(SHG) Shinhan Financial - Ratings and Ratios
Banking, Insurance, Securities, Credit, Investment, Asset Management
SHG EPS (Earnings per Share)
SHG Revenue
Description: SHG Shinhan Financial
Shinhan Financial Group Co., Ltd. is a diversified financial services company operating in South Korea and internationally, offering a wide range of financial products and services across six business segments: Commercial Banking, Credit Card, Securities, Insurance, Credit, and Others.
The companys diversified business model allows it to provide a broad spectrum of financial services, including retail and corporate banking, credit card services, securities brokerage, insurance, and asset management. Its comprehensive service offerings enable it to cater to various customer needs, from basic banking services to complex financial solutions.
Key Performance Indicators (KPIs) that can be used to evaluate Shinhan Financial Groups performance include its Return on Equity (RoE) of 8.20%, indicating a relatively decent return on shareholders equity. The companys Price-to-Earnings (P/E) ratio of 7.11 and Forward P/E of 4.08 suggest that the stock may be undervalued compared to its earnings potential. Additionally, the companys Market Capitalization of $22.47 billion USD indicates a significant market presence.
To further analyze Shinhan Financial Groups performance, other relevant KPIs could include its Net Interest Margin (NIM), Non-Performing Loan (NPL) ratio, and Capital Adequacy Ratio (CAR). These metrics can provide insights into the companys asset quality, capital management, and profitability. For instance, a high NIM would indicate a strong ability to generate income from its core lending business, while a low NPL ratio would suggest effective credit risk management.
Overall, Shinhan Financial Groups diversified business model, comprehensive service offerings, and relatively strong financial performance make it a significant player in the South Korean financial services industry. Further analysis of its KPIs and financial metrics can help investors and analysts better understand its growth prospects and potential risks.
SHG Stock Overview
| Market Cap in USD | 22,726m |
| Sub-Industry | Diversified Banks |
| IPO / Inception | 2003-09-16 |
SHG Stock Ratings
| Growth Rating | 71.4% |
| Fundamental | 58.4% |
| Dividend Rating | 58.6% |
| Return 12m vs S&P 500 | 1.74% |
| Analyst Rating | 5.0 of 5 |
SHG Dividends
| Dividend Yield 12m | 3.35% |
| Yield on Cost 5y | 8.06% |
| Annual Growth 5y | 8.03% |
| Payout Consistency | 85.1% |
| Payout Ratio | 16.8% |
SHG Growth Ratios
| Growth Correlation 3m | 28.1% |
| Growth Correlation 12m | 42.9% |
| Growth Correlation 5y | 66.9% |
| CAGR 5y | 31.09% |
| CAGR/Max DD 3y | 0.88 |
| CAGR/Mean DD 3y | 2.37 |
| Sharpe Ratio 12m | 0.42 |
| Alpha | 11.43 |
| Beta | 0.797 |
| Volatility | 29.68% |
| Current Volume | 355.9k |
| Average Volume 20d | 178.7k |
| Stop Loss | 48.3 (-3.2%) |
| Signal | 0.29 |
Piotroski VR‑10 (Strict, 0-10) 3.0
| Net Income (4740.56b TTM) > 0 and > 6% of Revenue (6% = 1755.09b TTM) |
| FCFTA 0.01 (>2.0%) and ΔFCFTA 0.57pp (YES ≥ +1.0pp, WARN ≥ +0.5pp) |
| NWC/Revenue -1037 % (prev -982.9%; Δ -53.91pp) (YES ≤20% & Δ≤-1pp; WARN ≤25% & Δ≤0 oder ≤40% & Δ≤-3pp) |
| CFO/TA 0.01 (>3.0%) and CFO 4698.08b <= Net Income 4740.56b (YES >=105%, WARN >=100%) |
| Net Debt (104552.19b) to EBITDA (6833.95b) ratio: 15.30 <= 3.0 (WARN <= 3.5) |
| Current Ratio 0.31 (target 1.5–3.0; WARN 1.2–<1.5 or >3.0–5.0; CFO/TA gate active) |
| Outstanding Shares last Quarter (487.4m) change vs 12m ago -4.72% (target <= -2.0% for YES) |
| Gross Margin 51.08% (prev 81.44%; Δ -30.36pp) >=18% & Δ>=+0.5pp (WARN >=15% & Δ>=0) |
| Asset Turnover 3.95% (prev 4.22%; Δ -0.27pp) >=50% & Δ>=+2pp (WARN >=35% & Δ>=0) |
| Interest Coverage Ratio 0.34 (EBITDA TTM 6833.95b / Interest Expense TTM 17325.56b) >= 6 (WARN >= 3) |
Altman Z'' -2.35
| (A) -0.40 = (Total Current Assets 137186.36b - Total Current Liabilities 440481.78b) / Total Assets 752691.46b |
| (B) 0.05 = Retained Earnings (Balance) 40511.75b / Total Assets 752691.46b |
| (C) 0.01 = EBIT TTM 5843.05b / Avg Total Assets 740185.67b |
| (D) 0.06 = Book Value of Equity 40591.80b / Total Liabilities 692495.60b |
| Total Rating: -2.35 = (6.56 * A) + (3.26 * B) + (6.72 * C) + (1.05 * D) |
ValueRay F-Score (Strict, 0-100) 58.36
| 1. Piotroski 3.0pt = -2.0 |
| 2. FCF Yield 10.54% = 5.0 |
| 3. FCF Margin 13.97% = 3.49 |
| 4. Debt/Equity 2.53 = -0.04 |
| 5. Debt/Ebitda 21.13 = -2.50 |
| 6. ROIC - WACC -1.02% = -1.28 |
| 7. RoE 8.39% = 0.70 |
| 8. Rev. Trend 40.05% = 2.00 |
| 9. Rev. CAGR 19.01% = 2.38 |
| 10. EPS Trend 24.28% = 0.61 |
| 11. EPS CAGR 0.0% = 0.0 |
What is the price of SHG shares?
