KB Financial Group Inc
Find Ratings Reports
-0.92 |
-2.60%
KB FINANCIAL GROUP's gross profit margin for the second quarter of its fiscal year 2016 has increased when compared to the same period a year ago. Even though sales decreased, the net income has increased, representing an increase to the bottom line.
At the same time, stockholders' equity ("net worth") has remained virtually unchanged only increasing by 1.49% from the same quarter last year.
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| Income Statement | Q2 FY16 | Q2 FY15 |
|---|---|---|
| Net Sales ($mil) | 3079.47 | 3302.15 |
| EBITDA ($mil) | 1507.32 | 1236.29 |
| EBIT ($mil) | 1453.28 | 1181.98 |
| Net Income ($mil) | 496.51 | 292.18 |
| Balance Sheet | Q2 FY16 | Q2 FY15 |
|---|---|---|
| Cash & Equiv. ($mil) | 13640.68 | 16014.38 |
| Total Assets ($mil) | 297360.06 | 284006.53 |
| Total Debt ($mil) | 41381.57 | 39108.2 |
| Equity ($mil) | 25423.32 | 25049.42 |
| Profitability | Q2 FY16 | Q2 FY15 |
|---|---|---|
| Gross Profit Margin | 69.05 | 65.01 |
| EBITDA Margin | 48.94 | 37.43 |
| Operating Margin | 47.19 | 35.79 |
| Sales Turnover | 0.04 | 0.05 |
| Return on Assets | 0.53 | 0.48 |
| Return on Equity | 6.22 | 5.5 |
| Debt | Q2 FY16 | Q2 FY15 |
|---|---|---|
| Current Ratio | 0.0 | 0.0 |
| Debt/Capital | 0.62 | 0.61 |
| Interest Expense | 0.0 | 0.0 |
| Interest Coverage | 0.0 | 0.0 |
| Share Data | Q2 FY16 | Q2 FY15 |
|---|---|---|
| Shares outstanding (mil) | 377.15 | 386.35 |
| Div / share | 0.0 | 0.0 |
| EPS | 1.31 | 0.75 |
| Book value / share | 67.41 | 64.84 |
| Institutional Own % | n/a | n/a |
| Avg Daily Volume | 114406.0 | 129415.0 |
BUY. This stock's P/E ratio indicates a discount compared to an average of 13.21 for the Commercial Banks industry and a significant discount compared to the S&P 500 average of 25.19. Conducting a second comparison, its price-to-book ratio of 0.52 indicates a significant discount versus the S&P 500 average of 2.82 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 |
|
Price/Cash Flow |
| |||||||||||||||||||||
|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|
| KB 8.48 | Peers 13.21 | KB 3.40 | Peers 9.17 | |||||||||||||||||||||
|
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. |
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| Price/Projected Earnings |
|
Price to Earnings/Growth |
|
|||||||||||||||||||||
| KB 9.55 | Peers 12.44 | KB NM | Peers 4.15 | |||||||||||||||||||||
|
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 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. |
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| Price/Book |
|
Earnings Growth |
|
|||||||||||||||||||||
| KB 0.52 | Peers 1.07 | KB 15.77 | Peers -8.47 | |||||||||||||||||||||
|
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. |
Higher. Elevated earnings growth rates can lead to capital appreciation and justify higher price-to-earnings ratios. KB is expected to have an earnings growth rate that significantly exceeds its peers. |
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| Price/Sales |
|
Sales Growth |
|
|||||||||||||||||||||
| KB 1.09 | Peers 2.29 | KB -7.24 | Peers 1.69 | |||||||||||||||||||||
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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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