KBC Group NV Logo

KBC Group NV

KBC.BR

(3.2)
Stock Price

71,36 EUR

1% ROA

14.46% ROE

7.04x PER

Market Cap.

24.410.161.893,00 EUR

107.62% DER

6.28% Yield

31.72% NPM

KBC Group NV Stock Analysis

KBC Group NV Fundamental Analysis

Fundamental analysis in stock investing is like studying the foundation of a house before buying it. It involves looking at a company's financial health, like its earnings, assets, and debts, to determine if it's a good investment based on its fundamental strength and potential for growth.

KBC Group NV Fundamental Stock Analysis
# Analysis Rating
1 ROE

ROE surpassing expectations (15.85%) highlights strong profitability and efficient use of shareholders' equity, making it an appealing investment prospect.

2 PBV

The stock's low PBV ratio (0.98x) suggests it's undervalued, making it an attractive opportunity for investors.

3 Assets Growth

With a track record of consistent revenue growth in the past five years, this company presents a compelling opportunity.

4 Dividend

The company's consistent dividend distribution over the past five years reflects its dedication to providing shareholders with steady returns, making it an appealing choice for investors seeking income stability.

5 ROA

The stock's ROA (0.94%) indicates that it's doing well in making money from the things it owns. This makes it a good option to invest and make consistent profits.

6 Revenue Growth

Company's revenue has experienced consistent growth over the last three years, indicating a favorable financial trajectory and making it an attractive investment choice.

7 Net Profit Growth

Over the last three years, this company has consistently achieved net profit growth, indicating a favorable financial performance and making it an attractive investment option.

8 Graham Number

The Graham number calculation reveals that this company's stock price is potentially underestimated, implying that it may be a promising investment option.

9 Buffet Intrinsic Value

Based on Warren Buffett's formula, the company's stock appears undervalued (183), presenting an attractive investment chance with its intrinsic value surpassing the current market price.

10 DER

The stock is burdened with a heavy load of debt (104%), making it financially unstable and potentially risky for investors.

11 Dividend Growth

The company's dividend growth has remained unchanged for three years, signaling a lack of positive momentum and making it a less favorable investment choice.

KBC Group NV Technical Analysis

Technical analysis in stock investing is like reading the patterns on a weather map to predict future weather conditions. It involves studying past stock price movements and trading volumes to make predictions about where a stock's price might go next, without necessarily looking at the company's financial health.

KBC Group NV Technical Stock Analysis
# Analysis Recommendation
1 Awesome Oscillator Hold
2 MACD Buy
3 RSI Hold
4 Stoch RSI Sell

KBC Group NV Price Chart

Financial Statements

Financial statements are like report cards for companies. They show how much money a company makes (income statement), what it owns and owes (balance sheet), and where it spends its money (cash flow statement), helping stock investors understand if a company is healthy and worth investing in.

Income Statements

An income statement for a company is like a scoreboard for its profits and losses. It shows how much money the company made (revenue) and how much it spent to make that money (expenses), helping stock investors see if a company is making a profit or not.

Revenue in stock investing is the total amount of money a company earns from its sales, and it's a key factor that investors consider to assess a company's financial performance and growth potential.

KBC Group NV Revenue
Year Revenue Growth
2001 6.854.900.000
2002 7.857.500.000 12.76%
2003 9.195.700.000 14.55%
2004 10.965.500.000 16.14%
2005 27.431.000.000 60.03%
2006 11.740.000.000 -133.65%
2007 12.875.000.000 8.82%
2008 7.165.000.000 -79.69%
2009 9.258.000.000 22.61%
2010 12.297.000.000 24.71%
2011 10.505.000.000 -17.06%
2012 9.517.000.000 -10.38%
2013 7.497.000.000 -26.94%
2014 6.802.000.000 -10.22%
2015 6.979.000.000 2.54%
2016 6.983.000.000 0.06%
2017 7.726.000.000 9.62%
2018 7.440.000.000 -3.84%
2019 7.601.000.000 2.12%
2020 7.148.000.000 -6.34%
2021 7.481.000.000 4.45%
2022 8.491.000.000 11.89%
2023 10.852.000.000 21.76%

Research and Development Expenses are the costs a company incurs to create and improve its products or services, which can be important for investors to evaluate a company's innovation and potential for future growth.

