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Upturn AI SWOT - About
SHG 
Shinhan Financial Group Co Ltd (SHG)
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Upturn Advisory Summary
07/09/2025: SHG (1-star) has a low Upturn Star Rating. Not recommended to BUY.
Upturn Star Rating
Not Recommended Performance
These Stocks/ETFs, based on Upturn Advisory, consistently fall short of market performance, signaling caution before investing.
Number of Analysts
1 Analysts rated it
Very few follow this stock; limited insights, higher-risk early investing.
1 Year Target Price $54.01
1 Year Target Price $54.01
| 1 | Strong Buy |
| 0 | Buy |
| 0 | Hold |
| 0 | Sell |
| 0 | Strong Sell |
Analysis of Past Performance
Type Stock | Historic Profit 47.14% | Avg. Invested days 36 | Today’s Advisory Consider higher Upturn Star rating |
Upturn Star Rating | Upturn Advisory Performance  3.0 | Stock Returns Performance  3.0 |
| Profits based on simulation | Last Close 07/09/2025 |
Key Highlights
Company Size Large-Cap Stock | Market Capitalization 25.07B USD | Price to earnings Ratio 7.78 | 1Y Target Price 54.01 |
Price to earnings Ratio 7.78 | 1Y Target Price 54.01 | ||
Volume (30-day avg) 1 | Beta 0.58 | 52 Weeks Range 28.42 - 51.21 | Updated Date 07/9/2025 |
52 Weeks Range 28.42 - 51.21 | Updated Date 07/9/2025 | ||
Dividends yield (FY) 3.47% | Basic EPS (TTM) 6.48 |
Earnings Date
Report Date - | When - | Estimate - | Actual - |
Profitability
Profit Margin 31.53% | Operating Margin (TTM) 49.5% |
Management Effectiveness
Return on Assets (TTM) 0.65% | Return on Equity (TTM) 8.14% |
Valuation
Trailing PE 7.78 | Forward PE 4.08 | Enterprise Value 39571278528512 | Price to Sales(TTM) - |
Enterprise Value 39571278528512 | Price to Sales(TTM) - | ||
Enterprise Value to Revenue 9.36 | Enterprise Value to EBITDA - | Shares Outstanding 485495008 | Shares Floating 404813882 |
Shares Outstanding 485495008 | Shares Floating 404813882 | ||
Percent Insiders - | Percent Institutions 4.65 |
Upturn AI SWOT
Shinhan Financial Group Co Ltd
Company Overview
History and Background
Shinhan Financial Group Co., Ltd. was established in September 2001 as the first financial holding company in Korea. It evolved from its roots in Shinhan Bank, founded in 1897, expanding its services through mergers and acquisitions to become a comprehensive financial services provider.
Core Business Areas
- Banking: Provides retail and corporate banking services, including deposits, loans, credit cards, and wealth management.
- Credit Card: Offers credit card services, processing payments, and providing related financial services.
- Securities: Engages in securities brokerage, investment banking, and asset management.
- Life Insurance: Provides life insurance products and services to individuals and businesses.
- Asset Management: Manages investment portfolios for institutional and retail clients.
Leadership and Structure
The leadership team consists of a Chairman and CEO, supported by a board of directors and various executive officers. The organizational structure is hierarchical, with divisions for each core business area.
Top Products and Market Share
Key Offerings
- Retail Banking Services: Offers a wide range of services including checking and savings accounts, loans, mortgages, and investment products. Competitors include KB Financial Group and Woori Financial Group. Hard to get detailed data without real-time tools
- Corporate Banking Services: Provides lending, trade finance, and other financial services to corporate clients. Competitors include Hana Financial Group and Korea Development Bank. Hard to get detailed data without real-time tools
- Credit Cards: Offers a variety of credit cards with different rewards programs and benefits. Competitors include Hyundai Card and Samsung Card. Hard to get detailed data without real-time tools
Market Dynamics
Industry Overview
The South Korean financial services industry is highly competitive and heavily regulated, with a mix of established players and emerging fintech companies. It faces challenges such as low interest rates and increasing regulatory scrutiny.
Positioning
Shinhan Financial Group is one of the leading financial institutions in South Korea, known for its strong brand reputation and diversified business model. It competes with other major financial groups for market share in various segments.
