KBC GROUP NV(EBR:KBC) stock Fundamental Analysis

Fundamental Rating

We assign a fundamental rating of 3 out of 10 to KBC. KBC was compared to 99 industry peers in the Banks industry. KBC has a bad profitability rating. Also its financial health evaluation is rather negative. While showing a medium growth rate, KBC is valued expensive at the moment.

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1. Profitability

1.1 Basic Checks

In the past year KBC was profitable.

In the past year KBC has reported a negative cash flow from operations.

KBC had positive earnings in each of the past 5 years.

The reported operating cash flow has been mixed in the past 5 years: KBC reported negative operating cash flow in multiple years.

1.2 Ratios

KBC has a Return On Assets of 0.82%. This is comparable to the rest of the industry: KBC outperforms 53.76% of its industry peers.

KBC's Return On Equity of 12.41% is fine compared to the rest of the industry. KBC outperforms 65.59% of its industry peers.

		Industry Rank	Sector Rank
ROA	0.82%
ROE	12.41%
ROIC	N/A

ROA(3y)0.88%

ROA(5y)0.76%

ROE(3y)13.38%

ROE(5y)11.54%

ROIC(3y)N/A

ROIC(5y)N/A

1.3 Margins

KBC has a Profit Margin of 22.62%. This is comparable to the rest of the industry: KBC outperforms 56.99% of its industry peers.

KBC's Profit Margin has improved in the last couple of years.

KBC does not have Operating Margin and Gross Margin available, so we won't be analyzing them here.

		Industry Rank	Sector Rank
OM	N/A
PM (TTM)	22.62%
GM	N/A

OM growth 3YN/A

OM growth 5YN/A

PM growth 3Y2.07%

PM growth 5Y2.31%

GM growth 3YN/A

GM growth 5YN/A

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ROA

ROE

ROIC

Operating and Profit Margin

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2. Health

2.1 Basic Checks

KBC does not have a ROIC to compare to the WACC, probably because it is not profitable.

KBC has less shares outstanding than it did 1 year ago.

Compared to 5 years ago, KBC has less shares outstanding

The debt/assets ratio for KBC is higher compared to a year ago.

2.2 Solvency

A Debt/Equity ratio of 1.64 is on the high side and indicates that KBC has dependencies on debt financing.

KBC's Debt to Equity ratio of 1.64 is in line compared to the rest of the industry. KBC outperforms 59.14% of its industry peers.

		Industry Rank	Sector Rank
Debt/Equity	1.64
Debt/FCF	N/A
Altman-Z	N/A

ROIC/WACCN/A

WACC21.98%

2.3 Liquidity

		Industry Rank	Sector Rank
Current Ratio	N/A
Quick Ratio	N/A

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WACC

Debt/Equity

How to determine the health of a company

Altman-Z score

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3. Growth

3.1 Past

The earnings per share for KBC have decreased strongly by -13.06% in the last year.

KBC shows a small growth in Earnings Per Share. Measured over the last years, the EPS has been growing by 3.63% yearly.

Looking at the last year, KBC shows a small growth in Revenue. The Revenue has grown by 1.28% in the last year.

Measured over the past years, KBC shows a small growth in Revenue. The Revenue has been growing by 4.07% on average per year.

EPS 1Y (TTM)-13.06%

EPS 3Y4.32%

EPS 5Y3.63%

EPS Q2Q%-11.25%

Revenue 1Y (TTM)1.28%

Revenue growth 3Y6.91%

Revenue growth 5Y4.07%

Sales Q2Q%12.47%

3.2 Future

Based on estimates for the next years, KBC will show a small growth in Earnings Per Share. The EPS will grow by 3.28% on average per year.

KBC is expected to show a small growth in Revenue. In the coming years, the Revenue will grow by 5.00% yearly.

EPS Next Y14.96%

EPS Next 2Y12.07%

EPS Next 3Y11.18%

EPS Next 5Y3.28%

Revenue Next Year6.1%

Revenue Next 2Y5.73%

Revenue Next 3Y5.49%

Revenue Next 5Y5%

3.3 Evolution

When comparing the EPS growth rate of the last years to the growth rate of the upcoming years, we see that the growth is stable.

