KBC Group NV

ENXTBR-KBC

Basic

Market Cap
€28.5B
EV
—
Shares Out
402.24M
Revenue
€10.84B
Employees
37,964

Margins

Gross
—
EBITDA
—
Operating
—
Pre-Tax
35.05%
Net
27.93%
FCF
30.86%

Returns (5Yr Avg)

ROA
0.76%
ROTA
12.76%
ROE
11.82%
ROCE
—
ROIC
0.94%

Valuation (TTM)

P/E
—
P/B
—
EV/Sales
—
EV/EBITDA
—
P/FCF
—
EV/Gross Profit
—

Valuation (NTM)

Price Target
€75.58
P/E
—
PEG
—
EV/Sales
—
EV/EBITDA
—
P/FCF
—

Financial Health

Cash
—
Net Debt
-€33.94B
Debt/Equity
—
EBIT/Interest
—

Growth (CAGR)

Rev 3Yr
16.98%
Rev 5Yr
7.95%
Rev 10Yr
—
Dil EPS 3Yr
15.65%
Dil EPS 5Yr
4.79%
Dil EPS 10Yr
30.88%
Rev Fwd 2Yr
0.88%
EBITDA Fwd 2Yr
—
EPS Fwd 2Yr
-3.03%
EPS LT Growth Est
4.12%

Dividends

Yield
—
Payout
58.01%
DPS
€4.15
DPS Growth 3Yr
19.37%
DPS Growth 5Yr
3.47%
DPS Growth 10Yr
—
DPS Growth Fwd 2Yr
6.16%

Metric	Dec '14	Dec '15	Dec '16	Dec '17	Dec '18	Dec '19	Dec '20	Dec '21	Dec '22	Dec '23	LTM
Interest Income On Loans						7,244	6,264	6,320	11,225	20,170	20,988
Interest Income On Investments						82	53	45	59	59	58
Interest Income, Total						7,326	6,317	6,365	11,284	20,229	21,046
Interest On Deposits						2,626	1,797	1,869	6,063	14,697	15,469
Interest Expense, Total						2,626	1,797	1,869	6,063	14,697	15,469
Net Interest Income						4,700	4,520	4,496	5,221	5,532	5,577
Gain (Loss) on Sale of Assets			—	—	—	—	—	13	68	405	—
Gain (Loss) on Sale of Invest. & Securities					—	82	—	6	-32	-22	-28
Income (Loss) on Equity Invest.	—	—	—	—	—	—	—	—	—	18	18
Total Other Non Interest Income						2,828	2,676	3,056	4,629	5,281	5,293
Non Interest Income, Total						2,910	2,676	3,075	4,665	5,682	5,283
Revenues Before Provison For Loan Losses						7,610	7,196	7,571	9,886	11,214	10,860
Provision For Loan Losses						203	1,074	-334	154	-16	24
Total Revenues						7,407	6,122	7,905	9,732	11,230	10,836
Total Revenues % Chg.						-2%	-17.3%	29.1%	23.1%	15.4%	5.1%
Salaries And Other Employee Benefits						2,357	2,329	2,457	—	—	—
Occupancy Expense						351	309	356	—	—	—
Selling General & Admin Expenses, Total						1,104	1,015	1,058	333	373	370
(Income) Loss on Equity Invest.						-7	11	5	10	4	1
Total Other Non Interest Expense						495	509	532	5,922	6,454	6,448
Non Interest Expense, Total						4,300	4,173	4,408	6,265	6,831	6,819
EBT, Excl. Unusual Items						3,107	1,949	3,497	3,467	4,399	4,017
Impairment of Goodwill	—		—	—	—	—	—	-7	-5	-109	-109
Asset Writedown						-9	-73	-52	-123	-122	-123
Legal Settlements		—	—			9	—	6	149	—	2
Other Unusual Items					—	9	-29	-26	—	11	11
EBT, Incl. Unusual Items						3,116	1,847	3,418	3,488	4,179	3,798
Income Tax Expense						627	407	804	670	778	773
Earnings From Continuing Operations						2,489	1,440	2,614	2,818	3,401	3,025
Minority Interest	—	—	—	—	—	—	—	—	—	1	1
Net Income						2,489	1,440	2,614	2,818	3,402	3,026
Preferred Dividend and Other Adjustments						56	50	50	50	64	77
Net Income to Common Incl Extra Items						2,433	1,390	2,564	2,768	3,338	2,949
Net Income to Common Excl. Extra Items						2,433	1,390	2,564	2,768	3,338	2,949
Total Shares Outstanding						416.4	416.7	416.9	417.2	408.5	403.5
Weighted Avg. Shares Outstanding						416	416	417	417	415	412.3
Weighted Avg. Shares Outstanding Dil						416	416	417	417	415	412.3
EPS						5.8	3.3	6.1	6.6	8	7.2
EPS Diluted						5.8	3.3	6.1	6.6	8	7.2
Effective Tax Rate						20.1%	22%	23.5%	19.2%	18.6%	20.4%