InsiderClue
Stocks · Financials · Commercial Banks, NEC

KB Financial Group Inc.

KB Clue Score58
Korea, Republic of Fiscal year ends December CIK 0001445930
$121.98 -0.89% Close, 12 Oct 2026
Alert on the numbers Alert on insider trades
Price $121.98 +168.21% Close, 12 Oct 2026

Closing prices at the end of each trading day, from 13 Oct 2016. Not a live quote. Adjusted for share splits, so the line has no step at a split; dividends are not added back.

Revenue and profit

What the business sells, and what is left of it. Point at a year for the detail.
RevenueOperating incomeNet income
Fiscal year 2016Revenue7,444.94Operating income1,676.95Net income2,143.74EPS, diluted5,559.00Fiscal year 2017Revenue10,192.18 +36.9%Operating income4,015.27Net income3,311.44 +54.5%EPS, diluted8,257.00 +48.5%Fiscal year 2018Revenue10,859.69 +6.5%Operating income4,267.48Net income3,061.19 −7.6%EPS, diluted7,676.00 −7.0%Fiscal year 2019Revenue11,431.85 +5.3%Operating income4,489.86Net income3,311.26 +8.2%EPS, diluted8,387.00 +9.3%Fiscal year 2020Revenue12,492.64 +9.3%Operating income4,634.33Net income3,468.45 +4.7%EPS, diluted8,730.00 +4.1%Fiscal year 2021Revenue14,483.60 +15.9%Operating income6,097.62Net income4,409.54 +27.1%EPS, diluted10,890.00 +24.7%Fiscal year 2022Revenue13,780.60 −4.9%Operating income5,234.39Net income4,112.49 −6.7%EPS, diluted9,998.00 −8.2%Fiscal year 2023Revenue16,229.13 +17.8%Operating income6,385.02Net income4,594.83 +11.7%EPS, diluted11,218.00 +12.2%Fiscal year 2024Operating income8,045.26Net income5,078.22 +10.5%EPS, diluted12,726.00 +13.4%
FY2016FY2017FY2018FY2019FY2020FY2021FY2022FY2023FY2024
Revenue 7,444.94 10,192.18 10,859.69 11,431.85 12,492.64 14,483.60 13,780.60 16,229.13 n/a
Growth +36.9% +6.5% +5.3% +9.3% +15.9% −4.9% +17.8%
Operating income 1,676.95 4,015.27 4,267.48 4,489.86 4,634.33 6,097.62 5,234.39 6,385.02 8,045.26
Net income 2,143.74 3,311.44 3,061.19 3,311.26 3,468.45 4,409.54 4,112.49 4,594.83 5,078.22
Growth +54.5% −7.6% +8.2% +4.7% +27.1% −6.7% +11.7% +10.5%
EPS, diluted 5,559.00 8,257.00 7,676.00 8,387.00 8,730.00 10,890.00 9,998.00 11,218.00 12,726.00
Growth +48.5% −7.0% +9.3% +4.1% +24.7% −8.2% +12.2% +13.4%

Margins

How much of each dollar of revenue it keeps. Point at a year for the detail.
Operating marginNet margin
Fiscal year 2016Operating margin22.5%Net margin28.8%Free cash flow margin9.8%Fiscal year 2017Operating margin39.4%Net margin32.5%Free cash flow margin−50.4%Fiscal year 2018Operating margin39.3%Net margin28.2%Free cash flow margin−86.6%Fiscal year 2019Operating margin39.3%Net margin29.0%Free cash flow margin76.9%Fiscal year 2020Operating margin37.1%Net margin27.8%Free cash flow margin−70.7%Fiscal year 2021Operating margin42.1%Net margin30.4%Free cash flow margin−16.0%Fiscal year 2022Operating margin38.0%Net margin29.8%Free cash flow margin32.4%Fiscal year 2023Operating margin39.3%Net margin28.3%Free cash flow margin23.2%Fiscal year 2024
FY2016FY2017FY2018FY2019FY2020FY2021FY2022FY2023FY2024
Operating margin 22.5% 39.4% 39.3% 39.3% 37.1% 42.1% 38.0% 39.3% n/a
Net margin 28.8% 32.5% 28.2% 29.0% 27.8% 30.4% 29.8% 28.3% n/a
Free cash flow margin 9.8% −50.4% −86.6% 76.9% −70.7% −16.0% 32.4% 23.2% n/a

