNUAL
(KRW)
2025 Q4
(KRW)
2025 Q3
(KRW)
Total Operating Revenue ₩6.11T ₩5.76T ₩21.23T ₩5.66T ₩5.04T
Net Interest Income ₩3.14T ₩3.33T ₩13.07T ₩3.37T ₩3.34T
-Interest Income ₩7.35T ₩7.16T ₩29.16T ₩7.22T ₩7.19T
-Interest Expense ₩4.21T ₩3.82T ₩16.08T ₩3.85T ₩3.86T
Non-Interest Income ₩2.96T ₩2.43T ₩8.16T ₩2.30T ₩1.70T
-Total Premiums Earned -₩1.23T -₩10.67B ₩276.65B -₩203.71B ₩43.77B
-Fees and Commissions ₩1.55T ₩1.31T ₩3.86T ₩1.39T ₩824.00B
-Dividend Income ₩41.39B ₩68.14B ₩148.95B ₩32.44B ₩36.38B
-Foreign Exchange Trading Gains ₩207.87B ₩464.67B -₩768.00M ₩259.03B ₩218.13B
-Other Non-Interest Income ₩258.47B ₩187.16B ₩856.03B ₩240.07B ₩212.80B
-Gain Loss on Sale of Assets ₩2.14T ₩403.15B ₩3.01T ₩582.24B ₩364.91B
Credit Losses Provision -₩519.75B -₩493.27B -₩2.36T -₩687.68B -₩364.49B
Non-Interest Expense ₩2.87T ₩2.54T ₩10.06T ₩2.94T ₩2.34T
Occupancy and Equipment ₩5.25B ₩4.53B ₩19.54B ₩5.21B ₩5.06B
Selling and Admin Expenses ₩1.73T ₩1.64T ₩6.33T ₩1.99T ₩1.43T
-Selling & Marketing Expense ₩54.64B ₩41.56B ₩235.10B ₩80.22B ₩60.00B
-General & Admin Expense ₩1.68T ₩1.60T ₩6.09T ₩1.91T ₩1.37T
Depreciation & Amortization & Depletion ₩384.63B ₩379.94B ₩1.58T ₩405.03B ₩392.03B
-Depreciation & Amortization ₩384.63B ₩379.94B ₩1.58T ₩405.03B ₩392.03B
Other Non-Interest Expenses ₩748.95B ₩515.64B ₩2.14T ₩532.06B ₩507.63B
Other Income (Expense) ₩19.18B -₩97.91B -₩620.83B -₩767.16B -₩74.56B
Income from Associates & Other Participating Interests ₩15.69B ₩20.22B ₩26.85B ₩11.18B ₩5.41B
Special Income (Charges) -₩1.03B -₩1.49B -₩184.82B -₩180.96B -₩999.00M
-Less:Restructuring and Mergern & Acquisition ₩1.03B ₩1.49B ₩263.00B ₩259.14B ₩999.00M
Other Non-Operating Income (Expenses) ₩4.52B -₩116.65B -₩462.86B -₩597.38B -₩78.97B
Pretax Profit ₩2.73T ₩2.63T ₩8.18T ₩1.27T ₩2.26T
Tax ₩722.25B ₩714.67B ₩2.34T ₩533.18B ₩606.21B
Net Profit ₩2.01T ₩1.92T ₩5.84T ₩738.79B ₩1.66T
Profit from Continuing Operations ₩2.01T ₩1.92T ₩5.84T ₩738.79B ₩1.66T
Minority Interests ₩18.32B ₩24.07B ₩7.55B ₩27.36B -₩30.81B
Net Income to Parent Company ₩1.99T ₩1.89T ₩5.83T ₩711.43B ₩1.69T
Other Preferred Stock Dividends ₩42.00B ₩44.81B ₩202.39B ₩48.07B ₩51.00B
Net Income to Common Stockholders ₩1.95T ₩1.85T ₩5.63T ₩663.36B ₩1.64T
Basic EPS ₩5,549.00 ₩5,165.00 ₩15,410.00 ₩1,879.00 ₩4,498.00
Diluted EPS ₩5,508.00 ₩5,120.00 ₩15,261.00 ₩1,858.00 ₩4,458.00
Dividend Per Share ₩1,130.53 ₩1,568.66 ₩3,568.11 ₩930.08 ₩913.87
-Less:Impairment of Capital Assets – – ₩223.87B – –
-Less:Other Special Charges – – -₩302.05B – –

