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Upturn AI Summary - About
Shinhan Financial Group Co Ltd(SHG)
Advisory History & Simulated Performance *
*as per simulation (see disclosures)- ALL
- 1Y
- 1M
- 1W
- BUY Advisory
- SELL Advisory (Profit)
- SELL Advisory (Loss)
- Profit
- Loss
- PASS (Skip)
Stock price based on last close Advisory Performance History (Simulated)
Upturn Advisory & Investor View for SHG
11/06/2026: SHG (3-star) is currently NOT-A-BUY. Pass it for now.
Shinhan Financial Group is a major South Korean financial holding company that operates across banking, credit cards, and insurance. The stock is a established player known for its diversified revenue base and stable dividend payouts, making it a potential fit for value and income-oriented investors. Its primary growth story revolves around digital transformation and expansion in Southeast Asia. However, the company faces notable risks from intense competition with tech-native banks, macroeconomic volatility, and domestic market saturation. Investors should monitor digital adoption rates and changes in the local regulatory environment as key indicators for the company's future performance and risk exposure.
How to Read the Upturn Advisory
The Upturn Star Rating and the current BUY, SELL, or PASS advisory are generated by Upturn’s AI advisory engine based on proprietary signal analysis, price behavior, advisory history, and historical signal performance.
Company fundamentals, valuation, risks, and news provide supporting context about the business.
Investor Fit
| Investor style | Fit | Why |
|---|---|---|
| Growth investor | Weak fit | The company operates in a mature market with limited explosive growth potential. |
| Momentum investor | Mixed fit | Momentum depends on broader market sentiment regarding Korean financials and interest rate trends. |
| Value investor | Strong fit | The stock often trades at low P/B and P/E ratios, making it attractive for value-oriented investors. |
| Dividend investor | Strong fit | Shinhan provides consistent dividend income, which is a key component of its investment appeal. |
| Low-risk investor | Mixed fit | While stable, the stock is subject to macroeconomic and regulatory risks inherent to the financial sector. |
Risk Profile
| Risk factor | Level | Why it matters |
|---|---|---|
| Price volatility | Medium | The stock is susceptible to fluctuations in global and domestic market sentiment. |
| Valuation risk | Low | The stock often trades at conservative valuations, limiting significant downside from multiple compression. |
| Competition risk (Fintech competition) | Medium / high | Increased competition from tech-native platforms threatens traditional banking revenue streams. |
| Business quality | Medium | The company has a solid franchise but is tied to the slower-growing South Korean economy. |
| Dividend income | Strong | The company has a track record of reliable dividend payments for its shareholders. |
| Execution risk | Medium | Successfully integrating new digital technologies is critical for long-term competitiveness. |
Price Behavior
Rolling Over
The price momentum is slowing down and beginning to turn downward.
Moderately Choppy
The stock has experienced noticeable price swings while retaining some directional structure.
Analysis of Past Performance
Type Stock | Historic Profit 88.44% | Avg. Invested days 67 | Today’s Advisory PASS |
Upturn Advisory Rating  | Upturn Advisory Performance  4.0 | Stock Returns Performance  4.0 |
| Profits based on simulation | Last Close 11/06/2026 |
Upturn Scorecard
Upturn Star Rating 
Company Fundamentals
Financial Health Rating
Growth Momentum Score
Ownership
Top 5 Institutional Investors
Unit Economics (Per $1K Revenue)
Economic Dimensions
Quantitative Style Profile
Style Classification
Quality Focused
Key Highlights
Company Size Large-Cap Stock | Market Capitalization 29.40B USD | Price to earnings Ratio 7.98 | 1Y Target Price 98.36 |
Price to earnings Ratio 7.98 | 1Y Target Price 98.36 | ||
Volume (30-day avg) 226.7K shares | Beta 0.73 | 52 Weeks Range 50.63 - 85.57 | Updated Date 11/08/2026 |
52 Weeks Range 50.63 - 85.57 | Updated Date 11/08/2026 | ||
Dividends yield (FY) 3.15% | Basic EPS (TTM) 7.96 |
How Company Makes Money
| Business area | What it includes | Retail investor read |
|---|---|---|
| Banking | Interest income from loans and deposits. | This is the core engine that generates stable recurring interest-based profit. |
| Credit Card | Transaction fees and interest on card balances. | Provides high-margin, consumption-based income. |
| Geography: South Korea | Dominant market revenue generation. | The primary performance driver; monitor Korean economic trends. |
Earnings Date
Report Date 2026-10-27 | When - | Estimate 2.52 | Actual 2.33 |
Profitability
Profit Margin 26.15% | Operating Margin (TTM) 44.83% |
Management Effectiveness
Return on Assets (TTM) 0.69% | Return on Equity (TTM) 8.94% |
Valuation
Trailing PE 7.98 | Forward PE 4.08 | Enterprise Value -68.11T | Price to Sales(TTM) - |
Enterprise Value -68.11T | Price to Sales(TTM) - | ||
Enterprise Value to Revenue 4.27 | Enterprise Value to EBITDA - | Shares Outstanding 462.91M | Shares Floating 447.01M |
Shares Outstanding 462.91M | Shares Floating 447.01M | ||
Percent Insiders - | Percent Institutions 5.38 |
Financial Metrics
🧭 Investment Snapshot
Total Revenue (Scale)
Total money earned from selling products or services before any costs. It is needed to understand the scale of the business and its ability to generate income.
Net Income (Profit)
Final profit after all expenses, interest, and taxes are deducted. It is needed to determine the overall profitability available to shareholders.
Free Cash Flow (Cash Strength)
Cash remaining after operating activities and capital expenditures, showing cash available for growth. It is needed to evaluate the company’s ability to invest, pay dividends, or reduce debt.
📈 Growth & Strength
Operating Income (Core Profit)
Profit from core operations after deducting all operating expenses. It is needed to measure how efficiently the company runs its primary business activities.
EBITDA (Cash Earnings)
Earnings before interest, taxes, depreciation, and amortization, indicating operating cash potential. It is needed to compare operating performance across companies without accounting or financing differences.
Gross Profit (Unit Profitability)
Revenue minus cost of revenue, showing profit after direct production costs. It is needed to evaluate core business profitability before overhead expenses.
🛡️ Financial Safety
Cash (Liquidity Buffer)
Total cash and cash equivalents on hand. It is needed to evaluate immediate liquidity and financial flexibility.
Total Debt (Leverage Risk)
Total debt including both short-term and long-term components. It is needed to assess the company’s leverage and financial risk.
Net Working Capital (Short-Term Health)
Current assets minus current liabilities, indicating short-term liquidity strength. It is needed to assess whether the company can meet its short-term obligations.
🧱 Balance Sheet Strength
Stockholder Equity (Net Worth)
Total equity value held by shareholders. It is needed to understand the net worth of the company from the owners’ perspective.
Total Assets (Asset Base)
The full value of everything the company owns, including cash, inventory, equipment, and investments. It is needed to understand the resource base used to generate revenue.
Income Before Tax (Pre-Tax Earnings)
Income before provision for income taxes. It is needed to analyze profitability independent of tax structures.
⚙️ Cost & Drag Factors
Cost of Revenue (Production Cost)
Direct costs required to produce and deliver the products or services sold. It is needed to assess efficiency in production and service delivery.
Total Operating Expenses (Operating Cost)
Indirect costs of running the business such as salaries, marketing, and administration. It is needed to understand how much it costs to sustain ongoing business operations.
Income Tax Expense (Tax Drag)
Amount of taxes paid or payable to the government. It is needed to evaluate the impact of taxation on overall profitability.
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