The Revenue growth rate is accelerating: in the next years the growth will be better than in the last years.

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4. Valuation

4.1 Price/Earnings Ratio

Based on the Price/Earnings ratio of 12.46, the valuation of KBC can be described as correct.

80.65% of the companies in the same industry are cheaper than KBC, based on the Price/Earnings ratio.

KBC's Price/Earnings ratio indicates a rather cheap valuation when compared to the S&P500 average which is at 29.35.

With a Price/Forward Earnings ratio of 10.84, the valuation of KBC can be described as very reasonable.

KBC's Price/Forward Earnings ratio is a bit more expensive when compared to the industry. KBC is more expensive than 61.29% of the companies in the same industry.

KBC is valuated cheaply when we compare the Price/Forward Earnings ratio to 22.10, which is the current average of the S&P500 Index.

		Industry Rank	Sector Rank
PE	12.46
Fwd PE	10.84

4.2 Price Multiples

		Industry Rank	Sector Rank
P/FCF	N/A
EV/EBITDA	N/A

4.3 Compensation for Growth

The low PEG Ratio(NY), which compensates the Price/Earnings for growth, indicates a rather cheap valuation of the company.

PEG (NY)0.83

PEG (5Y)3.43

EPS Next 2Y12.07%

EPS Next 3Y11.18%

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5. Dividend

5.1 Amount

With a Yearly Dividend Yield of 3.34%, KBC has a reasonable but not impressive dividend return.

Compared to an average industry Dividend Yield of 5.06, KBC is paying slightly less dividend.

KBC's Dividend Yield is a higher than the S&P500 average which is at 2.33.

		Industry Rank	Sector Rank
Dividend Yield	3.34%

5.2 History

On average, the dividend of KBC grows each year by 6.06%, which is quite nice.

Dividend Growth(5Y)6.06%

Div Incr Years1

Div Non Decr Years3

5.3 Sustainability

KBC pays out 67.66% of its income as dividend. This is not a sustainable payout ratio.

KBC's earnings are growing slower than its dividend. This means the dividend growth is not sustainable.

DP67.66%

EPS Next 2Y12.07%

EPS Next 3Y11.18%

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KBC GROUP NV

EBR:KBC (3/7/2025, 7:00:00 PM)

+0.14 (+0.16%)

Chartmill FA Rating

GICS SectorFinancials

GICS IndustryGroupBanks

GICS IndustryBanks

Earnings (Last)02-13 2025-02-13/bmo

Earnings (Next)N/A N/A

Inst Owners29.86%

Inst Owner ChangeN/A

Ins OwnersN/A

Ins Owner ChangeN/A

Market Cap36.33B

Analysts71.82

Price Target87.5 (0.57%)

Short Float %N/A

Short RatioN/A

Dividend

		Industry Rank	Sector Rank
Dividend Yield	3.34%

Yearly Dividend4.03

Dividend Growth(5Y)6.06%

DP67.66%

Div Incr Years1

Div Non Decr Years3

Ex-DateN/A

Surprises & Revisions

EPS beat(2)2

Avg EPS beat(2)7.74%

Min EPS beat(2)6.47%

Max EPS beat(2)9.01%

EPS beat(4)3

Avg EPS beat(4)4.31%

Min EPS beat(4)-3.72%

Max EPS beat(4)9.01%

EPS beat(8)6

Avg EPS beat(8)10.28%

EPS beat(12)10

Avg EPS beat(12)10.48%

EPS beat(16)12

Avg EPS beat(16)10.5%

Revenue beat(2)1

Avg Revenue beat(2)-0.34%

Min Revenue beat(2)-1.1%

Max Revenue beat(2)0.43%

Revenue beat(4)1

Avg Revenue beat(4)-0.41%

Min Revenue beat(4)-1.1%

Max Revenue beat(4)0.43%

Revenue beat(8)4

Avg Revenue beat(8)8.74%

Revenue beat(12)8

Avg Revenue beat(12)20.45%

Revenue beat(16)12

Avg Revenue beat(16)25.7%

PT rev (1m)4.33%

PT rev (3m)7.6%

EPS NQ rev (1m)0%

EPS NQ rev (3m)3.81%

EPS NY rev (1m)1.14%

EPS NY rev (3m)2.19%

Revenue NQ rev (1m)0%

Revenue NQ rev (3m)-0.88%

Revenue NY rev (1m)1.35%

Revenue NY rev (3m)1.82%

Valuation

		Industry Rank	Sector Rank
PE	12.46
Fwd PE	10.84
P/S	2.84
P/FCF	N/A
P/OCF	N/A
P/B	1.56
P/tB	1.74
EV/EBITDA	N/A

