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Shinhan Financial Group Co., Ltd. SHG

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Price alert · SHG

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63.17 USD -1.89 (-2.91%)

At closeNov 5, 2026, 4:00 PM EST

63.17 0.00 0.00%

After hours · Nov 5, 4:00 PM ET

62.68 Day range 66.24
51.70 52-week range 84.47
YTD
+17.79%
1 year
+19.35%

Financial health

Altman Z-Score

0.14 Distress zone

Bankruptcy-risk model: below 1.81 distress, above 2.99 safe.

Piotroski F-Score

7 / 9 Strong

Nine pass/fail tests of profitability, leverage and efficiency.

Rating

C2 / 5 overall

  • DCF 3
  • Return on Equity 1
  • Return on Assets 1
  • Debt / Equity 1
  • P/E 3
  • P/B 1

Valuation

P/E 7.9×
FY 2016: 7.9×FY 2017: 8.1×FY 2018: 5.9×FY 2019: 6.3×FY 2020: 4.9×FY 2021: 5.0×FY 2022: 3.8×FY 2023: 4.9×FY 2024: 5.7×FY 2025: 7.9×
FY 2016 5y median 5.0× FY 2025
P/S 1.1×
FY 2016: 1.6×FY 2017: 1.6×FY 2018: 1.2×FY 2019: 0.8×FY 2020: 0.6×FY 2021: 0.8×FY 2022: 0.7×FY 2023: 0.6×FY 2024: 0.7×FY 2025: 1.1×
FY 2016 5y median 0.7× FY 2025
P/B 0.7×
FY 2016: 0.7×FY 2017: 0.7×FY 2018: 0.5×FY 2019: 0.5×FY 2020: 0.4×FY 2021: 0.4×FY 2022: 0.4×FY 2023: 0.4×FY 2024: 0.4×FY 2025: 0.7×
FY 2016 5y median 0.4× FY 2025
P/FCF 4.2×
FY 2016: 6.2×FY 2017: 31.1×FY 2018: -2.8×FY 2019: 3.2×FY 2020: -3.2×FY 2021: 1.9×FY 2022: 2.7×FY 2023: -111×FY 2024: 6.4×FY 2025: 4.2×
FY 2016 5y median 2.7× FY 2025
EV/EBITDA 20.8×
FY 2016: 0.0×FY 2017: 0.0×FY 2018: 0.0×FY 2019: 18.9×FY 2020: 17.9×FY 2021: 19.3×FY 2022: 15.7×FY 2023: 18.0×FY 2024: 18.2×FY 2025: 20.8×
FY 2016 5y median 18.2× FY 2025
EV/Sales 4.9×
FY 2016: 5.5×FY 2017: 7.5×FY 2018: 5.9×FY 2019: 4.0×FY 2020: 3.8×FY 2021: 4.9×FY 2022: 4.7×FY 2023: 3.8×FY 2024: 3.8×FY 2025: 4.9×
FY 2016 5y median 4.7× FY 2025
FCF Yield 23.7%
FY 2016: 16.1%FY 2017: 3.2%FY 2018: -35.4%FY 2019: 31.4%FY 2020: -31.2%FY 2021: 51.9%FY 2022: 37.2%FY 2023: -0.9%FY 2024: 15.7%FY 2025: 23.7%
FY 2016 5y median 23.7% FY 2025

Profitability

Gross Margin 47.4%
FY 2016: 100.0%FY 2017: 100.0%FY 2018: 100.0%FY 2019: 73.8%FY 2020: 75.7%FY 2021: 80.9%FY 2022: 56.1%FY 2023: 44.0%FY 2024: 44.0%FY 2025: 47.4%
FY 2016 5y median 47.4% FY 2025
Operating Margin 20.0%
FY 2016: 53.0%FY 2017: 30.8%FY 2018: 59.3%FY 2019: 18.5%FY 2020: 18.5%FY 2021: 21.7%FY 2022: 25.9%FY 2023: 17.6%FY 2024: 17.0%FY 2025: 20.0%
FY 2016 5y median 20.0% FY 2025
Net Margin 14.3%
FY 2016: 20.6%FY 2017: 20.0%FY 2018: 19.9%FY 2019: 12.8%FY 2020: 13.3%FY 2021: 15.6%FY 2022: 19.0%FY 2023: 12.9%FY 2024: 12.6%FY 2025: 14.3%
FY 2016 5y median 14.3% FY 2025
ROE 9.3%
FY 2016: 8.9%FY 2017: 8.9%FY 2018: 8.8%FY 2019: 8.7%FY 2020: 7.7%FY 2021: 8.4%FY 2022: 9.2%FY 2023: 8.1%FY 2024: 7.9%FY 2025: 9.3%
FY 2016 5y median 8.4% FY 2025
ROIC 0.6%
FY 2016: 4.6%FY 2017: 2.3%FY 2018: 3.9%FY 2019: 1.6%FY 2020: 1.4%FY 2021: 1.6%FY 2022: 1.9%FY 2023: 1.6%FY 2024: 1.6%FY 2025: 0.6%
FY 2016 5y median 1.6% FY 2025
ROA 0.6%
FY 2016: 0.7%FY 2017: 0.7%FY 2018: 0.7%FY 2019: 0.6%FY 2020: 0.6%FY 2021: 0.6%FY 2022: 0.7%FY 2023: 0.6%FY 2024: 0.6%FY 2025: 0.6%
FY 2016 5y median 0.6% FY 2025

