Analyst Consensus ?
ConsensusHold6 ratings
Bullish233.3%
Neutral466.7%
Bearish00.0%
KB Financial Group Inc. · KB · FY2025 Q4 · Calendar Q1 2026
KB Financial’s earnings strength meets questions on margins and capital returns
Profit growth, expanding noninterest income and shareholder distributions point to resilient earnings. The outlook still depends on managing net interest margin, credit and regulatory provisions, and rising operating costs.
Reported Before market openNYSEFinancial Services
$39.83B market cap
90quality score
Earnings scorecard
Reported versus consensus
Reported EPS
$1.28
Consensus $1.09
EPS surprise
+17.4%
Reported versus consensus
Reported revenue
$3.07B
Consensus $2.65B
Revenue surprise
+15.7%
Reported versus consensus
Market reaction
prior-close to event-session close
Stock move
-2.6%
Event window
SPY move
-1.3%
Same window
Abnormal move
-1.3%
Stock minus SPY
Volume
1.2×
Versus trailing sessions
Subsequent drift
+0.2%
Up to 20 sessions
KBSPY benchmark
Ask FN2 about KB FY2025 Q4
Transcript, numbers and history already loaded
Why did KB fall 2.6% after beating EPS estimates in FY2025 Q4?What changed in KB's guidance and outlook in FY2025 Q4?Give me the bull and bear case for KB after FY2025 Q4 earnings.
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Transcript intelligence
What changed
Management described stronger noninterest income and increased shareholder distributions, alongside continued investment in capital-market and nonbank fee businesses. Its stated priorities include lending to AI-semiconductor projects and productive-finance SMEs; the main tension is growth against margin and cost pressures.
Guidance delta
Management’s guidance sentiment was maintained. It outlined an ROE target above 11%, low-to-mid-single-digit NIM management, and continued share buybacks with a flexible dividend policy.
Key takeaways
- Reported 2025 net profit rose 15% year over year to KRW 5.8 trillion, with noninterest income up 16%.
- The dividend payout rose 32% year over year; the total shareholder-return ratio was 52.4%.
- Management said capital-market fees and nonbank subsidiaries account for roughly 70% of fee income.
Management priorities
- Expand capital-market-related fee income and strengthen nonbank businesses.
- Increase financing for AI-semiconductor projects and innovative SMEs; target 6–7% year-over-year corporate-loan growth.
- Continue planned share buybacks and maintain a flexible dividend policy while targeting ROE above 11%.
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Firm-level rating actions
FMP grade actions identify the grading firm, not a named analyst.
| Firm | Rating | Prior rating | Action | Date |
|---|---|---|---|---|
| Bank of America | Neutral | Buy | Downgrade | Aug 30, 2018 |
| B of A Securities | Neutral | Buy | Downgrade | Aug 30, 2018 |
| Citigroup | Buy | Neutral | Upgrade | Jul 21, 2016 |
| Nomura | Buy | Neutral | Upgrade | Jul 24, 2015 |
| JP Morgan | Neutral | Overweight | Downgrade | Jun 10, 2014 |
| UBS | Neutral | Buy | Downgrade | Dec 19, 2012 |
Track every rating change on KB the moment it posts. Free to start.
Start freeCompany context
Snapshot as of publicationKB Financial Group Inc. is a prominent financial conglomerate offering a diverse array of banking and associated financial services to both individual consumers and corporate entities, both domestically in South Korea and across international markets. The company's operations are strategically organized into distinct divisions: Corporate Banking, Retail Banking, Other Banking Services, Securities Business, Non-life Insurance Business, Credit Card Business, and Life Insurance Business. It supplies various lending products, deposit accounts, and related financial instruments to a broad client base, including large corporations, small and medium-sized enterprises, home offices, and private households.…
Historical context
All KB earningsFinancial Services peers this season
Latest reports in the same sector| Company | Quarter | EPS surprise | Market move | Headline |
|---|---|---|---|---|
| CBOE Cboe Global Markets, Inc. | FY2026 Q3 · Calendar Q4 2026 | +5.8% | +6.8% | Cboe posts strong Q3 as options growth and new products advance |
| NWG NatWest Group plc | FY2026 Q3 · Calendar Q4 2026 | +2.0% | -9.0% | NatWest maintains guidance as Q3 growth and capital remain strong |
| ERIE Erie Indemnity Company | FY2026 Q3 · Calendar Q4 2026 | +2.1% | +5.3% | Erie pairs resilient demand initiatives with thin underwriting margins |
| COIN Coinbase Global, Inc. | FY2026 Q3 · Calendar Q4 2026 | +1189.2% | -10.6% | Coinbase offsets lower spot trading with prediction markets and AI agents |
| TPG TPG Inc. | FY2026 Q3 · Calendar Q4 2026 | +4.3% | +7.5% | TPG raises FRE margin outlook as capital formation accelerates |
| AJG Arthur J. Gallagher & Co. | FY2026 Q3 · Calendar Q4 2026 | +0.3% | +2.9% | AJG: Q3 growth and AssuredPartners synergies support outlook |
Latest beats and misses
Who reports nextBeat on EPS
- CHDFY2026 Q3 · October 30, 2026+2.2% EPS+1.2% move
- AZNFY2026 Q3 · October 30, 2026+7.3% EPS+7.0% move
- FRTFY2026 Q3 · October 30, 2026+3.9% EPS-1.1% move
- CVXFY2026 Q3 · October 30, 2026+8.4% EPS+1.8% move
- BTSGFY2026 Q3 · October 30, 2026+14.2% EPS+11.1% move
- EXCFY2026 Q3 · October 30, 2026+10.4% EPS+0.5% move
Missed on EPS
- GLPIFY2026 Q3 · October 29, 2026-11.5% EPS-1.3% move
- LYBFY2026 Q3 · October 30, 2026-1.2% EPS+5.0% move
- CCJFY2026 Q3 · October 30, 2026-101.4% EPS-7.9% move
- VALEFY2026 Q3 · October 29, 2026-24.6% EPS+1.9% move
- DLR-PLFY2026 Q3 · October 29, 2026-8.4% EPS— move
- DLR-PKFY2026 Q3 · October 29, 2026-8.4% EPS— move
Get the KB recap when the next report posts
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Sources
- Earnings call transcript and parsed analysis · 2026-05-11T10:29:34.698584+00:00
- FN2 earnings calendar · 2026-07-26T00:37:12.209961+00:00
- Polygon adjusted daily market bars · 2026-11-02T10:10:44.431036+00:00
Methodology
Reported and consensus figures come from FN2's earnings event records. Market reaction and volume are calculated from daily adjusted bars around the event; abnormal move subtracts the SPY move over the same window.
Transcript intelligence is a structured synthesis of the current and prior earnings-call analyses. Missing values stay missing and are never estimated.
By FN2 Research · Updated · As of 2026-11-02. For educational purposes only; not investment advice.