KBC GROUP NV(EBR:KBC) stock Fundamental Analysis

Fundamental Rating

We assign a fundamental rating of 2 out of 10 to KBC. KBC was compared to 98 industry peers in the Banks industry. KBC may be in some trouble as it scores bad on both profitability and health. KBC is valued expensive and it does not seem to be growing.

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1. Profitability

1.1 Basic Checks

KBC had positive earnings in the past year.

KBC had a negative operating cash flow in the past year.

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's Return On Assets of 0.82% is in line compared to the rest of the industry. KBC outperforms 54.55% of its industry peers.

With a Return On Equity value of 12.41%, KBC perfoms like the industry average, outperforming 57.95% of the companies in the same industry.

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

ROA(3y)0.83%

ROA(5y)0.75%

ROE(3y)12.52%

ROE(5y)11.21%

ROIC(3y)N/A

ROIC(5y)N/A

1.3 Margins

KBC's Profit Margin of 22.62% is in line compared to the rest of the industry. KBC outperforms 57.95% of its industry peers.

In the last couple of years the Profit Margin of KBC has remained more or less at the same level.

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 3Y20.25%

PM growth 5Y0.07%

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.

Compared to 1 year ago, KBC has less shares outstanding

The number of shares outstanding for KBC has been reduced compared to 5 years ago.

KBC has a worse debt/assets ratio than last year.

2.2 Solvency

KBC has a Debt/Equity ratio of 1.64. This is a high value indicating a heavy dependency on external financing.

KBC has a Debt to Equity ratio (1.64) which is in line with its industry peers.

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

ROIC/WACCN/A

WACC23.18%

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 -11.39% in the last year.

The Earnings Per Share has been growing slightly by 6.07% on average over the past years.

KBC shows a decrease in Revenue. In the last year, the revenue decreased by -0.26%.

The Revenue has been growing slightly by 5.92% on average over the past years.

EPS 1Y (TTM)-11.39%

EPS 3Y34.1%

EPS 5Y6.07%

EPS Q2Q%3.38%

Revenue 1Y (TTM)-0.26%

Revenue growth 3Y11.37%

Revenue growth 5Y5.92%

Sales Q2Q%2.65%

3.2 Future

KBC is expected to show a decrease in Earnings Per Share. In the coming years, the EPS will decrease by -0.22% yearly.

KBC is expected to show a small growth in Revenue. In the coming years, the Revenue will grow by 3.90% yearly.

EPS Next Y1.48%

EPS Next 2Y-0.59%

EPS Next 3Y2.55%

EPS Next 5Y-0.22%

Revenue Next Year-0.41%

Revenue Next 2Y2.12%

Revenue Next 3Y3.03%

Revenue Next 5Y3.9%

3.3 Evolution

The EPS growth rate is decreasing: in the next years the growth will be less than in the last years.

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

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4. Valuation

4.1 Price/Earnings Ratio

The Price/Earnings ratio is 10.20, which indicates a very decent valuation of KBC.

Based on the Price/Earnings ratio, KBC is valued a bit more expensive than 71.59% of the companies in the same industry.

Compared to an average S&P500 Price/Earnings ratio of 28.47, KBC is valued rather cheaply.

A Price/Forward Earnings ratio of 9.20 indicates a reasonable valuation of KBC.

KBC's Price/Forward Earnings ratio is in line with the industry average.

Compared to an average S&P500 Price/Forward Earnings ratio of 92.74, KBC is valued rather cheaply.

		Industry Rank	Sector Rank
PE	10.2
Fwd PE	9.2

4.2 Price Multiples

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

4.3 Compensation for Growth

The high PEG Ratio(NY), which compensates the Price/Earnings for growth, indicates an expensive valuation of the company.

PEG (NY)6.89

PEG (5Y)1.68

EPS Next 2Y-0.59%

EPS Next 3Y2.55%

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5. Dividend

5.1 Amount

KBC has a Yearly Dividend Yield of 3.89%. Purely for dividend investing, there may be better candidates out there.

KBC's Dividend Yield is slightly below the industry average, which is at 5.05.

KBC's Dividend Yield is rather good when compared to the S&P500 average which is at 2.28.

		Industry Rank	Sector Rank
Dividend Yield	3.89%

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.

The Dividend Rate of KBC has been growing, while earnings will be declining. This means the dividend growth is most likely not sustainable.

DP67.66%

EPS Next 2Y-0.59%

EPS Next 3Y2.55%

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KBC GROUP NV

EBR:KBC (2/5/2025, 5:35:30 PM)

-0.08 (-0.11%)

Chartmill FA Rating

GICS SectorFinancials

GICS IndustryGroupBanks

GICS IndustryBanks

Earnings (Last)11-07 2024-11-07/bmo

Earnings (Next)02-13 2025-02-13/amc

Inst Owners29.67%

Inst Owner ChangeN/A

Ins OwnersN/A

Ins Owner ChangeN/A

Market Cap30.48B

Analysts71.3

Price Target83.87 (14.89%)

Short Float %N/A

Short RatioN/A

Dividend

		Industry Rank	Sector Rank
Dividend Yield	3.89%

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)1.62%

PT rev (3m)6.28%

EPS NQ rev (1m)3.81%

EPS NQ rev (3m)15.62%

EPS NY rev (1m)2.75%

EPS NY rev (3m)2.75%

Revenue NQ rev (1m)-0.46%

Revenue NQ rev (3m)-0.84%

Revenue NY rev (1m)0.01%

Revenue NY rev (3m)0.01%

Valuation

		Industry Rank	Sector Rank
PE	10.2
Fwd PE	9.2
P/S	2.38
P/FCF	N/A
P/OCF	N/A
P/B	1.31
P/tB	1.46
EV/EBITDA	N/A

EPS(TTM)7.16

EY9.81%

EPS(NY)7.93

Fwd EY10.87%

FCF(TTM)-36.95

FCFYN/A

OCF(TTM)-33.91

OCFYN/A

SpS30.61

BVpS55.8

TBVpS49.95

PEG (NY)6.89

PEG (5Y)1.68

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)0.83%

ROA(5y)0.75%

ROE(3y)12.52%

ROE(5y)11.21%

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 3Y20.25%

PM growth 5Y0.07%

GM growth 3YN/A

GM growth 5YN/A

F-Score3

Asset Turnover0.04

Health

		Industry Rank	Sector Rank
Debt/Equity	1.64
Debt/FCF	N/A
Debt/EBITDA	N/A
Cap/Depr	195.54%
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-Score3

WACC23.18%

ROIC/WACCN/A

Cap/Depr(3y)192.28%

Cap/Depr(5y)206.25%

Cap/Sales(3y)8.38%

Cap/Sales(5y)9.23%

Profit Quality(3y)N/A

Profit Quality(5y)N/A

High Growth Momentum

Growth

EPS 1Y (TTM)-11.39%

EPS 3Y34.1%

EPS 5Y6.07%

EPS Q2Q%3.38%

EPS Next Y1.48%

EPS Next 2Y-0.59%

EPS Next 3Y2.55%

EPS Next 5Y-0.22%

Revenue 1Y (TTM)-0.26%

Revenue growth 3Y11.37%

Revenue growth 5Y5.92%

Sales Q2Q%2.65%

Revenue Next Year-0.41%

Revenue Next 2Y2.12%

Revenue Next 3Y3.03%

Revenue Next 5Y3.9%

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-241.75%

FCF growth 3YN/A

FCF growth 5YN/A

OCF growth 1Y-296.17%

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

More info and screens