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KBC Group N.V. (KBC.BR)

EUR120.60 +0.05 (+0.04%)
BE BRU Financial Services Banks - Regional
Address Havenlaan 2 1080
Brussels, BE
CEO Johan Thijs
Website kbc.com
IPO 2000-01-04
ISIN BE0003565737

Explore sections of this company profile

Also trades on Euronext Brussels · KBC.BR (EUR) Other OTC · KBCSF (USD) Other OTC · KBCSY (USD)
Description

KBC Group NV, along with its subsidiaries, provides a wide spectrum of integrated bank-insurance solutions, primarily catering to retail clients, private banking customers, small and medium-sized enterprises (SMEs), and mid-cap companies. Their diverse offerings encompass demand deposits and savings accounts, home and mortgage loans, consumer finance, and funding for SMEs. Furthermore, the group delivers credit facilities, investment fund and asset management services, life and non-life insurance policies, cash management, payment processing, trade finance, leasing, money and capital market products, and stockbroking. Digital convenience is also a focus, with internet and mobile banking services available. As of December 31, 2021, KBC Group maintained a substantial network of physical operations: 439 bank branches and 310 insurance agencies in Belgium, 208 bank branches in the Czech Republic, 123 in Slovakia, 198 in Hungary, 168 in Bulgaria, and 12 in Ireland. The company reaches its clientele through agents, brokers, and various electronic channels. KBC Group NV, incorporated in 1935 and headquartered in Brussels, Belgium, adopted its current name in March 2005, having previously been known as KBC Bank and Insurance Holding Company NV.

Market Cap & Enterprise Value
Merger & Acquisition History

No mergers or acquisitions recorded for this company.

Technical Outlook
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Signal Summary Loading…
Indicator 1D1W2W3W1M
Each column is computed on that timeframe's candles (1D = daily, 1W ≈ weekly, 1M ≈ monthly), not on the same last day. ▲ bullish · ▼ bearish · — neutral. The Net row counts signals per column; hover any cell (or the indicator name) to see the exact rule behind it.
Day Score & sub-scores
Statistical fingerprint & regime detail
Conditional historical analysis
Customize analysis (advanced)
Indicative levels generated algorithmically. Not financial advice.
Risk Profile
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Price Chart
Averages
Trend
Price
Levels
Draw
EUR120.60 +0.05 (+0.04%)
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Volume Profile
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Liquidity & share structure
Average Volume
383.6K
Beta
0.67
Float Shares
250.71M
Free Float %
63.2%
Price Performance
1D5D1M3M6M YTD1Y3Y5Y10YMax
-3.79% -2.27% -3.33% -1.37% +2.81% +0.40% +32.53% +81.27% +66.17% +129.46% +123.40%
Rolling Volatility
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Drawdown
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Relative Strength
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Monthly Returns Heatmap
From To
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Annual Monthly Returns
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Daily Returns Distribution
vs.
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Revenue flow

Revenue by geography

Revenue by segment

From To

Revenue composition

From To

By product

By geography

Financial Statements

Income Statement

Balance Sheet

Cash Flow Statement

Key Metrics

Financial Ratios

Employees

Financial Growth (CAGR)

Market Data

Analyst Consensus (1 ratings, all time) Hold
Price Targets & DCF
Current price
120.60
DCF (Unlevered) 136.26 +13.0%
DCF (Levered) 267.76 +122.0%

DCF figures are point estimates: small changes in growth or discount-rate assumptions move them materially. Read them as a reference, not a precise target.

Ratings Trend (MoM) 35% Bullish
Rating 2026-05 Change
Strong Buy 1 0
Buy 5 0
Hold 9 0
Sell 0 0
Strong Sell 2 0
Quality scores
Altman Z-Score
-0.47
Distress
Piotroski F-Score
6 / 9
Average
Composite Rating
B+
Overall Score
3 / 5
Medium
DCF Score
5 / 5
High
ROE Score
4 / 5
High
ROA Score
3 / 5
Medium
D/E Score
2 / 5
Medium
P/E Score
2 / 5
Medium
P/Book Score
2 / 5
Medium
Operational MOAT
  • Revenue growth
    -7.4% Q1'26: +10.2% (vs Q1'25)
  • EPS growth
    +4.4% Q1'26: +0.0% (vs Q1'25)
  • FCF margin
    Q1'26: -187.9% (vs Q1'25)
  • EBIT margin
    Q1'26: +12.1% (vs Q1'25)
  • ROIC
    Q1'26: +3.5% (vs Q1'25)
  • Share dilution
    -0.8% Q1'26: +0.0% (vs Q1'25)
  • Debt / EBITDA
    Q1'26: 16.67× (vs Q1'25)
Valuation Multiples From To
Price Forecast (3Y) From To
Model
Adjust
P/E
Theoretical Return — If Invested Today

