Provides integrated bank-insurance services to retail, private banking, small and medium-sized enterprises (SMEs), and mid-cap clients. Now — the numbers.
This is an established company with proven profits.
Average growth of 26% a year over the last 4 years. Every year shown ended in profit.
The market pays 14.5× for every dollar of annual profit — around what a business like this usually costs.
No analyst target is on record for this company.
The stock trades near its peak today. For long-term holders the ride has paid off so far — though past performance guarantees nothing about the future.
The net profit margin is 15% — still a thick cushion, though costs have been eating into it lately.
Over the last 4 years, sales grew about 26% a year on average.
It met or beat analyst expectations in 7 of the last 8 quarters — consistency is a promise kept.
The price action doesn’t yet back an upward turn.
Against everything we grade, KBCSF lands near the bottom. A low grade doesn’t mean “doomed” — it means “big claim, small proof.”
The takeaway: KBCSF does earn real profits — but on our report card it still sits behind its class. The real debate isn’t the quality of the business — it’s whether the price paid for the stock is too high.
Not covered, because the filings we hold do not carry it: the revenue breakdown.