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KB

KB Financial GroupD
NYSE / Banks
Last Price
Quote time unavailable
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Current thesis
Re‑rating driven by margin recovery, higher fee income, and multiple expansion as Korea's economic momentum improves and credit costs normalize.
Posture
Defensive
Lead driver
Value
What changed
Value remains the lead driver in the composite, 7D delta -0.0.
What can break
FX moves affecting ADR valuation
Momentum
77
Value
63
Sentiment
25
Setup hits (3d)
0 · Net Neutral
AI TargetsBase $22.00 · Bull $28.00 · Bear $15.00Analysis 2025-09-29; returns require an exact persisted reference.
Data freshness
Prices
Unavailable: Price unavailable
Fundamentals
As of 2026-08-17 • Vendor: Data Vendor v1
Scores
As of 2026-09-10 • Model: HYBRID_IC_RP
AI Memo
As of 2025-09-29 • Model: RankAlpha Sentiment AI
Investment thesis
As of 2026-09-10

Grade is the composite factor band; factor scores use a 0–100 scale. Confidence describes evidence quality, not a probability of return. Score date: 2026-09-10. Definitions

Supporting evidence
What
Grade D · Defensive
Confidence Medium · Net Neutral
Target $148.45
Why
Momentum77 · Δ7d +6.1
Value63 · Δ7d -0.0
Sentiment25 · Δ7d 0.0
So what
Weak posture (Net Neutral). Prioritize risk control and patience.

Confirming evidence

  • • Value remains the lead driver in the composite, 7D delta -0.0.

Contradictions & invalidation

  • • FX moves affecting ADR valuation
  • • Korean credit cycle weakening
  • • Persistent NPL growth, slower loan demand, or regulatory capital strain leads to multiple compression and downward earnings revisions.

Catalyst clock

No dated catalyst is available.

Regulatory / capital action

Lead driver: Value · See fundamentals
Momentum
77
9% active weight
Current posture
7d trendImproving
Δ7d
+6.1
Δ21d
+14.1
Value
63
28% active weight
Current posture
7d trendFlat
Δ7d
-0.0
Δ21d
+0.0
Sentiment
25
62% active weight
Current posture
7d trendFlat
Δ7d
0.0
Δ21d
0.0
Why this grade

Composite grade D. Momentum 76.9 / Value 62.8 / Sentiment 25.1

Scenario snapshot

Scenario probability is memo-authored likelihood, not forecast certainty. Targets belong to the analysis dated 2025-09-29. Scenario method

B+
Bull case
30%
Probability
Target price
$28.00
Analysis reference price unavailable
Analysis 2025-09-29 · RankAlpha Sentiment AI
Most likely
B
Base case
50%
Probability
Target price
$22.00
Analysis reference price unavailable
Analysis 2025-09-29 · RankAlpha Sentiment AI
B-
Bear case
20%
Probability
Target price
$15.00
Analysis reference price unavailable
Analysis 2025-09-29 · RankAlpha Sentiment AI
Fundamentals (TTM)
As of 2026-08-17
Market Cap
$40.16B
Beta
0.53
Shares Out
353.39M
P/E (TTM)
8.4
P/S (TTM)
1.14
P/FCF (TTM)
25.37
Rev YoY
+10.2%
EPS YoY
+12.5%
Gross Margin
-
Op Margin
+17.7%
Net Debt
$94.85B
Current Ratio
0.18
As of 2026-09-10 • Updated nightlySource: Internal modelMethods & Data