Obermatt

Shinhan Financial Group

KSC:055550 · KR7055550008
BanksSmall

360

80
Profit price78
Cash yield41
Price/Sales44
EV / Gross Profit58
Price/Book36
Returns on capital36
Profit margins
Cash Conversion16
Accruals38
Owner Earnings Margin41
Sales growth31
Profit Growth67
Long-Term EPS Growth75
Owner Earnings Growth32
Reinvestment13
Price momentum83
Debt load26
Debt serviceability65
Liquidity72
Analyst ratings86
Opinion Changes50
Price Target Upside77
Market mood86
Value Creation10/20creating some value
  • Creates more value than its capital costs
  • Owner earnings growing
  • Owner earnings per share growing
  • Reinvests at strong returns
  • Solid earnings base

What this means

Shinhan Financial Group clears its cost of capital, but the record is mixed across the five tests. Real value creation, just not yet consistent.

Based on 3/5 components.

Profile

CountrySouth Korea
IndustryBanks
SizeSmall
TypePublic Company
ExchangeKOSE
Founded2001
ISINKR7055550008
Last UpdateApr 2, 2026
Themes
Electronic Money Institutions (EMIs)Business DevelopmentFinanceFinancial Services

Description

Shinhan Financial Group Co., Ltd. operates as a financial institution in Korea. As of December 31, 2025, the company had 15 direct and 32 indirect subsidiaries offering a wide range of financial products and services, including commercial banking, c…

Analysis

Deep value

Shinhan Financial Group Co., Ltd. looks superficially cheap, but weak underlying metrics raise the question of whether this is value or a trap.

On valuation, the picture is attractive. The owner-earnings multiple stands at 8.0×; owner earnings: the cash an owner could take out each year. The implied growth embedded in that price is around -6% a year, against analyst forecasts of 14%. The price, in other words, assumes less than the experts do.

Growth is moderate; the safety picture is sturdy. The company scores 10/20 on our value-creation score: creating some value. Analysts lean positive.

No flags apply to this company at this time: accounts, balance sheet, and cash quality all pass. A clean bill of health is meaningful, not just the absence of a warning. This analysis describes numbers; it is not investment advice.

360° rank · history

1007550250
73
2023202420252026

All-time high

86

Mar 2026

All-time low

51

Jan 2025

Average rank

75

across all years

Detailed & Historical Ranks

Deep dive into 15 detailed ranks and 3 years of history.

Current202520242023
Price/Sales
44
76
63
56
Price/Earnings
48
90
88
84
Price/Book
36
78
61
45
Dividend Yield
41
74
87
85
Value (overall)
45
91
90
81

Cells are coloured by rank band (red weak → green strong). Sentiment & 360° history begins 2023.

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Make Sense of the Ranks

Every rank runs 1–100 against true peers. Higher is always better.

360° View
1 · Watch OutGood· 100
Value
1 · ExpensiveGood Value· 100
Quality
1 · Weak FundamentalsHigh Quality· 100
Growth
1 · Tough TimesHigh Growth· 100
Safety
1 · High LeverageWell-Financed· 100
Sentiment
1 · SkepticismPositive· 100
Learn More →