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KBC (Kbc) Stock Analysis
Buy, Hold or Sell?

Let's analyze Kbc together

I guess you are interested in KBC Groep NV. Buy, hold or sell? I don't know! However, I do recommend doing research before doing anything. I will help you with that.

  • 📊 Fundamental Analysis (FA) – Kbc’s Financial Insights
  • 📈 Technical Analysis (TA) – Kbc’s Price Targets

I'm going to help you getting a better view of KBC Groep NV. At the end you don't have to ask anyone for trading advice. You can make your own decision, with more confidence, the odds in your favor, backed by data.

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1. Quick Overview

1.1. Quick analysis of Kbc (30 sec.)










1.2. What can you expect buying and holding a share of Kbc? (30 sec.)

How much money do you get?

How much money do you get?
€5.58
When do you have the money?
1 year
How often do you get paid?
82.5%

What is your share worth?

Current worth
€63.52
Expected worth in 1 year
€68.14
How sure are you?
75.0%

+ What do you gain per year?

Total Gains per Share
€9.35
Return On Investment
10.7%

For what price can you sell your share?

Current Price per Share
€87.56
Expected price per share
€83.58 - €88.96
How sure are you?
50%
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2. Detailed Analysis

2.1. Valuation of Kbc (5 min.)




Live pricePrice per Share (EOD)
€87.56
Intrinsic Value Per Share
€-2,724.14 - €31.15
Total Value Per Share
€-2,660.62 - €94.67

2.2. Growth of Kbc (5 min.)




Is Kbc growing?

Current yearPrevious yearGrowGrow %
How rich?$29.6b$300.8b-$272.7b-967.3%

How much money is Kbc making?

Current yearPrevious yearGrowGrow %
Making money$1b$891m$126.3m12.4%
Net Profit Margin30.7%25.1%--

How much money comes from the company's main activities?

2.3. Financial Health of Kbc (5 min.)




2.4. Comparing to competitors in the Banks - Regional industry (5 min.)




  Industry Rankings (Banks - Regional)  

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3. Summary and Key Metrics

3.1. What can you expect buying and holding a share of Kbc?

Welcome investor! Kbc's management wants to use your money to grow the business. In return you get a share of Kbc.

First you should know what it really means to hold a share of Kbc. And how you can make/lose money.

Speculation

The Price per Share of Kbc is €87.56. The market price reflects what other people think it is worth; not what it's really worth. Your job is to find out if the market price is fair, overpriced, or underpriced. I will help you with that.

If you buy blind, there is a 50% chance of making or losing money by selling the stock in the future. However, we can look at a few things to determine the odds in our favor:

  • The fundamentals: the financial health trends of Kbc.
  • The technials: based on market psychology, we can make a calculated estimate of what the price will do in the future. We can do this through technical analysis. We can calculate the probabilities and the expected value (millionaire math). That's called speculation.
  • The book value: what is the market price compared to it's book value.

Investing

If you really want to invest in Kbc, you will have to let go of the thought of selling in the future. If you have to sell the share for less than you bought it, it can still be a good investment. Focus on what it means to hold the stock forever:

  • You own a part of the company. The equity of this part can grow or shrink. The current Book Value per Share is €63.52. Based on the TTM, the Book Value Change Per Share is €1.15 per quarter. Based on the YOY, the Book Value Change Per Share is €-178.17 per quarter.
  • You may receive quarterly/yearly dividend in the form of additional shares.
  • You may receive quarterly/yearly dividend in the form of cash. Based on the TTM the Dividend per Share is €1.18 per quarter.
Based on historical numbers we can estimate the returns while holding a share of Kbc.

How much money are you going to get?

 MRQTTMYOY3Y5Y10Y
 % of Price per Share% of Price per Share% of Price per Share% of Price per Share% of Price per Share% of Price per Share
Usd Eps1.621.9%2.512.9%2.122.4%2.302.6%1.992.3%1.832.1%
Usd Book Value Change Per Share4.254.9%1.361.6%-209.87-239.7%0.800.9%0.951.1%0.650.7%
Usd Dividend Per Share0.000.0%1.391.6%1.191.4%1.701.9%1.231.4%1.311.5%
Usd Total Gains Per Share4.254.9%2.753.1%-208.68-238.3%2.492.8%2.182.5%1.962.2%
Usd Price Per Share98.94-87.12-73.97-75.84-74.73-72.46-
Price to Earnings Ratio15.25-9.42-9.31-8.68-10.67-6.74-
Price-to-Total Gains Ratio23.27-47.53--0.75--1,809.41--1,071.79--526.99-
Price to Book Ratio1.32-1.25-0.35-0.82-0.97-1.17-
Price-to-Total Gains Ratio23.27-47.53--0.75--1,809.41--1,071.79--526.99-

When do you get the money?

Usd Investment
$.00
Usd Price Per Share103.136924
Number of shares9
Gains per QuarterTrailing 12 Months5 Year
Usd Dividend Per Share1.391.23
Usd Book Value Change Per Share1.360.95
Usd Total Gains Per Share2.752.18
Gains per Quarter (9 shares)24.7919.58
Gains per Year (9 shares)99.1578.31
YearsReturn on Investment (TTM)Return on Investment (5Y)
 DividendBook Value gainTotal gainsDividendBook Value gainTotal gains
Broker costs---10---10
1504989443468
2100981888868146
3151147287132102224
4201196386177137302
5251245485221171380
6301294584265205458
7351343683309239536
8402392782353273614
9452440881397307692
10502489980441342770

How sure are you?

Based on the past periods, how sure are you to get value out of your investment.

Linear %
 Trailing 12 Months3Y5 Year10 YearALLTIME
  % % % % %
Earnings Per Share4.00.00.0100.0%12.00.00.0100.0%20.00.00.0100.0%39.01.00.097.5%78.05.00.094.0%
Book Value Change Per Share3.01.00.075.0%6.06.00.050.0%12.08.00.060.0%24.016.00.060.0%50.033.00.060.2%
Dividend per Share2.00.02.050.0%10.00.02.083.3%18.00.02.090.0%33.00.07.082.5%35.00.048.042.2%
Total Gains per Share4.00.00.0100.0%7.05.00.058.3%14.06.00.070.0%30.010.00.075.0%57.026.00.068.7%
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3.2. Key Performance Indicators

The key performance indicators of KBC Groep NV compared to the Most Recent Quarter (MRQ).

 End of day+/-Most Recent QuarterTrailing 12 Months+/-Year-Over-Year+/-3Y+/-5 Year+/-10 Year+/-
Book Value Change Per Share--3.6101.154+213%-178.171+5036%0.675+435%0.806+348%0.552+554%
Book Value Per Share--63.52159.166+7%604.304-89%297.478-79%199.375-68%121.261-48%
Current Ratio---0.216-100%0.246-100%0.228-100%3.382-100%7.862-100%
Debt To Asset Ratio--0.9340.9350%0.286+226%0.648+44%0.763+22%0.849+10%
Debt To Equity Ratio--14.09814.346-2%4.306+227%10.502+34%12.076+17%13.342+6%
Dividend Per Share---1.184-100%1.007-100%1.441-100%1.041-100%1.110-100%
Enterprise Value---321811680616.000-260108821276.870-19%-24841780464.040-92%-158334833777.175-51%-194662320879.459-40%-208759582601.648-35%
Eps--1.3772.129-35%1.800-24%1.952-29%1.693-19%1.554-11%
Ev To Sales Ratio---27.742-22.984-17%0.916-3130%-14.889-46%-21.995-21%-26.442-5%
Free Cash Flow Per Share--2.72813.486-80%6.528-58%1.103+147%8.245-67%5.456-50%
Free Cash Flow To Equity Per Share--2.72812.142-78%8.754-69%1.284+113%8.199-67%4.902-44%
Gross Profit Margin--1.0000.977+2%0.962+4%0.968+3%0.972+3%0.986+1%
Intrinsic Value_10Y_max--31.151----------
Intrinsic Value_10Y_min---2724.143----------
Intrinsic Value_1Y_max--19.143----------
Intrinsic Value_1Y_min---42.981----------
Intrinsic Value_3Y_max--45.306----------
Intrinsic Value_3Y_min---329.111----------
Intrinsic Value_5Y_max--56.749----------
Intrinsic Value_5Y_min---832.209----------
Market Cap34723056980.480+4%33311319384.00029905428723.130+11%26275469535.960+27%26685082889.492+25%26569879120.541+25%25858392398.352+29%
Net Profit Margin--0.1880.307-39%0.251-25%0.305-38%0.302-38%0.318-41%
Operating Margin---0.106-100%0.286-100%0.570-100%0.526-100%0.545-100%
Operating Ratio---0.782-100%0.481-100%0.613-100%0.596-100%0.587-100%
Pb Ratio1.378+4%1.3221.248+6%0.352+275%0.821+61%0.965+37%1.174+13%
Pe Ratio15.899+4%15.2529.424+62%9.308+64%8.679+76%10.672+43%6.740+126%
Price Per Share87.560+4%84.00073.965+14%62.800+34%64.387+30%63.448+32%61.512+37%
Price To Free Cash Flow Ratio8.023+4%7.6971.423+441%-0.125+102%-0.144+102%0.134+5630%2.726+182%
Price To Total Gains Ratio24.257+4%23.27147.529-51%-0.749+103%-1809.408+7875%-1071.793+4706%-526.987+2365%
Quick Ratio---0.312-100%0.276-100%0.270-100%3.408-100%10.989-100%
Return On Assets--0.0010.002-39%0.002-32%0.002-36%0.002-28%0.002-31%
Return On Equity--0.0220.036-40%0.032-32%0.035-39%0.031-31%0.033-34%
Total Gains Per Share--3.6102.338+54%-177.164+5008%2.116+71%1.847+95%1.662+117%
Usd Book Value--29671301000.00028192447550.000+5%300893671575.000-90%147738990925.000-80%99113688760.000-70%60278090180.000-51%
Usd Book Value Change Per Share--4.2521.360+213%-209.867+5036%0.795+435%0.949+348%0.650+554%
Usd Book Value Per Share--74.82169.692+7%711.809-89%350.400-79%234.843-68%142.833-48%
Usd Dividend Per Share---1.395-100%1.186-100%1.697-100%1.226-100%1.308-100%
Usd Enterprise Value---379061978597.586-306382180582.025-19%-29261133208.593-92%-186502600706.134-51%-229292747763.915-40%-245897912346.481-35%
Usd Eps--1.6222.508-35%2.121-24%2.299-29%1.994-19%1.831-11%
Usd Free Cash Flow--1274487800.0006417788150.000-80%3114956550.000-59%397541250.000+221%4022881870.000-68%2672007255.000-52%
Usd Free Cash Flow Per Share--3.21415.885-80%7.690-58%1.299+147%9.711-67%6.426-50%
Usd Free Cash Flow To Equity Per Share--3.21414.302-78%10.311-69%1.512+113%9.658-67%5.774-44%
Usd Market Cap40900288817.307+4%39237403102.41435225604492.975+11%30949875566.407+27%31432359135.532+25%31296660616.085+25%30458600406.019+29%
Usd Price Per Share103.137+4%98.94487.123+14%73.972+34%75.841+30%74.735+32%72.455+37%
Usd Profit--643133400.0001017411125.000-37%891081350.000-28%949878191.667-32%835955630.000-23%776825050.000-17%
Usd Revenue--3415910000.0003326684075.000+3%4399750975.000-22%3458314400.000-1%2975610980.000+15%2558398800.000+34%
Usd Total Gains Per Share--4.2522.754+54%-208.681+5008%2.492+71%2.175+95%1.958+117%
 EOD+4 -4MRQTTM+15 -24YOY+10 -293Y+15 -245Y+11 -2810Y+11 -28

3.3 Fundamental Score

Let's check the fundamental score of KBC Groep NV based on Penke's default stock scanner.

