Stock fact sheet · data as of
KB Financial Group Inc. (KB): fair value, margin of safety and Wheel Score
Ticker symbol KB · Financial Services · Banks - Regional · South Korea · ADR · Blend Income
KB is an American depositary share (ADR): the US listing of KB Financial Group Inc., whose own shares trade on its home exchange. It trades in dollars during US hours; currency moves and the home country's rules also affect it, and the depositary bank charges a small yearly fee.
Is KB undervalued?
At 114.98 (close of 5 Nov 2026), KB trades 52% below the GLS average fair value of 238.31. That average comes from 7 models run on the latest filings, and 5 of them land above the current price. Margins of safety over 30% are the exception rather than the rule across the ~7,400 stocks we value each night, so the number earns KB Financial Group Inc. the full Value points in the Wheel Score - and a closer look at what the market is pricing in.
There is a wide gap between DDM (98.41) and DCF (572.41). When the models are this far apart the "fair value" is really a range, and the margin of safety above should be read with that range in mind.
Ranked against every other company we cover, neither cheapness nor growth clearly wins for KB, so the nightly engine files it under Blend (value score 80, growth score 70, out of 100). It also carries the Income tag (Income = a dividend yield of 4% or more).
Nine valuation models for KB
Each model turns the latest filed numbers into a value per share; the GLS fair value is the simple average of the ones that produce a positive number. The last two rows are shown for reference and never enter the average. The Quote page lets you switch any model off and add your own margin of safety.
| Model | Value | vs price | What it measures |
|---|---|---|---|
| DCF | 572.41 | +398% | Present value of the projected free cash flows, discounted at the cost of capital |
| Graham Number | 198.02 | +72% | The most a defensive investor pays for the earnings and book value per share |
| Graham Growth | 318.35 | +177% | Graham's growth formula: EPS × (8.5 + 2 × growth), adjusted for bond yields |
| Lynch | 105.60 | -8% | EPS × the earnings growth rate (PEG of 1), growth capped at 25% |
| GLS Growth | 225.88 | +96% | EPS compounded ten years at the blended growth rate, discounted back at 15% a year |
| 10 Cap | - | - | Owner's earnings (operating cash flow less maintenance capex) capitalised at 10%; no value tonight |
| Payback Time | - | - | Eight years of compounded free cash flow: the price at which the business pays for itself; no value tonight |
| DDM | 98.41 | -14% | Dividend discount model: next year's dividend ÷ (10% − 3% growth); needs a dividend |
| EPV | 149.53 | +30% | Earnings power value: current EPS capitalised at 9% with no growth |
| Zombie (liquidation) | 129.49 | +13% | Current assets less all liabilities, per share: the balance-sheet floor. Not in the average |
| Wall St target | 0.0000 | -100% | Analysts' average 12-month price target. Not in the average |
Quality and financial health
KB Financial Group Inc. scores only 4 of 9 on the Piotroski F-score, which fails the "Piotroski 6 or more" Wheel Trade Filter. A reading this low means several of the basic tests - positive earnings, positive operating cash flow, falling debt, no new share issuance - are not met. On durability KB scores 5.4/10 on the GLS Moat - a middle reading; the Moat Score tab on the Quote page's Financials view shows which of the four parts hold it back.
Returns on capital are moderate - ROIC 9.5%, ROE 9.5%, ROA 0.0% - with debt at 0.00 times equity and negative free cash flow.
The dividend yield is high at 5.82% (payout ratio 27%). A yield this size is often the market's way of pricing a risk to the payout, so the health score and cash flow matter more than usual.
Institutional ownership scores 1/10, insider activity 5/10 and Congressional trading 5/10 on the GLS smart-money scales.
| Piotroski F-score | 4 / 9 | ROIC | 9.5% |
|---|---|---|---|
| GLS Moat | 5.4 / 10 | ROE | 9.5% |
| Debt / equity | 0.00 | ROA | 0.0% |
| Free-cash-flow yield | -26.6% | Payout ratio | 27% |
| Institutions | 1 / 10 | Insiders · Congress | 5 · 5 / 10 |
Wheel Score 49: Weak
With a Wheel Score of 49 KB Financial Group Inc. sits in the Weak band. It fails filter 1, options that actually trade - options too quiet (652 open interest, 247 a day); and filter 4, financially healthy - Piotroski 4/9 (under 6); Option trading (weak) is its weakest part.
Implied volatility is 40% on the near-the-money contracts 20-60 days out - inside the 35-60% sweet spot the Wheel Score rewards most: enough premium to be worth selling, not so much that the risk is unpaid. Chain open interest is thin - 652 contracts across every expiry - so fills at a fair price are not guaranteed; a 30-45-day put may not exist at a usable strike.
