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Upturn AI SWOT - About
SHG 
Shinhan Financial Group Co Ltd (SHG)
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Upturn Advisory Summary
10/14/2025: 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 $65.69
1 Year Target Price $65.69
| 1 | Strong Buy |
| 0 | Buy |
| 0 | Hold |
| 0 | Sell |
| 0 | Strong Sell |
Analysis of Past Performance
Type Stock | Historic Profit 46.69% | Avg. Invested days 46 | 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 10/14/2025 |
Key Highlights
Company Size Large-Cap Stock | Market Capitalization 24.11B USD | Price to earnings Ratio 7.72 | 1Y Target Price 65.69 |
Price to earnings Ratio 7.72 | 1Y Target Price 65.69 | ||
Volume (30-day avg) 1 | Beta 0.61 | 52 Weeks Range 28.25 - 51.68 | Updated Date 10/14/2025 |
52 Weeks Range 28.25 - 51.68 | Updated Date 10/14/2025 | ||
Dividends yield (FY) 3.20% | Basic EPS (TTM) 6.43 |
Earnings Date
Report Date - | When - | Estimate - | Actual - |
Profitability
Profit Margin 31.75% | Operating Margin (TTM) 49.18% |
Management Effectiveness
Return on Assets (TTM) 0.66% | Return on Equity (TTM) 8.24% |
Valuation
Trailing PE 7.72 | Forward PE 4.08 | Enterprise Value 46181384192000 | Price to Sales(TTM) - |
Enterprise Value 46181384192000 | Price to Sales(TTM) - | ||
Enterprise Value to Revenue 9.16 | Enterprise Value to EBITDA - | Shares Outstanding 485494933 | Shares Floating 449985834 |
Shares Outstanding 485494933 | Shares Floating 449985834 | ||
Percent Insiders - | Percent Institutions 4.56 |
Upturn AI SWOT
Shinhan Financial Group Co Ltd
Company Overview
History and Background
Shinhan Financial Group was established in 2001 as the first financial holding company in Korea. It has grown through strategic acquisitions and organic growth, solidifying its position as a leading financial institution.
Core Business Areas
- Banking: Offers a wide range of retail and corporate banking services, including deposit accounts, loans, credit cards, and wealth management.
- Credit Card: Provides credit card services, including various card products, reward programs, and payment solutions.
- Securities: Offers brokerage, investment banking, and asset management services through its securities subsidiary.
- Life Insurance: Provides life insurance products, including term life, whole life, and annuity policies.
- Asset Management: Manages investment funds and provides asset management services for institutional and retail clients.
Leadership and Structure
The group is led by a Chairman and CEO and has a board of directors responsible for oversight. It operates through various subsidiaries, each with its own management team.
Top Products and Market Share
Key Offerings
- Deposit Accounts: A variety of savings and checking accounts catering to different customer needs. Market share in Korean deposit accounts is approximately 12%. Competitors include KB Financial Group and Woori Financial Group.
- Mortgage Loans: Residential mortgage loans with various terms and interest rates. Market share is estimated around 11% for mortgage loans in Korea. Competitors include KB Kookmin Bank and Hana Bank.
- Credit Cards: A comprehensive suite of credit cards, including rewards and premium cards. Market share is estimated at 18%. Competitors include Samsung Card and Hyundai Card.
Market Dynamics
Industry Overview
The South Korean financial industry is highly competitive and regulated. It is experiencing growth in digital banking and fintech solutions. The industry is also adapting to changing demographics and economic conditions.
Positioning
Shinhan Financial Group is a leading player in the South Korean financial market, known for its strong brand reputation, diverse product offerings, and extensive branch network. Competitive advantages include technological innovation and customer service.
Total Addressable Market (TAM)
The total addressable market for financial services in South Korea is estimated to be over $400 billion. Shinhan Financial Group has a strong position in various segments of the market, targeting a significant portion of the TAM.
Upturn SWOT Analysis
Strengths
- Strong brand recognition
- Diversified business portfolio
- Extensive branch network
- Technological innovation
- Strong capital base
Weaknesses
- Exposure to the Korean economy
- Dependence on traditional banking services
- Need for further digitalization
- Regulatory compliance costs
- Potential impact from interest rate fluctuations
Opportunities
- Growth in digital banking and fintech
- Expansion into new markets
- Development of new financial products
- Increasing demand for wealth management services
- Strategic alliances and acquisitions
Threats
- Increasing competition from fintech companies
- Economic downturn in South Korea
- Changes in regulatory environment
- Geopolitical risks
- Cybersecurity threats
Competitors and Market Share
Key Competitors
- KB Financial Group Inc (KB)
- Woori Financial Group (WF)
- Hana Financial Group (HNFG)
Competitive Landscape
Shinhan Financial Group benefits from a diverse portfolio and strong brand. However, competitors like KB and Hana are also well-established. Fintech companies present a growing challenge.
Major Acquisitions
Orange Life Insurance
- Year: 2019
- Acquisition Price (USD millions): 2300
- Strategic Rationale: Expanded its life insurance business and diversified its revenue streams.
Growth Trajectory and Initiatives
Historical Growth: Historical growth has been driven by organic expansion, acquisitions, and innovation.
Future Projections: Future growth is expected to be driven by digital transformation, expansion into new markets, and strategic partnerships.
Recent Initiatives: Recent strategic initiatives include investments in fintech, expansion of digital banking services, and focus on sustainable finance.
Summary
Shinhan Financial Group is a strong player in the South Korean financial market. Its diverse portfolio and brand recognition are significant strengths. However, they need to address digital transformation and increased competition, while capitalizing on new market opportunities.
Peer Comparison
Sources and Disclaimers
Data Sources:
- Company Reports
- Industry Analysis
- Market Research
Disclaimers:
The information provided is for informational purposes only and does not constitute financial advice. Investment decisions should be based on individual research and consultation with a qualified financial advisor.
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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