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KB Financial Group Inc (KB) financials

For fiscal 2025 (ended Dec 31, 2025), KB Financial Group Inc reported ₩17.17T of revenue and ₩5.83T of net income. Figures are in KRW, the currency of its SEC filings.

Revenue, FY2025
₩17.17T
Revenue growth, YoY
+3.0%
Net income, FY2025
₩5.83T
Net income growth, YoY
+14.9%
Net margin
34.0%
Free cash flow, FY2025
₩3.89T
EPS, diluted, FY2025
₩15261.00
EPS growth, YoY
+19.9%
Cash
₩29.02T
Total debt
₩11.29T
Annual revenue₩17.17T
FY2016FY2025
Annual net income₩5.83T
FY2016FY2025
Annual free cash flow₩3.89T
FY2016FY2025

KB revenue and earnings growth

KB revenueFY2025₩17.17T

FY YoY
+3.0%
5Y CAGR
+6.2%
10Y CAGR
+8.3%

KB revenue was ₩17.17T for fiscal 2025 (ended Dec 31, 2025), up 3.0% from fiscal 2024. Compound annual growth was +6.2% over 5 years and +8.3% over 10 years. It rose in each of the last 10 fiscal years. Fiscal 2025 is the highest of the 15 fiscal years on file.

KB net incomeFY2025₩5.83T

FY YoY
+14.9%
5Y CAGR
+11.0%
10Y CAGR
+13.1%

KB net income was ₩5.83T for fiscal 2025 (ended Dec 31, 2025), up 14.9% from fiscal 2024. Compound annual growth was +11.0% over 5 years and +13.1% over 10 years. It rose in 8 of the last 10 fiscal years. Fiscal 2025 is the highest of the 15 fiscal years on file.

KB EPSFY2025₩15261.00

FY YoY
+19.9%
5Y CAGR
+11.8%
10Y CAGR
+13.3%

KB diluted EPS was ₩15261.00 for fiscal 2025 (ended Dec 31, 2025), up 19.9% from fiscal 2024. Compound annual growth was +11.8% over 5 years and +13.3% over 10 years.

KB free cash flowFY2025₩3.89T

FY YoY
+5.7%
10Y CAGR
+7.1%

KB free cash flow was ₩3.89T for fiscal 2025 (ended Dec 31, 2025), up 5.7% from fiscal 2024. Compound annual growth was +7.1% over 10 years. It rose in 1 of the last 3 fiscal years.

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Income statement

Income statement
Line item
FY2025
Dec 31, 2025
FY2024
Dec 31, 2024
FY2023
Dec 31, 2023
FY2022
Dec 31, 2022
FY2021
Dec 31, 2021
FY2020
Dec 31, 2020
FY2019
Dec 31, 2019
FY2018
Dec 31, 2018
FY2017
Dec 31, 2017
FY2016
Dec 31, 2016
Revenue₩17.17T₩16.68T₩16.23T₩15.07T₩14.86T₩12.68T₩11.55T₩11.15T₩10.30T₩8.30T
Selling, general and admin₩7.06T₩6.94T₩6.65T₩6.64T₩7.20T₩6.81T₩6.27T₩5.92T₩5.63T₩5.23T
Operating income₩8.52T₩8.05T₩6.39T₩5.23T₩6.10T₩4.63T₩4.49T₩4.27T₩4.02T₩1.68T
Interest expense₩16.08T₩17.66T₩16.96T₩9.24T₩3.98T₩4.76T₩5.44T₩4.83T₩3.67T₩3.62T
Pre-tax income₩8.18T₩6.99T₩6.12T₩5.39T₩6.08T₩4.78T₩4.53T₩4.30T₩4.14T₩2.63T
Income tax₩2.34T₩1.96T₩1.59T₩1.50T₩1.70T₩1.26T₩1.22T₩1.24T₩794.96B₩438.48B
Net income₩5.83T₩5.08T₩4.59T₩4.11T₩4.41T₩3.47T₩3.31T₩3.06T₩3.31T₩2.14T
EPS, basic₩15410.00₩12880.00₩11483.00₩10230.00₩11134.00₩8843.00₩8449.00₩7721.00₩8305.00₩5588.00
EPS, diluted₩15261.00₩12726.00₩11218.00₩9998.00₩10890.00₩8730.00₩8387.00₩7676.00₩8257.00₩5559.00
Diluted shares369.0M383.4M393.3M398.9M398.6M394.8M394.0M398.8M401.0M385.6M

