Power factor can also be equal to 1. Power is greatest when voltage and current are in phase; the "power factor" is used to specify how much less the power is, compared to the product of voltage x current, if they are not.
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That is true.
It SHOULD always be less than the divisor... Otherwise your answer is wrong.
What is the question for this situation
In the case of DC, and in AC when current and voltage are in phase, a volt-ampere is the same as a watt (and therefore, a kilo-volt-ampere is the same as a kW). In the case of AC, when current and voltage are NOT in phase, power = voltage x current x power factor; the power factor is the cosine of the angle between current and voltage, and it is always less than or equal to one. In such a case, a kVA would be less than a kW.
When one factor is less than one, the product will be less than the other factor.