KBC Group NV Research and Development Expenses
Year Research and Development Expenses Growth
2001 0
2002 0 0%
2003 0 0%
2004 0 0%
2005 0 0%
2006 0 0%
2007 0 0%
2008 0 0%
2009 0 0%
2010 0 0%
2011 0 0%
2012 0 0%
2013 0 0%
2014 0 0%
2015 0 0%
2016 0 0%
2017 0 0%
2018 0 0%
2019 0 0%
2020 0 0%
2021 0 0%
2022 0 0%
2023 0 0%

General and Administrative Expenses are the costs a company incurs to run its day-to-day operations, such as office rent, salaries, and utilities, which investors consider to understand a company's overall efficiency and management effectiveness.

KBC Group NV General and Administrative Expenses
Year General and Administrative Expenses Growth
2001 5.763.700.000
2002 1.982.500.000 -190.73%
2003 6.245.900.000 68.26%
2004 2.064.100.000 -202.6%
2005 1.601.000.000 -28.93%
2006 1.631.000.000 1.84%
2007 1.740.000.000 6.26%
2008 1.984.000.000 12.3%
2009 1.937.000.000 -2.43%
2010 1.546.000.000 -25.29%
2011 1.449.000.000 -6.69%
2012 1.342.000.000 -7.97%
2013 949.000.000 -41.41%
2014 968.000.000 1.96%
2015 921.000.000 -5.1%
2016 1.012.000.000 8.99%
2017 1.066.000.000 5.07%
2018 1.150.000.000 7.3%
2019 1.104.000.000 -4.17%
2020 1.015.000.000 -8.77%
2021 1.058.000.000 4.06%
2022 1.129.000.000 6.29%
2023 1.192.000.000 5.29%

EBITDA stands for Earnings Before Interest, Taxes, Depreciation, and Amortization. It is a measure that helps stock investors analyze a company's profitability by looking at its earnings without considering certain expenses. This helps to get a clearer picture of the company's financial performance and its ability to generate cash flow.

KBC Group NV EBITDA
Year EBITDA Growth
2001 439.007.200.000
2002 502.763.100.000 12.68%
2003 464.165.500.000 -8.32%
2004 499.769.500.000 7.12%
2005 9.581.000.000 -5116.26%
2006 12.557.000.000 23.7%
2007 16.003.000.000 21.53%
2008 11.051.000.000 -44.81%
2009 4.559.000.000 -142.4%
2010 6.843.000.000 33.38%
2011 8.012.000.000 14.59%
2012 8.213.000.000 2.45%
2013 6.545.000.000 -25.49%
2014 6.217.000.000 -5.28%
2015 6.072.000.000 -2.39%
2016 5.813.000.000 -4.46%
2017 6.224.000.000 6.6%
2018 6.178.000.000 -0.74%
2019 3.534.000.000 -74.82%
2020 2.433.000.000 -45.25%
2021 3.895.000.000 37.54%
2022 9.938.000.000 60.81%
2023 4.708.000.000 -111.09%

Gross profit is the money a company makes from selling its products or services after subtracting the cost of producing or providing them, and it is an important measure for investors to understand a company's profitability.