Penke's Stock Scanner

  
  
IndicatorConditionValue
Price to Earnings Ratio (EOD)Between0-1515.899
Price to Book Ratio (EOD)Between0-11.378
Net Profit Margin (MRQ)Greater than00.188
Operating Margin (MRQ)Greater than00.000
Quick Ratio (MRQ)Greater than10.000
Current Ratio (MRQ)Greater than10.000
Debt to Asset Ratio (MRQ)Less than10.934
Debt to Equity Ratio (MRQ)Less than114.098
Return on Equity (MRQ)Greater than0.150.022
Return on Assets (MRQ)Greater than0.050.001
Total2/10 (20.0%)

3.4 Technical Score

Let's check the technical score of KBC Groep NV based on Penke's default Symbol scanner.

Penke's Symbol Scanner

  
  
IndicatorConditionValue
RsiGreater than5057.155
Ma 20Greater thanMa 5086.045
Ma 50Greater thanMa 10085.122
Ma 100Greater thanMa 20082.184
OpenGreater thanClose87.820
Total5/5 (100.0%)

4. In-depth Analysis

4.1 About KBC Groep NV

KBC Group NV, together with its subsidiaries, provides banking, insurance, and asset management services primarily for retail, private banking, small and medium sized enterprises, and mid-cap clients in Belgium, Bulgaria, the Czech Republic, Hungary, and Slovakia. The company provides demand deposits, time deposits, and savings and current accounts; home and mortgage loans; home insurance; consumer finance and SME funding services, investment fund, and life and non-life insurance; and cash management, payments, trade finance, lease, money market, capital market products, corporate finance, factoring, and stockbroking services. It offers digital and mobile banking services, as well as engages in the credit institution, software, driving school/roadside assistance business. 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.

Fundamental data was last updated by Penke on 2025-06-17 18:41:06.

4.2 In-depth Summary

4.2.1. Financial Health Summary

Profitability Details
 Compared to previous yearCompared to industry
The company is making a huge profit.
Using its assets, the company is inefficient in making profit.
Using its investors money, the company is inefficient in making profit.
Operating Efficiency Details
 Compared to previous yearCompared to industry
The company is operating less efficient.
The company is efficient in keeping operating costs low.
Liquidity Details
 Compared to previous yearCompared to industry
The company is unable to pay all its short-term debts.
The company is just not able to pay all its short-term debts with the most liquid assets.
Solvency Details
 Compared to previous yearCompared to industry
The company is just able to pay all its debts by selling its assets.
The company is unable to pay all its debts with equity.

4.2.2. Valuation Summary

Valuation Details
 Compared to previous yearCompared to industry
Based on the equity, the company is underpriced.
Based on the earnings, the company is underpriced.
Based on how much money comes from the company's main activities, the company is cheap.
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4.3 Financial Health

4.3.1. Profitability

4.3.1 Profitability
4.3.1.1. Net Profit Margin

Measures how much net profit Kbc earns for each €1 of revenue.

  • Above 10% is considered healthy but always compare Kbc to the Banks - Regional industry mean.
  • A Net Profit Margin of 18.8% means that €0.19 for each €1 in revenue is generated as profit.

Let's take a look of the Net Profit Margin trends of KBC Groep NV:

  • The MRQ is 18.8%. The company is making a huge profit. +2
  • The TTM is 30.7%. The company is making a huge profit. +2
Trends
Current periodCompared to+/- 
MRQ18.8%TTM30.7%-11.8%
TTM30.7%YOY25.1%+5.6%
TTM30.7%5Y30.2%+0.4%
5Y30.2%10Y31.8%-1.6%
Compared to industry (Banks - Regional)
PeriodCompanyIndustry (mean)+/- 
MRQ18.8%41.9%-23.1%
TTM30.7%31.1%-0.4%
YOY25.1%29.6%-4.5%
3Y30.5%29.0%+1.5%
5Y30.2%25.7%+4.5%
10Y31.8%22.1%+9.7%
4.3.1.2. Return on Assets

Shows how efficient Kbc is using its assets to generate profit.

  • Above 5% is considered healthy but always compare Kbc to the Banks - Regional industry mean.
  • 0.1% Return on Assets means that Kbc generated €0.00 profit for each $1 in assets.

Let's take a look of the Return on Assets trends of KBC Groep NV:

  • The MRQ is 0.1%. Using its assets, the company is inefficient in making profit. -1
  • The TTM is 0.2%. Using its assets, the company is inefficient in making profit. -1
Trends
Current periodCompared to+/- 
MRQ0.1%TTM0.2%-0.1%
TTM0.2%YOY0.2%+0.0%
TTM0.2%5Y0.2%+0.0%
5Y0.2%10Y0.2%0.0%
Compared to industry (Banks - Regional)
PeriodCompanyIndustry (mean)+/- 
MRQ0.1%0.2%-0.1%
TTM0.2%0.2%+0.0%
YOY0.2%0.2%+0.0%
3Y0.2%0.2%+0.0%
5Y0.2%0.2%0.0%
10Y0.2%0.2%+0.0%
4.3.1.3. Return on Equity

Shows how efficient Kbc is using its investors money to generate profit.

  • Above 15%-20% is considered healthy but always compare Kbc to the Banks - Regional industry mean.
  • 2.2% Return on Equity means Kbc generated €0.02 for each €1 the owners (shareholders) invested.

Let's take a look of the Return on Equity trends of KBC Groep NV:

  • The MRQ is 2.2%. Using its investors money, the company is inefficient in making profit. -1
  • The TTM is 3.6%. Using its investors money, the company is inefficient in making profit. -1
Trends
Current periodCompared to+/- 
MRQ2.2%TTM3.6%-1.5%
TTM3.6%YOY3.2%+0.4%
TTM3.6%5Y3.1%+0.5%
5Y3.1%10Y3.3%-0.1%
Compared to industry (Banks - Regional)
PeriodCompanyIndustry (mean)+/- 
MRQ2.2%2.8%-0.6%
TTM3.6%2.2%+1.4%
YOY3.2%2.6%+0.6%
3Y3.5%2.5%+1.0%
5Y3.1%2.4%+0.7%
10Y3.3%2.6%+0.7%
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4.3.2. Operating Efficiency of KBC Groep NV.

4.3.2. Operating Efficiency
4.3.2.1. Operating Margin

Measures how efficient Kbc is operating .

  • Measures how much profit Kbc makes for each €1 of sales after paying variable costs (production costs, wages, etc) but before taxes.
  • Above 15% is considered healthy but always compare Kbc to the Banks - Regional industry mean.
  • An Operating Margin of 0.0% means the company generated €0.00  for each €1 in revenue (before taxes).

Let's take a look of the Operating Margin trends of KBC Groep NV:

  • The MRQ is 0.0%. The data is not here.
Trends
Current periodCompared to+/- 
MRQ-TTM10.6%-10.6%
TTM10.6%YOY28.6%-18.0%
TTM10.6%5Y52.6%-42.0%
5Y52.6%10Y54.5%-1.9%
4.3.2.2. Operating Ratio

Measures how efficient Kbc is keeping operating costs low.

  • Below 1 is considered healthy (always compare to Banks - Regional industry mean).
  • An Operation Ratio of 0.00 means that the operating costs are €0.00 for each €1 in net sales.

Let's take a look of the Operating Ratio trends of KBC Groep NV:

  • The MRQ is 0.000. The data is not here.
Trends
Current periodCompared to+/- 
MRQ-TTM0.782-0.782
TTM0.782YOY0.481+0.302
TTM0.7825Y0.596+0.186
5Y0.59610Y0.587+0.010
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4.4.3. Liquidity of KBC Groep NV.

4.4.3. Liquidity
4.4.3.1. Current Ratio

Measures if Kbc is able to pay off Short-term Debt.

  • Above 1.5 is considered healthy (always compare to Banks - Regional industry mean).
  • A Current Ratio of 0.00 means the company has €0.00 in assets for each €1 in short-term debts.

Let's take a look of the Current Ratio trends of KBC Groep NV:

  • The MRQ is 0.000. The data is not here.
Trends
Current periodCompared to+/- 
MRQ-TTM0.216-0.216
TTM0.216YOY0.246-0.030
TTM0.2165Y3.382-3.166
5Y3.38210Y7.862-4.480
4.4.3.2. Quick Ratio

Measures if Kbc is able to pay off Short-term Debt but only using the most liquid assets.

  • Above 1 is considered healthy but always compare Kbc to the Banks - Regional industry mean.
  • A Quick Ratio of 0.00 means the company can pay off €0.00 for each €1 in debt (using most liquid assets).

Let's take a look of the Quick Ratio trends of KBC Groep NV:

  • The MRQ is 0.000. The data is not here.
Trends
Current periodCompared to+/- 
MRQ-TTM0.312-0.312
TTM0.312YOY0.276+0.036
TTM0.3125Y3.408-3.095
5Y3.40810Y10.989-7.581
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4.5.4. Solvency of KBC Groep NV.

4.5.4. Solvency
4.5.4.1. Debt to Asset Ratio

Measures how much % of Kbc assets are financed with debt.

  • Below 1 (100%) is considered healthy but always compare Kbc to Banks - Regional industry mean.
  • A Debt to Asset Ratio of 0.93 means that Kbc assets are financed with 93.4% credit (debt) and the remaining percentage (100% - 93.4%) is financed by its owners/shareholders. 

Let's take a look of the Debt to Asset Ratio trends of KBC Groep NV:

  • The MRQ is 0.934. The company is just able to pay all its debts by selling its assets.
  • The TTM is 0.935. The company is just able to pay all its debts by selling its assets.
Trends
Current periodCompared to+/- 
MRQ0.934TTM0.935-0.001
TTM0.935YOY0.286+0.649
TTM0.9355Y0.763+0.172
5Y0.76310Y0.849-0.086
Compared to industry (Banks - Regional)
PeriodCompanyIndustry (mean)+/- 
MRQ0.9340.912+0.022
TTM0.9350.914+0.021
YOY0.2860.331-0.045
3Y0.6480.655-0.007
5Y0.7630.761+0.002
10Y0.8490.845+0.004
4.5.4.2. Debt to Equity Ratio

Measures if Kbc is able to pay off its debts by using shareholders equity.

  • Below 2 is considered healthy but always compare Kbc to the Banks - Regional industry mean.
  • A Debt to Equity ratio of 1,409.8% means that company has €14.10 debt for each €1 in shareholders equity.

Let's take a look of the Debt to Equity Ratio trends of KBC Groep NV:

  • The MRQ is 14.098. The company is unable to pay all its debts with equity. -1
  • The TTM is 14.346. The company is unable to pay all its debts with equity. -1
Trends
Current periodCompared to+/- 
MRQ14.098TTM14.346-0.248
TTM14.346YOY4.306+10.040
TTM14.3465Y12.076+2.270
5Y12.07610Y13.342-1.266
Compared to industry (Banks - Regional)
PeriodCompanyIndustry (mean)+/- 
MRQ14.09810.416+3.682
TTM14.34610.683+3.663
YOY4.3064.228+0.078
3Y10.5027.922+2.580
5Y12.0769.283+2.793
10Y13.34211.348+1.994
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4.6. Market Valuation

4.6.1. Earnings Per Share
4.6.2.1. Price to Earnings Ratio

Measures how much money you pay for each share for every €1 in earnings Kbc generates.

  • Above 15 is considered overpriced but always compare Kbc to the Banks - Regional industry mean.
  • A PE ratio of 15.25 means the investor is paying €15.25 for every €1 in earnings.

