KB Financial Group

KB Financial Group Inc. (KB Financial Group) is one of the largest financial holding companies in South Korea by assets. Its main unit is Kookmin Bank, one of the leading commercial banks in Korea. Other units give credit cards, securities brokerage (KB Securities), non-life and life insurance, asset management and banking abroad. At December 31, 2025, the group had consolidated total assets of KRW 798 trillion, deposits of KRW 462 trillion, total equity of KRW 61 trillion, 771 branches and about 39.0 million retail customers.

Profit attributable to shareholders of the parent company was KRW 1,907.5 billion in Q3 2026 and KRW 5,792.1 billion in the first nine months. Jong Hee Yang is Chairman and Chief Executive Officer, and his term ends on November 20, 2026. The American depositary shares (ADSs) trade on the New York Stock Exchange in US dollars, and each ADS represents one common share. The common shares trade on the Korea Exchange in Korean won.

The market prices KB Financial Group close to the AI estimate, and it must decide which level of profit is normal. Q4 2025 was weak, with profit of about KRW 711.4 billion, because the group booked KRW 744.8 billion of voluntary compensation for Hang Seng China Enterprises index-linked products and more provisions. The last three quarters were near KRW 1.9 trillion each. The group also faces a change of chairman, a competition fine on its main bank, and a won that changes the dollar value of an ADS.

The group pays a quarterly dividend of KRW 1,167 per share and is buying back KRW 700 billion of shares. For the price to hold, three things must be true. Profit must stay near the Q3 level with no new compensation charge. The capital ratio must stay well above the regulatory minimum while the group pays dividends and buys back shares.

The new chairman must keep the plan for shareholder returns. The next tests are the extraordinary general meeting on November 20, 2026, the end of the buyback on December 16, 2026 and the Q4 2026 report in February 2027.

AI estimate, checked by Kevin. How it is made

1. Nov 20, 2026Pending

   Extraordinary general meeting: new ChairmanShareholders approve Jae Keun Lee as executive director, the step to Chairman and Chief Executive Officer, and this passes; a rejection fails.
2. Dec 16, 2026Pending

   End of the KRW 700 billion share buybackThe group finishes the purchases of KRW 700 billion and cancels the shares, and this passes; a stop or a delay fails.
3. Feb 4, 2027 · est.Pending

   Q4 2026 results: profit without new chargesProfit attributable to shareholders of the parent company near the Q3 level of KRW 1,907.5 billion, with no large new compensation charge, passes; a large new charge fails.

Every passed and failed checkpoint across all picks

• October 29, 2026KB Financial Group released preliminary Q3 2026 results. Profit attributable to shareholders of the parent company was KRW 1,907.5 billion, up 13.1% from a year earlier and down 4.3% from Q2. For nine months it was KRW 5,792.1 billion, up 13.1%. Kookmin Bank earned KRW 1,350.9 billion in Q3, and KB Securities earned KRW 272.6 billion. The figures are under review by the auditors and can change.
• October 29, 2026The board declared a quarterly cash dividend of KRW 1,167 per common share, for a total of about KRW 404.9 billion. The record date is November 12, 2026, and the company expects to pay within one month.
• October 28, 2026KB Financial Group gave notice of an extraordinary general meeting on November 20, 2026. Shareholders will vote on Jae Keun Lee as executive director. He is the nominee for the next Chairman and Chief Executive Officer, and his term would run from November 21, 2026 to November 20, 2029. He has a 34-year career at the group and is now Chief Business Officer of Global, Wealth Management and Small and Medium Enterprise business.

Next earnings

Expected about February 4, 2027. The company has not confirmed the date.

• 20-FAnnual report for the period ended Dec 31, 2025Filed April 28, 2026 · Read it on sec.gov
• 20-FAnnual report for the period ended Dec 31, 2024Filed April 25, 2025 · Read it on sec.gov

Every filing on SEC EDGAR (CIK 1445930)

• Korean household debt and housing credit can hurt asset quality. The group is the largest private lender of mortgages in Korea, and its card unit lends to consumers. Higher interest rates, a weak economy or new government rules can raise delinquencies and credit costs.
• Compensation and legal costs can return. In 2025, the group booked KRW 744.8 billion for voluntary compensation on Hang Seng China Enterprises index-linked products and KRW 333.0 billion of other provisions. Kookmin Bank appeals a fine of KRW 69.7 billion, and a Russian bank sued it in Moscow for about US$109.2 million of frozen funds. The court ordered Kookmin Bank to return the principal in December 2025, and the bank appealed in January 2026.
• Lower interest rates can cut margin. The net interest margin fell to 1.95% in 2025 from 2.02% in 2024, after the Bank of Korea lowered its policy rate.
• A new Chairman and Chief Executive Officer starts after November 20, 2026. A change in plan for shareholder returns or for growth abroad and in insurance can move the price.
• The ADS price is in US dollars and the profit is in Korean won. A weaker won lowers the dollar value of profit and dividends.

KB Financial Group had consolidated total assets of KRW 797.9 trillion, total deposits of KRW 462 trillion and total equity of KRW 60.8 trillion at December 31, 2025. Equity attributable to shareholders of the parent company was KRW 59.0 trillion, including KRW 4.4 trillion of hybrid securities. Read more

The dividend data after August 8, 2025 is missing.

Latest ex-dividend date

August 8, 2025, $0.657 per share

Dividends per share by year

Source: company filings and market data, read on November 13, 2026. The ex-dividend date is the first day a buyer no longer gets the next payment.