KBC Group NV Gross Profit
Year Gross Profit Growth
2001 6.854.900.000
2002 7.857.500.000 12.76%
2003 9.195.700.000 14.55%
2004 10.965.500.000 16.14%
2005 27.431.000.000 60.03%
2006 11.740.000.000 -133.65%
2007 12.875.000.000 8.82%
2008 7.165.000.000 -79.69%
2009 9.258.000.000 22.61%
2010 12.297.000.000 24.71%
2011 10.505.000.000 -17.06%
2012 9.517.000.000 -10.38%
2013 7.497.000.000 -26.94%
2014 6.802.000.000 -10.22%
2015 6.979.000.000 2.54%
2016 6.983.000.000 0.06%
2017 7.726.000.000 9.62%
2018 7.440.000.000 -3.84%
2019 7.601.000.000 2.12%
2020 7.148.000.000 -6.34%
2021 7.481.000.000 4.45%
2022 8.491.000.000 11.89%
2023 10.852.000.000 21.76%

Net income in stock investing is like the money a company actually gets to keep as profit after paying all its bills, and it's an important measure to understand how well a company is doing financially.

KBC Group NV Net Profit
Year Net Profit Growth
2001 1.178.400.000
2002 1.200.000.000 1.8%
2003 1.198.700.000 -0.11%
2004 1.930.500.000 37.91%
2005 2.443.000.000 20.98%
2006 3.430.000.000 28.78%
2007 3.281.000.000 -4.54%
2008 -2.484.000.000 232.09%
2009 -2.466.000.000 -0.73%
2010 1.860.000.000 232.58%
2011 13.000.000 -14207.69%
2012 612.000.000 97.88%
2013 1.015.000.000 39.7%
2014 1.762.000.000 42.4%
2015 2.639.000.000 33.23%
2016 2.427.000.000 -8.74%
2017 2.575.000.000 5.75%
2018 2.570.000.000 -0.19%
2019 2.489.000.000 -3.25%
2020 1.440.000.000 -72.85%
2021 2.614.000.000 44.91%
2022 2.743.000.000 4.7%
2023 3.508.000.000 21.81%

EPS, or earnings per share, is a measure that shows how much profit a company has earned for each outstanding share of its stock, and it is important for stock investors as it helps understand the profitability of a company and compare it with other companies in the market.

KBC Group NV Earning per Share (EPS)
Year Earning per Share (EPS) Growth
2001 3
2002 3 0%
2003 4 0%
2004 4 25%
2005 6 33.33%
2006 10 33.33%
2007 9 0%
2008 -7 228.57%
2009 -7 0%
2010 4 333.33%
2011 -2 400%
2012 -1 0%
2013 1 200%
2014 3 66.67%
2015 4 0%
2016 6 40%
2017 6 16.67%
2018 6 0%
2019 6 -20%
2020 3 -66.67%
2021 6 50%
2022 7 0%
2023 8 25%

Cashflow Statements

Cashflow statements show the movement of money in and out of a company, helping stock investors understand how much money a company makes and spends. By examining cashflow statements, investors can assess if a company is generating enough cash to pay its bills, invest in growth, and provide returns to stockholders.

Free cash flow is the leftover cash that a company generates after covering its operating expenses and capital expenditures, which is important for stock investors as it shows how much money a company has available to invest in growth, pay dividends, or reduce debt.

KBC Group NV Free Cashflow
Year Free Cashflow Growth
2001 -3.480.163.000.000
2002 519.955.000.000 769.32%
2003 286.918.000.000 -81.22%
2004 -2.797.619.000.000 110.26%
2005 -6.216.000.000 -44906.74%
2006 -6.865.000.000 9.45%
2007 -8.461.000.000 18.86%
2008 -12.169.000.000 30.47%
2009 -3.898.000.000 -212.19%
2010 16.362.000.000 123.82%
2011 -2.075.000.000 888.53%
2012 5.516.000.000 137.62%
2013 12.651.000.000 56.4%
2014 3.956.000.000 -219.79%
2015 9.888.000.000 59.99%
2016 17.143.000.000 42.32%
2017 11.864.000.000 -44.5%
2018 -8.890.000.000 233.45%
2019 -3.646.000.000 -143.83%
2020 25.366.000.000 114.37%
2021 13.113.000.000 -93.44%
2022 10.846.000.000 -20.9%
2023 -11.082.000.000 197.87%

Operating cash flow represents the cash generated or consumed by a company's day-to-day operations, excluding external investing or financing activities, and is crucial for stock investors as it shows how much cash a company is generating from its core business operations.