Let's take a look of the Price to Earnings Ratio trends of KBC Groep NV:

  • The EOD is 15.899. Based on the earnings, the company is fair priced.
  • The MRQ is 15.252. Based on the earnings, the company is fair priced.
  • The TTM is 9.424. Based on the earnings, the company is underpriced. +1
Trends
Current periodCompared to+/- 
EOD15.899MRQ15.252+0.646
MRQ15.252TTM9.424+5.829
TTM9.424YOY9.308+0.115
TTM9.4245Y10.672-1.249
5Y10.67210Y6.740+3.933
Compared to industry (Banks - Regional)
PeriodCompanyIndustry (mean)+/- 
EOD15.8994.337+11.562
MRQ15.2523.875+11.377
TTM9.4246.132+3.292
YOY9.3084.741+4.567
3Y8.6795.925+2.754
5Y10.6728.400+2.272
10Y6.7409.118-2.378
4.6.2.2. Price To Free Cash Flow Ratio

Let's take a look of the Price To Free Cash Flow Ratio trends of KBC Groep NV:

  • The EOD is 8.023. Based on how much money comes from the company's main activities, the company is cheap. +2
  • The MRQ is 7.697. Based on how much money comes from the company's main activities, the company is cheap. +2
  • The TTM is 1.423. Based on how much money comes from the company's main activities, the company is cheap. +2
Trends
Current periodCompared to+/- 
EOD8.023MRQ7.697+0.326
MRQ7.697TTM1.423+6.274
TTM1.423YOY-0.125+1.548
TTM1.4235Y0.134+1.289
5Y0.13410Y2.726-2.591
Compared to industry (Banks - Regional)
PeriodCompanyIndustry (mean)+/- 
EOD8.0230.376+7.647
MRQ7.6970.336+7.361
TTM1.4230.632+0.791
YOY-0.125-1.072+0.947
3Y-0.1442.007-2.151
5Y0.1340.284-0.150
10Y2.7260.095+2.631
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4.6.2. Book Value per Share
4.6.2.1. Price to Book Ratio

Measures if the stock price of Kbc is to cheap or to expensive compared to its book value.

  • At or below 1 is considered healthy (always compare to Banks - Regional industry mean).
  • A PB ratio of 1.32 means the investor is paying €1.32 for each €1 in book value.

Let's take a look of the Price to Book Ratio trends of KBC Groep NV:

  • The EOD is 1.378. Based on the equity, the company is underpriced. +1
  • The MRQ is 1.322. Based on the equity, the company is underpriced. +1
  • The TTM is 1.248. Based on the equity, the company is underpriced. +1
Trends
Current periodCompared to+/- 
EOD1.378MRQ1.322+0.056
MRQ1.322TTM1.248+0.075
TTM1.248YOY0.352+0.895
TTM1.2485Y0.965+0.282
5Y0.96510Y1.174-0.209
Compared to industry (Banks - Regional)
PeriodCompanyIndustry (mean)+/- 
EOD1.3780.483+0.895
MRQ1.3220.432+0.890
TTM1.2480.446+0.802
YOY0.3520.149+0.203
3Y0.8210.355+0.466
5Y0.9650.578+0.387
10Y1.1740.801+0.373
4.6.2. Total Gains per Share
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6. Financial Statements




6.1. Latest Balance Sheet

Balance Sheet of 2025-03-31. Currency in EUR. All numbers in thousands.

Summary
Total Assets380,313,000
Total Liabilities355,123,000
Total Stockholder Equity25,190,000
 As reported
Total Liabilities 355,123,000
Total Stockholder Equity+ 25,190,000
Total Assets = 380,313,000

Assets

Total Assets380,313,000
Total Current Assets-
Long-term Assets-
Total Current Assets
Cash And Cash Equivalents 29,617,000
Total Current Assets  (as reported)0
Total Current Assets  (calculated)29,617,000
+/- 29,617,000
Long-term Assets
Property Plant Equipment 4,003,000
Long Term Investments 87,227,000
Long-term Assets  (as reported)0
Long-term Assets  (calculated)91,230,000
+/- 91,230,000

Liabilities & Shareholders' Equity

Total Current Liabilities-
Long-term Liabilities-
Total Stockholder Equity25,190,000
Total Current Liabilities
Total Current Liabilities  (as reported)0
Total Current Liabilities  (calculated)0
+/-0
Long-term Liabilities
Long-term Liabilities  (as reported)0
Long-term Liabilities  (calculated)0
+/-0
Total Stockholder Equity
Retained Earnings 16,238,000
Total Stockholder Equity (as reported)25,190,000
Total Stockholder Equity (calculated)16,238,000
+/- 8,952,000
Other
Capital Stock1,462,000
Common Stock Shares Outstanding 396,563
Net Invested Capital 53,473,000



6.2. Balance Sheets Structured

Currency in EUR. All numbers in thousands.