* These projections are based on analyst consensus estimates and user-defined valuation multiples. This table is for informational purposes only and does not constitute a recommendation to buy or sell any security. Past performance is not indicative of future results.

DCF Interactive Model (UFCF)
Projection years:
Market assumptions
WACC components (optional)
Ke (Cost of Equity) = Rf + β (0.67) × ERP
WACC = 63% × Ke + 37% × Kd (41.3%) × (1−t)

Modifying these values recalculates WACC automatically.

Business assumptions
Intrinsic value (base): 135.95 Current price: 120.60
Enterprise Value: Equity Value: Terminal Value: TV as % of EV:

Base values reflect the latest available data for this company and market conditions.

Consensus Estimates
Metric Dec 2010
actual
Dec 2011
actual
Dec 2012
actual
Dec 2013
actual
Dec 2014
actual
Dec 2015
actual
Dec 2016
actual
Dec 2017
actual
Dec 2018
actual
Dec 2019
actual
Dec 2020
actual
Dec 2021
actual
Dec 2022
actual
Dec 2023
actual
Dec 2024
actual
Dec 2025
actual
Dec 2026
10 Rev. Ana.
9 EPS Ana.
Dec 2027
10 Rev. Ana.
10 EPS Ana.
Dec 2028
9 Rev. Ana.
8 EPS Ana.
Dec 2029
4 Rev. Ana.
6 EPS Ana.
Revenue
16.77B
est: 8.93B (+87.7%)
16.91B
est: 8.15B (+107.6%)
12.39B
est: 7.67B (+61.5%)
11.69B
est: 7.39B (+58.1%)
10.39B
est: 6.68B (+55.5%)
9.82B
est: 7.23B (+35.7%)
9.37B
est: 7.10B (+32.0%)
9.94B
est: 7.66B (+29.8%)
9.89B
est: 7.53B (+31.4%)
10.23B
est: 7.52B (+36.0%)
8.95B
est: 7.21B (+24.1%)
9.35B
est: 7.58B (+23.3%)
16.13B
est: 8.44B (+91.1%)
25.47B
est: 10.78B (+136.3%)
25.32B
est: 11.09B (+128.3%)
23.44B
est: 12.10B (+93.7%)
13.45B
13.38B – 13.54B
+11.1% YoY
14.39B
14.26B – 14.51B
+7.0% YoY
15.34B
15.20B – 15.47B
+6.6% YoY
16.11B
16.00B – 16.23B
+5.0% YoY
EBITDA
2.83B
est: 3.94B (-28.2%)
2.06B
est: 5.39B (-61.8%)
2.75B
est: 2.00B (+37.7%)
2.22B
est: 1.92B (+15.2%)
2.63B
est: 5.91B (-55.4%)
3.23B
est: 6.85B (-52.8%)
3.43B
est: 5.98B (-42.6%)
4.01B
est: 6.29B (-36.3%)
3.72B
est: 6.11B (-39.0%)
3.53B
est: 6.18B (-42.8%)
2.43B
est: 5.80B (-58.1%)
3.90B
est: 6.02B (-35.3%)
4.02B
est: 6.16B (-34.7%)
4.83B
est: 2.68B (+80.4%)
4.40B
est: 2.76B (+59.7%)
4.98B
est: 3.01B (+65.8%)
3.34B
3.32B – 3.36B
+11.1% YoY
3.57B
3.54B – 3.60B
+7.0% YoY
3.81B
3.78B – 3.84B
+6.6% YoY
4.00B
3.97B – 4.03B
+5.0% YoY
EBIT
2.22B
est: -2.40B (+192.6%)
786.00M
est: 1.81B (-56.5%)
976.00M
est: 773.30M (+26.2%)
1.71B
est: 940.36M (+81.6%)
2.42B
est: 1.55B (+56.5%)
2.54B
est: 2.67B (-4.9%)
3.09B
est: 2.50B (+23.7%)
3.67B
est: 3.34B (+9.7%)
3.31B
est: 3.60B (-8.0%)
3.12B
est: 3.31B (-6.0%)
1.85B
est: 2.94B (-37.1%)
3.42B
est: 3.05B (+12.2%)
3.49B
est: 3.11B (+12.0%)
4.18B
est: 2.36B (+76.7%)
