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Company Analysis

Shinhan Financial Group Co Ltd SHG

A comprehensive view of key metrics, scores, and financial health for Shinhan Financial Group Co Ltd

Overview of Shinhan Financial Group Co., Ltd.

SHG NYQ
Financial Services Banks - Regional Framework: Banks & Lenders Large Cap
Shinhan Financial Group Co., Ltd. (SHG), is a Large Cap company, in the Banks - Regional industry, last closed at $65.62, about 50.4% undervalued vs fair value, +24.6% 1Y return, placing in the top 25% of its sector.
Metrics P/E 7.5× Rev Growth 4.7% ROE 8.7% Gross Margin 38.2% Div Yield 3.33%
USD 65.62
1.99%
(Delayed)
• Vol 90d: 36.4%
52-Week Range
Market Cap
$31.31B
Enterprise Value
$100.60B
Overall Score
View breakdown
Overall
Growth
Fair
Profitability
Fair
Health
Fair
Efficiency
Weak
Valuation
Fair
Growth
Fair
Profitability
Fair
Health
Fair
Efficiency
Weak
Valuation
Fair
Completeness: 88%
Confidence: 92%
Updated: Oct 24
Top Beats

Quick Facts

Website https://www.shinhangroup.com
HQ Seoul
Fiscal year Dec 31

Next Events

Earnings Oct 27 Call: Oct 27

Fair Value Snapshot

Bear Base Bull
$55
$99
$185
Current: $65.62 +50% vs base

Engine Room Money Flow™

Large Cap

Financial Services - Where revenue goes and how value is created

Flow Steps
Interest Income
KRW 28.0T
-4.2%%
Interest Expense
KRW 16.3T
Net Interest Income
KRW 11.7T
2.6%%
Total Revenue
KRW 18.4T
4.7%%
Money Flow Bridge
Flow Direction: Money moves from left to right
Components: Breakdown shows composition of each stage
Industry-Specific: Financial Services

Quality & Reliability Indicators

Return on Equity
8.3%
Fair

Net Income / Equity - key bank profitability metric

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Owner's Pocket - Capital Allocation

Total Returned to Shareholders

Combined dividends, buybacks, and debt reduction

KRW 2.5T
53.3% of Net Income

Where It Leaks

Cash Flow Health critical
Significant cash flow inefficiencies identified. Multiple high-impact leaks require attention.
1
Active Leaks
0/1
Improving
0
High Impact
1
Critical
Moat Analysis Bank Specialized

Competitive Advantage Assessment

Evaluating Shinhan Financial Group Co Ltd's durable competitive advantages across 6 defense dimensions

Overall Moat Strength
54
/100
Moderate
Scores based on quantitative metrics and qualitative factors
Full moat analysis

Key risks

  • Capital Adequacy Concerns Capital adequacy is concerning (score 0.03).
  • Credit Quality Concerns Credit quality is concerning (asset quality score 0.18).

The dashed ring is the peer median. Defense scores are percentile ranks against peers, so 50 is roughly the typical company in this group.

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Deposit Franchise

Moderate
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Signals, strengths and risks for Deposit Franchise

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Signals, strengths and risks for Lending Advantage

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Signals, strengths and risks for Capital Strength

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Signals, strengths and risks for Cost Discipline

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Signals, strengths and risks for Revenue Diversification

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Signals, strengths and risks for Risk Management

Trade-Off Ledger™

Where management spends the performance budget - Growth, Profitability, or Safety

Banks (Regional & Diversified) vs Industry Peers 93% Coverage
Trade-Off Triangle Visualization A ternary plot showing SHG's balance between Growth (39.9%), Profitability (34.6%), and Safety (25.6%). Growth 40% Safety 26% Profitability 35%

Click axes to expand details. Marker shows current allocation.

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Growth

40th percentile vs peers
41
Key Signals
Asset Growth YoY 6.2% 61p EPS Growth YoY 16.2% 48p NII Growth YoY 2.6% 24p Equity Growth YoY 3.4% 25p
Strengths

No notable strengths identified for this axis.

Risks

No significant risks identified for this axis.

Profitability

35th percentile vs peers
35
Key Signals
Strengths
Risks
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Safety

26th percentile vs peers
26
Key Signals
Strengths
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Two Futures

Scenario-based fair value ranges for Shinhan Financial Group Co Ltd.

Loading valuation model...
Unable to Compute Fair Value

This company cannot be valued using standard models.

What this means: The Scenario Theatre requires financial data (revenue, cash flow, shares outstanding) to calculate fair value estimates. This data may be unavailable for:

  • Recently listed companies (IPOs, SPACs)
  • Shell companies or holding companies
  • Companies that haven't filed recent financials
  • Foreign companies with limited data coverage
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Bear
-
- - -
- upside
-
Base
$98.72
- - -
+50.4% vs current
Snapshot base estimate
Bull
-
- - -
- upside
-
Fair Value Range Current: $-
$- $- $-
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