 Trend2025-03-312024-12-312024-09-302024-06-302024-03-312023-12-312023-09-302023-06-302023-03-312022-12-312022-09-302022-06-302022-03-312021-12-312021-09-302021-06-302021-03-312020-12-312020-09-302020-06-302020-03-312019-12-312019-09-302019-06-302019-03-312018-12-312018-09-302018-06-302018-03-312017-12-312017-09-302017-06-302017-03-312016-12-312016-09-302016-06-302016-03-312015-12-312015-09-302015-06-302015-03-312014-12-312014-09-302014-06-302014-03-312013-12-312013-09-302013-06-302013-03-312012-12-312012-09-302012-06-302012-03-312011-12-312011-09-302011-06-302011-03-312010-12-312010-09-302010-06-302010-03-312009-12-312009-09-302009-06-302009-03-312008-12-312008-09-302008-06-302008-03-312007-12-312007-09-302007-06-302007-03-312006-12-312006-09-302006-06-302006-03-312005-12-312005-09-302005-06-302005-03-312004-12-312004-09-302004-06-302004-03-312003-12-312003-06-302002-12-312002-06-302001-12-312001-06-302000-06-30
> Total Assets 
175,563,300
209,067,000
228,076,604
225,296,000
221,731,000
214,723,000
225,587,000
241,572,000
241,236,000
240,829,000
249,234,000
296,208,000
305,557,000
315,769,000
325,801,000
319,989,000
320,376,000
322,647,000
325,400,000
338,392,000
344,169,000
350,327,000
355,597,000
358,170,000
377,351,000
383,576,000
355,317,000
347,400,000
344,415,000
334,219,000
324,231,000
340,128,000
350,232,000
328,590,000
320,823,000
322,493,000
312,899,000
305,109,000
285,382,000
290,635,000
285,848,000
270,010,000
256,886,000
258,567,000
253,297,000
250,260,000
241,306,000
246,179,000
252,768,000
251,612,000
245,174,000
258,396,000
256,654,000
257,632,000
252,356,000
261,551,000
265,681,000
266,016,000
275,200,000
287,293,000
296,479,000
296,885,000
292,342,000
304,022,000
301,934,000
304,740,000
283,808,000
292,332,000
289,548,000
294,830,000
290,735,000
301,451,000
317,388,000
321,193,000
320,743,000
351,818,000
368,596,000
354,336,000
340,346,000
369,903,000
369,807,000
363,528,000
355,872,000
347,355,000
368,077,000
358,453,000
346,921,000
359,477,000
361,945,000
353,261,000
373,048,000
380,313,000
380,313,000373,048,000353,261,000361,945,000359,477,000346,921,000358,453,000368,077,000347,355,000355,872,000363,528,000369,807,000369,903,000340,346,000354,336,000368,596,000351,818,000320,743,000321,193,000317,388,000301,451,000290,735,000294,830,000289,548,000292,332,000283,808,000304,740,000301,934,000304,022,000292,342,000296,885,000296,479,000287,293,000275,200,000266,016,000265,681,000261,551,000252,356,000257,632,000256,654,000258,396,000245,174,000251,612,000252,768,000246,179,000241,306,000250,260,000253,297,000258,567,000256,886,000270,010,000285,848,000290,635,000285,382,000305,109,000312,899,000322,493,000320,823,000328,590,000350,232,000340,128,000324,231,000334,219,000344,415,000347,400,000355,317,000383,576,000377,351,000358,170,000355,597,000350,327,000344,169,000338,392,000325,400,000322,647,000320,376,000319,989,000325,801,000315,769,000305,557,000296,208,000249,234,000240,829,000241,236,000241,572,000225,587,000214,723,000221,731,000225,296,000228,076,604209,067,000175,563,300
   > Total Current Assets 
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
9,487,000
176,372,000
179,968,000
167,716,000
17,987,000
163,910,000
7,973,000
10,906,000
8,150,000
10,235,000
6,142,000
3,841,000
4,867,000
5,235,000
4,742,000
6,509,000
4,763,000
6,930,000
9,073,000
11,275,000
9,356,000
9,132,000
7,968,000
8,924,000
11,009,000
9,574,000
8,891,000
16,765,000
23,898,000
24,699,000
36,356,000
41,399,000
33,933,000
36,442,000
35,621,000
36,878,000
22,941,000
21,300,000
10,037,000
9,664,000
10,299,000
9,181,000
25,267,000
29,792,000
26,321,000
56,708,000
69,928,000
58,299,000
42,805,000
67,880,000
55,966,000
52,426,000
54,245,000
41,254,000
56,411,000
44,847,000
37,210,000
78,519,000
77,941,000
66,370,000
76,727,000
0
076,727,00066,370,00077,941,00078,519,00037,210,00044,847,00056,411,00041,254,00054,245,00052,426,00055,966,00067,880,00042,805,00058,299,00069,928,00056,708,00026,321,00029,792,00025,267,0009,181,00010,299,0009,664,00010,037,00021,300,00022,941,00036,878,00035,621,00036,442,00033,933,00041,399,00036,356,00024,699,00023,898,00016,765,0008,891,0009,574,00011,009,0008,924,0007,968,0009,132,0009,356,00011,275,0009,073,0006,930,0004,763,0006,509,0004,742,0005,235,0004,867,0003,841,0006,142,00010,235,0008,150,00010,906,0007,973,000163,910,00017,987,000167,716,000179,968,000176,372,0009,487,000000000000000000000000000000000
       Cash And Cash Equivalents 
0
1,034,000
5,765,335
0
3,530,000
0
6,012,000
0
0
0
4,859,000
1,587,000
1,692,000
1,742,000
6,252,000
1,627,000
2,064,000
1,789,000
6,953,000
3,208,000
3,667,000
4,478,000
35,301,000
4,165,000
3,966,000
8,043,000
25,345,000
8,338,000
8,551,000
7,625,000
7,276,000
9,048,000
16,214,000
6,749,000
15,305,000
13,266,000
7,973,000
10,906,000
6,228,000
10,235,000
6,142,000
3,841,000
4,438,000
5,235,000
4,742,000
6,509,000
4,391,000
6,930,000
6,047,000
8,245,000
5,784,000
5,798,000
4,453,000
5,344,000
7,254,000
6,000,000
5,184,000
13,329,000
20,306,000
21,070,000
32,546,000
37,738,000
29,901,000
32,642,000
31,346,000
32,893,000
18,700,000
16,967,000
8,046,000
7,758,000
8,368,000
7,489,000
23,578,000
28,227,000
24,594,000
55,074,000
68,034,000
56,319,000
40,663,000
65,650,000
53,360,000
49,759,000
51,435,000
38,729,000
53,830,000
42,373,000
34,530,000
45,236,000
39,961,000
27,853,000
46,834,000
29,617,000
29,617,00046,834,00027,853,00039,961,00045,236,00034,530,00042,373,00053,830,00038,729,00051,435,00049,759,00053,360,00065,650,00040,663,00056,319,00068,034,00055,074,00024,594,00028,227,00023,578,0007,489,0008,368,0007,758,0008,046,00016,967,00018,700,00032,893,00031,346,00032,642,00029,901,00037,738,00032,546,00021,070,00020,306,00013,329,0005,184,0006,000,0007,254,0005,344,0004,453,0005,798,0005,784,0008,245,0006,047,0006,930,0004,391,0006,509,0004,742,0005,235,0004,438,0003,841,0006,142,00010,235,0006,228,00010,906,0007,973,00013,266,00015,305,0006,749,00016,214,0009,048,0007,276,0007,625,0008,551,0008,338,00025,345,0008,043,0003,966,0004,165,00035,301,0004,478,0003,667,0003,208,0006,953,0001,789,0002,064,0001,627,0006,252,0001,742,0001,692,0001,587,0004,859,0000006,012,00003,530,00005,765,3351,034,0000
       Short-term Investments 
0
0
0
0
0
0
0
0
0
0
0
0
0
0
2,649,000
2,816,000
2,633,000
2,212,000
1,727,000
0
711,000
31,711,000
8,000
16,467,000
16,811,000
18,268,000
15,059,000
8,955,000
8,955,000
16,663,000
12,593,000
15,992,000
17,742,000
10,737,000
11,770,000
16,791,000
14,651,000
14,626,000
0
10,105,000
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
28,524,000
25,356,000
28,108,000
21,133,000
28,209,000
28,233,000
30,072,000
25,596,000
0
0
0
0
0
0
0
0
0
0
0
-8,000
0
0
0
0
30,693,000
35,190,000
35,928,000
27,006,000
0
027,006,00035,928,00035,190,00030,693,0000000-8,0000000000000025,596,00030,072,00028,233,00028,209,00021,133,00028,108,00025,356,00028,524,0000000000000000000000000010,105,000014,626,00014,651,00016,791,00011,770,00010,737,00017,742,00015,992,00012,593,00016,663,0008,955,0008,955,00015,059,00018,268,00016,811,00016,467,0008,00031,711,000711,00001,727,0002,212,0002,633,0002,816,0002,649,00000000000000000
       Net Receivables 
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
2,211,000
167,324,000
163,754,000
160,967,000
2,682,000
150,644,000
0
0
1,922,000
0
0
0
429,000
0
0
0
372,000
0
3,026,000
3,030,000
3,572,000
3,334,000
3,515,000
3,580,000
3,755,000
3,574,000
3,707,000
3,436,000
3,592,000
3,629,000
3,810,000
3,661,000
4,032,000
3,800,000
4,275,000
3,985,000
4,241,000
4,333,000
1,991,000
1,906,000
1,931,000
1,692,000
1,689,000
1,565,000
1,727,000
1,634,000
1,894,000
1,980,000
2,142,000
2,230,000
2,606,000
2,667,000
2,818,000
2,525,000
2,581,000
2,474,000
2,680,000
2,590,000
2,790,000
2,589,000
2,887,000
0
02,887,0002,589,0002,790,0002,590,0002,680,0002,474,0002,581,0002,525,0002,818,0002,667,0002,606,0002,230,0002,142,0001,980,0001,894,0001,634,0001,727,0001,565,0001,689,0001,692,0001,931,0001,906,0001,991,0004,333,0004,241,0003,985,0004,275,0003,800,0004,032,0003,661,0003,810,0003,629,0003,592,0003,436,0003,707,0003,574,0003,755,0003,580,0003,515,0003,334,0003,572,0003,030,0003,026,0000372,000000429,0000001,922,00000150,644,0002,682,000160,967,000163,754,000167,324,0002,211,000000000000000000000000000000000
       Other Current Assets 
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
8,000
24,000
24,000
31,000
21,000
13,000
13,000
960,000
14,000
13,000
10,000
0
29,000
45,000
17,000
19,000
19,000
19,000
77,989,000
75,567,000
58,587,000
79,887,000
66,316,000
68,030,000
68,672,000
48,238,000
63,514,000
52,581,000
43,037,000
55,260,000
50,472,000
-2,589,000
-2,887,000
0
0-2,887,000-2,589,00050,472,00055,260,00043,037,00052,581,00063,514,00048,238,00068,672,00068,030,00066,316,00079,887,00058,587,00075,567,00077,989,00019,00019,00019,00017,00045,00029,000010,00013,00014,000960,00013,00013,00021,00031,00024,00024,0008,0000000000000000000000000000000000000000000000000000000000000
   > Long-term Assets 
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
126,780,000
156,845,000
148,344,000
139,443,000
111,295,000
129,295,000
124,486,000
118,403,000
86,718,000
103,398,000
102,733,000
104,943,000
84,598,000
80,857,000
79,545,000
77,524,000
77,661,000
78,510,000
81,384,000
82,562,000
84,188,000
87,261,000
83,143,000
83,493,000
84,894,000
85,853,000
86,883,000
85,213,000
85,782,000
83,422,000
81,709,000
79,592,000
77,843,000
77,301,000
76,842,000
74,245,000
74,170,000
93,955,000
75,995,000
78,715,000
77,394,000
82,991,000
86,438,000
86,066,000
85,035,000
84,571,000
82,519,000
78,019,000
78,810,000
77,378,000
77,240,000
77,903,000
77,553,000
79,360,000
81,495,000
81,648,000
83,489,000
280,958,000
284,004,000
286,891,000
296,321,000
0
0296,321,000286,891,000284,004,000280,958,00083,489,00081,648,00081,495,00079,360,00077,553,00077,903,00077,240,00077,378,00078,810,00078,019,00082,519,00084,571,00085,035,00086,066,00086,438,00082,991,00077,394,00078,715,00075,995,00093,955,00074,170,00074,245,00076,842,00077,301,00077,843,00079,592,00081,709,00083,422,00085,782,00085,213,00086,883,00085,853,00084,894,00083,493,00083,143,00087,261,00084,188,00082,562,00081,384,00078,510,00077,661,00077,524,00079,545,00080,857,00084,598,000104,943,000102,733,000103,398,00086,718,000118,403,000124,486,000129,295,000111,295,000139,443,000148,344,000156,845,000126,780,000000000000000000000000000000000
       Property Plant Equipment 
1,602,900
1,979,000
2,091,340
2,408,000
2,147,000
2,667,000
2,150,000
2,730,000
2,786,000
2,736,000
2,194,000
2,247,000
2,295,000
2,353,000
2,120,000
2,035,000
1,858,000
1,901,000
1,906,000
1,886,000
2,017,000
2,155,000
2,234,000
2,795,000
2,935,000
3,160,000
2,964,000
2,908,000
2,956,000
2,937,000
2,890,000
2,888,000
2,651,000
2,671,000
2,693,000
2,660,000
2,647,000
2,618,000
2,651,000
2,638,000
2,526,000
2,590,000
2,580,000
2,539,000
2,534,000
2,494,000
2,467,000
2,424,000
2,260,000
2,254,000
2,278,000
2,252,000
2,248,000
2,280,000
2,297,000
2,315,000
2,343,000
2,392,000
2,449,000
2,512,000
2,541,000
2,548,000
2,722,000
3,245,000
3,314,000
3,314,000
2,737,000
3,615,000
3,742,000
3,752,000
3,248,000
3,710,000
3,653,000
3,602,000
3,136,000
3,669,000
3,646,000
3,580,000
3,049,000
3,577,000
3,505,000
3,483,000
2,989,000
3,516,000
3,576,000
3,604,000
3,702,000
3,751,000
3,879,000
3,894,000
3,981,000
4,003,000
4,003,0003,981,0003,894,0003,879,0003,751,0003,702,0003,604,0003,576,0003,516,0002,989,0003,483,0003,505,0003,577,0003,049,0003,580,0003,646,0003,669,0003,136,0003,602,0003,653,0003,710,0003,248,0003,752,0003,742,0003,615,0002,737,0003,314,0003,314,0003,245,0002,722,0002,548,0002,541,0002,512,0002,449,0002,392,0002,343,0002,315,0002,297,0002,280,0002,248,0002,252,0002,278,0002,254,0002,260,0002,424,0002,467,0002,494,0002,534,0002,539,0002,580,0002,590,0002,526,0002,638,0002,651,0002,618,0002,647,0002,660,0002,693,0002,671,0002,651,0002,888,0002,890,0002,937,0002,956,0002,908,0002,964,0003,160,0002,935,0002,795,0002,234,0002,155,0002,017,0001,886,0001,906,0001,901,0001,858,0002,035,0002,120,0002,353,0002,295,0002,247,0002,194,0002,736,0002,786,0002,730,0002,150,0002,667,0002,147,0002,408,0002,091,3401,979,0001,602,900
       Goodwill 
0
0
0
0
386,000
0
538,000
0
0
0
555,000
0
0
0
1,260,000
0
0
0
1,692,000
0
0
0
3,094,000
0
0
0
3,479,000
0
0
0
2,918,000
0
0
0
1,861,000
0
0
0
1,502,000
0
0
0
987,000
0
0
0
950,000
0
0
0
933,000
0
0
0
594,000
0
0
0
597,000
0
0
0
719,000
0
0
0
719,000
0
0
0
877,000
0
0
0
845,000
0
0
0
913,000
0
0
0
1,346,000
0
0
0
1,240,000
0
0
0
1,221,000
0
01,221,0000001,240,0000001,346,000000913,000000845,000000877,000000719,000000719,000000597,000000594,000000933,000000950,000000987,0000001,502,0000001,861,0000002,918,0000003,479,0000003,094,0000001,692,0000001,260,000000555,000000538,0000386,0000000
       Long Term Investments 
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
71,030,000
70,754,000
69,042,000
67,666,000
65,400,000
65,153,000
64,537,000
62,394,000
63,432,000
89,005,000
70,694,000
73,396,000
72,506,000
77,687,000
81,119,000
80,783,000
80,348,000
79,313,000
77,217,000
72,708,000
74,012,000
72,050,000
71,962,000
72,177,000
71,662,000
73,438,000
75,449,000
75,605,000
77,432,000
77,651,000
77,803,000
79,002,000
84,534,000
87,227,000
87,227,00084,534,00079,002,00077,803,00077,651,00077,432,00075,605,00075,449,00073,438,00071,662,00072,177,00071,962,00072,050,00074,012,00072,708,00077,217,00079,313,00080,348,00080,783,00081,119,00077,687,00072,506,00073,396,00070,694,00089,005,00063,432,00062,394,00064,537,00065,153,00065,400,00067,666,00069,042,00070,754,00071,030,0000000000000000000000000000000000000000000000000000000000000
       Intangible Assets 
233,700
255,000
289,666
103,000
643,000
95,000
748,000
239,000
228,000
222,000
763,000
1,379,000
1,386,000
1,428,000
1,283,000
1,794,000
1,839,000
1,852,000
1,988,000
2,071,000
2,270,000
3,030,000
3,501,000
3,539,000
3,813,000
4,084,000
3,866,000
3,730,000
3,715,000
3,670,000
398,000
3,346,000
2,316,000
2,294,000
395,000
2,269,000
2,251,000
2,107,000
396,000
1,822,000
1,358,000
1,364,000
341,000
1,289,000
1,282,000
1,284,000
339,000
1,271,000
1,274,000
1,266,000
325,000
1,277,000
1,272,000
1,292,000
365,000
965,000
970,000
988,000
402,000
1,008,000
1,152,000
1,164,000
486,000
1,219,000
1,228,000
1,264,000
611,000
1,335,000
1,559,000
1,567,000
763,000
1,594,000
1,666,000
1,681,000
706,000
1,589,000
1,656,000
1,731,000
836,000
1,751,000
1,773,000
2,243,000
985,000
2,406,000
2,470,000
2,439,000
1,115,000
2,360,000
2,412,000
0
1,254,000
0
01,254,00002,412,0002,360,0001,115,0002,439,0002,470,0002,406,000985,0002,243,0001,773,0001,751,000836,0001,731,0001,656,0001,589,000706,0001,681,0001,666,0001,594,000763,0001,567,0001,559,0001,335,000611,0001,264,0001,228,0001,219,000486,0001,164,0001,152,0001,008,000402,000988,000970,000965,000365,0001,292,0001,272,0001,277,000325,0001,266,0001,274,0001,271,000339,0001,284,0001,282,0001,289,000341,0001,364,0001,358,0001,822,000396,0002,107,0002,251,0002,269,000395,0002,294,0002,316,0003,346,000398,0003,670,0003,715,0003,730,0003,866,0004,084,0003,813,0003,539,0003,501,0003,030,0002,270,0002,071,0001,988,0001,852,0001,839,0001,794,0001,283,0001,428,0001,386,0001,379,000763,000222,000228,000239,000748,00095,000643,000103,000289,666255,000233,700
       Earning Assets 
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
117,931,000
113,477,000
120,408,000
120,809,000
121,119,000
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
000000000000000000121,119,000120,809,000120,408,000113,477,000117,931,000000000000000000000000000000000000000000000000000000000000000000000000
       Long-term Assets Other 