Balance sheet

Balance sheet
Line item
FY2025
Dec 31, 2025
FY2024
Dec 31, 2024
FY2023
Dec 31, 2023
FY2022
Dec 31, 2022
FY2021
Dec 31, 2021
FY2020
Dec 31, 2020
FY2019
Dec 31, 2019
FY2018
Dec 31, 2018
FY2017
Dec 31, 2017
FY2016
Dec 31, 2016
Cash and equivalents₩29.02T₩24.61T₩25.83T₩26.53T₩26.03T₩20.09T₩14.49T₩6.64T₩8.40T₩7.41T
Goodwill₩633.66B₩874.05B₩866.97B₩845.15B₩806.41B₩763.58B₩275.74B₩275.22B₩273.45B₩262.39B
Total assets₩797.92T₩757.85T₩715.73T₩715.73T₩663.90T₩610.72T₩518.54T₩479.59T₩436.79T₩375.67T
Long-term debt₩11.29T₩11.47T₩10.30T₩9.83T₩9.95T₩10.57T----
Total debt₩11.29T₩11.47T₩10.30T₩9.83T₩9.95T₩10.57T₩37.82T₩19.97T₩16.85T₩14.49T
Total liabilities₩737.09T₩698.03T₩657.09T₩657.09T₩615.60T₩567.32T₩479.42T₩443.88T₩402.74T₩344.41T
Shareholders' equity₩59.05T₩57.89T₩58.64T₩53.80T₩49.37T₩43.40T₩39.15T₩35.71T₩34.04T₩31.26T

Cash flow

Cash flow
Line item
FY2025
Dec 31, 2025
FY2024
Dec 31, 2024
FY2023
Dec 31, 2023
FY2022
Dec 31, 2022
FY2021
Dec 31, 2021
FY2020
Dec 31, 2020
FY2019
Dec 31, 2019
FY2018
Dec 31, 2018
FY2017
Dec 31, 2017
FY2016
Dec 31, 2016
Operating cash flow₩4.23T₩4.02T₩4.11T₩4.76T-₩2.03T-₩8.41T₩9.40T-₩8.96T-₩4.84T₩1.12T
Capital expenditures₩333.44B₩337.18B₩350.14B₩296.94B₩286.61B₩424.86B₩608.74B₩452.27B₩298.37B₩397.16B
Free cash flow₩3.89T₩3.68T₩3.76T₩4.46T-₩2.31T-₩8.84T₩8.79T-₩9.41T-₩5.13T₩727.83B
Investing cash flow-₩5.54T-₩3.83T-₩3.52T-₩19.64T-₩3.86T-₩10.99T-₩12.33T-₩4.48T-₩8.73T-₩4.44T
Financing cash flow₩5.80T-₩1.98T-₩1.24T₩15.18T₩10.82T₩25.26T₩2.28T₩11.74T₩14.69T₩3.18T
Dividends paid₩1.50T₩1.69T₩1.34T₩1.56T₩1.05T₩883.95B₩766.25B₩766.73B₩497.97B₩378.63B
Share repurchases₩1.48T₩820.00B₩571.75B₩0₩0₩0₩274.32B₩224.70B₩185.53B₩716.81B
Stock-based compensation₩153.88B₩140.45B₩69.70B₩58.27B₩101.94B₩49.36B₩49.42B₩10.93B₩73.37B₩38.19B
Depreciation and amortization₩914.69B₩916.29B₩865.93B₩878.84B₩850.61B₩874.91B₩784.43B₩409.48B₩371.15B₩289.44B

