KB Financial Group Inc. fell 3.32% to ₩172,000 on September 4 while the KOSPI rose, leaving its ₩61 trillion market cap almost exactly level with ₩62.7tn of reported equity.
KB Financial Group's ADR represents one common share, an unusually clean ratio that lets a US holder compare the NYSE price to the Korean close without arithmetic.
KB Financial Group reports total equity of 62.7tn won, but 4.2tn of that is hybrid capital and 1.8tn belongs to minority holders in subsidiaries.
KB Financial Group posted its largest-ever quarterly profit in Q2 2026, with first-half net income attributable to shareholders of 3.88tn won, up 13.1% year on year.
KB Financial Group Inc. (105560) unit KB Securities opened direct government bond trading through retirement pension accounts Friday, Yonhap reported.
Samsung Securities Co., Ltd. (016360) will end unsettled stock purchases for accounts held by minors from Friday.
KB Financial Group Inc. (105560) will hold its renamed Golden Life Championship from September 10 through 13, Yonhap reported Friday.
KB Financial Group (105560) will issue ₩400bn of perpetual write-down contingent capital securities carrying a 4.85% coupon, with subscription and payment both falling on 31 August, the company said in an amended filing on Tuesday.
| Period | 105560 | KOSPI | Difference |
|---|---|---|---|
| 1 week | +0.2% | -1.5% | +1.7% |
| 1 month | +1.9% | +5.2% | -3.3% |
| 3 months | +4.8% | -22.6% | +27.3% |
| 6 months | +24.9% | +31.3% | -6.4% |
| Year to date | +37.9% | +58.7% | -20.8% |
| 1 year | +58.5% | +108.9% | -50.4% |
Closed at 82% of the way from its 52-week low (₩106,700) to its 52-week high (₩186,200).
| Grade | Now | 3M | 6M |
|---|---|---|---|
| Valuation 1.04x common equity of 56.7tn won (0.94x on reported total equity); ~7.8x annualised H1 EPS of 10,670 won | C+ | — | — |
| Profitability ROE 14.09% in H1 2026; parent net income 3.88tn won, record quarterly profit of 1.99tn in Q2 | A- | — | — |
| Financial Health CET1 13.74%, up from 13.64%; equity 62.7tn won on assets of 866.9tn; credit provisions down 22.7% YoY | B+ | — | — |
| Growth H1 net income +13.1% YoY but net interest income only +1.7%, and -5.7% quarter on quarter | B- | — | — |
| Capital Return FY2025 payout 47.7% of parent profit: 1.48tn won buybacks vs 1.30tn dividends; 700bn cancellation resolved July 2026 | A- | — | — |
The board resolved on 23 July to spend 700bn won buying its own shares on the open market and then destroy every one of them. At the previous day's close of 175,100 won that works out to an estimated 3,997,715 shares, about 1.1% of the 354,687,734 shares issued, and roughly 1.2% of market capitalisation. Purchases run from 24 July to 16 December through Samsung Securities, and the final share count will differ from the estimate because it depends on the price paid. Two details matter. The filing states the acquired shares will be cancelled in full — not held in treasury, where Korean companies have historically parked repurchases and later reissued them. And because the cancellation is made under the proviso to Article 343(1) of the Commercial Act, out of distributable profit, the number of issued shares falls while paid-in capital does not. KB has said it will direct capital above a 13.5% CET1 ratio to shareholder returns; the ratio stood at 13.74% at the end of June, which is what funds this.
KB's board declared its regular quarterly cash dividend at 1,155 won per common share, with a record date of 7 August 2026. The 405.5bn won total is calculated on 351,106,111 shares, and the filing warns that the aggregate will change because the buyback resolved the same day keeps retiring shares up to the record date. The per-share amount is fixed; the total is an estimate. The 0.7% figure in the filing is a Korean disclosure convention — the dividend divided by the average close over the week before the resolution, for this quarter alone. It is not an annual yield. Annualising the 1,155 won rate against the 166,600 won close gives roughly 2.77% before tax. For a US holder of the NYSE ADR, Korea withholds on that at a treaty-capped 15%, leaving about 2.36%. The buyback declared alongside it carries no such withholding.
KB Financial Group is Korea's largest financial holding company by assets. Its core subsidiary, KB Kookmin Bank, is the country's biggest commercial bank by deposits and the dominant household mortgage lender; the group also owns KB Securities, KB Insurance (non-life), KB Kookmin Card, and KB Life. The bulk of group earnings comes from banking, with the rest split across cards, securities brokerage and insurance underwriting. For a US investor, the closest mental model is a scaled-down Bank of America with a captive credit-card issuer and an insurance arm attached: a deposit-funded universal bank whose fortunes track Korean household credit, the Bank of Korea's policy rate, and the property market that secures most of its loan book. It is not an investment bank, and it has almost no earnings outside Korea. The holding company was created in 2008 to sit above Kookmin Bank, which itself dates to 1963 as a state-run lender for ordinary savers. KB trades in New York as an ADR under the ticker KB, alongside its Korean listing.
| Sector | Banks | Employees | |
| Market | KOSPI | Founded | 2008 |
| Korean name | KB금융지주 | Head office | Seoul, South Korea |
| Symbol | Last Price |
|---|---|
| 055550Shinhan Financial Group Co., Ltd. | ₩110,300 -3.7% |
| 086790Hana Financial Group Inc. | ₩134,300 -3.7% |
| 316140Woori Financial Group Inc. | ₩33,200 -4.2% |
| 138040Meritz Financial Group Inc. | ₩135,500 -1.0% |
| 024110Industrial Bank of Korea | ₩20,700 -2.1% |
| 323410KakaoBank Corp. | ₩21,950 +0.7% |
| 279570Kbank | ₩5,600 +0.5% |