Over the past week, the price has changed by +6.17%, over one month by -0.06%, over three months by +12.83% and over the past year by +20.96%.
Is Shinhan Financial a good stock to buy?
Based on momentum, paid dividends and discounted-cash-flow analyses, the fair value of SHG is around 57.01 USD . This means that SHG is currently undervalued and has a potential upside of +14.27% (Margin of Safety).
Is SHG a buy, sell or hold?
- Strong Buy: 1
- Buy: 0
- Hold: 0
- Sell: 0
- Strong Sell: 0
What are the forecasts/targets for the SHG price?
| Issuer | Target | Up/Down from current |
|---|---|---|
| Wallstreet Target Price | 65.7 | 31.7% |
| Analysts Target Price | 65.7 | 31.7% |
| ValueRay Target Price | 60.7 | 21.6% |
Last update: 2025-09-08 04:50
SHG Fundamental Data Overview
CCE Cash And Equivalents = 137150.47b KRW (Cash And Short Term Investments, last quarter)
P/E Trailing = 7.0817
P/E Forward = 4.0833
P/S = 0.0015
P/B = 0.5557
P/EG = 5.1048
Beta = 0.607
Revenue TTM = 29251.55b KRW
EBIT TTM = 5843.05b KRW
EBITDA TTM = 6833.95b KRW
Long Term Debt = 129764.37b KRW (from longTermDebt, last quarter)
Short Term Debt = 14671.03b KRW (from shortTermDebt, last quarter)
Debt = 144435.40b KRW (Calculated: Short Term 14671.03b + Long Term 129764.37b)
Net Debt = 104552.19b KRW (from netDebt column, last quarter)
Enterprise Value = 38774.10b KRW (31489.17b + Debt 144435.40b - CCE 137150.47b)
Interest Coverage Ratio = 0.34 (Ebit TTM 5843.05b / Interest Expense TTM 17325.56b)
FCF Yield = 10.54% (FCF TTM 4086.30b / Enterprise Value 38774.10b)
FCF Margin = 13.97% (FCF TTM 4086.30b / Revenue TTM 29251.55b)
Net Margin = 16.21% (Net Income TTM 4740.56b / Revenue TTM 29251.55b)
Gross Margin = 51.08% ((Revenue TTM 29251.55b - Cost of Revenue TTM 14309.78b) / Revenue TTM)
Tobins Q-Ratio = 0.96 (Enterprise Value 38774.10b / Book Value Of Equity 40591.80b)
Interest Expense / Debt = 2.84% (Interest Expense 4103.23b / Debt 144435.40b)
Taxrate = 24.40% (1470.92b / 6029.09b)
NOPAT = 4417.52b (EBIT 5843.05b * (1 - 24.40%))
Current Ratio = 0.31 (Total Current Assets 137186.36b / Total Current Liabilities 440481.78b)
Debt / Equity = 2.53 (Debt 144435.40b / last Quarter total Stockholder Equity 57189.89b)
Debt / EBITDA = 21.13 (Net Debt 104552.19b / EBITDA 6833.95b)
Debt / FCF = 35.35 (Debt 144435.40b / FCF TTM 4086.30b)
Total Stockholder Equity = 56515.75b (last 4 quarters mean)
RoA = 0.63% (Net Income 4740.56b, Total Assets 752691.46b )
RoE = 8.39% (Net Income TTM 4740.56b / Total Stockholder Equity 56515.75b)
RoCE = 3.14% (Ebit 5843.05b / (Equity 56515.75b + L.T.Debt 129764.37b))
RoIC = 2.34% (NOPAT 4417.52b / Invested Capital 188456.19b)
WACC = 3.37% (E(31489.17b)/V(175924.58b) * Re(8.95%)) + (D(144435.40b)/V(175924.58b) * Rd(2.84%) * (1-Tc(0.24)))
Shares Correlation 3-Years: -74.81 | Cagr: -0.77%
Discount Rate = 8.95% (= CAPM, Blume Beta Adj.)
[DCF Debug] Terminal Value 66.46% ; FCFE base≈4086.30b ; Y1≈2682.85b ; Y5≈1226.88b
Fair Price DCF = 42.9k (DCF Value 20817.32b / Shares Outstanding 485.5m; 5y FCF grow -40.0% → 3.0% )
Revenue Correlation: 40.05 | Revenue CAGR: 19.01%
Rev Growth-of-Growth: -23.91
EPS Correlation: 24.28 | EPS CAGR: 0.0%
EPS Growth-of-Growth: -35.52
Additional Sources for SHG Stock
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