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SHG stock logo

SHG

Shinhan Financial Group Co., Ltd.

$65.99
2.08
 (3.25%)
Exchange:  NYSE
Market Cap:  31.186B
Shares Outstanding:  267.78M
Delayed data
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Overview
Earnings
Financials
Valuation
Chart

About The Company

Sector:  Financial Services
Industry:  Banks – Regional
   
CEO:  Ok-Dong Jin
Full Time Employees:  189
Address: 
20, Sejong-daero 9-gil
Seoul
4513
KR
Website:  https://www.shinhangroup.com
Shinhan Financial Group Co., Ltd. is a prominent financial services provider that operates both within South Korea and globally. The company’s diverse activities are organized into six primary divisions: Banking, Credit Card services, Securities, Life Insurance, Credit, and other specialized financial offerings. For individual clients, Shinhan offers a comprehensive suite of retail banking solutions. These include various deposit account types—demand, savings, and fixed—along with checking accounts. The group also provides personal lending options such as mortgages, home equity loans, and other consumer credit. Furthermore, it facilitates electronic banking, ATM access, bill payment, payroll and check processing, foreign currency exchange, and international money transfer services. The corporate banking arm of Shinhan caters to businesses with services like investment banking, financing for real estate (including overseas and development projects), infrastructure and structured finance, equity/venture capital investments, and advisory for mergers and acquisitions. It also handles securitization, offers derivative products, engages in foreign exchange trading, and provides working capital and facilities loans. Shinhan Financial Group is also actively involved in treasury and investment operations within international capital markets. This includes trading foreign currency-denominated securities, providing a range of foreign exchange services, offering trade-related financial support, international factoring, and managing foreign banking operations. Beyond its core banking and investment functions, the company provides numerous other financial provisions. These encompass trust account management, securities brokerage, and professional asset management. Additional services extend to equipment leasing and financing, specialized savings banking, loan collection and credit reporting, administration of collective investment schemes, private equity investments, and the development of advanced financial systems. By the close of 2021, Shinhan maintained an extensive network of 784 service centers, 5,234 automated teller machines (ATMs), 7 cash dispensing units, and 85 digital kiosks to serve its customers. Established in 1982, Shinhan Financial Group Co., Ltd. is based in Seoul, South Korea.

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Revenue Segmentation

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EPS

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Earnings Call

Full text

Earnings transcript

Read the complete earnings call transcript.

AI summary

Key takeaways

Short, structured highlights from the call so you can focus on what matters.

2025/07/25 — Q2 quarter 2025

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Income Statement
Balance Sheet
Cash Flow Statement
Analyst Estimates

Income Statement

Year202320242025
Revenue33,801,486,00035,375,497,00034,685,185,000
Gross Profit14,877,939,00015,574,665,00016,447,014,000
EBITDA7,149,966,0007,309,474,0008,224,094,000
Operating Income5,964,960,0006,029,092,0006,929,009,000
Net Income4,368,035,0004,450,177,0004,971,561,000

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(* All numbers are in thousands)

Balance Sheet

Year202320242025
Total Assets691,795,333,000739,764,256,000785,980,746,941
Total Liabilities635,473,468,000680,943,223,000730,360,576,661
Total Stockholders Equity53,720,537,00056,053,756,00053,207,218,786
Total Debt125,994,650,000150,260,354,000154,207,857,856
Cash and Cash Equivalents35,631,370,00041,672,295,00021,141,098,420

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(* All numbers are in thousands)

Cash Flow Statement

Year202320242025
Operating Cash Flow529,846,0004,626,299,0006,458,284,583
Capital Expenditure-716,238,000-778,774,000-262,166,169
Free Cash Flow-186,392,0003,847,525,0006,196,118,414
Net Income4,368,035,0004,558,170,0004,838,354,750
Net Change in Cash6,002,938,0004,830,659,0000

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(* All numbers are in thousands)

Analyst Estimates

Fiscal Year2028Full AccessFull AccessFull AccessFull Access
Estimated Revenue (Low)16,351,181,236.385Full AccessFull AccessFull AccessFull Access
Estimated Revenue (High)19,391,136,882.479Full AccessFull AccessFull AccessFull Access
Estimated Revenue (Avg)18,335,181,626.740Full AccessFull AccessFull AccessFull Access
Estimated Ebitda (Low)3,947,186,904.957Full AccessFull AccessFull AccessFull Access
Estimated Ebitda (High)4,681,034,383.279Full AccessFull AccessFull AccessFull Access
Estimated Ebitda (Avg)4,426,126,025.441Full AccessFull AccessFull AccessFull Access
Estimated Net Income (Low)5,966,491,359.813Full AccessFull AccessFull AccessFull Access
Estimated Net Income (High)7,463,017,002.955Full AccessFull AccessFull AccessFull Access
Estimated Net Income (Avg)6,943,185,695.844Full AccessFull AccessFull AccessFull Access
Estimated SGA Expense (Low)3,603,680,301.418Full AccessFull AccessFull AccessFull Access
Estimated SGA Expense (High)4,273,664,207.818Full AccessFull AccessFull AccessFull Access
Estimated SGA Expense (Avg)4,040,939,421.806Full AccessFull AccessFull AccessFull Access
Estimated EPS (Avg)13.984Full AccessFull AccessFull AccessFull Access
Estimated EPS (High)15.030Full AccessFull AccessFull AccessFull Access
Estimated EPS (Low)12.016Full AccessFull AccessFull AccessFull Access
Number of Analysts (Estimated Revenue)3Full AccessFull AccessFull AccessFull Access
Number of Analysts (Estimated EPS)1Full AccessFull AccessFull AccessFull Access

