KB (KB Financial Group) Moat Score : 5/10 (As of Jul. 09, 2025)

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What is KB Financial Group Moat Score?

KB Financial Group has the Moat Score of 5, which implies that the company might have Narrow Moat - Solid narrow moat.

KB Financial Group has Narrow Moat: KB Financial Group Inc has a solid narrow moat due to its strong market position in South Korea and customer loyalty. The company benefits from economies of scale and regulatory barriers in the financial sector. However, it lacks significant network effects or unique intellectual property to warrant a wide moat.

Moat Score is a ranking system developed by GuruFocus to assess a company's ability to sustain a competitive advantage, rated on a scale from 0 to 10. It takes into account key factors such as market leadership, cost advantages, network effects, customer switching costs, and more.

The company's Moat Score is based on these criteria:

1. Market leadership and sustainable market share
2. Network effects and significant customer switching costs
3. Valuable intellectual property and patents
4. Strong brand strength and deep customer loyalty
5. Durable cost advantages (e.g., economies of scale, proprietary technology)
6. Significant regulatory barriers and exclusive licenses
7. Superior distribution network
8. Strong and sustainable pricing power
9. Consistent and impactful innovation and R&D capabilities

Based on the research, GuruFocus believes KB Financial Group might have Narrow Moat - Solid narrow moat.

Competitive Comparison of KB Financial Group's Moat Score

For the Banks - Regional subindustry, KB Financial Group's Moat Score, along with its competitors' market caps and Moat Score data, can be viewed below:

* Competitive companies are chosen from companies within the same industry, with headquarter located in same country, with closest market capitalization; x-axis shows the market cap, and y-axis shows the term value; the bigger the dot, the larger the market cap. Note that "N/A" values will not show up in the chart.

KB Financial Group's Moat Score Distribution in the Banks Industry

For the Banks industry and Financial Services sector, KB Financial Group's Moat Score distribution charts can be found below:

* The bar in red indicates where KB Financial Group's Moat Score falls into.

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KB Financial Group (NYSE:KB) Moat Score Explanation

The Moat Score ranges from 0 to 10, with 10 as the highest. GuruFocus divided Moat Score into following 8 categories:

Moat Score	Moat Level
10	Wide Moat - Exceptionally dominant and durable wide moat
8 - 9	Wide Moat - Clear and robust wide moat
7	Wide Moat - Entry-level wide moat, clearly possessing durable advantages
6	Narrow Moat - Strong narrow moat, clearly distinguishable but not wide
5	Narrow Moat - Solid narrow moat
4	Narrow Moat - Discernible but modest moat
1 - 3	No Moat - Very weak/transient advantages
0	No Moat - No discernible moat

KB Financial Group Moat Score Related Terms

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KB Financial Group Business Description

Industry

GURUFOCUS.COM » STOCK LIST » Financial Services » Banks » KB Financial Group Inc (NYSE:KB) » Definitions » Moat Score

Traded in Other Exchanges

105560:Korea KBIA:Germany KBIA:Germany K1BF34:Brazil KB:Argentina

Address

26, Gukjegeumyung-ro 8-gil, Yeongdeungpo-gu, Seoul, KOR, 07331

Website

https://www.kbfg.com

KB Financial Group Inc. is a financial holding company in Korea. The company operations include Kookmin Bank, one of the commercial banks in Korea. The company's subsidiaries collectively engage in a broad range of businesses, including commercial banking, credit cards, asset management, non-life and life insurance, capital markets activities, and international banking and finance. The company's segments include the Banking business, Securities business, Non-life Insurance business, Credit card business, and Life Insurance business. The Group generates the majority of its revenue from the Banking business.