$122.08−1.02 (−0.83%)
At close: Oct 1, 2026, 4:00 PM ET
KB Financial Group Inc · Financials
Is this a real, growing, cash-generative business, or a story propped up by accounting?
Business engineChoppy: revenue fell 2.0% in FY25, net margin 131.6%.
The lines that matter · FY21–FY25
Revenue ($B)▼2.0%
13.9
FY21→FY25CAGR +28.3%/yr
Net income ($B)▲7.0%
18.3
FY21→FY25CAGR +49.2%/yr
What the income statement says · FY21–FY25
Where every revenue dollar goes · FY25 ($B)
132¢ of every revenue dollar becomes profit.
Margin trend · direction beats level Net
Net margin 131.6% is more than double the sector median. This filer reports no gross profit or operating income line, so those margins are not drawn.
The receipt · income statement · FY21–FY25 USD billions except per-share & ratios · hover a line for its definition
On the latest annual statement the reported earnings per share does not reconcile with net income to common shareholders divided by the reported share count (a factor of 0.000196), so the two figures are on different bases. Both are shown as filed.
| Line item | FY25 | FY24 | FY23 | FY22 | FY21 | YoY | CAGR 21→25 |
|---|---|---|---|---|---|---|---|
| Revenue & profitability | |||||||
Revenue | 13.9 | 14.2 | 17.9 | 0.0 | 5.1 | ▼2.0% | +28.3% |
Pretax income | 19.9 | 18.4 | 24.4 | 4.3 | 5.2 | ▲8.1% | +39.7% |
Income tax | 1.6 | 1.3 | 1.2 | 1.2 | — | ▲22.5% | +10.8% |
Net incomePiotroski ROA ✓feeds Buffett Quality owner earnings | 18.3 | 17.1 | 23.2 | 3.1 | 3.7 | ▲7.0% | +49.2% |
| Per share | |||||||
Diluted shares (mn) | — | 373.60 | 378.66 | 389.63 | 389.63 | — | — |
| Margins | |||||||
Net margin99th pct in Financial Services | 131.6% | 120.5% | 129.4% | — | 71.9% | ▲11.1pp | — |
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These lines feed the tenet checklists: see which gates passTenets →Margins & returns continue as sector-ranked ratiosStatistics →
Annual report filed 2026-04-28 · view filings on SEC EDGAR ↗ · reported currency USD · as-filed figures may be later restated.
Statements normalized in our fundamentals DB · Not investment advice.
Statements normalized in our fundamentals DB · Not investment advice.
Annual and quarterly statements as filed, normalized into one comparable shape · Not investment advice.