KBC GROUP NV(EBR:KBC) stock Fundamental Analysis

Fundamental Rating

Taking everything into account, KBC scores 2 out of 10 in our fundamental rating. KBC was compared to 95 industry peers in the Banks industry. Both the profitability and financial health of KBC have multiple concerns. 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.

In the past 5 years KBC has always been profitable.

In multiple years KBC reported negative operating cash flow during the last 5 years.

1.2 Ratios

KBC has a Return On Assets of 0.82%. This is comparable to the rest of the industry: KBC outperforms 56.84% of its industry peers.

Looking at the Return On Equity, with a value of 12.41%, KBC is in the better half of the industry, outperforming 64.21% of the companies in the same industry.

		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 60.00% 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.

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.

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 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

WACC22.53%

2.3 Liquidity

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

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WACC

Debt/Equity

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Altman-Z score

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3. Growth

3.1 Past

The Earnings Per Share has been growing slightly by 3.61% over the past year.

Measured over the past 5 years, KBC shows a small growth in Earnings Per Share. The EPS has been growing by 7.34% on average per year.

The Revenue has been growing slightly by 1.28% in the past 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)3.61%

EPS 3Y10.6%

EPS 5Y7.34%

EPS Q2Q%72.96%

Revenue 1Y (TTM)1.28%

Revenue growth 3Y6.91%

Revenue growth 5Y4.07%

Sales Q2Q%7.07%

3.2 Future

KBC is expected to show a decrease in Earnings Per Share. In the coming years, the EPS will decrease by -1.74% yearly.

Based on estimates for the next years, KBC will show a small growth in Revenue. The Revenue will grow by 5.99% on average per year.

EPS Next Y-3.74%

EPS Next 2Y2.57%

EPS Next 3Y4.8%

EPS Next 5Y-1.74%

Revenue Next Year6.1%

Revenue Next 2Y5.73%

Revenue Next 3Y5.49%

Revenue Next 5Y5.99%

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 accelerating.

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4. Valuation

4.1 Price/Earnings Ratio

The Price/Earnings ratio is 9.88, which indicates a very decent valuation of KBC.

Based on the Price/Earnings ratio, KBC is valued a bit more expensive than 69.47% of the companies in the same industry.

Compared to an average S&P500 Price/Earnings ratio of 28.79, KBC is valued rather cheaply.

With a Price/Forward Earnings ratio of 10.27, 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 63.16% of the companies in the same industry.

KBC is valuated cheaply when we compare the Price/Forward Earnings ratio to 21.38, which is the current average of the S&P500 Index.

		Industry Rank	Sector Rank
PE	9.88
Fwd PE	10.27

4.2 Price Multiples

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

4.3 Compensation for Growth

PEG (NY)N/A

PEG (5Y)1.35

EPS Next 2Y2.57%

EPS Next 3Y4.8%

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5. Dividend

5.1 Amount

KBC has a Yearly Dividend Yield of 3.68%.

KBC's Dividend Yield is slightly below the industry average, which is at 5.47.

KBC's Dividend Yield is a higher than the S&P500 average which is at 2.51.

		Industry Rank	Sector Rank
Dividend Yield	3.68%

5.2 History

The dividend of KBC is nicely growing with an annual growth rate of 6.06%!

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 declining while the Dividend Rate has been growing. This means the dividend growth is most likely not sustainable.

DP67.66%

EPS Next 2Y2.57%

EPS Next 3Y4.8%

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KBC GROUP NV

EBR:KBC (4/25/2025, 7:00:00 PM)

82.22

+1.04 (+1.28%)

Chartmill FA Rating

GICS SectorFinancials

GICS IndustryGroupBanks

GICS IndustryBanks

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

Earnings (Next)05-15 2025-05-15

Inst Owners29.86%

Inst Owner ChangeN/A

Ins OwnersN/A

Ins Owner ChangeN/A

Market Cap34.33B

Analysts71.82

Price Target89.73 (9.13%)

Short Float %N/A

Short RatioN/A

Dividend

		Industry Rank	Sector Rank
Dividend Yield	3.68%

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)2.55%

PT rev (3m)8.73%

EPS NQ rev (1m)0%

EPS NQ rev (3m)3.81%

EPS NY rev (1m)-0.2%

EPS NY rev (3m)1.98%

Revenue NQ rev (1m)0.04%

Revenue NQ rev (3m)-0.84%

Revenue NY rev (1m)0%

Revenue NY rev (3m)1.36%

Valuation

		Industry Rank	Sector Rank
PE	9.88
Fwd PE	10.27
P/S	2.69
P/FCF	N/A
P/OCF	N/A
P/B	1.47
P/tB	1.65
EV/EBITDA	N/A

EPS(TTM)8.32

EY10.12%

EPS(NY)8.01

Fwd EY9.74%

FCF(TTM)-36.95

FCFYN/A

OCF(TTM)-33.91

OCFYN/A

SpS30.61

BVpS55.8

TBVpS49.95

PEG (NY)N/A

PEG (5Y)1.35

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

WACC22.53%

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)3.61%

EPS 3Y10.6%

EPS 5Y7.34%

EPS Q2Q%72.96%

EPS Next Y-3.74%

EPS Next 2Y2.57%

EPS Next 3Y4.8%

EPS Next 5Y-1.74%

Revenue 1Y (TTM)1.28%

Revenue growth 3Y6.91%

Revenue growth 5Y4.07%

Sales Q2Q%7.07%

Revenue Next Year6.1%

Revenue Next 2Y5.73%

Revenue Next 3Y5.49%

Revenue Next 5Y5.99%

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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