KBFG (ADR)
Combines Korean retail banking with securities, cards, insurance, and Southeast Asian banking operations.
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Profile
Combines KB Kookmin Bank with securities, cards, insurance, asset management, and consumer finance. Centered on South Korea, the group also operates banking platforms in Indonesia and Cambodia, while regulated-subsidiary oversight and retail-product controls shape execution.
Organizes a diversified financial group around KB Kookmin Bank, with securities, credit cards, life and non-life insurance, asset management, and consumer finance alongside the core banking franchise. Operations are centered on South Korea, with selected banking platforms in Indonesia and Cambodia.
Built its non-bank portfolio through acquisitions of insurance and securities businesses, while the retail-banking lineage reaches back to Kookmin Bank and Housing & Commercial Bank. The current holding company was formed in 2008 and manages regulated financial subsidiaries.
Depends on disciplined oversight across those subsidiaries. Past customer-data, governance, and complex-product sales incidents prompted remediation, regulatory intervention, and stronger board-level internal-control supervision. Banking remains the historical anchor even as the group spans multiple financial-service lines.
Company facts
Categories
Key statistics
Year to date +44.0% · Average volume (30d) 220.2K
Analysts
No analyst consensus on record.
Earnings
EPS
Revenue
History
| Report date | EPS est | EPS | Surprise | Revenue est | Revenue | Surprise | Next session |
|---|---|---|---|---|---|---|---|
| Jul 23, 2026Q2 FY26 | $3.51 | $3.79 | +8.0% | $3.31B | $3.49B | +5.4% | −2.83% |
| Apr 23, 2026Q1 FY26 | $3.48 | $3.49 | +0.3% | $3.23B | $1.80B | −44.4% | +0.11% |
| Mar 6, 2026Q4 FY25 | $1.09 | $1.28 | +17.4% | $2.65B | $3.07B | +15.7% | +2.84% |
| Nov 14, 2025Q3 FY25 | $3.12 | $3.21 | +2.9% | $3.15B | $3.05B | −3.4% | −4.10% |
Financial highlights
| 12 quarters | Q1 FY25 | Q2 FY25 | Q3 FY25 | Q4 FY25 | Q1 FY26 | Q2 FY26 | |
|---|---|---|---|---|---|---|---|
| Revenue | $6.94B | $6.99B | $6.49B | $16.54B | $6.99B | $8.45B | |
| Gross profit | $3.40B | $3.47B | $3.41B | $7.85B | $3.84B | $5.00B | |
| Operating income | $1.68B | $1.71B | $1.65B | $1.18B | $1.92B | $1.98B | |
| Net income | $1.24B | $1.27B | $1.23B | $525.9M | $1.38B | $1.47B | |
| Diluted EPS | $3.20 | $3.33 | $3.25 | $1.37 | $3.73 | $4.18 | |
| Gross margin | 49.0% | 49.6% | 52.5% | 47.5% | 55.0% | 59.2% | |
| Operating margin | 24.2% | 24.4% | 25.4% | 7.1% | 27.4% | 23.4% |
Fiscal years (4-quarter sums)FY21 $15.42B · FY22 $17.81B · FY23 $26.88B · FY24 $27.63B · FY25 $36.96B
Revenue by geography · FY25
Balance sheet, Jun 30, 2026Cash & short-term investments $0 · Total debt $115.47B · Total assets $632.07B · Shareholders' equity $44.40B
Dividends
Last raised to $0.8114 from $0.7591 in Aug 2026. To collect a payout, hold shares through the close before the ex-date.
History
| Ex-date | Record | Paid | Amount | Note |
|---|---|---|---|---|
| Aug 6, 2026 | Aug 6 | $0.8114 | raised from $0.7591 | |
| May 7, 2026 | May 7 | May 29 | $0.7591 | cut from $1.088 |
| Feb 26, 2026 | Feb 26 | Apr 23 | $1.088 | raised from $0.6329 |
| Nov 13, 2025 | Nov 13 | Dec 4 | $0.6329 | cut from $0.657 |
| Aug 8, 2025 | Aug 8 | Aug 29 | $0.657 | cut from $0.6604 |
| May 9, 2025 | May 9 | May 30 | $0.6604 | raised from $0.5633 |
| Feb 27, 2025 | Feb 27 | Apr 24 | $0.5633 | cut from $0.5662 |
| Sep 27, 2024 | Sep 27 | Nov 19 | $0.5662 | cut from $0.5734 |
Ownership
Shares outstanding 351.11M · Float 337.21M · 96.0% free float
Top shareholders13F · 13D/G · Form 4
| Holder | Shares | % outstanding | Form | Filed |
|---|---|---|---|---|
| BlackRock, Inc. | 2.50M | 0.71% | 13F | Aug 7, 2026 |
| Dimensional Fund Advisors LP | 2.40M | 0.68% | 13F | Aug 11, 2026 |
| Lazard Asset Management LLC | 1.50M | 0.43% | 13F | Aug 14, 2026 |
| Morgan Stanley | 1.40M | 0.40% | 13F | Aug 13, 2026 |
| American Century Companies Inc | 1.16M | 0.33% | 13F | Aug 12, 2026 |
Insider tradesForm 4
Nothing filed in the last 12 months.
View detailsPeers
- Shinhan Financial Group (ADR)
Broad rival across Korean banking, cards, securities, and insurance
- Woori Financial Group (ADR)
Bank-led rival expanding across cards, securities, and insurance
CompareAfter-hours close
| Company | Price | Change | |||||
|---|---|---|---|---|---|---|---|
| KBFG (ADR) | $124.16 | 0.00% | $43.59B | 9.9 | 12.0 | 1.1 | +5.2% |
| Shinhan Financial Group (ADR) | $79.15 | +0.11% | $37.41B | 9.7 | 11.5 | 1.4 | −51.6% |
| Woori Financial Group (ADR) | $73.33 | −0.35% | $17.80B | 7.7 | 8.7 | 2.7 | +1.1% |
| Median | 8.7 | 10.1 | 2.1 | −25.3% |