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
-126,780,000
-156,845,000
-148,344,000
-139,443,000
-111,295,000
-129,295,000
-124,486,000
-118,403,000
-86,718,000
-103,398,000
-102,733,000
-104,943,000
-84,598,000
-80,857,000
-79,545,000
-77,524,000
-77,661,000
-78,510,000
-81,384,000
-82,562,000
-84,188,000
-87,261,000
-83,143,000
-83,493,000
-84,894,000
-85,853,000
-86,883,000
-85,213,000
-85,782,000
-83,422,000
-81,709,000
-79,592,000
-77,843,000
-77,301,000
-76,842,000
-74,245,000
-74,170,000
-93,955,000
-75,995,000
-78,715,000
-77,394,000
-82,991,000
-86,438,000
-86,066,000
-85,035,000
-1,409,000
-1,300,000
-1,133,000
-1,117,000
-1,158,000
-1,040,000
-1,139,000
-567,000
-932,000
-858,000
-780,000
-724,000
277,035,000
280,860,000
283,522,000
291,804,000
0
0291,804,000283,522,000280,860,000277,035,000-724,000-780,000-858,000-932,000-567,000-1,139,000-1,040,000-1,158,000-1,117,000-1,133,000-1,300,000-1,409,000-85,035,000-86,066,000-86,438,000-82,991,000-77,394,000-78,715,000-75,995,000-93,955,000-74,170,000-74,245,000-76,842,000-77,301,000-77,843,000-79,592,000-81,709,000-83,422,000-85,782,000-85,213,000-86,883,000-85,853,000-84,894,000-83,493,000-83,143,000-87,261,000-84,188,000-82,562,000-81,384,000-78,510,000-77,661,000-77,524,000-79,545,000-80,857,000-84,598,000-104,943,000-102,733,000-103,398,000-86,718,000-118,403,000-124,486,000-129,295,000-111,295,000-139,443,000-148,344,000-156,845,000-126,780,000000000000000000000000000000000
> Total Liabilities 
167,816,800
200,954,000
218,005,201
214,725,000
211,335,000
203,822,000
214,614,000
230,236,000
229,552,000
228,843,000
237,209,000
281,263,000
289,500,000
298,847,000
308,334,000
303,230,000
303,820,000
304,803,000
306,947,000
320,533,000
325,835,000
331,859,000
337,110,000
341,505,000
360,771,000
368,159,000
339,942,000
336,086,000
328,379,000
317,282,000
307,054,000
321,913,000
332,434,000
309,810,000
302,149,000
303,961,000
293,879,000
287,758,000
268,611,000
272,664,000
269,131,000
252,343,000
240,926,000
242,194,000
237,319,000
235,678,000
226,793,000
230,457,000
237,052,000
235,375,000
228,653,000
241,072,000
239,677,000
240,211,000
236,545,000
245,818,000
249,448,000
249,482,000
257,843,000
269,388,000
278,414,000
278,482,000
273,540,000
285,502,000
282,917,000
285,464,000
264,176,000
272,908,000
270,249,000
275,246,000
270,370,000
281,729,000
297,177,000
300,309,000
299,212,000
329,550,000
345,496,000
330,739,000
317,268,000
346,793,000
349,567,000
343,488,000
335,063,000
20,870,000
23,743,000
25,683,000
26,143,000
335,562,000
339,008,000
329,963,000
348,735,000
355,123,000
355,123,000348,735,000329,963,000339,008,000335,562,00026,143,00025,683,00023,743,00020,870,000335,063,000343,488,000349,567,000346,793,000317,268,000330,739,000345,496,000329,550,000299,212,000300,309,000297,177,000281,729,000270,370,000275,246,000270,249,000272,908,000264,176,000285,464,000282,917,000285,502,000273,540,000278,482,000278,414,000269,388,000257,843,000249,482,000249,448,000245,818,000236,545,000240,211,000239,677,000241,072,000228,653,000235,375,000237,052,000230,457,000226,793,000235,678,000237,319,000242,194,000240,926,000252,343,000269,131,000272,664,000268,611,000287,758,000293,879,000303,961,000302,149,000309,810,000332,434,000321,913,000307,054,000317,282,000328,379,000336,086,000339,942,000368,159,000360,771,000341,505,000337,110,000331,859,000325,835,000320,533,000306,947,000304,803,000303,820,000303,230,000308,334,000298,847,000289,500,000281,263,000237,209,000228,843,000229,552,000230,236,000214,614,000203,822,000211,335,000214,725,000218,005,201200,954,000167,816,800
   > Total Current Liabilities 
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
687,000
0
0
0
479,000
0
0
0
362,000
0
0
0
394,000
213,191,000
222,179,000
224,065,000
515,000
229,374,000
226,140,000
229,263,000
371,000
217,158,000
213,913,000
217,377,000
383,000
225,598,000
240,611,000
243,687,000
416,000
201,520,000
211,562,000
207,218,000
202,428,000
222,172,000
228,726,000
225,603,000
240,393,000
225,030,000
222,080,000
202,108,000
191,799,000
250,508,000
260,766,000
248,211,000
256,860,000
0
0256,860,000248,211,000260,766,000250,508,000191,799,000202,108,000222,080,000225,030,000240,393,000225,603,000228,726,000222,172,000202,428,000207,218,000211,562,000201,520,000416,000243,687,000240,611,000225,598,000383,000217,377,000213,913,000217,158,000371,000229,263,000226,140,000229,374,000515,000224,065,000222,179,000213,191,000394,000000362,000000479,000000687,0000000000000000000000000000000000000000000000000
       Short-term Debt 
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
26,260,000
25,346,000
25,917,000
24,938,000
23,771,000
41,363,000
38,382,000
0
0
0
0
0
0
0
0
0
0
12,668,000
16,596,000
9,365,000
3,293,000
17,484,000
14,099,000
14,557,000
11,091,000
6,668,000
21,600,000
15,040,000
5,235,000
13,010,000
6,999,000
0
0
0
0006,999,00013,010,0005,235,00015,040,00021,600,0006,668,00011,091,00014,557,00014,099,00017,484,0003,293,0009,365,00016,596,00012,668,000000000000038,382,00041,363,00023,771,00024,938,00025,917,00025,346,00026,260,0000000000000000000000000000000000000000000000000000000000000
       Short Long Term Debt 
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
26,260,000
25,346,000
25,917,000
24,938,000
23,771,000
41,363,000
38,382,000
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
00000000000000000000000000038,382,00041,363,00023,771,00024,938,00025,917,00025,346,00026,260,0000000000000000000000000000000000000000000000000000000000000
       Accounts payable 
0
0
91,489
0
151,000
0
130,000
0
0
0
166,000
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
192,184,000
203,709,000
212,368,000
215,434,000
210,375,000
203,191,000
204,133,000
208,450,000
200,561,000
206,203,000
202,521,000
205,833,000
203,448,000
210,749,000
229,181,000
228,538,000
231,013,000
252,276,000
265,665,000
253,160,000
244,028,000
253,075,000
259,505,000
260,604,000
258,608,000
0
257,184,000
251,189,000
0
0
0
0
0
0
000000251,189,000257,184,0000258,608,000260,604,000259,505,000253,075,000244,028,000253,160,000265,665,000252,276,000231,013,000228,538,000229,181,000210,749,000203,448,000205,833,000202,521,000206,203,000200,561,000208,450,000204,133,000203,191,000210,375,000215,434,000212,368,000203,709,000192,184,00000000000000000000000000000000000000000000000000166,000000130,0000151,000091,48900
       Other Current Liabilities 
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
-379,000
-379,000
-539,000
-661,000
-345,000
-340,000
-221,000
-237,000
-255,000
-563,000
-171,000
-158,000
-192,000
-160,000
-137,000
-157,000
-109,000
-172,000
-122,000
-144,000
-98,000
-165,000
-143,000
-153,000
-109,000
-129,000
-125,000
-176,000
-188,000
-253,000
-205,000
-202,000
-148,000
-195,000
-94,000
-114,000
-133,000
-160,000
-51,000
-56,000
-98,000
-166,000
-57,000
-65,000
-79,000
-83,000
-56,000
-9,425,000
-87,000
-152,000
-75,000
-85,000
-150,000
-125,000
-77,000
-91,000
-99,000
250,378,000
260,693,000
248,127,000
256,739,000
0
0256,739,000248,127,000260,693,000250,378,000-99,000-91,000-77,000-125,000-150,000-85,000-75,000-152,000-87,000-9,425,000-56,000-83,000-79,000-65,000-57,000-166,000-98,000-56,000-51,000-160,000-133,000-114,000-94,000-195,000-148,000-202,000-205,000-253,000-188,000-176,000-125,000-129,000-109,000-153,000-143,000-165,000-98,000-144,000-122,000-172,000-109,000-157,000-137,000-160,000-192,000-158,000-171,000-563,000-255,000-237,000-221,000-340,000-345,000-661,000-539,000-379,000-379,000000000000000000000000000000000
   > Long-term Liabilities 
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
307,054,000
0
0
0
302,149,000
0
0
0
268,611,000
0
0
252,343,000
240,926,000
242,194,000
237,319,000
235,678,000
226,793,000
230,457,000
237,052,000
235,375,000
228,653,000
241,072,000
239,677,000
240,211,000
236,545,000
245,818,000
249,448,000
249,482,000
257,843,000
269,388,000
278,414,000
278,482,000
273,540,000
285,502,000
282,917,000
285,464,000
264,176,000
272,908,000
270,249,000
275,246,000
270,370,000
281,729,000
297,177,000
300,309,000
299,212,000
329,550,000
345,496,000
330,739,000
317,268,000
346,793,000
349,567,000
343,488,000
335,063,000
20,870,000
23,743,000
25,683,000
26,143,000
85,054,000
78,242,000
81,752,000
91,875,000
0
091,875,00081,752,00078,242,00085,054,00026,143,00025,683,00023,743,00020,870,000335,063,000343,488,000349,567,000346,793,000317,268,000330,739,000345,496,000329,550,000299,212,000300,309,000297,177,000281,729,000270,370,000275,246,000270,249,000272,908,000264,176,000285,464,000282,917,000285,502,000273,540,000278,482,000278,414,000269,388,000257,843,000249,482,000249,448,000245,818,000236,545,000240,211,000239,677,000241,072,000228,653,000235,375,000237,052,000230,457,000226,793,000235,678,000237,319,000242,194,000240,926,000252,343,00000268,611,000000302,149,000000307,054,000000000000000000000000000000000
       Long term Debt Total 
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
19,315,000
18,430,000
18,554,000
18,846,000
19,193,000
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
00000000000000000019,193,00018,846,00018,554,00018,430,00019,315,000000000000000000000000000000000000000000000000000000000000000000000000
> Total Stockholder Equity
5,936,000
6,069,000
7,852,280
8,449,000
8,429,000
9,000,000
9,148,000
9,523,000
10,001,000
10,322,000
10,519,000
13,315,000
14,382,000
15,227,000
15,751,000
15,365,000
15,198,000
16,594,000
17,219,000
16,632,000
17,201,000
17,316,000
17,348,000
15,554,000
15,459,000
14,254,000
14,210,000
10,136,000
14,888,000
16,416,000
16,662,000
17,677,000
17,259,000
18,245,000
18,147,000
18,012,000
18,500,000
16,834,000
16,255,000
17,449,000
16,188,000
17,128,000
15,598,000
16,005,000
15,620,000
14,228,000
14,159,000
15,368,000
15,719,000
16,240,000
16,524,000
17,327,000
16,977,000
17,421,000
15,811,000
15,733,000
16,233,000
16,534,000
17,357,000
17,905,000
18,065,000
18,403,000
18,802,000
18,520,000
19,017,000
19,276,000
19,632,000
19,424,000
19,299,000
19,584,000
20,365,000
19,722,000
20,211,000
20,884,000
21,531,000
22,268,000
23,100,000
23,597,000
23,078,000
23,110,000
20,240,000
20,040,000
20,809,000
23,142,000
22,854,000
23,864,000
24,261,000
23,915,000
22,936,000
23,298,000
24,313,000
25,190,000
25,190,00024,313,00023,298,00022,936,00023,915,00024,261,00023,864,00022,854,00023,142,00020,809,00020,040,00020,240,00023,110,00023,078,00023,597,00023,100,00022,268,00021,531,00020,884,00020,211,00019,722,00020,365,00019,584,00019,299,00019,424,00019,632,00019,276,00019,017,00018,520,00018,802,00018,403,00018,065,00017,905,00017,357,00016,534,00016,233,00015,733,00015,811,00017,421,00016,977,00017,327,00016,524,00016,240,00015,719,00015,368,00014,159,00014,228,00015,620,00016,005,00015,598,00017,128,00016,188,00017,449,00016,255,00016,834,00018,500,00018,012,00018,147,00018,245,00017,259,00017,677,00016,662,00016,416,00014,888,00010,136,00014,210,00014,254,00015,459,00015,554,00017,348,00017,316,00017,201,00016,632,00017,219,00016,594,00015,198,00015,365,00015,751,00015,227,00014,382,00013,315,00010,519,00010,322,00010,001,0009,523,0009,148,0009,000,0008,429,0008,449,0007,852,2806,069,0005,936,000
   Common Stock
0
0
590,388
0
591,000
0
608,000
0
0
0
608,000
0
0
0
1,234,000
0
0
0
1,235,000
1,235,000
1,235,000
1,235,000
1,235,000
1,235,000
1,235,000
1,235,000
1,244,000
1,244,000
1,244,000
1,244,000
1,245,000
1,245,000
10,259,000
1,245,000
1,245,000
1,245,000
1,245,000
1,245,000
1,245,000
1,245,000
1,245,000
10,629,000
1,450,000
1,450,000
1,450,000
1,450,000
1,452,000
1,452,000
1,452,000
1,452,000
1,453,000
1,453,000
1,453,000
1,453,000
1,454,000
1,454,000
1,454,000
1,454,000
1,455,000
1,455,000
1,455,000
1,455,000
1,456,000
1,456,000
1,456,000
1,456,000
1,457,000
1,457,000
1,457,000
1,457,000
1,458,000
1,458,000
1,458,000
1,458,000
1,459,000
1,459,000
1,459,000
1,459,000
1,460,000
1,460,000
1,460,000
1,460,000
1,461,000
1,461,000
1,461,000
1,461,000
1,461,000
1,461,000
1,461,000
1,461,000
1,462,000
0
01,462,0001,461,0001,461,0001,461,0001,461,0001,461,0001,461,0001,461,0001,461,0001,460,0001,460,0001,460,0001,460,0001,459,0001,459,0001,459,0001,459,0001,458,0001,458,0001,458,0001,458,0001,457,0001,457,0001,457,0001,457,0001,456,0001,456,0001,456,0001,456,0001,455,0001,455,0001,455,0001,455,0001,454,0001,454,0001,454,0001,454,0001,453,0001,453,0001,453,0001,453,0001,452,0001,452,0001,452,0001,452,0001,450,0001,450,0001,450,0001,450,00010,629,0001,245,0001,245,0001,245,0001,245,0001,245,0001,245,0001,245,0001,245,00010,259,0001,245,0001,245,0001,244,0001,244,0001,244,0001,244,0001,235,0001,235,0001,235,0001,235,0001,235,0001,235,0001,235,0001,235,0000001,234,000000608,000000608,0000591,0000590,38800
   Retained Earnings Total Equity00000000000000000000000000000000000000000000000000000000000000000000000000000000000000000000
   Accumulated Other Comprehensive Income 
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
9,167,000
8,780,000
7,388,000
7,303,000
8,512,000
8,862,000
9,384,000
9,650,000
10,454,000
10,103,000
3,618,000
8,920,000
1,686,000
1,477,000
1,568,000
10,449,000
1,629,000
1,703,000
1,784,000
1,784,000
1,211,000
2,031,000
2,046,000
1,795,000
1,172,000
1,357,000
1,458,000
1,536,000
902,000
1,198,000
1,161,000
1,413,000
6,973,000
334,000
245,000
317,000
-204,000
-596,000
-1,161,000
-1,095,000
1,127,000
1,140,000
1,087,000
1,166,000
1,158,000
1,184,000
0
0
0
0001,184,0001,158,0001,166,0001,087,0001,140,0001,127,000-1,095,000-1,161,000-596,000-204,000317,000245,000334,0006,973,0001,413,0001,161,0001,198,000902,0001,536,0001,458,0001,357,0001,172,0001,795,0002,046,0002,031,0001,211,0001,784,0001,784,0001,703,0001,629,00010,449,0001,568,0001,477,0001,686,0008,920,0003,618,00010,103,00010,454,0009,650,0009,384,0008,862,0008,512,0007,303,0007,388,0008,780,0009,167,0000000000000000000000000000000000000000000000
   Capital Surplus 00000000000000000000000000000000000000000000000000000000000000000000000000000000000000000000
   Treasury Stock000000000000000000-1,000-1,000-1,000-2,000-2,000000-4,000-163,000-4,000-5,000-5,000-2,0000000000-1,000000000000-1,000-1,529,000-1,534,000-1,532,000-1,529,000-1,529,000-1,529,000-1,529,000-1,529,000-1,529,000-1,554,000-1,559,000-1,560,000-1,560,000-1,560,000-1,500,000-1,561,000-1,563,000-1,566,000-1,496,000-1,285,000-1,006,000-730,000-1,275,000-1,111,000-982,000-714,000-785,000000000000000000
   Other Stockholders Equity 
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
9,523,000
17,677,000
7,000,000
18,245,000
9,153,000
18,012,000
18,500,000
16,834,000
8,179,000
17,449,000
14,943,000
6,499,000
8,966,000
8,853,000
8,913,000
5,390,000
5,404,000
5,404,000
9,092,000
5,404,000
5,421,000
9,181,000
9,183,000
5,421,000
5,437,000
5,437,000
5,437,000
5,437,000
5,453,000
5,453,000
5,451,000
5,448,000
5,462,000
6,675,000
7,336,000
7,508,000
5,479,000
5,479,000
5,480,000
5,481,000
5,496,000
6,401,000
5,497,000
5,497,000
5,513,000
5,514,000
5,514,000
7,260,000
5,528,000
5,324,000
4,932,000
4,367,000
3,437,000
5,542,000
5,542,000
8,726,000
8,468,000
7,642,000
7,324,000
7,230,000
7,127,000
0
07,127,0007,230,0007,324,0007,642,0008,468,0008,726,0005,542,0005,542,0003,437,0004,367,0004,932,0005,324,0005,528,0007,260,0005,514,0005,514,0005,513,0005,497,0005,497,0006,401,0005,496,0005,481,0005,480,0005,479,0005,479,0007,508,0007,336,0006,675,0005,462,0005,448,0005,451,0005,453,0005,453,0005,437,0005,437,0005,437,0005,437,0005,421,0009,183,0009,181,0005,421,0005,404,0009,092,0005,404,0005,404,0005,390,0008,913,0008,853,0008,966,0006,499,00014,943,00017,449,0008,179,00016,834,00018,500,00018,012,0009,153,00018,245,0007,000,00017,677,0009,523,000000000000000000000000000000000