Cash flow

The cash the business makes, what it reinvests, and what it hands back. Point at a year for the detail.
Operating cash flowCapital expenditureFree cash flow
Fiscal year 2016Operating cash flow1,124.99Capital expenditure−397.16Free cash flow727.83Buybacks−716.81Dividends paid−378.63Fiscal year 2017Operating cash flow−4,836.03Capital expenditure−298.37Free cash flow−5,134.39 −805.4%Buybacks−185.53Dividends paid−497.97Fiscal year 2018Operating cash flow−8,957.62Capital expenditure−452.27Free cash flow−9,409.89Buybacks−224.70Dividends paid−766.73Fiscal year 2019Operating cash flow9,400.71Capital expenditure−608.74Free cash flow8,791.97Buybacks−274.32Dividends paid−766.25Fiscal year 2020Operating cash flow−8,410.97Capital expenditure−424.86Free cash flow−8,835.83 −200.5%Buybacks0.00Dividends paid−883.95Fiscal year 2021Operating cash flow−2,025.39Capital expenditure−286.61Free cash flow−2,312.00Buybacks0.00Dividends paid−1,053.42Fiscal year 2022Operating cash flow4,760.49Capital expenditure−296.94Free cash flow4,463.56Buybacks0.00Dividends paid−1,564.15Fiscal year 2023Operating cash flow4,108.82Capital expenditure−350.14Free cash flow3,758.68 −15.8%Buybacks−571.75Dividends paid−1,336.82Fiscal year 2024Operating cash flow4,020.19Capital expenditure−337.18Free cash flow3,683.01 −2.0%Buybacks−820.00Dividends paid−1,686.78
FY2016FY2017FY2018FY2019FY2020FY2021FY2022FY2023FY2024
Operating cash flow 1,124.99 −4,836.03 −8,957.62 9,400.71 −8,410.97 −2,025.39 4,760.49 4,108.82 4,020.19
Capital expenditure −397.16 −298.37 −452.27 −608.74 −424.86 −286.61 −296.94 −350.14 −337.18
Free cash flow 727.83 −5,134.39 −9,409.89 8,791.97 −8,835.83 −2,312.00 4,463.56 3,758.68 3,683.01
Growth −805.4% −200.5% −15.8% −2.0%
Buybacks −716.81 −185.53 −224.70 −274.32 0.00 0.00 0.00 −571.75 −820.00
Dividends paid −378.63 −497.97 −766.73 −766.25 −883.95 −1,053.42 −1,564.15 −1,336.82 −1,686.78

