KB Financial Group Inc. (KB) Earnings
KB Financial Group Inc. is expected to report next earnings on August 13, 2026 (in NaN days), with a consensus EPS estimate of $3.22. KB has beaten EPS estimates in 4 of its last 12 reported quarters (average surprise +50.8% over the last four).
| Report date | EPS est | EPS actual | Surprise | Revenue | Rev. surprise |
|---|---|---|---|---|---|
| Apr 23, 2026 | $3.48 | $3.49 | +0.3% | $1.8B | -44.4% |
| Mar 6, 2026 | $1.09 | $1.28 | +17.4% | $15.7B | +397.3% |
| Nov 14, 2025 | $1.12 | $3.21 | +186.6% | $6.3B | +132.7% |
| Aug 14, 2025 | $3.19 | $3.16 | -0.9% | $7.0B | +115.1% |
| Apr 24, 2025 | $3.04 | $3.02 | -0.7% | $6.5B | +114.1% |
| Mar 5, 2025 | $1.47 | $1.21 | -17.7% | $6.1B | +100.1% |
| Nov 14, 2024 | $2.64 | $3.02 | +14.4% | $7.1B | +129.0% |
| Aug 14, 2024 | $2.78 | $3.21 | +15.5% | $6.9B | +118.1% |
| May 16, 2024 | $1.99 | $1.94 | -2.5% | $7.1B | +138.2% |
| Mar 6, 2024 | $0.72 | $0.48 | -33.3% | $7.7B | +180.8% |
| Nov 14, 2023 | $2.82 | $2.57 | -8.9% | $6.5B | +118.1% |
| Jul 25, 2023 | $2.96 | $2.81 | -5.1% | $6.7B | +113.8% |
Source: company filings + earnings calendar. For informational purposes only — not investment advice.
Earnings call summary
Q1 FY2026 · April 23, 2026
AI summary of management’s prepared remarks and analyst Q&A. For informational purposes only — not investment advice.
Management highlights
Efforts to reduce RWA sensitivity, including managing over the counter derivatives duration and maturity, data refinement, portfolio rebalancing, etc.; Conservative provisioning stance for MPL coverage ratio, with active write-off, sell-off, and exit strategy for real estate exposures to reduce MPL; Impact of ELS-related operational risk on CT1, with about 745 billion won voluntary compensation earmarked as losses, and potential 20 BIP positive impact on CT1 from next year; Bukufin Bank's restructuring and IT system upgrade, strong operational base, and efforts to reduce funding costs through acquisition of CASA deposits; Loan growth targets: household loan 1% - 2%, corporate loan 6% - 7%, overall bank credit growth around 4% for the year
Guidance
Loan growth targets: household loan 1% - 2%, corporate loan 6% - 7%, overall bank credit growth around 4% for the year; Credit cost expected to be attainable at early to mid-40 BIPs level as of now; SG&A increase manageable due to tax rate increase, strong earnings leading to bonus set-aside, but efforts to manage cost optimization
Segment performance
Not detailed product segment financial performance provided
Risks & headwinds
FX impact on profitability and RWA sensitivity; Unconfirmed fines and penalties; Potential additional impact on asset quality from Middle East war and high FX rate
Analyst Q&A
Q: Despite a challenging environment, questions about operational risk RWA deregulation and impact on CT1, and KB Bukufin Bank's overseas earnings contribution.
A: ELS-related operational risk may have 20 BIP positive CT1 impact from next year, Bukufin Bank has strong operational base and efforts to reduce funding costs, global profit contribution expected to hike;
Q: Question about loan growth sustainability, SG&A increase manageability, and credit cost.
A: Loan growth targets by segment, credit cost attainable at current level, SG&A increase manageable due to tax and earnings factors