Key ratios

Key ratios
Line item
FY2025
Dec 31, 2025
FY2024
Dec 31, 2024
FY2023
Dec 31, 2023
FY2022
Dec 31, 2022
FY2021
Dec 31, 2021
FY2020
Dec 31, 2020
FY2019
Dec 31, 2019
FY2018
Dec 31, 2018
FY2017
Dec 31, 2017
FY2016
Dec 31, 2016
Revenue growth, YoY3.0%2.8%7.7%1.4%17.1%9.8%3.6%8.3%24.0%7.3%
Net income growth, YoY14.9%10.5%11.7%-6.7%27.1%4.7%8.2%-7.6%54.5%26.2%
EPS growth, YoY19.9%13.4%12.2%-8.2%24.7%4.1%9.3%-7.0%48.5%27.0%
Operating margin49.6%48.2%39.3%34.7%41.0%36.5%38.9%38.3%39.0%20.2%
Net margin34.0%30.5%28.3%27.3%29.7%27.4%28.7%27.5%32.2%25.8%
Free cash flow margin22.7%22.1%23.2%29.6%-15.6%-69.7%76.1%-84.4%-49.9%8.8%
Return on equity9.9%8.8%7.8%7.6%8.9%8.0%8.5%8.6%9.7%6.9%
Return on assets0.7%0.7%0.6%0.6%0.7%0.6%0.6%0.6%0.8%0.6%
Debt to equity0.190.200.180.180.200.240.970.560.490.46

Source: XBRL data KB Financial Group Inc files with the SEC, latest filing dated Apr 28, 2026 (see filings on SEC EDGAR). Provided for information only, not investment advice. Check the filing before relying on a number.

Per-share figures are as filed. The filings show no stock split in these periods.

EPS growth is left out where the share count moved enough to suggest a split the filings do not show. Growth rates need a positive starting figure. CAGR is compound annual growth between fiscal years. The CSV holds every period on file, in full figures, from the same SEC filings.

Foreign private issuers file annual reports with the SEC, so there are no quarterly statements here.

KB peers

CompanyRevenueGrowthNet incomeNet marginMarket cap
KB₩17.17T+3.0%₩5.83T34.0%$40.43B
RYC$66.61B+16.1%C$20.36B30.6%$282.66B
MUFG¥11.87T+9.5%¥1.73T14.6%$257.53B
TDC$67.78B+18.4%C$20.54B30.3%$202.90B
SAN€55.32B-1.5%€14.10B25.5%$180.35B
SMFG¥4.35T+13.6%¥1.14T26.1%$154.95B
BBVA--€10.51B-$149.88B
HDB₹2.50T+5.2%₹704.79B28.2%$132.41B

KB FAQ

8 questions
  • What is KB revenue?
    KB Financial Group Inc (KB) reported ₩17.17T of revenue for fiscal 2025 (ended Dec 31, 2025). That is up 3.0% from the year before.
  • Is KB profitable?
    Yes. KB Financial Group Inc earned ₩5.83T in net income for fiscal 2025 (ended Dec 31, 2025), a net margin of 34.0%.
  • How much cash and debt does KB have?
    KB Financial Group Inc reported ₩29.02T in cash and cash equivalents and ₩11.29T of debt on its most recent balance sheet in SEC filings.
  • How fast is KB revenue growing?
    KB Financial Group Inc's revenue changed +3.0% in fiscal 2025, to ₩17.17T. Its compound annual growth rate was +6.2% over 5 years and +8.3% over 10 years.
  • What is KB free cash flow?
    KB Financial Group Inc generated ₩3.89T of free cash flow for fiscal 2025 (ended Dec 31, 2025), which is operating cash flow of ₩4.23T less capital expenditures.
  • What is KB earnings per share?
    Diluted earnings per share were ₩15261.00 for fiscal 2025 (ended Dec 31, 2025), from SEC filings, restated for any stock split those filings show.
  • When did KB last report financial results?
    The latest statements here come from KB Financial Group Inc's 20-F filed on Apr 28, 2026, covering the period ended Dec 31, 2025.
  • Where does this KB financial data come from?
    Quantisnow builds these statements from the structured XBRL data KB Financial Group Inc files with the SEC. It is provided for information only and is not investment advice.