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(* All numbers are in thousands)

Current Key Metrics

?Revenue
 (TTM)
: 
28.375B  ?P/S
 (TTM)
: 
2.33
?Net Income
 (TTM)
: 
3.134B  ?P/E
 (TTM)
: 
10.05
?Enterprise Value
 (TTM)
: 
158.92T  ?EV/FCF
 (TTM)
: 
-612.88
?Dividend Yield
 (TTM)
: 
0.03  ?Payout Ratio
 (TTM)
: 
0.19
?ROE
 (TTM)
: 
0.09  ?ROIC
 (TTM)
: 
0.01
?Net Debt
 (TTM)
: 
83.227B  ?Debt/Equity
 (TTM)
: 
2.73
?P/B
 (TTM)
: 
0.95  ?Current Ratio
 (TTM)
: 
0.54

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Forward P/E Ratios

?

Forward P/E (Avg EPS estimate) — log in with Full Access for high/low estimates and the interactive table.

Forward P/E 1YFull AccessFull AccessFull AccessFull Access
8.44Full AccessFull AccessFull AccessFull Access

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SWOT Analysis

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At what price to buy it? -
Intrinsic Value Calculator

This is an automatic estimate. The most reliable way to know fair value for your own assumptions is to run the calculator below.

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Common questions about SHG valuation

Is Shinhan Financial Group Co., Ltd. (SHG) overvalued or undervalued right now?

MARKETSnap estimates intrinsic value for Shinhan Financial Group Co., Ltd. (SHG) using its proprietary valuation methodology, which incorporates discounted cash flow (DCF) analysis together with long-term earnings and fundamentals assumptions. By comparing intrinsic value to the current market price, long-term investors can see whether the stock screens as potentially overvalued, fairly valued, or undervalued today.

Is SHG a buy, hold, or sell for long-term investors?

MARKETSnap does not give one-word “buy” or “sell” calls. Instead, it shows whether SHG trades at a premium or discount to its estimated intrinsic value, how sensitive that value is to growth and margin assumptions, and how the stock fits into a diversified, long-term portfolio so investors can make their own buy, hold, or sell decision.

What is SHG’s P/E ratio?

You can see SHG’s trailing P/E (TTM) and forward P/E estimates in the Current Key Metrics and Forward P/E Ratios sections above. The P/E ratio compares the current share price to earnings per share and helps investors gauge valuation relative to earnings.

How is intrinsic value calculated for SHG?

MARKETSnap uses its own valuation framework—not a generic spreadsheet DCF alone. Future cash flows and earnings are projected, discounted, and combined with MARKETSnap’s methodology so intrinsic value reflects fundamentals and long-term assumptions. You can run your own inputs and see the result using the Intrinsic Value Calculator above.

Is SHG a good long-term investment?

Whether SHG fits a long-term portfolio depends on your assumptions about growth, margins, and risk. MARKETSnap provides the metrics, intrinsic value calculator, and SWOT context so you can form your own view rather than rely on a single buy/sell rating.

SHG

1-day price chart preview. Log in for 1W through 5Y ranges and period tabs.

Daily snapshot

3.25
MARKETSnap

Trading Metrics:

Open: 66.94   Previous Close: 63.91
Day Low: 64.67   Day High: 67.16
Year Low: 42.71   Year High: 73.4
Price Avg 50: 65.38   Price Avg 200: 57.84
Volume: 373181   Average Volume: 287187

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See in Nexus

Relevant news

Shinhan: Targeting Superior Financial Profile And Higher Cash Distributions
11-05-2026 09:47
Shinhan: Targeting Superior Financial Profile And Higher Cash Distributions
Why Shinhan Financial (SHG) is a Top Dividend Stock for Your Portfolio
27-04-2026 12:46
Why Shinhan Financial (SHG) is a Top Dividend Stock for Your Portfolio
Shinhan Financial Group Co., Ltd. (SHG) Q1 2026 Earnings Call Transcript
23-04-2026 13:21
Shinhan Financial Group Co., Ltd. (SHG) Q1 2026 Earnings Call Transcript
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