(SHG) Shinhan Financial - Overview
Sector: Financial Services | Industry: Banks - Regional | Exchange: NYSE (USA) | Market Cap: 30.058m USD | Total Return: 68.6% in 12m
Industry Rotation: +1.2
Avg Turnover: 14.0M
EPS Trend: 86.0%
Qual. Beats: 0
Rev. Trend: -44.3%
Qual. Beats: 0
Warnings
Below Avwap Earnings
Tailwinds
No distinct edge detected
Shinhan Financial Group Co., Ltd. is a South Korean financial holding company headquartered in Seoul. Founded in 1982, the firm operates a diversified business model across six primary segments: Banking, Credit Card, Securities, Insurance, Credit, and Others. Its geographical footprint extends beyond South Korea to include operations in Japan and Vietnam.
The company functions as a universal bank, integrating traditional retail and commercial lending with specialized services such as underwriting, real estate trusts, and venture capital investment. In the South Korean banking sector, large holding companies like Shinhan often benefit from high barriers to entry and a regulatory environment that emphasizes capital adequacy and systemic stability. Investors may find it useful to examine ValueRay for deeper insights into the firms valuation metrics. This diversified structure allows the group to mitigate risks by balancing interest-based income from its banking arm with fee-based revenue from its securities and insurance divisions.
- Net interest margin sensitivity to Bank of Korea monetary policy shifts
- Non-performing loan ratios impact provisioning costs and net income stability
- South Korean regulatory pressure on shareholder return and dividend payout ratios
- Strategic expansion into high-growth Southeast Asian banking and credit card markets
- Digital transformation initiatives reducing operational overhead and improving cost-to-income ratios
| Net Income: 5206.37b TTM > 0 and > 6% of Revenue |
| FCF/TA: -0.03 > 0.02 and ΔFCF/TA -4.13 > 1.0 |
| NWC/Revenue: -229.3% < 20% (prev -1.02k%; Δ 791.5% < -1%) |
| CFO/TA -0.02 > 3% & CFO -18185.66b > Net Income 5206.37b |
| Net Debt (133066.76b) to EBITDA (7491.28b): 17.76 < 3 |
| Current Ratio: 0.27 > 1.5 & < 3 |
| Outstanding Shares: last quarter (482.4m) vs 12m ago -2.65% < -2% |
| Gross Margin: 26.39% > 18% (prev 0.50%; Δ 2.59k% > 0.5%) |
| Asset Turnover: 3.22% > 50% (prev 3.92%; Δ -0.70% > 0%) |
| Interest Coverage Ratio: 0.33 > 6 (EBITDA TTM 7491.28b / Interest Expense TTM 16546.07b) |
| A: -0.07 (Total Current Assets 21141.10b - Total Current Liabilities 77707.70b) / Total Assets 785980.75b |
| B: 0.05 (Retained Earnings 41794.39b / Total Assets 785980.75b) |
| C: 0.01 (EBIT TTM 5435.69b / Avg Total Assets 766101.54b) |
| D: 0.06 (Book Value of Equity 42015.26b / Total Liabilities 730360.58b) |
| Altman-Z'' = -0.19 = B |
| DSRI: 512.0 (Receivables 27441.51b/63.54b, Revenue 24667.24b/29244.62b) |
| GMI: 1.90 (GM 26.39% / 50.11%) |
| AQI: 1.19 (AQ_t 0.97 / AQ_t-1 0.81) |
| SGI: 0.84 (Revenue 24667.24b / 29244.62b) |
| TATA: 0.03 (NI 5206.37b - CFO -18185.66b) / TA 785980.75b) |
| Beneish M = 418.4 (Cap -4..+1) = D |
Over the past week, the price has changed by -1.97%, over one month by -3.77%, over three months by -8.35% and over the past year by +68.59%.
