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SHG 
Shinhan Financial Group Co Ltd (SHG)
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Upturn Advisory Summary
12/24/2025: SHG (3-star) is a REGULAR-BUY. BUY since 167 days. Simulated Profits (56.88%). Updated daily EoD!
Upturn Star Rating
Moderate Performance
These Stocks/ETFs, based on Upturn Advisory, typically align with the market average, offering steady but unremarkable returns.
Number of Analysts
1 Analysts rated it
Very few follow this stock; limited insights, higher-risk early investing.
1 Year Target Price $70.71
1 Year Target Price $70.71
| 1 | Strong Buy |
| 0 | Buy |
| 0 | Hold |
| 0 | Sell |
| 0 | Strong Sell |
Analysis of Past Performance
Type Stock | Historic Profit 63.42% | Avg. Invested days 53 | Today’s Advisory WEAK BUY |
Upturn Star Rating | Upturn Advisory Performance  3.0 | Stock Returns Performance  3.0 |
| Profits based on simulation | Last Close 12/24/2025 |
Key Highlights
Company Size Large-Cap Stock | Market Capitalization 26.48B USD | Price to earnings Ratio 8.29 | 1Y Target Price 70.71 |
Price to earnings Ratio 8.29 | 1Y Target Price 70.71 | ||
Volume (30-day avg) 1 | Beta 0.59 | 52 Weeks Range 28.03 - 56.13 | Updated Date 12/26/2025 |
52 Weeks Range 28.03 - 56.13 | Updated Date 12/26/2025 | ||
Dividends yield (FY) 2.93% | Basic EPS (TTM) 6.53 |
Earnings Date
Report Date - | When - | Estimate - | Actual - |
Profitability
Profit Margin 32.31% | Operating Margin (TTM) 48.94% |
Management Effectiveness
Return on Assets (TTM) 0.65% | Return on Equity (TTM) 8.35% |
Valuation
Trailing PE 8.29 | Forward PE 4.08 | Enterprise Value 34638670069760 | Price to Sales(TTM) - |
Enterprise Value 34638670069760 | Price to Sales(TTM) - | ||
Enterprise Value to Revenue 10.03 | Enterprise Value to EBITDA - | Shares Outstanding 481594933 | Shares Floating 446086940 |
Shares Outstanding 481594933 | Shares Floating 446086940 | ||
Percent Insiders - | Percent Institutions 4.43 |
Upturn AI SWOT
Shinhan Financial Group Co Ltd
Company Overview
History and Background
Shinhan Financial Group Co., Ltd. was founded in 1982 as Shinhan Bank. It has since grown into one of South Korea's largest and most diversified financial services groups. Key milestones include its establishment as a holding company in 2001, acquisitions of various financial entities, and expansion into international markets. The group has a strong reputation for digital innovation and customer service.
Core Business Areas
- Banking: Offers a comprehensive range of banking services including retail banking, corporate banking, international banking, and wealth management through Shinhan Bank, its primary subsidiary. This includes deposits, loans, credit cards, and foreign exchange services.
- Securities: Provides investment banking, brokerage, asset management, and trading services through Shinhan Investment Corp. This segment deals with securities underwriting, sales, and advisory services.
- Insurance: Offers life and non-life insurance products through Shinhan Life Insurance and Shinhan Insurance (formerly Shinhan DS), covering various protection and savings needs.
- Credit Card: Operates one of the leading credit card businesses in Korea through Shinhan Card, offering a wide array of credit and debit card products and services.
- Other Financial Services: Includes asset management, leasing, venture capital, and digital financial platforms, further diversifying its service offerings.
Leadership and Structure
Shinhan Financial Group is led by a Board of Directors and a CEO. Its structure is that of a holding company, overseeing a diverse range of financial subsidiaries, each with its own management team and operational focus. Key subsidiaries include Shinhan Bank, Shinhan Investment Corp., Shinhan Life Insurance, and Shinhan Card.
Top Products and Market Share
Key Offerings
- Description: Shinhan Bank offers a wide array of deposit accounts (savings, checking, time deposits) and loan products (mortgages, personal loans, corporate loans). It holds a significant market share in the Korean banking sector. Competitors include KB Kookmin Bank, Woori Bank, and Hana Financial Group.