6.3. Balance Sheets

Currency in EUR. All numbers in thousands.




6.4. Cash Flows

Currency in EUR. All numbers in thousands.




6.5. Income Statements

Currency in EUR. All numbers in thousands.


6.6. Latest Income Statement

Income Statement (annual), 2024-12-31. Currency in EUR. All numbers in thousands.

Gross Profit (+$)
totalRevenue11,152,000
Cost of Revenue--
Gross Profit11,152,00011,152,000
 
Operating Income (+$)
Gross Profit11,152,000
Operating Expense-7,057,000
Operating Income4,095,0004,095,000
 
Operating Expense (+$)
Research Development-
Selling General Administrative1,273,000
Selling And Marketing Expenses111,000
Operating Expense7,057,0001,384,000
 
Net Interest Income (+$)
Interest Income19,746,000
Interest Expense-14,172,000
Other Finance Cost-0
Net Interest Income5,574,000
 
Pretax Income (+$)
Operating Income4,095,000
Net Interest Income5,574,000
Other Non-Operating Income Expenses-
Income Before Tax (EBT)3,941,0004,249,000
EBIT - interestExpense = -14,172,000
3,942,000
17,587,000
Interest Expense14,172,000
Earnings Before Interest and Taxes (EBIT)-18,113,000
Earnings Before Interest and Taxes (EBITDA)-
 
After tax Income (+$)
Income Before Tax3,941,000
Tax Provision-527,000
Net Income From Continuing Ops3,414,0003,414,000
Net Income3,415,000
Net Income Applicable To Common Shares-
 
Non-recurring Events
Discontinued Operations-
Extraordinary Items-
Effect of Accounting Charges-
Other Items-
Non Recurring-
Other Operating Expenses7,057,000
Total Other Income/Expenses Net-154,000-5,574,000
 

Technical Analysis of Kbc
The psychology behind the price

Technical indicators reflecting market sentiment and the collective psychology of you and other traders. Your emotions and other traders' emotions, such as fear and greed, play a significant role in driving price movements.

General trend

First of all, I'm going to put something in the back of your mind. One of the most stable factors that gives you more confidence as a trader: the general trend of Kbc. The general trend of Kbc is BULLISH with 100.0% confidence. It is very important for your mental being to use each indicator with this in mind. But beware, also the general trend flips once in a while! You can use moving averages to determine Kbc's overall trend. For convenience I use the most commonly used moving averages: 20, 50, 100 & 200. Of course you can use other moving averages or other indicators to determine the trend.

Indicator phases

Some of the indicators I use have 3 zones: overbought, oversold and neutral. Transitions between these zones (market phases) provide valuable trading signals and insights. Expecially with the general trend mind, I use the highlighted phases:

Indicator zone transitionsBullish trend (100.0%) Bearish trend (-100.0%)
Overbought to neutralBullish pullback=Bearish reversal
Upper to lower neutralBullish correction=Bearish continuation
Nuetral to oversoldOversold=Oversold
Oversold to neutralBullish reversal=Bearish correction
Lower to upper neutralBullish continuation=Bearish pullback
Nuetral to overboughtOverbought=Overbought

1. Kbc Price Targets

1.1 Support & Resistance

Support and resistance are levels on a price chart that act as barriers or zones where the price of an asset tends to stop, reverse, or experience a significant amount of buying or selling pressure.

Support is a price level at which demand for an asset is strong enough to prevent the price from falling further.
Resistance is a price level at which selling pressure becomes significant enough to prevent the price of an asset from rising further.


Score

Let's take a look at the Support & Resistance of KBC Groep NV.

The long score for the Support & Resistance is 0/1.
The longshort score for the Support & Resistance is -1/(-1 +1).

  • Around resistance: The price is trading arround resistance levels. This can be considered as a potential exit level. -1

The bullish price targets are: 88.10 < 88.96.

The bearish price targets are: 83.78 > 83.66 > 83.58.

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KBC Groep NV Daily Support & Resistance Chart
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2. Trend Indicators

2.1 Moving Averages

Shows the moving average of the selected period.

  • Moving averages are lagging trend indicators.
  • There are many types of moving averages.
  • Moving averages are also used within other indicators.

Score

Let's take a look at the Moving Averages of KBC Groep NV. The current mas is .