KBC Group NV Operating Cashflow
Year Operating Cashflow Growth
2001 -2.505.898.000.000
2002 1.889.667.000.000 232.61%
2003 1.457.710.000.000 -29.63%
2004 -1.717.547.000.000 184.87%
2005 -5.708.000.000 -29990.17%
2006 -6.229.000.000 8.36%
2007 -7.854.000.000 20.69%
2008 -10.987.000.000 28.52%
2009 -3.181.000.000 -245.39%
2010 17.037.000.000 118.67%
2011 -1.296.000.000 1414.58%
2012 6.284.000.000 120.62%
2013 13.230.000.000 52.5%
2014 4.550.000.000 -190.77%
2015 10.604.000.000 57.09%
2016 18.014.000.000 41.13%
2017 12.863.000.000 -40.05%
2018 -7.962.000.000 261.55%
2019 -2.462.000.000 -223.4%
2020 26.369.000.000 109.34%
2021 14.043.000.000 -87.77%
2022 11.766.000.000 -19.35%
2023 -10.971.000.000 207.25%

Capex, short for capital expenditures, refers to the money a company spends on acquiring or upgrading tangible assets like buildings, equipment, or technology, which is important for stock investors as it indicates how much a company is investing in its infrastructure to support future growth and profitability.

KBC Group NV Capital Expenditure
Year Capital Expenditure Growth
2001 974.265.000.000
2002 1.369.712.000.000 28.87%
2003 1.170.792.000.000 -16.99%
2004 1.080.072.000.000 -8.4%
2005 508.000.000 -212512.6%
2006 636.000.000 20.13%
2007 607.000.000 -4.78%
2008 1.182.000.000 48.65%
2009 717.000.000 -64.85%
2010 675.000.000 -6.22%
2011 779.000.000 13.35%
2012 768.000.000 -1.43%
2013 579.000.000 -32.64%
2014 594.000.000 2.53%
2015 716.000.000 17.04%
2016 871.000.000 17.8%
2017 999.000.000 12.81%
2018 928.000.000 -7.65%
2019 1.184.000.000 21.62%
2020 1.003.000.000 -18.05%
2021 930.000.000 -7.85%
2022 920.000.000 -1.09%
2023 111.000.000 -728.83%

Balance Sheet

Balance sheets provide a snapshot of a company's financial health and its assets (such as cash, inventory, and property) and liabilities (like debts and obligations) at a specific point in time. For stock investors, balance sheets help assess the company's overall worth and evaluate its ability to meet financial obligations and support future growth.

Equity refers to the ownership interest or stake that shareholders have in a company, representing their claim on its assets and earnings after all debts and liabilities are paid.

KBC Group NV Equity
Year Equity Growth
2001 12.379.200.000
2002 12.747.700.000 2.89%
2003 13.420.500.000 5.01%
2004 14.665.400.000 8.49%
2005 14.036.000.000 -4.48%
2006 17.220.000.000 18.49%
2007 17.347.000.000 0.73%
2008 14.210.000.000 -22.08%
2009 16.662.000.000 14.72%
2010 18.147.000.000 8.18%
2011 16.255.000.000 -11.64%
2012 15.598.000.000 -4.21%
2013 14.159.000.000 -10.16%
2014 16.524.000.000 14.31%
2015 15.811.000.000 -4.51%
2016 17.357.000.000 8.91%
2017 18.802.000.000 7.69%
2018 19.632.000.000 4.23%
2019 20.365.000.000 3.6%
2020 21.531.000.000 5.42%
2021 23.078.000.000 6.7%
2022 20.809.000.000 -10.9%
2023 23.864.000.000 12.8%

Assets represent the valuable resources that a company owns, such as cash, inventory, property, and equipment, and understanding a company's assets helps investors assess its value and potential for generating future profits.