EPS(TTM)6.98

EY8.02%

EPS(NY)8.03

Fwd EY9.22%

FCF(TTM)-36.95

FCFYN/A

OCF(TTM)-33.91

OCFYN/A

SpS30.61

BVpS55.8

TBVpS49.95

PEG (NY)0.83

PEG (5Y)3.43

Profitability

		Industry Rank	Sector Rank
ROA	0.82%
ROE	12.41%
ROCE	N/A
ROIC	N/A
ROICexc	N/A
ROICexgc	N/A
OM	N/A
PM (TTM)	22.62%
GM	N/A
FCFM	N/A

ROA(3y)0.88%

ROA(5y)0.76%

ROE(3y)13.38%

ROE(5y)11.54%

ROIC(3y)N/A

ROIC(5y)N/A

ROICexc(3y)N/A

ROICexc(5y)N/A

ROICexgc(3y)N/A

ROICexgc(5y)N/A

ROCE(3y)N/A

ROCE(5y)N/A

ROICexcg growth 3YN/A

ROICexcg growth 5YN/A

ROICexc growth 3YN/A

ROICexc growth 5YN/A

OM growth 3YN/A

OM growth 5YN/A

PM growth 3Y2.07%

PM growth 5Y2.31%

GM growth 3YN/A

GM growth 5YN/A

F-Score2

Asset Turnover0.04

Health

		Industry Rank	Sector Rank
Debt/Equity	1.64
Debt/FCF	N/A
Debt/EBITDA	N/A
Cap/Depr	N/A
Cap/Sales	9.94%
Interest Coverage	N/A
Cash Conversion	N/A
Profit Quality	N/A
Current Ratio	N/A
Quick Ratio	N/A
Altman-Z	N/A

F-Score2

WACC21.98%

ROIC/WACCN/A

Cap/Depr(3y)N/A

Cap/Depr(5y)N/A

Cap/Sales(3y)N/A

Cap/Sales(5y)N/A

Profit Quality(3y)N/A

Profit Quality(5y)N/A

High Growth Momentum

Growth

EPS 1Y (TTM)-13.06%

EPS 3Y4.32%

EPS 5Y3.63%

EPS Q2Q%-11.25%

EPS Next Y14.96%

EPS Next 2Y12.07%

EPS Next 3Y11.18%

EPS Next 5Y3.28%

Revenue 1Y (TTM)1.28%

Revenue growth 3Y6.91%

Revenue growth 5Y4.07%

Sales Q2Q%12.47%

Revenue Next Year6.1%

Revenue Next 2Y5.73%

Revenue Next 3Y5.49%

Revenue Next 5Y5%

EBIT growth 1YN/A

EBIT growth 3YN/A

EBIT growth 5YN/A

EBIT Next YearN/A

EBIT Next 3YN/A

EBIT Next 5YN/A

FCF growth 1Y-89.86%

FCF growth 3YN/A

FCF growth 5YN/A

OCF growth 1Y-102.47%

OCF growth 3YN/A

OCF growth 5YN/A

KBC GROUP NV (KBC.BR) Stock Fundamental Analysis

1. Profitability

1.1 Basic Checks

1.2 Ratios

1.3 Margins

More info and screens

2. Health

2.1 Basic Checks

2.2 Solvency

2.3 Liquidity

More info and screens

3. Growth

3.1 Past

3.2 Future

3.3 Evolution

More info and screens

4. Valuation

4.1 Price/Earnings Ratio

4.2 Price Multiples

4.3 Compensation for Growth

More info and screens

5. Dividend

5.1 Amount

5.2 History

5.3 Sustainability

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