Growth (YoY)

Revenue -2.0%
FY 2016: 0.7%FY 2017: 8.2%FY 2018: 8.9%FY 2019: 66.8%FY 2020: -2.9%FY 2021: 0.1%FY 2022: -4.6%FY 2023: 37.6%FY 2024: 4.7%FY 2025: -2.0%
FY 2016 FY 2025
Operating Income 14.9%
FY 2016: -4.6%FY 2017: -37.2%FY 2018: 109.7%FY 2019: -47.8%FY 2020: -3.2%FY 2021: 17.5%FY 2022: 14.0%FY 2023: -6.3%FY 2024: 1.1%FY 2025: 14.9%
FY 2016 FY 2025
EPS (diluted) 16.2%
FY 2016: 19.8%FY 2017: 6.7%FY 2018: 8.9%FY 2019: 5.0%FY 2020: -4.9%FY 2021: 9.8%FY 2022: 16.3%FY 2023: -5.3%FY 2024: 4.9%FY 2025: 16.2%
FY 2016 FY 2025
Free Cash Flow 136.4%
FY 2016: 27.4%FY 2017: -78.2%FY 2018: -977.0%FY 2019: 199.5%FY 2020: -176.7%FY 2021: 301.7%FY 2022: -34.7%FY 2023: -102.8%FY 2024: 2164.2%FY 2025: 136.4%
FY 2016 FY 2025

Financial Health

Current Ratio 0.4×
FY 2016: 0.3×FY 2017: 0.2×FY 2018: 0.2×FY 2019: 0.3×FY 2020: 0.3×FY 2021: 0.3×FY 2022: 0.3×FY 2023: 0.3×FY 2024: 0.3×FY 2025: 0.4×
FY 2016 5y median 0.3× FY 2025
Quick Ratio 0.4×
FY 2016: 0.3×FY 2017: 0.2×FY 2018: 0.2×FY 2019: 0.3×FY 2020: 0.3×FY 2021: 0.3×FY 2022: 0.3×FY 2023: 0.3×FY 2024: 0.3×FY 2025: 0.4×
FY 2016 5y median 0.3× FY 2025
Debt / Equity 2.9×
FY 2016: 2.3×FY 2017: 3.4×FY 2018: 2.6×FY 2019: 2.9×FY 2020: 2.7×FY 2021: 2.8×FY 2022: 2.5×FY 2023: 2.7×FY 2024: 2.7×FY 2025: 2.9×
FY 2016 5y median 2.7× FY 2025
Net Debt / EBITDA 16.2×
FY 2016: 0.0×FY 2017: 0.0×FY 2018: 0.0×FY 2019: 15.1×FY 2020: 14.9×FY 2021: 16.3×FY 2022: 13.3×FY 2023: 15.1×FY 2024: 14.9×FY 2025: 16.2×
FY 2016 5y median 15.1× FY 2025
Interest Coverage 0.4×
FY 2016: 1.8×FY 2017: 1.1×FY 2018: 1.9×FY 2019: 0.8×FY 2020: 1.0×FY 2021: 1.4×FY 2022: 0.7×FY 2023: 0.4×FY 2024: 0.3×FY 2025: 0.4×
FY 2016 5y median 0.4× FY 2025

Dividends

Dividend Yield 3.4%
FY 2016: 3.1%FY 2017: 3.0%FY 2018: 3.8%FY 2019: 4.0%FY 2020: 6.0%FY 2021: 6.2%FY 2022: 8.6%FY 2023: 7.1%FY 2024: 5.2%FY 2025: 3.4%
FY 2016 5y median 6.2% FY 2025
Payout Ratio 26.0%
FY 2016: 24.1%FY 2017: 24.2%FY 2018: 22.6%FY 2019: 24.4%FY 2020: 28.4%FY 2021: 30.3%FY 2022: 33.0%FY 2023: 33.5%FY 2024: 28.5%FY 2025: 26.0%
FY 2016 5y median 30.3% FY 2025

Annual · latest fiscal year ends 2025-12-31