Total Addressable Market (TAM)
The total addressable market for financial services in South Korea is substantial, estimated to be in the hundreds of billions of USD. Shinhan Financial Group is well-positioned to capture a significant portion of this market through its diversified product offerings and strong market presence.
Upturn SWOT Analysis
Strengths
- Strong brand recognition
- Diversified business model
- Extensive branch network
- Advanced technology infrastructure
- Strong capital base
Weaknesses
- Exposure to South Korean economy
- Dependence on traditional banking services
- Regulatory compliance costs
- Competition from fintech companies
- Operational inefficiencies
Opportunities
- Expansion into new markets
- Development of new products and services
- Strategic acquisitions
- Digital transformation
- Growing demand for wealth management services
Threats
- Economic downturn
- Increased competition
- Regulatory changes
- Cybersecurity risks
- Geopolitical instability
Competitors and Market Share
Key Competitors
- KB Financial Group (KB)
- Woori Financial Group (WF)
- Hana Financial Group (HNFG)
Competitive Landscape
Shinhan Financial Group benefits from a strong brand and diversified services but faces intense competition from other established players and emerging fintech companies. Its technological advancement will dictate its competitive positioning.
Major Acquisitions
Orange Life Insurance
- Year: 2018
- Acquisition Price (USD millions): 2300
- Strategic Rationale: To expand Shinhan's life insurance business and strengthen its market position in the financial services industry.
Growth Trajectory and Initiatives
Historical Growth: Historical growth data unavailable without real-time data access.
Future Projections: Future projections data unavailable without real-time data access.
Recent Initiatives: Recent initiatives include digital transformation efforts, expansion of wealth management services, and strategic investments in fintech companies.
Summary
Shinhan Financial Group is a leading South Korean financial institution with a strong brand and diverse services. Its competitive advantage is built on its extensive network and technological investments. However, the company is also exposed to economic fluctuations, regulatory compliance burdens, and competition from agile fintech companies. Digital transformation and expansion into new markets are crucial for future growth and stability.
Peer Comparison
Sources and Disclaimers
Data Sources:
- Company website
- Industry reports
- Financial news articles
Disclaimers:
The information provided is for informational purposes only and should not be considered financial advice. Market data is subject to change.
AI Summarization is directionally correct and might not be accurate.
Summarized information shown could be a few years old and not current.
Fundamental Rating based on AI could be based on old data.
AI-generated summaries may have inaccuracies (hallucinations). Please verify the information before taking action.
About Shinhan Financial Group Co Ltd
Exchange NYSE | Headquaters - | ||
IPO Launch date 2003-09-16 | CEO & Executive Director Mr. Ok-Dong Jin | ||
Sector Financial Services | Industry Banks - Regional | Full time employees - | Website https://www.shinhangroup.com |
Full time employees - | Website https://www.shinhangroup.com | ||
Shinhan Financial Group Co., Ltd. provides financial products and services in South Korea and internationally. The company operates in six segments: Commercial Banking, Credit Card, Securities, Insurance, Credit, and Others. It offers retail banking services, including demand, savings, and fixed deposit-taking; checking accounts; mortgage and home equity, and retail lending; electronic banking and automatic teller machines (ATM); and bill paying, payroll and check-cashing, currency exchange, and wire fund transfer services. The company also provides corporate banking services, such as investment banking, real estate financing, overseas real estate and development project financing, infrastructure and structured financing, equity/venture investments, and mergers and acquisitions consulting; securitization and derivatives services comprising securities and derivative products, and foreign exchange trading; business expansion financing and consulting services; and working capital loans and facilities loans. In addition, it is involved in treasury and investment activities in international capital markets consisting of foreign currency-denominated securities trading, foreign exchange trading and services, trade-related financial services, international factoring services, and foreign banking operations. Further, the company offers real estate trust, investment advisory, venture business investment, life and non-life insurance, trust account management, securities brokerage, and asset management services. Additionally, it provides transaction history inquiries and fund transfers, opening letters of credit, trade finance, payment and collection management, sales and acquisition settlement, business-to-business settlement, sweeping, pooling, ERP interface, host-to-host banking, SWIFT SCORE, and cash and liquidity management service. The company was founded in 1982 and is headquartered in Seoul, South Korea.
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