- StrongBuy: 1
- Buy: 0
- Hold: 0
- Sell: 0
- StrongSell: 0
| Analysts Target Price | 91.7 | 43.1% |
P/E Forward = 4.0833
P/S = 0.0019
P/B = 0.8158
P/EG = 5.1048
Revenue TTM = 24667.24b USD
EBIT TTM = 5435.69b USD
EBITDA TTM = 7491.28b USD
Long Term Debt = 131948.57b USD (from longTermDebt, last fiscal year)
Short Term Debt = 77707.70b USD (from shortTermDebt, last quarter)
Debt = 154207.86b USD (from shortLongTermDebtTotal, last quarter)
Net Debt = 133066.76b USD (from netDebt column, last quarter)
Enterprise Value = 126560.23b USD (30.06b + Debt 154207.86b - CCE 27677.69b)
Interest Coverage Ratio = 0.33 (Ebit TTM 5435.69b / Interest Expense TTM 16546.07b)
EV/FCF = -5.01x (Enterprise Value 126560.23b / FCF TTM -25244.91b)
FCF Yield = -19.95% (FCF TTM -25244.91b / Enterprise Value 126560.23b)
FCF Margin = -102.3% (FCF TTM -25244.91b / Revenue TTM 24667.24b)
Net Margin = 21.11% (Net Income TTM 5206.37b / Revenue TTM 24667.24b)
Gross Margin = 26.39% ((Revenue TTM 24667.24b - Cost of Revenue TTM 18156.51b) / Revenue TTM)
Gross Margin QoQ = -96.82% (prev 52.89%)
Tobins Q-Ratio = 0.16 (Enterprise Value 126560.23b / Total Assets 785980.75b)
Interest Expense / Debt = 2.75% (Interest Expense 4243.83b / Debt 154207.86b)
Taxrate = 25.76% (589.35b / 2287.83b)
NOPAT = 4035.44b (EBIT 5435.69b * (1 - 25.76%))
Current Ratio = 0.27 (Total Current Assets 21141.10b / Total Current Liabilities 77707.70b)
Debt / Equity = 2.90 (Debt 154207.86b / totalStockholderEquity, last quarter 53207.22b)
Debt / EBITDA = 17.76 (Net Debt 133066.76b / EBITDA 7491.28b)
Debt / FCF = -5.27 (negative FCF - burning cash) (Net Debt 133066.76b / FCF TTM -25244.91b)
Total Stockholder Equity = 55368.72b (last 4 quarters mean from totalStockholderEquity)
RoA = 0.68% (Net Income 5206.37b / Total Assets 785980.75b)
RoE = 9.40% (Net Income TTM 5206.37b / Total Stockholder Equity 55368.72b)
RoCE = 2.90% (EBIT 5435.69b / Capital Employed (Equity 55368.72b + L.T.Debt 131948.57b))
RoIC = 2.11% (NOPAT 4035.44b / Invested Capital 191544.31b)
WACC = 2.04% (E(30.06b)/V(154237.92b) * Re(9.04%) + D(154207.86b)/V(154237.92b) * Rd(2.75%) * (1-Tc(0.26)))
Discount Rate = 9.04% (= CAPM, Blume Beta Adj.)
Shares (quarterly) Correlation: -67.42 | Cagr: -2.57%
[DCF] Fair Price = unknown (Cash Flow -25244.91b)
EPS Correlation: 86.03 | EPS CAGR: 19.73% | SUE: 0.07 | # QB: 0
Revenue Correlation: -44.27 | Revenue CAGR: -6.29% | SUE: -0.21 | # QB: 0
EPS current Quarter (2026-06-30): EPS=2.34 | Chg30d=N/A | Revisions=N/A | Analysts=1
EPS next Quarter (2026-09-30): EPS=2.14 | Chg30d=N/A | Revisions=N/A | Analysts=1
EPS current Year (2026-12-31): EPS=7.96 | Chg30d=-0.42% | Revisions=-20% | GrowthEPS=+18.8% | GrowthRev=+5.5%
EPS next Year (2027-12-31): EPS=8.91 | Chg30d=N/A | Revisions=N/A | GrowthEPS=+11.9% | GrowthRev=+4.2%