KB Financial Group Inc

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KB : NYSE : Financial
$31.58 -0.09 | -0.28%
Today's Range: 31.51 - 31.72
Avg. Daily Volume: 117,300
07/29/16 - 10:11 AM ET

Financial Analysis


KB FINANCIAL GROUP's gross profit margin for the first quarter of its fiscal year 2016 has increased when compared to the same period a year ago. Sales and net income have dropped, underperforming the average competitor within its industry.

At the same time, stockholders' equity ("net worth") has remained virtually unchanged only increasing by 1.34% from the same quarter last year.

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Income Statement Q1 FY16 Q1 FY15
Net Sales ($mil)3119.083450.91
EBITDA ($mil)1523.21533.74
EBIT ($mil)1471.141479.5
Net Income ($mil)478.55546.14


Balance Sheet Q1 FY16 Q1 FY15
Cash & Equiv. ($mil)16515.7513399.15
Total Assets ($mil)294989.38285053.1
Total Debt ($mil)39676.0337540.07
Equity ($mil)25368.9425032.84


Profitability Q1 FY16 Q1 FY15
Gross Profit Margin69.6264.2
EBITDA Margin48.8344.44
Operating Margin47.1742.87
Sales Turnover0.040.05
Return on Assets0.460.52
Return on Equity5.455.96
Debt Q1 FY16 Q1 FY15
Current Ratio0.00.0
Debt/Capital0.610.6
Interest Expense0.00.0
Interest Coverage0.00.0


Share Data Q1 FY16 Q1 FY15
Shares outstanding (mil)382.26386.35
Div / share0.00.0
EPS1.241.41
Book value / share66.3764.79
Institutional Own % n/a n/a
Avg Daily Volume116986.0156631.0

Valuation


HOLD. This stock's P/E ratio indicates a discount compared to an average of 11.99 for the Commercial Banks industry and a significant discount compared to the S&P 500 average of 25.05. Conducting a second comparison, its price-to-book ratio of 0.46 indicates a significant discount versus the S&P 500 average of 2.81 and a discount versus the industry average of 1.07. The price-to-sales ratio is well below both the S&P 500 average and the industry average, indicating a discount. Upon assessment of these and other key valuation criteria, KB FINANCIAL GROUP proves to trade at a discount to investment alternatives within the industry.


Price/Earnings
1 2 3 4 5
premium   discount
  Price/Cash Flow
1 2 3 4 5
premium   discount
KB 8.47 Peers 11.99   KB 3.21 Peers 4.80

Discount. A lower P/E ratio than its peers can signify a less expensive stock or lower growth expectations.

KB is trading at a significant discount to its peers.

 

Discount. The P/CF ratio, a stock’s price divided by the company's cash flow from operations, is useful for comparing companies with different capital requirements or financing structures.

KB is trading at a significant discount to its peers.

 
Price/Projected
Earnings
1 2 3 4 5
premium   discount
  Price to
Earnings/Growth
1 2 3 4 5
premium   discount
KB 8.28 Peers 12.08   KB NM Peers 2.92

Discount. A lower price-to-projected earnings ratio than its peers can signify a less expensive stock or lower future growth expectations.

KB is trading at a significant discount to its peers.

 

Neutral. The PEG ratio is the stock’s P/E divided by the consensus estimate of long-term earnings growth. Faster growth can justify higher price multiples.

KB's negative PEG ratio makes this valuation measure meaningless.

 
Price/Book
1 2 3 4 5
premium   discount
  Earnings Growth
1 2 3 4 5
lower   higher
KB 0.46 Peers 1.07   KB -7.28 Peers 0.00

Discount. A lower price-to-book ratio makes a stock more attractive to investors seeking stocks with lower market values per dollar of equity on the balance sheet.

KB is trading at a significant discount to its peers.

 

Lower. Elevated earnings growth rates can lead to capital appreciation and justify higher price-to-earnings ratios.

However, KB is expected to significantly trail its peers on the basis of its earnings growth rate.

 
Price/Sales
1 2 3 4 5
premium   discount
  Sales Growth
1 2 3 4 5
premium   discount
KB 0.94 Peers 2.36   KB -10.42 Peers -0.10

Discount. In the absence of P/E and P/B multiples, the price-to-sales ratio can display the value investors are placing on each dollar of sales.

KB is trading at a significant discount to its industry on this measurement.

 

Lower. A sales growth rate that trails the industry implies that a company is losing market share.

KB significantly trails its peers on the basis of sales growth

 

 

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