Choose a model
Each card values KB Financial Group a different way, shown at our starting inputs. Pick one to see and change how it works.
Set your assumptions
KB Financial Group on book value: book value per share (equity) grows with retained profit and is priced at a normal price-to-book. For banks and insurers.
Years to project
Growth of book value per share
Book value per share; starts at its own recent growth
Exit P/B
Starts at its own median P/B over five years
Your desired return
Margin of safety
More
Your buy price
The expected return is measured from it; starts at today's price
How it's worked out
Today's book value per share
Last twelve months
₩171,818.47
Book value in 2031
Grows 8.4% a year for 5 years
₩257,167.60
Price in 2031
₩257,167.60 × 0.8 P/B
₩205,734.08
Worth today
÷ 1.10^5: your 10% a year, taken back out
₩127,744.68
Plus dividends
₩4.21 paid over 5 years, discounted the same way
+ ₩3.14
Fair value
The most you can pay and still earn 10% a year
₩127,747.82
Buy below
Fair value minus your 25% margin of safety
₩95,810.87
Paying ₩150,484.56 instead gives 6.5% a year. Every rule is on the methodology page.
Outcome
What your assumptions give, and the path from today's price.
Fair value
₩127,747.82
Expected return
6.5% a year
Future price, 2031
₩205,734.08
Buy below
₩95,810.87
Price 18% above fair valuePrice ₩150,484.56, at your 10% return
Projection
Solid blue: the price at each year end. Dashed blue: from today's price to the 2031 price. Green: from the fair value, rising at your 10% a year to the same end point; buy at or below it and you earn at least that. Every rule is on the methodology page. A model, not a forecast or advice.
KB Financial Group Inc. ADR (KB) intrinsic value and fair value
The calculator grows one of KB Financial Group Inc. ADR's per-share figures (earnings, free cash flow, revenue, book value or dividends) for a few years, puts an exit multiple on it, and discounts the result back at the yearly return you want. The answers below use its starting inputs for KB; this is analysis, not investment advice.
Frequently asked
What is KB Financial Group Inc. ADR's (KB) intrinsic value?+
With Intrinsiqq's starting inputs, KB Financial Group Inc. ADR's fair value is about ₩127,747.82 a share, based on its book value per share. That assumes book value per share of ₩171,818.47 grows about 8.4% a year for 5 years, the stock then trades at 0.8 times book value, and you want a 10.0% yearly return. On its other figures: earnings ₩209,107.96, free cash flow ₩138,784.33, revenue ₩138,783.37. Every input can be changed on the page; the result is a model, not a forecast.
Is KB Financial Group Inc. ADR overvalued?+
At ₩150,484.56, the price is 18% above that fair value of ₩127,747.82, and buying at today's price would return about 6.5% a year if those inputs hold. Whether that is cheap or dear depends on whether you believe the growth and the exit multiple, which is what the calculator lets you test. This is analysis from company filings, not investment advice.
What growth does the KB Financial Group Inc. ADR valuation assume?+
Book value per share grows about 8.4% a year to start, its own recent growth per share (three years for a company not yet profitable, five otherwise). The exit multiple starts at its own median over five years.
What is a good margin of safety for KB Financial Group Inc. ADR?+
A margin of safety is the cushion you want below the fair value before buying, in case the inputs are wrong. The calculator uses 25%, which puts the buy-below price at ₩95,810.87. Less predictable businesses deserve a wider cushion, or a higher desired return.
Peers
Banks - Regional · Pick stocks to compare with KB
Held by ETFs
KB is in 31 US ETFs. The largest of them, with KB's weight in each:
Vanguard FTSE All-World ex-US Index Fund ETF SharesVEU0.03%of the fund
Avantis Emerging Markets Equity ETFAVEM0.38%of the fund
Dimensional Emerging Core Equity Market ETFDFAE0.09%of the fund
First Trust WCM International Equity ETFWCMI2.33%of the fund
Spot a number that looks wrong?
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Data sourced from company filings and third-party price providers. Scores, valuations, and metrics are algorithmic estimates. This is not investment advice. See our Terms and Methodology.
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