KBC Group NV Assets
Year Assets Growth
2001 228.076.600.000
2002 219.763.400.000 -3.78%
2003 223.761.300.000 1.79%
2004 247.727.800.000 9.67%
2005 324.086.000.000 23.56%
2006 325.400.000.000 0.4%
2007 355.597.000.000 8.49%
2008 355.317.000.000 -0.08%
2009 324.231.000.000 -9.59%
2010 320.823.000.000 -1.06%
2011 285.382.000.000 -12.42%
2012 256.886.000.000 -11.09%
2013 241.306.000.000 -6.46%
2014 245.174.000.000 1.58%
2015 252.356.000.000 2.85%
2016 275.200.000.000 8.3%
2017 292.342.000.000 5.86%
2018 283.808.000.000 -3.01%
2019 290.735.000.000 2.38%
2020 320.743.000.000 9.36%
2021 340.346.000.000 5.76%
2022 355.872.000.000 4.36%
2023 358.453.000.000 0.72%

Liabilities refer to the financial obligations or debts that a company owes to creditors or external parties, and understanding a company's liabilities is important for investors as it helps assess the company's financial risk and ability to meet its obligations.

KBC Group NV Liabilities
Year Liabilities Growth
2001 211.259.200.000
2002 205.048.600.000 -3.03%
2003 208.515.300.000 1.66%
2004 231.556.600.000 9.95%
2005 308.335.000.000 24.9%
2006 306.946.000.000 -0.45%
2007 337.111.000.000 8.95%
2008 339.942.000.000 0.83%
2009 307.054.000.000 -10.71%
2010 302.149.000.000 -1.62%
2011 268.611.000.000 -12.49%
2012 240.926.000.000 -11.49%
2013 226.793.000.000 -6.23%
2014 228.653.000.000 0.81%
2015 236.545.000.000 3.34%
2016 257.843.000.000 8.26%
2017 273.540.000.000 5.74%
2018 264.176.000.000 -3.54%
2019 18.430.000.000 -1333.4%
2020 18.921.000.000 2.6%
2021 20.090.000.000 5.82%
2022 335.063.000.000 94%
2023 25.683.000.000 -1204.61%

KBC Group NV Financial Ratio (TTM)

Valuation Metrics

Revenue per Share
24.39
Net Income per Share
8.36
Price to Earning Ratio
7.04x
Price To Sales Ratio
2.36x
POCF Ratio
-3.57
PFCF Ratio
-2.93
Price to Book Ratio
1.05
EV to Sales
0.75
EV Over EBITDA
0.79
EV to Operating CashFlow
-1.1
EV to FreeCashFlow
-0.93
Earnings Yield
0.14
FreeCashFlow Yield
-0.34
Market Cap
24,41 Bil.
Enterprise Value
7,72 Bil.
Graham Number
102.95
Graham NetNet
43.77

Income Statement Metrics

Net Income per Share
8.36
Income Quality
-1.68
ROE
0.16
Return On Assets
0.01
Return On Capital Employed
0.02
Net Income per EBT
0.81
EBT Per Ebit
0.58
Ebit per Revenue
0.67
Effective Tax Rate
0.19

Margins

Sales, General, & Administrative to Revenue
0.13
Research & Developement to Revenue
0
Stock Based Compensation to Revenue
0
Gross Profit Margin
1
Operating Profit Margin
0.67
Pretax Profit Margin
0.39
Net Profit Margin
0.32

Dividends

Dividend Yield
0.06
Dividend Yield %
6.28
Payout Ratio
0.12
Dividend Per Share
3.7