Balance sheet

Line item 2026 Q2
(KRW)
2026 Q1
(KRW)
2025 ANNUAL
(KRW)
2025 Q4
(KRW)
2025 Q3
(KRW)
Total Assets ₩866.89T ₩829.74T ₩797.92T ₩797.92T ₩796.06T
Cash, Cash Equivalents & Federal Funds Sold ₩44.62T ₩32.54T ₩35.65T ₩35.65T ₩25.27T
-Cash and Cash Equivalents ₩44.62T ₩32.54T ₩35.65T ₩35.65T ₩25.27T
Securities Investment ₩233.96T ₩226.11T ₩223.44T ₩223.44T ₩220.32T
-Available for Sale Securities ₩136.28T ₩128.20T ₩123.53T ₩123.53T ₩124.03T
-Short Term Investments ₩97.69T ₩97.91T ₩99.92T ₩99.92T ₩96.28T
Long Term Equity Investment ₩1.04T ₩1.02T ₩1.14T ₩1.14T ₩1.13T
Derivative Assets ₩15.17T ₩14.64T ₩10.34T ₩10.34T ₩9.21T
Net Loan ₩506.90T ₩495.46T ₩493.21T ₩493.21T ₩489.06T
-Gross Loan ₩511.85T ₩500.45T ₩498.03T ₩498.03T ₩494.01T
-Allowance for Loans and Lease Losses ₩5.51T ₩5.57T ₩5.41T ₩5.41T ₩5.55T
-Unearned Income ₩565.25B ₩573.84B ₩583.57B ₩583.57B ₩597.32B
Receivables ₩447.28B ₩419.69B ₩16.62T ₩16.62T ₩367.39B
-Other Receivables ₩447.28B ₩419.69B ₩16.62T ₩16.62T ₩367.39B
Net PPE ₩5.08T ₩5.11T ₩5.13T ₩5.13T ₩5.14T
Goodwill and Other Intangible Assets ₩1.60T ₩1.59T ₩1.61T ₩1.61T ₩1.78T
Defined Pension Benefit ₩490.43B ₩371.15B ₩353.37B ₩353.37B ₩284.53B
Deferred Assets ₩183.86B ₩196.21B ₩193.03B ₩193.03B ₩195.12B
Assets Held for Sale ₩281.79B ₩280.48B ₩269.13B ₩269.13B ₩251.94B
Other Assets ₩57.12T ₩52.00T ₩9.32T ₩9.32T ₩43.06T
Total Liabilities ₩804.19T ₩768.60T ₩737.09T ₩737.09T ₩734.69T
Total Deposits ₩474.80T ₩458.40T ₩452.56T ₩452.56T ₩440.68T
Federal Funds Purchased and Securities Sold Under Agreement to Repurchase ₩14.66T ₩13.30T ₩13.43T ₩13.43T ₩14.33T
Derivative Product Liabilities ₩21.08T ₩20.04T ₩16.08T ₩16.08T ₩14.25T
Trading Liabilities ₩400.70B ₩480.27B ₩3.34T ₩3.34T ₩305.55B
Payables ₩416.94B ₩792.07B ₩32.38T ₩32.38T ₩748.20B
-Total Tax Payable ₩416.94B ₩792.07B ₩967.20B ₩967.20B ₩748.20B
Long Term Debt and Capital Lease Obligation ₩140.39T ₩133.75T ₩131.45T ₩131.45T ₩127.09T
-Long Term Debt ₩140.39T ₩133.75T ₩130.55T ₩130.55T ₩127.09T
Non-Current Liabilities ₩1.38T ₩1.35T ₩1.26T ₩1.26T ₩862.03B
Employee Benefits ₩89.93B ₩85.38B ₩100.09B ₩100.09B ₩89.43B
Non-Current Deferred Liabilities ₩2.24T ₩1.99T ₩2.49T ₩2.49T ₩1.59T
Liabilities of Discontinued Operations ₩74.68B ₩73.34B ₩68.29B ₩68.29B –
Other Liabilities ₩148.66T ₩138.34T ₩77.05T ₩77.05T ₩134.74T
Total Equity ₩62.70T ₩61.14T ₩60.83T ₩60.83T ₩61.37T
Stockholders' Equity ₩60.89T ₩59.35T ₩59.05T ₩59.05T ₩59.58T
Capital Stock ₩2.09T ₩2.09T ₩2.09T ₩2.09T ₩2.09T
-Common Stock ₩2.09T ₩2.09T ₩2.09T ₩2.09T ₩2.09T
Additional Paid-In Capital ₩9.13T ₩9.10T ₩16.63T ₩16.63T ₩16.62T
Retained Earnings ₩46.13T ₩46.39T ₩38.33T ₩38.33T ₩37.99T
Less: Treasury Stock ₩176.01B ₩1.68T ₩1.90T ₩1.90T ₩1.47T
Gains/Losses Not Affecting Retained Earnings -₩487.23B -₩496.56B -₩467.46B -₩467.46B -₩450.60B
Other Equity Interests ₩4.21T ₩3.94T ₩4.36T ₩4.36T ₩4.79T
Minority Interests ₩1.81T ₩1.79T ₩1.78T ₩1.78T ₩1.79T
-Gross PPE – – ₩10.55T ₩10.55T –
-Accumulated Depreciation – – -₩5.42T -₩5.42T –
-Goodwill – – ₩633.67B ₩633.67B –
-Other Intangible Assets – – ₩975.76B ₩975.76B –
Prepaid Assets – – ₩642.06B ₩642.06B –
-Accounts Payable – – ₩38.21B ₩38.21B –
-Dividends Payable – – ₩2.22B ₩2.22B –
-Other Payable – – ₩31.37T ₩31.37T –
Current Accrued Expenses – – ₩6.88T ₩6.88T –
-Long Term Capital Lease Obligation – – ₩901.11B ₩901.11B –

