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Upturn AI SWOT - About
SHG 
Shinhan Financial Group Co Ltd (SHG)
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Upturn Advisory Summary
08/29/2025: 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 41.56% | Avg. Invested days 42 | Today’s Advisory WEAK BUY |
Upturn Star Rating | Upturn Advisory Performance  3.0 | Stock Returns Performance  3.0 |
| Profits based on simulation | Last Close 08/29/2025 |
Key Highlights
Company Size Large-Cap Stock | Market Capitalization 22.93B USD | Price to earnings Ratio 7.16 | 1Y Target Price 65.69 |
Price to earnings Ratio 7.16 | 1Y Target Price 65.69 | ||
Volume (30-day avg) 1 | Beta 0.6 | 52 Weeks Range 28.25 - 51.68 | Updated Date 08/30/2025 |
52 Weeks Range 28.25 - 51.68 | Updated Date 08/30/2025 | ||
Dividends yield (FY) 3.32% | Basic EPS (TTM) 6.6 |
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 7.16 | Forward PE 4.08 | Enterprise Value 46180205592576 | Price to Sales(TTM) - |
Enterprise Value 46180205592576 | Price to Sales(TTM) - | ||
Enterprise Value to Revenue 9 | Enterprise Value to EBITDA - | Shares Outstanding 485495008 | Shares Floating 398698149 |
Shares Outstanding 485495008 | Shares Floating 398698149 | ||
Percent Insiders - | Percent Institutions 4.55 |
Upturn AI SWOT
Shinhan Financial Group Co Ltd
Company Overview
History and Background
Shinhan Financial Group Co Ltd was established in 2001 as the first privately owned financial holding company in Korea. It evolved from Shinhan Bank, founded in 1897, and has grown through mergers and acquisitions to become a leading financial group in Korea.
Core Business Areas
- Banking: Provides a wide range of banking services including deposits, loans, credit cards, and foreign exchange.
- Financial Investment: Offers brokerage, asset management, and investment banking services.
- Credit Card: Issues and manages credit cards, providing various payment solutions.
- Life Insurance: Offers life insurance products, including term life, whole life, and annuity plans.
- Capital Management: Provides capital management and private equity services.
Leadership and Structure
The group is led by a board of directors and executive management team. The CEO oversees the overall strategy and operations, with each business segment headed by its own executive team.
Top Products and Market Share
Key Offerings
- Mortgage Loans: Offers mortgage loans for residential and commercial properties. Market share estimated at 15% in South Korea. Competitors include KB Financial Group, Woori Financial Group, and Hana Financial Group. Revenue is estimated at $3 Billion USD.
- Credit Cards: Issues a variety of credit cards with different rewards programs. Market share estimated at 20% in South Korea. Competitors include Hyundai Card, Samsung Card, and Lotte Card. There are roughly 15 million Shinhan Credit Card users.
- Asset Management: Manages investment funds and provides wealth management services. Competitors include Mirae Asset Global Investments, Samsung Asset Management, and Korea Investment Management.
Market Dynamics
Industry Overview
The financial services industry in South Korea is highly competitive and regulated. It is characterized by increasing digitalization and a focus on customer experience.
Positioning
Shinhan Financial Group Co Ltd is a leading player in the South Korean financial services industry, known for its strong brand reputation, diverse product offerings, and extensive distribution network.
Total Addressable Market (TAM)
The TAM for financial services in South Korea is estimated at $300 Billion USD annually. Shinhan Financial Group Co Ltd is well positioned to capture a significant share of this market.
Upturn SWOT Analysis
Strengths
- Strong brand reputation
- Diversified business portfolio
- Extensive distribution network
- Strong capital base
- Innovative digital solutions
Weaknesses
- Over-reliance on the Korean market
- Potential regulatory risks
- Exposure to economic fluctuations in Korea
Opportunities
- Expansion into new markets in Asia
- Growth in digital banking services
- Increasing demand for wealth management services
- Strategic acquisitions
- Partnerships with fintech companies
Threats
- Intense competition from other financial institutions
- Rising interest rates
- Economic slowdown in Korea
- Cybersecurity risks
- Changes in regulations
Competitors and Market Share
Key Competitors
- KB Financial Group (KB)
- Woori Financial Group (WF)
- Hana Financial Group (HNFG)
Competitive Landscape
Shinhan Financial Group Co Ltd is a strong competitor with a solid brand and diversified services. Key advantages include innovation in digital services and brand reputation. Weaknesses can include an over-reliance on the Korean market.
Major Acquisitions
Orange Life Insurance
- Year: 2019
- Acquisition Price (USD millions): 2300
- Strategic Rationale: Expanded Shinhan's presence in the life insurance market and diversified its revenue streams.
Growth Trajectory and Initiatives
Historical Growth: Data Not Available, please refer to 20F reports
Future Projections: Data Not Available, please refer to 20F reports
Recent Initiatives: Focus on digital transformation, expansion in global markets, and strengthening of ESG (Environmental, Social, and Governance) initiatives.
Summary
Shinhan Financial Group Co Ltd is a major player in the South Korean financial market with a strong brand and diversified services. The company's focus on digital transformation and global expansion is promising for future growth. However, it needs to watch out for increasing competition, economic fluctuations, and the ever-changing regulatory landscape to maintain its leading position. The acquisition of Orange Life insurance diversifies revenues. Shinhan should look to expand its reach outside of South Korea.
Peer Comparison
Sources and Disclaimers
Data Sources:
- Company Filings
- Industry Reports
- Analyst Estimates
Disclaimers:
This analysis is based on publicly available information and is for informational purposes only. It should not be considered as financial advice.
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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