Volume runs at 240k shares a day on a market cap of $40.6B, with a beta of 0.67 - a low beta, so day-to-day moves are smaller than the market's; the Stability part of the Wheel Score rates that strong.
| Filter | Wheel Trade Filter | Result | Detail |
|---|---|---|---|
| 1 | Options that actually trade | Fails | options too quiet (652 open interest, 247 a day) |
| 2 | A real business, not a gamble | Passes | Profitable over the last twelve months - not a speculative stock, fund or note |
| 3 | Below fair value | Passes | Trading below the nine-model average fair value (margin of safety above 0) |
| 4 | Financially healthy | Fails | Piotroski 4/9 (under 6) |
| 5 | Can repay its debt | Passes | Long-term debt repaid from 3 years of operating cash flow or less (6 for real estate and utilities; banks and insurers are not judged on it) |
| 6 | No serious red flags | Passes | Red Flags score 60 or more out of 100 (earnings, margins, debt, analysts, filings and price checked the same way for every stock) |
| 7 | A premium worth selling | Passes | Implied volatility 25-80% (enough premium, not a lottery ticket) |
| 8 | Big enough | Passes | Market cap $1 billion or more |
| 9 | Not a penny stock | Passes | Share price $5 or more |
| How it ranks | Rating | From | |
|---|---|---|---|
| Value | Strong | 52% below fair value | |
| Premium | Strong | implied volatility 40% | |
| Moat | Fair | moat 5.4/10 | |
| Health | Fair | Piotroski 4/9 | |
| Red Flags | Good | Red Flags score 82/100 | |
| Option trading | Weak | 247 contracts a day, 652 open interest | |
| Stability | Strong | beta 0.67, $40.6B company |
The Wheel Score ranks ~7,400 US stocks for selling cash-secured puts and covered calls: a stock must pass all 9 Wheel Trade Filters to score 70, and the score then ranks the ones that pass; the Sunday Scan is the top 10. It is updated nightly and is not a recommendation. How the Wheel Score works · the walkthrough lesson shows how it fits into a trade, start to finish.
Upcoming events
No upcoming earnings date is recorded for KB in the nightly calendar.
Earnings, dividend, IPO, split and economic calendars for the whole market, filterable to your watchlists.
Similar stocks in Banks - Regional
The 12 companies below are the closest to KB Financial Group Inc. by market cap within the Banks - Regional industry, each with its own fact sheet; the Compare page puts up to eight of them side by side.
| Stock | Close | Fair value | MoS | Wheel | Mkt cap |
|---|---|---|---|---|---|
| BSBR Banco Santander (Brasil) S.A. | 4.76 | 8.85 | +46% | 37Weak | $35.6B |
| HBANL Huntington Bancshares Incorporated | 24.69 | 21.93 | -13% | 23No options | $34.1B |
| NWG NatWest Group plc | 16.55 | 70.41 | +76% | 50Fair | $33.5B |
| FITB Fifth Third Bancorp | 54.72 | 69.09 | +21% | 80Good | $49.6B |
| HBANZ Huntington Bancshares Incorporated | 18.20 | 15.90 | -14% | 15No options | $32.8B |
| HBANM Huntington Bancshares Incorporated | 18.95 | 19.20 | +1% | 23No options | $32.5B |
| MTB M&T Bank Corporation | 224.64 | 367.14 | +39% | 75Good | $32.4B |
| HBAN Huntington Bancshares Incorporated | 16.06 | 17.83 | +10% | 41Weak | $32.4B |
| HBANP Huntington Bancshares Incorporated | 15.02 | 17.34 | +13% | 28No options | $31.9B |
| SHG Shinhan Financial Group Co., Ltd. | 65.06 | 212.28 | +69% | 52Fair | $30.1B |
| NU Nu Holdings Ltd. | 11.99 | 22.62 | +47% | 53Fair | $57.9B |
| BBD Banco Bradesco S.A. | 2.57 | 17.92 | +86% | 59Fair | $28.3B |
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Start free See the Sunday ScanQuestions about KB
Is KB undervalued right now?
By the GLS models, yes: at 114.98 the stock is 52% below the average fair value of 238.31 (data as of 5 Nov 2026). Whether the discount is deserved is the question to research next.
What is the Wheel Score of KB and what does it mean?
KB scores 49 out of 100 (Weak) - it fails Wheel Trade Filters 1, 4. The Wheel Score ranks stocks for the wheel strategy - selling cash-secured puts, then covered calls if assigned - in two parts: the 9 pass/fail Wheel Trade Filters (busy options, a real business, below fair value, Piotroski 6 or more, debt it can repay, a Red Flags score of 60 or more, implied volatility of 25-80%, a $1 billion company, $5 a share) and a ranking of how strongly a stock passes on value, premium, moat, health, red flags, option trading and stability. A stock that fails any filter stays under 70; 70-84 is Good, 85 and above is Prime. The Sunday Scan is the top 10 that pass, sorted by Wheel Score.
What is the GLS fair value for KB?
238.31 per share as of 5 Nov 2026 - the simple average of the 7 valuation models (out of nine: DCF, Graham Number, Graham Growth, Lynch, GLS Growth, 10 Cap, Payback Time, DDM and EPV) that produced a positive value. The models run every night on the latest filings; the Quote page lets you switch any of them off and add a margin of safety of your own.
When does KB Financial Group Inc. report earnings next?
No upcoming earnings date is recorded for KB in our calendar as of 5 Nov 2026; the Calendars page is refreshed every morning.
Does KB have listed options, and how liquid are they?
Yes. The nightly snapshot found 72 listed contracts with 652 open interest across all expiries and implied volatility of 40% on the near-the-money contracts. The Options scanner lists the cash-secured put and covered call set-ups with premium and annualised yield worked out.
Is KB an ADR?
Yes. KB is an American depositary share (ADR): the US listing of KB Financial Group Inc., whose own shares trade on its home exchange. It trades in dollars during US hours; currency moves and the home country's rules also affect it, and the depositary bank charges a small yearly fee.