KBC GROUP NV (KBC.BR)

BE0003565737 - Common Stock

73.42  +0.12 (+0.16%)

Fundamental Rating

2

We assign a fundamental rating of 2 out of 10 to KBC. KBC was compared to 89 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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2

1. Profitability

1.1 Basic Checks

In the past year KBC was profitable.
KBC had a negative operating cash flow in the past year.
KBC had positive earnings in each of the past 5 years.
In multiple years KBC reported negative operating cash flow during the last 5 years.

1.2 Ratios

KBC has a Return On Assets of 0.80%. This is comparable to the rest of the industry: KBC outperforms 53.57% of its industry peers.
KBC's Return On Equity of 12.65% is in line compared to the rest of the industry. KBC outperforms 59.52% of its industry peers.
Industry RankSector Rank
ROA 0.8%
ROE 12.65%
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

The Profit Margin of KBC (23.08%) is comparable to the rest of the industry.
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 RankSector Rank
OM N/A
PM (TTM) 23.08%
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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1

2. Health

2.1 Basic Checks

KBC does not have a ROIC to compare to the WACC, probably because it is not profitable.
The number of shares outstanding for KBC has been reduced compared to 1 year ago.
KBC has less shares outstanding than it did 5 years ago.
KBC has a worse debt/assets ratio than last year.

2.2 Solvency

KBC has a Debt/Equity ratio of 1.53. This is a high value indicating a heavy dependency on external financing.
Looking at the Debt to Equity ratio, with a value of 1.53, KBC is in line with its industry, outperforming 58.33% of the companies in the same industry.
Industry RankSector Rank
Debt/Equity 1.53
Debt/FCF N/A
Altman-Z N/A
ROIC/WACCN/A
WACC23.2%

2.3 Liquidity

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

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2

3. Growth

3.1 Past

The earnings per share for KBC have decreased strongly by -11.39% in the last year.
KBC shows a small growth in Earnings Per Share. Measured over the last years, the EPS has been growing by 6.07% yearly.
Looking at the last year, KBC shows a small growth in Revenue. The Revenue has grown by 1.11% in the last year.
Measured over the past years, KBC shows a small growth in Revenue. The Revenue has been growing by 5.92% on average per year.
EPS 1Y (TTM)-11.39%
EPS 3Y34.1%
EPS 5Y6.07%
EPS Q2Q%3.38%
Revenue 1Y (TTM)1.11%
Revenue growth 3Y11.37%
Revenue growth 5Y5.92%
Sales Q2Q%2.65%

3.2 Future

The Earnings Per Share is expected to decrease by -2.63% on average over the next years.
Based on estimates for the next years, KBC will show a small growth in Revenue. The Revenue will grow by 3.81% on average per year.
EPS Next Y-1.23%
EPS Next 2Y-1.11%
EPS Next 3Y2.01%
EPS Next 5Y-2.63%
Revenue Next Year-0.42%
Revenue Next 2Y1.88%
Revenue Next 3Y2.85%
Revenue Next 5Y3.81%

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 decreasing.
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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3

4. Valuation

4.1 Price/Earnings Ratio

A Price/Earnings ratio of 10.25 indicates a reasonable valuation of KBC.
Based on the Price/Earnings ratio, KBC is valued a bit more expensive than 77.38% of the companies in the same industry.
KBC's Price/Earnings ratio indicates a rather cheap valuation when compared to the S&P500 average which is at 27.54.
With a Price/Forward Earnings ratio of 9.35, the valuation of KBC can be described as very reasonable.
KBC's Price/Forward Earnings is on the same level as the industry average.
The average S&P500 Price/Forward Earnings ratio is at 23.99. KBC is valued rather cheaply when compared to this.
Industry RankSector Rank
PE 10.25
Fwd PE 9.35

4.2 Price Multiples

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

4.3 Compensation for Growth

PEG (NY)N/A
PEG (5Y)1.69
EPS Next 2Y-1.11%
EPS Next 3Y2.01%

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4

5. Dividend

5.1 Amount

KBC has a Yearly Dividend Yield of 3.94%.
KBC's Dividend Yield is slightly below the industry average, which is at 5.51.
KBC's Dividend Yield is rather good when compared to the S&P500 average which is at 2.36.
Industry RankSector Rank
Dividend Yield 3.94%