Balance sheet

What it holds against what it owes, at each year end. Point at a year for the detail.
CashTotal debt
Fiscal year 2016Cash7,414.84Shareholders’ equity30,998.04Fiscal year 2017Cash8,404.90Shareholders’ equity34,038.69Fiscal year 2018Cash6,642.82Shareholders’ equity35,703.92Fiscal year 2019Cash14,490.51Shareholders’ equity38,533.92Fiscal year 2020Cash20,091.74Total debt10,566.60Net cash (debt)9,525.13Shareholders’ equity42,544.57Debt to equity0.25Fiscal year 2021Cash26,033.16Total debt9,945.13Net cash (debt)16,088.03Shareholders’ equity47,460.58Debt to equity0.21Fiscal year 2022Cash26,534.80Total debt9,830.17Net cash (debt)16,704.63Shareholders’ equity52,827.70Debt to equity0.19Fiscal year 2023Cash25,826.59Total debt10,301.12Net cash (debt)15,525.47Shareholders’ equity56,692.68Debt to equity0.18Fiscal year 2024Cash24,608.87Total debt11,468.93Net cash (debt)13,139.94Shareholders’ equity57,888.95Debt to equity0.20
FY2016FY2017FY2018FY2019FY2020FY2021FY2022FY2023FY2024
Cash 7,414.84 8,404.90 6,642.82 14,490.51 20,091.74 26,033.16 26,534.80 25,826.59 24,608.87
Total debt n/a n/a n/a n/a 10,566.60 9,945.13 9,830.17 10,301.12 11,468.93
Net cash (debt) n/a n/a n/a n/a 9,525.13 16,088.03 16,704.63 15,525.47 13,139.94
Shareholders’ equity 30,998.04 34,038.69 35,703.92 38,533.92 42,544.57 47,460.58 52,827.70 56,692.68 57,888.95
Debt to equity n/a n/a n/a n/a 0.25 0.21 0.19 0.18 0.20

In billions of KRW, except per-share figures and ratios. Fiscal years, as last filed with the SEC.

Financial statements FY2024 · 10-K

Income statement

In billions of KRW, except per-share figures; shares in millions. Fiscal years ending December, each column as last filed with the SEC.
Click a line to chart it
Fiscal year FY2016 31 Dec 2016 FY2017 31 Dec 2017 FY2018 31 Dec 2018 FY2019 31 Dec 2019 FY2020 31 Dec 2020 FY2021 31 Dec 2021 FY2022 31 Dec 2022 FY2023 31 Dec 2023 FY2024 31 Dec 2024
Revenue and profit
7,444.94 10,192.18 10,859.69 11,431.85 12,492.64 14,483.60 13,780.60 16,229.13 n/a
Growth +36.9% +6.5% +5.3% +9.3% +15.9% −4.9% +17.8%
5,228.71 5,628.66 n/a n/a n/a 7,200.85 6,643.65 6,647.41 6,938.62
1,676.95 4,015.27 4,267.48 4,489.86 4,634.33 6,097.62 5,234.39 6,385.02 8,045.26
Growth +139.4% +6.3% +5.2% +3.2% +31.6% −14.2% +22.0% +26.0%
2,628.66 4,138.42 4,301.53 4,533.20 4,779.97 6,081.61 5,394.96 6,120.15 6,985.25
438.48 794.96 1,239.59 1,220.57 1,264.39 1,697.23 1,504.06 1,593.82 1,956.64
2,143.74 3,311.44 3,061.19 3,311.26 3,468.45 4,409.54 4,112.49 4,594.83 5,078.22
Growth +54.5% −7.6% +8.2% +4.7% +27.1% −6.7% +11.7% +10.5%
Per share
5,588.00 8,305.00 7,721.00 8,449.00 8,843.00 11,134.00 10,230.00 11,483.00 12,880.00
5,559.00 8,257.00 7,676.00 8,387.00 8,730.00 10,890.00 9,998.00 11,218.00 12,726.00
Growth +48.5% −7.0% +9.3% +4.1% +24.7% −8.2% +12.2% +13.4%
383.6 398.7 396.5 391.1 389.6 389.6 389.6 384.0 378.8
385.6 401.0 398.8 394.0 394.8 398.6 398.9 393.3 383.4
Growth +4.0% −0.6% −1.2% +0.2% +1.0% +0.1% −1.4% −2.5%

Shown in KRW as filed; the screener converts to dollars.

Five years in brief

Worked out from the figures above, not from a press release
  • Revenue grew 8.4% a year over five years, and earnings per share grew 8.7% a year.
  • The diluted share count fell 2.7% in five years, so buybacks did some of the work per share.
  • Operating margin is flat at 39.3%.
  • Profitable in every one of the 9 years on file.