Cash flow

Line item 2026 Q2
(KRW)
2026 Q1
(KRW)
2025 ANNUAL
(KRW)
2025 Q4
(KRW)
2025 Q3
(KRW)
Operating Cash Flow ₩4.45T ₩1.55T ₩4.23T ₩7.43T -₩7.02T
Net cash flow from continuing operations ₩4.45T ₩1.55T ₩4.23T ₩7.43T -₩7.02T
Net Income from Continuing Operations ₩2.01T ₩1.92T ₩5.84T ₩738.79B ₩1.66T
Gain/Loss from Continuing Operations -₩4.77T -₩96.20B -₩1.54T -₩457.83B ₩1.21B
Depreciation & Depletion & Amortization ₩216.82B ₩215.66B ₩914.69B ₩239.51B ₩228.05B
Other Non-Cash Items -₩693.55B -₩2.17T -₩8.47T -₩2.02T -₩2.17T
Change in Working Capital ₩7.11T ₩1.16T ₩4.97T ₩8.20T -₩7.13T
-Change in Receivables -₩27.58B -₩31.10B -₩48.73B -₩21.20B -₩23.26B
-Change in Payables and Accrued Expense -₩375.14B ₩181.59B ₩79.77B -₩137.71B ₩270.82B
-Change in Loans -₩11.10T -₩857.45B -₩23.92T -₩6.57T -₩8.28T
-Change in Deferred Charges ₩243.74B ₩208.27B ₩438.25B ₩171.88B -₩85.58B
-Change in Other Current Assets -₩8.18T -₩22.58T -₩9.04T ₩12.18T -₩9.39T
-Change in Other Current Liabilities ₩8.77T ₩21.72T ₩5.48T -₩16.46T ₩6.74T
-Change in Other Working Capital ₩17.78T ₩2.52T ₩31.97T ₩19.04T ₩3.63T
Net cash flow from investing -₩3.02T -₩1.33T -₩5.54T -₩4.23T -₩1.12T
Net Cash Flow from Continuing Investing Activities -₩3.02T -₩1.33T -₩5.54T -₩4.23T -₩1.12T
Net PPE Purchase and Sale -₩11.32B -₩43.37B -₩241.51B -₩84.48B -₩13.33B
Net Intangibles Purchase and Sale -₩64.99B -₩37.45B -₩209.83B -₩102.62B -₩40.57B
Net Business Purchase and Sale -₩100.13B -₩89.98B -₩264.87B -₩1.43T ₩69.31B
Net Investment Purchase and Sale -₩2.64T -₩1.14T -₩5.67T -₩2.91T -₩1.18T
Net Other Investing Changes -₩13.45B -₩15.68B ₩356.86B ₩380.29B ₩42.67B
Financing Cash Flow ₩7.69T -₩3.36T ₩5.80T ₩4.89T -₩946.06B
Net Cash Flow from Continuing Financing Activities ₩7.69T -₩3.36T ₩5.80T ₩4.89T -₩946.06B
Net Issuance Payments of Debt ₩6.85T -₩1.55T ₩7.24T ₩4.53T ₩1.07T
Net Common Stock Issuance -₩307.24B -₩497.06B -₩1.48T -₩435.15B -₩224.85B
Net Other Financing Activities ₩2.12T -₩1.31T ₩1.34T ₩1.12T -₩1.46T
Ending Cash Balance ₩35.50T ₩26.23T ₩29.02T ₩29.02T ₩20.89T
Net Change in Cash ₩9.12T -₩3.15T ₩4.49T ₩8.08T -₩9.09T
Beginning Cash Balance ₩26.23T ₩29.02T ₩24.61T ₩20.89T ₩29.87T
Effect of Exchange Rate Changes ₩158.77B ₩354.56B -₩74.71B ₩58.04B ₩105.47B
Free Cash Flow ₩4.33T ₩1.46T ₩3.67T ₩7.21T -₩7.09T
Cash Dividends Paid – – -₩1.30T -₩335.02B -₩334.65B

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