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

67.43% of the earnings are spent on dividend by KBC. This is not a sustainable payout ratio.
KBC's earnings are declining while the Dividend Rate has been growing. This means the dividend growth is most likely not sustainable.
DP67.43%
EPS Next 2Y-1.11%
EPS Next 3Y2.01%

More info and screens

KBC GROUP NV

EBR:KBC (12/24/2024, 7:00:00 PM)

73.42

+0.12 (+0.16%)

Chartmill FA Rating
GICS SectorFinancials
GICS IndustryGroupBanks
GICS IndustryBanks
Earnings (Last)11-07 2024-11-07/bmo
Earnings (Next)N/A N/A
Inst Owners29.67%
Inst Owner ChangeN/A
Ins OwnersN/A
Ins Owner ChangeN/A
Market Cap30.66B
Analysts69.57
Price Target81.32 (10.76%)
Short Float %N/A
Short RatioN/A
Dividend
Industry RankSector Rank
Dividend Yield 3.94%
Dividend Growth(5Y)6.06%
DP67.43%
Div Incr Years1
Div Non Decr Years3
Ex-DateN/A
Surprises & Revisions
EPS beat(2)2
Avg EPS beat(2)5.97%
Min EPS beat(2)5.48%
Max EPS beat(2)6.47%
EPS beat(4)3
Avg EPS beat(4)3.32%
Min EPS beat(4)-3.72%
Max EPS beat(4)6.47%
EPS beat(8)6
Avg EPS beat(8)10.63%
EPS beat(12)9
Avg EPS beat(12)9.59%
EPS beat(16)12
Avg EPS beat(16)10.86%
Revenue beat(2)1
Avg Revenue beat(2)-0.24%
Min Revenue beat(2)-0.91%
Max Revenue beat(2)0.43%
Revenue beat(4)1
Avg Revenue beat(4)-0.2%
Min Revenue beat(4)-0.91%
Max Revenue beat(4)0.43%
Revenue beat(8)5
Avg Revenue beat(8)14.17%
Revenue beat(12)9
Avg Revenue beat(12)24.26%
Revenue beat(16)13
Avg Revenue beat(16)28.17%
PT rev (1m)3.05%
PT rev (3m)3.21%
EPS NQ rev (1m)0%
EPS NQ rev (3m)-11.14%
EPS NY rev (1m)0%
EPS NY rev (3m)0.24%
Revenue NQ rev (1m)0%
Revenue NQ rev (3m)-1.23%
Revenue NY rev (1m)0%
Revenue NY rev (3m)0.67%
Valuation
Industry RankSector Rank
PE 10.25
Fwd PE 9.35
P/S 2.44
P/FCF N/A
P/OCF N/A
P/B 1.34
P/tB 1.49
EV/EBITDA N/A
EPS(TTM)7.16
EY9.75%
EPS(NY)7.85
Fwd EY10.7%
FCF(TTM)-47.59
FCFYN/A
OCF(TTM)-44.54
OCFYN/A
SpS30.1
BVpS54.93
TBVpS49.15
PEG (NY)N/A
PEG (5Y)1.69
Profitability
Industry RankSector Rank
ROA 0.8%
ROE 12.65%
ROCE N/A
ROIC N/A
ROICexc N/A
ROICexgc N/A
OM N/A
PM (TTM) 23.08%
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 Turnover0.03
Health
Industry RankSector Rank
Debt/Equity 1.53
Debt/FCF N/A
Debt/EBITDA N/A
Cap/Depr 195.69%
Cap/Sales 10.12%
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
WACC23.2%
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 Y-1.23%
EPS Next 2Y-1.11%
EPS Next 3Y2.01%
EPS Next 5Y-2.63%
Revenue 1Y (TTM)1.11%
Revenue growth 3Y11.37%
Revenue growth 5Y5.92%
Sales Q2Q%2.65%
Revenue Next Year-0.42%
Revenue Next 2Y1.88%
Revenue Next 3Y2.85%
Revenue Next 5Y3.81%
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-944.64%
FCF growth 3YN/A
FCF growth 5YN/A
OCF growth 1Y-1801.53%
OCF growth 3YN/A
OCF growth 5YN/A