3.94B
est: 2.43B (+61.9%)
4.58B
est: 2.65B (+72.5%)
2.95B
2.94B – 2.97B
+11.1% YoY
3.16B
3.13B – 3.18B
+7.0% YoY
3.36B
3.33B – 3.39B
+6.6% YoY
3.53B
3.51B – 3.56B
+5.0% YoY
Net Income
1.86B
est: -2.13B (+187.4%)
13.00M
est: 11.88B (-99.9%)
612.00M
est: 12.79M (+4,685.0%)
1.02B
est: 589.65M (+72.1%)
1.76B
est: 915.08M (+92.6%)
2.64B
est: 1.94B (+35.9%)
2.43B
est: 2.60B (-6.7%)
2.58B
est: 2.63B (-1.9%)
2.57B
est: 2.53B (+1.7%)
2.49B
est: 2.57B (-3.3%)
1.44B
est: 2.34B (-38.6%)
2.61B
est: 2.43B (+7.4%)
2.82B
est: 3.20B (-12.0%)
3.40B
est: 2.82B (+20.5%)
3.42B
est: 3.11B (+9.7%)
3.57B
est: 3.45B (+3.4%)
3.92B
3.68B – 4.12B
+13.6% YoY
4.39B
4.18B – 4.65B
+11.9% YoY
4.81B
4.42B – 5.02B
+9.7% YoY
4.98B
4.94B – 5.03B
+3.5% YoY
SGA
1.55B
est: 734.60M (+110.5%)
1.44B
est: 669.90M (+115.4%)
1.15B
est: 631.04M (+81.9%)
935.00M
est: 608.00M (+53.8%)
964.00M
est: 549.23M (+75.5%)
975.00M
est: 594.95M (+63.9%)
1.01B
est: 584.04M (+73.3%)
1.07B
est: 629.88M (+69.2%)
1.15B
est: 6.27B (-81.7%)
1.10B
est: 6.36B (-82.6%)
1.02B
est: 6.24B (-83.7%)
1.06B
est: 6.48B (-83.7%)
1.22B
est: 6.62B (-81.5%)
1.38B
est: 770.20M (+78.5%)
1.38B
est: 792.78M (+74.6%)
1.40B
est: 864.51M (+61.5%)
960.80M
955.93M – 967.14M
+11.1% YoY
1.03B
1.02B – 1.04B
+7.0% YoY
1.10B
1.09B – 1.11B
+6.6% YoY
1.15B
1.14B – 1.16B
+5.0% YoY
EPS
3.72
est: 4.38 (-15.0%)
-1.93
est: 2.51 (-176.9%)
-1.09
est: 3.30 (-133.0%)
1.03
est: 2.86 (-64.0%)
3.32
est: 3.82 (-13.1%)
3.80
est: 5.54 (-31.4%)
5.68
est: 5.01 (+13.5%)
6.03
est: 5.77 (+4.6%)
6.16
est: 5.68 (+8.5%)
5.98
est: 5.40 (+10.8%)
3.34
est: 3.16 (+5.7%)
6.15
est: 6.05 (+1.7%)
6.87
est: 6.43 (+6.8%)
8.04
est: 7.11 (+13.1%)
8.33
est: 7.84 (+6.3%)
8.70
est: 8.63 (+0.8%)
9.68
9.28 – 10.38
+12.2% YoY
10.92
10.52 – 11.72
+12.8% YoY
12.10
11.13 – 12.64
+10.8% YoY
12.55
12.44 – 12.67
+3.7% YoY
Historical Ratings (3M)
Date Rating Overall DCF ROE ROA D/E P/E P/B
2026-05-11 B+ 3/5 5/5 4/5 3/5 2/5 2/5 2/5
2026-05-08 B+ 3/5 5/5 4/5 3/5 2/5 2/5 2/5
2026-05-07 B+ 3/5 5/5 4/5 3/5 2/5 2/5 2/5
2026-05-06 B+ 3/5 5/5 4/5 3/5 2/5 2/5 2/5
2026-05-05 B+ 3/5 5/5 4/5 3/5 2/5 2/5 2/5
2026-05-04 B+ 3/5 5/5 4/5 3/5 2/5 2/5 2/5
2026-04-30 B+ 3/5 5/5 4/5 4/5 2/5 2/5 2/5
2026-04-29 B+ 3/5 5/5 4/5 4/5 2/5 2/5 2/5
2026-04-28 B+ 3/5 5/5 4/5 4/5 2/5 2/5 2/5
2026-04-27 B+ 3/5 5/5 4/5 4/5 2/5 2/5 2/5
2026-04-24 B+ 3/5 5/5 4/5 4/5 1/5 2/5 2/5
2026-04-23 A- 4/5 5/5 4/5 4/5 2/5 3/5 2/5
2026-04-22 A- 4/5 5/5 4/5 4/5 2/5 3/5 2/5
2026-04-21 A- 4/5 5/5 4/5 4/5 2/5 3/5 2/5
2026-04-20 A- 4/5 5/5 4/5 4/5 2/5 3/5 2/5
2026-04-17 B+ 3/5 5/5 4/5 4/5 1/5 3/5 2/5
2026-04-16 B+ 3/5 5/5 4/5 4/5 1/5 3/5 2/5
2026-04-15 B+ 3/5 5/5 4/5 4/5 1/5 3/5 2/5