The long score for the Moving Averages is 14/14.
The longshort score for the Moving Averages is 14/(-14 +14).

  • MA 20 trending up: The MA 20 is trending up. +1
  • Close > MA 20: The price is above the MA 20. +1
  • MA 20 > MA 50: The MA 20 is higher than the MA 50. +1
  • MA 20 > MA 100: The MA 20 is higher than the MA 100. +1
  • MA 20 > MA 200: The MA 20 is higher than the MA 200. +1
  • MA 50 trending up: The MA 50 is trending up. +1
  • Close > MA 50: The price is above the MA 50. +1
  • MA 50 > MA 100: The MA 50 is higher than the MA 100. +1
  • MA 50 > MA 200: The MA 50 is higher than the MA 200. +1
  • MA 100 trending up: The MA 100 is trending up. +1
  • Close > MA 100: The price is above the MA 100. +1
  • MA 100 > MA 200: The MA 100 is higher than the MA 200. +1
  • MA 200 trending up: The MA 200 is trending up. +1
  • Close > MA 200: The price is above the MA 200. +1

Directionalities and relatives.

Moving AverageAmount of candlesTrendPrice +/-vs. MA 50vs. MA 100vs. MA 200
MA 2020
MA 5050-
MA 100100--
MA 200200---

Explanation: https://www.youtube.com/watch?v=xwW8h0lrQ-I

KBC Groep NV Daily Moving Averages Chart
2.2 Moving Average Convergence/Divergence (MACD)

Shows the momentum of the selected period based on two moving averages.

  • MACD is a lagging momentum indicator.
  • Uses two moving averages.
  • Can show buy or sell signals based on momentum.
  • Can show overbought. and oversold. levels.

Score

Let's take a look at the Moving Average Convergence/Divergence (MACD) of KBC Groep NV. The current macd is 0.68426907.

The long score for the Moving Average Convergence/Divergence (MACD) is 4/4.
The longshort score for the Moving Average Convergence/Divergence (MACD) is 4/(-4 +4).

  • MACD line > signal line: The MACD line is above the signal line, which indicates a bullish signal in the market. This means that the positive momentum is currently stronger than the average momentum, suggesting that buyers are more active than sellers, and there's a higher probability of the Kbc price going up in the near term. +2
  • MACD > 0: The MACD is above the zero line (centerline), it indicates a bullish signal for Kbc. This means that the short-term moving average is higher than the long-term moving average, signaling positive momentum and suggesting a higher likelihood of the Kbc price continuing to rise in the near future. It indicates that buyers are gaining control, and there is optimism in the market, leading to potential price increases. +1
  • Trending up: The MACD line is trending up. This indicates that the short-term moving average is rising faster than the long-term moving average, suggesting positive momentum in the market. This signals that buyers are becoming more active and confident, leading to potential price increases as traders anticipate further gains and are willing to buy at higher prices. +1
KBC Groep NV Daily Moving Average Convergence/Divergence (MACD) ChartKBC Groep NV Daily Moving Average Convergence/Divergence (MACD) Chart
2.3 Directional Movement Index (DMI)

The DMI is a collection of 3 indicators: +DI (Plus Direction Indicator), -DI (Minus Direction Indicator) and ADX (Average Directional Index). The ADX helps you determine the strength of a trend.


Score

Let's take a look at the Directional Movement Index (DMI) of KBC Groep NV. The current adx is 10.25.

The long score for the Directional Movement Index (DMI) is 2/7.
The longshort score for the Directional Movement Index (DMI) is 2/(-7 +7).

  • PLUS_ID > MINUS_DI: The +DI line is above the -DI line. This indicates a bullish signal in the market, as the positive directional movement is currently stronger than the negative directional movement, showing that buyers have the upper hand. Market psychology suggests that traders are optimistic, expecting further price increases, and are more willing to buy Kbc shares, leading to potential upward momentum in its price. +1
  • PLUS_ID > MINUS_DI && ADX < 25 && ADX trending up: The ADX is below 25 and indicates a weak or no trend. However, the ADX is rising and a new bullish trend could be forming. +1
KBC Groep NV Daily Directional Movement Index (DMI) Chart
2.4 Parabolic SAR

Shows the current trend and potential entry and exit signals.

  • Parabolic SAR (stop and reverse) is a lagging trend indicator.
  • Shows the current trend.
  • Shows potential entry signals.
  • Shows  potential exit signals.
  • Can be used to place trailing stoplosses..

Score

Let's take a look at the Parabolic SAR of KBC Groep NV. The current sar is 85.01.

The long score for the Parabolic SAR is 1/1.
The longshort score for the Parabolic SAR is 1/(-1 +1).

  • Close > SAR: The price is above the SAR. It's generally considered a bullish signal. +1
KBC Groep NV Daily Parabolic SAR Chart
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3. Momentum Indicators

3.1 Relative Strength Index (RSI)

Measures the speed and change of price movements.

  • Leading momentum indicator, meaning the signals are instant.
  • Ranges between 0 and 100.
  • Above 70 is considered overbought.
  • Below 30 is considered oversold.
  • Above or below 50 can also be used to determine price trend or support and resistance.
  • RSI divergence looks at a deviation between RSI and price movement. Penketrading automatically calculates RSI divergences.
  • Can be used in many different ways

Score

Let's take a look at the Relative Strength Index (RSI) of KBC Groep NV. The current rsi is 57.15. The current phase is Continuation in bull market.

The long score for the Relative Strength Index (RSI) is 3/13.
The longshort score for the Relative Strength Index (RSI) is 2/(-13 +13).

  • Continuation in bull market: Uptrend continues after a consolidation or pullback. Hold or add to existing positions.
  • Trending down: The RSI is trending down. -1
KBC Groep NV Daily Relative Strength Index (RSI) ChartKBC Groep NV Daily Relative Strength Index (RSI) Chart
3.2 Stochastic Oscillator

Compares a certain price to multiple prices ranging over time.

  • Leading momentum indicator, meaning the signals are instant.
  • Used to determine overbought and oversold areas much like the RSI.
  • Ranges between 0 and 100.
  • Above 80 is considered overbought.
  • Below 20 is considered oversold.
  • Consists of two lines named K and D.
  • K compares the highest high and lowest low on the selected price range.
  • The D line is a moving average of the K line.
  • Can be used to spot divergences

Score

Let's take a look at the Stochastic Oscillator of KBC Groep NV. The current phase is Overbought in bull market.

The long score for the Stochastic Oscillator is 3/6.
The longshort score for the Stochastic Oscillator is 0/(-6 +6).

  • STOCH > 50: The STOCH %K is above 50. There are more buyers than sellers. +1
  • STOCH > 80: The STOCH %K is above 80 and overbought. +2
  • STOCH %K line < STOCH %D line: The STOCH %K line is below the STOCH %D line, which indicates a bearish signal in the market. This means that the negative momentum is currently stronger than the average momentum, suggesting that sellers are more active than buyers, and there's a higher probability of the Kbc price going down in the near term. -2
  • Trending down: The STOCH %K is trending down. -1
KBC Groep NV Daily Stochastic Oscillator ChartKBC Groep NV Daily Stochastic Oscillator Chart
3.3 Commodity Channel Index (CCI)

Measures the difference between the current price and the historical average price.

  • Lagging or leading Momentum indicator
  • When the CCI is above zero, the price is above the historical average
  • When the CCI is below zero, the price is below the historical average
  • Used for spotting trends
    • If the CCI moves from negative or near zero to positive 100 that might indicate an uptrend
    • If the CCI moves from positive or near zero to negative -100 that might indicate a downtrend

Score

Let's take a look at the Commodity Channel Index (CCI) of KBC Groep NV. The current cci is 116.25.

The long score for the Commodity Channel Index (CCI) is 1/1.
The longshort score for the Commodity Channel Index (CCI) is 1/(-1 +1).

  • CCI > 100: The CCI is above 100, it indicates that the price is significantly above its average, suggesting a potential overbought condition. +1
KBC Groep NV Daily Commodity Channel Index (CCI) ChartKBC Groep NV Daily Commodity Channel Index (CCI) Chart
3.4 Chande Momentum Oscillator (CMO)

Measures the difference between the sum of recent gains and the sum of recent losses. Then divides the result by the sum of all price movements in that period.

  • Lagging momentum indicator
  • Ranges between +100 and -100
  • Considered overbought above +50
  • Considered oversold below -50
  • It's possible to add a moving average that acts as a signal line

Score

Let's take a look at the Chande Momentum Oscillator (CMO) of KBC Groep NV. The current cmo is 16.63.

The long score for the Chande Momentum Oscillator (CMO) is 1/1.
The longshort score for the Chande Momentum Oscillator (CMO) is 1/(-1 +1).

  • CMO > 0: The CMO is above 0, the momentum of the price is positive, indicating a potential uptrend in the price. +1
KBC Groep NV Daily Chande Momentum Oscillator (CMO) ChartKBC Groep NV Daily Chande Momentum Oscillator (CMO) Chart
3.5 Williams %R

 Shows the current price relative to the highest high over the last 14 days.
 

  • Lagging momentum indicator
  • Ranging between 0 and -100
  • Above -20 is considered overbought
  • Below -80 is considered oversold
  • Is prone to give false signals

Score

Let's take a look at the Williams %R of KBC Groep NV. The current willr is -15.94827586.

The long score for the Williams %R is 1/1.
The longshort score for the Williams %R is 1/(-1 +1).

  • WILLR > -20: The Williams %R is above -20. This indicates that the price is in overbought territory, suggesting a potential price correction or trend reversal to the downside. +1
KBC Groep NV Daily Williams %R ChartKBC Groep NV Daily Williams %R Chart
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4. Volatility Indicators

4.1 Bollinger Bands

Shows if the price is to high or to low relative to an average.

  • Lagging volatility indicator
  • Uses 3 bands: one upper, one lower and one in the middle
  • Works best when the middle band reflects an intermediate trend (MA20).
  • When the price is moving closer to the upper band, the market might be overbought
  • When the price is moving closer to the lower band, the market might be oversold 

Score

Let's take a look at the Bollinger Bands of KBC Groep NV.

KBC Groep NV Daily Bollinger Bands Chart
4.2 Average True Range (ATR)
Measures market volatility
  • Leading volatility indicator
  • Can be used to determine stop-loss positions
  • Calculated by:
    • Current high minus the current low
    • Current high minus the previous close
    • Current low minus the previous close
  • The larger the range of the candles, the greater the ATR value

Score

Let's take a look at the Average True Range (ATR) of KBC Groep NV. The current atr is 1.43326567.

KBC Groep NV Daily Average True Range (ATR) ChartKBC Groep NV Daily Average True Range (ATR) Chart
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5. Volume Indicators

5.1 On-Balance Volume (OBV)

 Measures market volatility

  • Leading momentum indicator
  • Calculation:
    • If the closing price is above the previous closing price: OBV = previous OBV + current volume
    • If the closing price is below the previous closing price: OBV = previous OBV - current volume
    • If the closing price is the same as the previous closing price than the OBV is the same.
  • Can be used to confirm price trends
  • Can be used with divergences

Score

Let's take a look at the On-Balance Volume (OBV) of KBC Groep NV. The current obv is 13,593,362.

KBC Groep NV Daily On-Balance Volume (OBV) ChartKBC Groep NV Daily On-Balance Volume (OBV) Chart
5.2 Money Flow Index (MFI)

Measures the flow of money in and out of a security

  • Lagging momentum indicator
  • Looks like RSI but uses volume as an extra metric (RSI only considers price)
  • Above 80 is considered overbought
  • Below 20 is considered oversold
  • Can be used with divergences

Score

Let's take a look at the Money Flow Index (MFI) of KBC Groep NV. The current mfi is 64.65.

The long score for the Money Flow Index (MFI) is 1/2.
The longshort score for the Money Flow Index (MFI) is 1/(-2 +2).

