KB vs. PNC: KB Financial vs. PNC Financial Services Stock Comparison

Company Profile

KB Financial (KB) and PNC Financial Services (PNC) are both classified in the Diversified Banks sub-industry within the broader Banks industry, placing them in the closest GICS peer bucket.

PNC Financial Services (PNC) trades as ordinary local shares, while KB Financial (KB) trades as an ADR — compare with FX exposure, depositary-program fees, and dividend-withholding-tax differences in mind.

Price Performance

Cumulative Growth

Trailing Returns

Calendar-Year Returns

Performance Metrics

Risk Profile

Drawdown History

Return Distribution

Risk Metrics

Risk-Adjusted Performance

Risk-Return Positioning

Risk-Adjusted Metrics

Profitability

Capital efficiency shows on one side only: PNC Financial Services (PNC) earns 13.10% on shareholders’ equity, ranked against its industry; KB Financial (KB) has no ROE this period.

PNC Financial Services (PNC) at 31.68% keeps about the industry-typical share of revenue as profit, while KB Financial (KB) at 17.25% retains only a bottom-quartile share.

Neither side reports a meaningful operating margin: for KB Financial (KB) in Banks and PNC Financial Services (PNC) in Banks, funding costs are part of the core business, so net margin and ROE are the cleaner profitability reads.

Profitability Metrics

Growth

PNC Financial Services (PNC) at 10.90% is around its peer norm for revenue growth, while KB Financial (KB) at 5.61% drops into the bottom quartile, signaling weaker demand or pricing momentum.

Both KB Financial (KB) at 27.83% and PNC Financial Services (PNC) at 20.74% land near their industries' usual EPS growth ranges, so bottom-line momentum looks broadly in line with peers on both sides.

Growth Metrics

Financial Strength

current ratio doesn’t apply on either side: KB Financial (KB) in Banks and PNC Financial Services (PNC) in Banks both report balance sheets without a current/non-current split, so their short-term liquidity is better judged through regulatory and funding measures.

debt-to-equity ratio is set aside for both: KB Financial (KB) in Banks and PNC Financial Services (PNC) in Banks run businesses where balance-sheet leverage is part of the model, so capital-adequacy and funding measures are the better gauges of balance-sheet risk.

Financial Strength Metrics

Dividends

PNC Financial Services (PNC) at 3.13% pays an industry-typical yield; KB Financial (KB) at 1,434.96% is above its entire peer range — the higher number, but one that calls for a look at payout sustainability before treating it as an advantage.

Both KB Financial (KB) at 26.89% and PNC Financial Services (PNC) at 37.81% keep payout ratio within their industries’ typical mid-ranges — dividend policies that share earnings without consuming too much of them.

Dividend Metrics

Valuation

KB Financial (KB) at 9.55 sits in the cheaper P/E ratio quartile, while PNC Financial Services (PNC) at 12.00 is closer to its industry’s usual earnings multiple — a discount for KB, though growth and earnings durability still matter.

P/S ratio is set aside for both KB Financial (KB) in Banks and PNC Financial Services (PNC) in Banks: without a conventional revenue line, pricing per dollar of sales isn’t meaningful, and book- or earnings-based multiples make the better comparison.

Both look rich against book: PNC Financial Services (PNC) at 1.59 sits in the upper P/B ratio quartile, and KB Financial (KB) at 3.68 prices even higher, above its industry range.

Valuation Metrics