Owner Earnings

Owner's Earnings (history) From To
Owner alignment
Owner's Earnings TTM
2.46B
OE per share TTM
6.09
Owner's Yield
5.16%
Maintenance CapEx ratio
102.40%
Maint CapEx / Avg PPE
19.3%

Ownership Overview

Ownership breakdown

Ownership breakdown not available.

At a glance
Institutional holders
Total invested
Insider transactions (90d)
0
Beneficial owners (>5%)
0
Beneficial owners (>5%)

No beneficial ownership filings recorded.

Institutional Activity (13F)

Institutional ownership trend

Institutional history not available.

Top institutional holders

Top holders not available.

Insider Activity

Insider Activity — Latest Quarter

No insider activity available.

Insider buys vs sells (history)

Insider history not available.

Recent insider transactions

No recent insider transactions.

Executive team

Top executives
EBIT / Employee
139.8K
Shares Outstanding
396.68M

Executive compensation

Executive compensation (annual)

Executive compensation not available.

CEO compensation breakdown

No CEO compensation history available.

Proxy statements

Proxy statements (DEF 14A)

No proxy statements available for this company yet.

Recent SEC filings

Recent SEC filings

No SEC filings available for this company yet.

Executive team

NameTitleCompensationGender
Johan Thijs Group Chief Executive Officer, MD & Executive Director 4M male
David Moucheron Chief Executive Officer of Belgium Business Unit 2M male
Bartel Puelinckx Chief Financial Officer & Executive Director 2M male
Erik Marcel Hugo Luts Chief Innovation Officer 2M male
Christine Van Rijsseghem Chief Risk Officer & Executive Director 2M female
Peter Grozdev Andronov Chief Executive Officer of International Markets Business Unit 2M male
Magistrate Ales Blazek Chief Executive Officer of Czech Republic Business Unit 1M
Viviane Huybrecht General Manager of Corporate & Internal Communication female
Johan Thiers Chief Financial Officer of Kbc Belgium B.U. male
Katleen Dewaele General Manager of Corporate & Internal Communication
Kurt De Baenst General Manager of Investor Relations Office male
ESG Score History

No data available for this company.

Senate Trading Activity

No Senate trading activity found for this company.

House Trading Activity

No House trading activity found for this company.

Market share among peers
Peer comparison — filtered group (TTM)
Your opinion

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These are community opinions and do not constitute buy or sell advice to act on. The results shown are based on aggregated opinions and are not an investment recommendation, nor do they intend to influence any investment decision.

Dividend yield history

Dividend history

Earnings history

Earnings reports

Stock splits