- Product Name 1: Shinhan Bank's Deposit and Loan Products
- Description: Shinhan Card is a market leader in South Korea's credit card industry, offering diverse card products with various benefits and reward programs. Its market share is substantial. Key competitors include Samsung Card, Hyundai Card, and KB Kookmin Card.
- Product Name 2: Shinhan Card's Credit and Debit Cards
- Description: Shinhan Investment provides securities trading, investment advisory, and asset management services. It competes with other major Korean securities firms like Korea Investment & Securities and NH Investment & Securities.
- Product Name 3: Shinhan Investment's Brokerage and Asset Management
Market Dynamics
Industry Overview
The financial services industry in South Korea is highly competitive and mature, characterized by a few large conglomerates (Chaebols) dominating the market. It is increasingly influenced by digital transformation, with a growing emphasis on fintech, mobile banking, and AI-driven services. Regulatory changes and interest rate fluctuations also play a significant role.
Positioning
Shinhan Financial Group is a dominant player in the South Korean financial services market, known for its strong brand recognition, extensive customer base, and commitment to digital innovation. Its diversified business model across banking, securities, and insurance provides resilience. Its competitive advantages lie in its integrated financial platform and its ability to leverage technology to enhance customer experience.
Total Addressable Market (TAM)
The TAM for financial services in South Korea is substantial, encompassing banking, investment, insurance, and related financial products for a population of approximately 51 million. Shinhan Financial Group, along with its main domestic competitors, captures a significant portion of this market, with ongoing efforts to expand into international markets and digital channels to further address the TAM.
Upturn SWOT Analysis
Strengths
- Strong brand reputation and customer loyalty in South Korea.
- Diversified business portfolio across banking, securities, and insurance.
- Leadership in digital innovation and fintech adoption.
- Extensive branch network and customer base.
- Robust capital position and financial stability.
Weaknesses
- High reliance on the South Korean domestic market.
- Potential for increased competition from non-bank financial institutions and fintech startups.
- Regulatory risks and evolving compliance requirements.
- Integration challenges with acquired entities.
Opportunities
- Expansion into growing overseas markets, particularly in Asia.
- Leveraging AI and big data for personalized financial services and risk management.
- Growth in digital banking and platform services.
- Increased demand for wealth management and retirement planning services.
- Strategic partnerships and M&A activities to enhance service offerings.
Threats
- Intensifying competition from both domestic and international players.
- Economic downturns and rising interest rates impacting profitability.
- Cybersecurity risks and data breaches.
- Changes in government policies and regulations affecting the financial sector.
- Geopolitical instability impacting global markets.
Competitors and Market Share
Key Competitors
- KB Financial Group Inc. (KB)
- Woori Financial Group Inc. (WOOR)
- Hana Financial Group Inc. (HANA)
Competitive Landscape
Shinhan Financial Group competes intensely with other large Korean financial conglomerates. Its advantages include a strong digital strategy and a diverse product offering. However, it faces challenges from nimble fintech startups and the need to continuously adapt to changing consumer preferences and regulatory environments.
Growth Trajectory and Initiatives
Historical Growth: Shinhan Financial Group has a proven track record of consistent growth, driven by organic expansion, strategic acquisitions, and a strong focus on digital transformation and customer-centric strategies. Its diversification has also contributed to stable growth.
Future Projections: Future growth is projected to be driven by continued digital innovation, expansion into new markets, and increasing demand for diversified financial products. Analyst estimates would typically forecast steady but moderate growth, with potential upside from new ventures and international expansion.
Recent Initiatives: Recent initiatives likely include investments in AI and big data for personalized services, expansion of its digital banking platform, exploring new business opportunities in areas like fintech and sustainable finance, and strategic partnerships to broaden its reach.
Summary
Shinhan Financial Group is a robust and diversified South Korean financial services provider with a strong market position. Its strengths lie in its brand, digital capabilities, and broad service offerings. While it faces intense competition and economic uncertainties, its strategic focus on innovation and international expansion presents significant growth opportunities. Continued vigilance against cybersecurity threats and adaptation to regulatory changes are crucial for its sustained success.
Similar Stocks
Sources and Disclaimers
Data Sources:
- Company investor relations websites
- Reputable financial news outlets
- Industry analysis reports
- Stock market data providers
Disclaimers:
This analysis is based on publicly available information and does not constitute investment advice. Financial data and market positions are subject to change. Investors should conduct their own due diligence before making any investment decisions.
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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