  • MFI > 50: +1
KBC Groep NV Daily Money Flow Index (MFI) ChartKBC Groep NV Daily Money Flow Index (MFI) Chart
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6. Summary

6.1. Notifications

TypeNotificationDate
PenkeCurrently no notifications for KBC Groep NV.

6.2. Trading Signals

Below you will find trading signals as the indicator is commonly used. This doesn't mean you should use it that way. Learn from these, but don't use them blindly. I recommend using at least 4 indicators, 1 from each category: trend, momentum, volatility and volume.

DateIndicatorSignal
2025-02-13ATR LONG ENTRY SHORT CLOSEPrice closed above (close + ATR).
2025-02-14STOCH LONG EXITThe %K line crosses below the %D line.
2025-02-18STOCH SHORT EXITThe %K line crosses above the %D line.
2025-02-19RSI SHORT ENTRY LONG CLOSE70 crossover to downside
STOCH LONG EXITThe %K line crosses below the %D line.
ATR SHORT ENTRY LONG CLOSEPrice closed below (close - ATR).
2025-02-21STOCH SHORT EXITThe %K line crosses above the %D line.
WILLR LONG ENTRY SHORT CLOSE-20 crossover to upside
2025-02-24STOCH LONG EXITThe %K line crosses below the %D line.
2025-02-25WILLR LONG ENTRY SHORT CLOSE-20 crossover to upside
MFI LONG ENTRY SHORT CLOSE80 crossover to upside
2025-02-26STOCH SHORT EXITThe %K line crosses above the %D line.
BB SHORT ENTRY LONG CLOSEPrice closed above the lower band.
ATR LONG ENTRY SHORT CLOSEPrice closed above (close + ATR).
2025-02-28STOCH LONG EXITThe %K line crosses below the %D line.
MFI SHORT ENTRY LONG CLOSE80 crossover to downside
2025-03-03RSI SHORT ENTRY LONG CLOSE70 crossover to downside
2025-03-04MACD SHORT ENTRY LONG CLOSEThe MACD line crosses below the signal line.
ATR SHORT ENTRY LONG CLOSEPrice closed below (close - ATR).
2025-03-05MACD LONG ENTRY SHORT CLOSEThe MACD line crosses above the signal line.
STOCH SHORT EXITThe %K line crosses above the %D line.
CCI LONG ENTRY SHORT CLOSE100 crossover to upside
WILLR LONG ENTRY SHORT CLOSE-20 crossover to upside
BB SHORT ENTRY LONG CLOSEPrice closed above the lower band.
ATR LONG ENTRY SHORT CLOSEPrice closed above (close + ATR).
2025-03-06ATR LONG ENTRY SHORT CLOSEPrice closed above (close + ATR).
2025-03-10RSI SHORT ENTRY LONG CLOSE70 crossover to downside
STOCH LONG EXITThe %K line crosses below the %D line.
ATR SHORT ENTRY LONG CLOSEPrice closed below (close - ATR).
2025-03-11MACD SHORT ENTRY LONG CLOSEThe MACD line crosses below the signal line.
2025-03-12STOCH SHORT EXITThe %K line crosses above the %D line.
BB SHORT ENTRY LONG CLOSEPrice closed above the lower band.
2025-03-13STOCH LONG EXITThe %K line crosses below the %D line.
2025-03-17STOCH SHORT EXITThe %K line crosses above the %D line.
2025-03-18CCI LONG ENTRY SHORT CLOSE100 crossover to upside
WILLR LONG ENTRY SHORT CLOSE-20 crossover to upside
ATR LONG ENTRY SHORT CLOSEPrice closed above (close + ATR).
2025-03-20STOCH LONG EXITThe %K line crosses below the %D line.
2025-03-24STOCH SHORT EXITThe %K line crosses above the %D line.
CCI LONG ENTRY SHORT CLOSE100 crossover to upside
2025-03-25MACD LONG ENTRY SHORT CLOSEThe MACD line crosses above the signal line.
2025-03-26STOCH LONG EXITThe %K line crosses below the %D line.
2025-03-27MACD SHORT ENTRY LONG CLOSEThe MACD line crosses below the signal line.
2025-03-28SAR SHORT ENTRY LONG CLOSEThe price broke the SAR to the downside
CMO SHORT ENTRY LONG CLOSEZero line crossover to downside
ATR SHORT ENTRY LONG CLOSEPrice closed below (close - ATR).
2025-03-31DMI SHORT ENTRY LONG CLOSEThe +DI crossed the -DI to the downside. The trend is reversing to a down trend.
WILLR SHORT ENTRY LONG CLOSE-80 crossover to downside
2025-04-02STOCH SHORT EXITThe %K line crosses above the %D line.
2025-04-03STOCH LONG EXITThe %K line crosses below the %D line.
CCI SHORT ENTRY LONG CLOSE-100 crossover to downside
WILLR SHORT ENTRY LONG CLOSE-80 crossover to downside
ATR SHORT ENTRY LONG CLOSEPrice closed below (close - ATR).
2025-04-04BB LONG ENTRY SHORT CLOSEPrice closed below the lower band.
ATR SHORT ENTRY LONG CLOSEPrice closed below (close - ATR).
2025-04-07STOCH SHORT EXITThe %K line crosses above the %D line.
2025-04-08RSI LONG ENTRY SHORT CLOSE30 crossover to upside
ATR LONG ENTRY SHORT CLOSEPrice closed above (close + ATR).
2025-04-09STOCH LONG EXITThe %K line crosses below the %D line.
2025-04-10SAR LONG ENTRY SHORT CLOSEThe price broke the SAR to the upside.
STOCH SHORT EXITThe %K line crosses above the %D line.
2025-04-15DMI LONG ENTRY SHORT CLOSEThe +DI crossed the -DI to the upside. The trend is reversing to an up trend.
CMO LONG ENTRY SHORT CLOSEZero line crossover to upside
2025-04-17DMI SHORT ENTRY LONG CLOSEThe +DI crossed the -DI to the downside. The trend is reversing to a down trend.
CMO SHORT ENTRY LONG CLOSEZero line crossover to downside
2025-04-22MACD LONG ENTRY SHORT CLOSEThe MACD line crosses above the signal line.
CMO LONG ENTRY SHORT CLOSEZero line crossover to upside
2025-04-23DMI LONG ENTRY SHORT CLOSEThe +DI crossed the -DI to the upside. The trend is reversing to an up trend.
WILLR LONG ENTRY SHORT CLOSE-20 crossover to upside
2025-04-29BB SHORT ENTRY LONG CLOSEPrice closed above the lower band.
2025-04-30STOCH LONG EXITThe %K line crosses below the %D line.
ATR SHORT ENTRY LONG CLOSEPrice closed below (close - ATR).
2025-05-05STOCH SHORT EXITThe %K line crosses above the %D line.
CCI LONG ENTRY SHORT CLOSE100 crossover to upside
WILLR LONG ENTRY SHORT CLOSE-20 crossover to upside
2025-05-06DMI SHORT ENTRY LONG CLOSEThe +DI crossed the -DI to the downside. The trend is reversing to a down trend.
STOCH LONG EXITThe %K line crosses below the %D line.
2025-05-08DMI LONG ENTRY SHORT CLOSEThe +DI crossed the -DI to the upside. The trend is reversing to an up trend.
STOCH SHORT EXITThe %K line crosses above the %D line.
CCI LONG ENTRY SHORT CLOSE100 crossover to upside
WILLR LONG ENTRY SHORT CLOSE-20 crossover to upside
2025-05-14BB SHORT ENTRY LONG CLOSEPrice closed above the lower band.
2025-05-15STOCH LONG EXITThe %K line crosses below the %D line.
2025-05-19STOCH SHORT EXITThe %K line crosses above the %D line.
WILLR LONG ENTRY SHORT CLOSE-20 crossover to upside
BB SHORT ENTRY LONG CLOSEPrice closed above the lower band.
ATR LONG ENTRY SHORT CLOSEPrice closed above (close + ATR).
2025-05-21RSI SHORT ENTRY LONG CLOSE70 crossover to downside
STOCH LONG EXITThe %K line crosses below the %D line.
2025-05-23SAR SHORT ENTRY LONG CLOSEThe price broke the SAR to the downside
2025-05-27STOCH SHORT EXITThe %K line crosses above the %D line.
WILLR LONG ENTRY SHORT CLOSE-20 crossover to upside
2025-05-28STOCH LONG EXITThe %K line crosses below the %D line.
2025-05-29MACD SHORT ENTRY LONG CLOSEThe MACD line crosses below the signal line.
2025-06-02STOCH SHORT EXITThe %K line crosses above the %D line.
2025-06-03STOCH LONG EXITThe %K line crosses below the %D line.
2025-06-05DMI SHORT ENTRY LONG CLOSEThe +DI crossed the -DI to the downside. The trend is reversing to a down trend.
2025-06-06DMI LONG ENTRY SHORT CLOSEThe +DI crossed the -DI to the upside. The trend is reversing to an up trend.
STOCH SHORT EXITThe %K line crosses above the %D line.
2025-06-10DMI SHORT ENTRY LONG CLOSEThe +DI crossed the -DI to the downside. The trend is reversing to a down trend.
STOCH LONG EXITThe %K line crosses below the %D line.
CMO SHORT ENTRY LONG CLOSEZero line crossover to downside
2025-06-12CCI SHORT ENTRY LONG CLOSE-100 crossover to downside
2025-06-13WILLR SHORT ENTRY LONG CLOSE-80 crossover to downside
BB LONG ENTRY SHORT CLOSEPrice closed below the lower band.
2025-06-16STOCH SHORT EXITThe %K line crosses above the %D line.
2025-06-18STOCH LONG EXITThe %K line crosses below the %D line.
2025-06-19WILLR SHORT ENTRY LONG CLOSE-80 crossover to downside
2025-06-20STOCH SHORT EXITThe %K line crosses above the %D line.
2025-06-23STOCH LONG EXITThe %K line crosses below the %D line.
CCI SHORT ENTRY LONG CLOSE-100 crossover to downside
WILLR SHORT ENTRY LONG CLOSE-80 crossover to downside
2025-06-24DMI LONG ENTRY SHORT CLOSEThe +DI crossed the -DI to the upside. The trend is reversing to an up trend.
SAR LONG ENTRY SHORT CLOSEThe price broke the SAR to the upside.
STOCH SHORT EXITThe %K line crosses above the %D line.
CMO LONG ENTRY SHORT CLOSEZero line crossover to upside
ATR LONG ENTRY SHORT CLOSEPrice closed above (close + ATR).
2025-06-26STOCH LONG EXITThe %K line crosses below the %D line.
2025-06-27STOCH SHORT EXITThe %K line crosses above the %D line.
WILLR LONG ENTRY SHORT CLOSE-20 crossover to upside
ATR LONG ENTRY SHORT CLOSEPrice closed above (close + ATR).
2025-06-30MACD LONG ENTRY SHORT CLOSEThe MACD line crosses above the signal line.
CCI LONG ENTRY SHORT CLOSE100 crossover to upside
2025-07-01STOCH LONG EXITThe %K line crosses below the %D line.
2025-07-02STOCH SHORT EXITThe %K line crosses above the %D line.
CCI LONG ENTRY SHORT CLOSE100 crossover to upside
WILLR LONG ENTRY SHORT CLOSE-20 crossover to upside
2025-07-04STOCH LONG EXITThe %K line crosses below the %D line.

6.3. Candlestick Patterns

KBC Groep NV Daily Candlestick Chart
DateCandlestick Pattern

6.4. Technical Score

Let's check the technical score of KBC Groep NV based on Penke's default Symbol scanner.

Penke's Symbol Scanner

  
  
IndicatorConditionValue
RsiGreater than5057.155
Ma 20Greater thanMa 5086.045
Ma 50Greater thanMa 10085.122
Ma 100Greater thanMa 20082.184
OpenGreater thanClose87.820
Total5/5 (100.0%)
Penke
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