Operating Metrics

Operating Cashflow per Share
-16.51
Free CashFlow per Share
-19.69
Capex to Operating CashFlow
0.19
Capex to Revenue
-0.13
Capex to Depreciation
-13.21
Return on Invested Capital
0.16
Return on Tangible Assets
0.01
Days Sales Outstanding
87.38
Days Payables Outstanding
0
Days of Inventory on Hand
0
Receivables Turnover
4.18
Payables Turnover
0
Inventory Turnover
0
Capex per Share
-3.18

Balance Sheet

Cash per Share
100,01
Book Value per Share
56,33
Tangible Book Value per Share
785.44
Shareholders Equity per Share
56.33
Interest Debt per Share
90.65
Debt to Equity
1.08
Debt to Assets
0.07
Net Debt to EBITDA
-1.71
Current Ratio
0
Tangible Asset Value
330,33 Bil.
Net Current Asset Value
19,16 Bil.
Invested Capital
1.08
Working Capital
44,85 Bil.
Intangibles to Total Assets
0.01
Average Receivables
2,53 Bil.
Average Payables
0,00 Bil.
Average Inventory
0
Debt to Market Cap
1.05

Dividends

Dividends in stock investing are like rewards that companies give to their shareholders. They are a portion of the company's profits distributed to investors, typically in the form of cash payments, as a way for them to share in the company's success.

KBC Group NV Dividends
Year Dividends Growth
2000 1
2001 1 0%
2002 1 0%
2003 2 0%
2004 2 0%
2005 2 0%
2006 3 50%
2007 3 33.33%
2008 8 57.14%
2011 1 0%
2012 0 0%
2013 1 100%
2015 2 50%
2016 1 -100%
2017 3 50%
2018 3 33.33%
2019 4 0%
2020 3 -50%
2021 3 33.33%
2022 6 40%
2023 3 -66.67%

KBC Group NV Profile

About KBC Group NV

KBC Group NV, together with its subsidiaries, provides integrated bank-insurance services primarily for retail, private banking, small and medium sized enterprises, and mid-cap clients. The company offers demand deposits and savings accounts; home and mortgage loans; consumer finance and SME funding services; credit, investment fund and asset management, and life and non-life insurance; and cash management, payments, trade finance, lease, money market, capital market products, and stockbroking services. It also provides Internet and mobile banking services. As of December 31, 2021, it operated 439 bank branches and 310 insurance agencies in Belgium; 208 bank branches in the Czech Republic; 123 bank branches in Slovakia; 198 bank branches in Hungary; 168 bank branches in Bulgaria; and 12 bank branches in Ireland. KBC Group NV serves customers through agents, brokers, and various electronic channels. The company was formerly known as KBC Bank and Insurance Holding Company NV and changed its name to KBC Group NV in March 2005. KBC Group NV was incorporated in 1935 and is headquartered in Brussels, Belgium.

CEO
Mr. Johan Thijs
Employee
35.235
Address
Havenlaan 2
Brussels, 1080

KBC Group NV Executives & BODs

KBC Group NV Executives & BODs
# Name Age
1 Mr. Johan Thiers
Chief Financial Officer of Kbc Belgium B.U.
70
2 Mr. Ales Blazek
Chief Executive Officer of Czech Republic Business Unit
70
3 Mr. David Moucheron
Chief Executive Officer of Belgium Business Unit
70
4 Ms. Viviane Huybrecht
General Manager of Corporate Communication
70
5 Mr. Kurt De Baenst
General Manager of Investor Relations Office
70
6 Mr. Peter Grozdev Andronov
Chief Executive Officer of International Markets Business Unit
70
7 Mr. Johan Thijs
Group Chief Executive Officer, MD & Executive Director
70
8 Mr. Roger Elie Popelier
Chief Financial Officer & Executive Director
70
9 Ms. Christine Van Rijsseghem
Chief Risk Officer & Executive Director
70
10 Mr. Erik Marcel Hugo Luts
Chief Innovation Officer
70

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