# Shinhan Financial Group Co Ltd (SHG) fundamentals

Data as of 2026-11-04. NYSE, United States. Sector: Financial Services / Banks. Price $63.28, market value $29.3 billion.

## Valuation
- **P/E (trailing): 7.9×** (5-yr avg 0.0×, 3-yr avg 0.0×). Shinhan Financial Group Co Ltd trades at 7.9× trailing earnings, well above its own five-year average of 0.0×: investors are paying up relative to the company's past. The Financial Services median in the September 2026 study was 13.1×. Forward P/E is 6.1×, lower than trailing, so analysts expect earnings to grow.
- **PEG: 0.38**. A PEG of 0.38 means the P/E is low relative to expected earnings growth: the market is not paying much for that growth.
- **Price / sales: 0.0×**. Each dollar of revenue is priced at 0.0×, a low multiple typical of thin-margin businesses or out-of-favour stocks.
- **Price / book: 0.0×**. The shares trade below book value, which can signal a bargain or a balance sheet the market doubts.
- **Free-cash-flow yield: 31044.3%**. Free cash flow equals 31044.3% of the market value. Above 5% is generally attractive.
- **Earnings yield: 12.6%**. The inverse of the P/E: 12.6% of the price is earned each year.

## Profitability
- **Net margin: 27.0%**. 27.0% of each dollar of sales reaches the bottom line.
- **Return on equity: 8.6%**. 8.6% on shareholders' equity is weak; the business earns little on the capital its owners have in it.
- **Return on assets: 0.7%**. Each dollar of assets produces 0.7% of profit; low single digits are normal for banks and insurers.

## Growth
- **Revenue growth (1 yr): 4.7%** (3-yr 6.9%/yr). Revenue grew 4.7% over the last year.
- **EPS growth (1 yr): 16.2%** (3-yr 2.5%/yr, 5-yr 467.3%/yr). Earnings per share rose 16.2%, faster than revenue, so margins expanded or the share count shrank.
- **Free-cash-flow growth (3 yr): 13.3%/yr**. Free cash flow has compounded at 13.3% a year over three years, keeping pace with earnings: the growth is real cash.

## Financial health
- **Piotroski F-score: 6/9**. 6 of 9 checks pass: mixed.
- **Cash and short-term investments: $41.39 trillion**. Leverage ratios are shown differently for banks and insurers, whose balance sheets are built on deposits and reserves; use return on equity and the regulatory capital in the filings instead.

## Dividends
- **Dividend yield: 3.16%** ($2.00 per share, trailing). Shinhan Financial Group Co Ltd yields 3.16%, a modest yield more typical of a growth-oriented payer.
- **Payout ratio: 26%** (14% of free cash flow). 26% of earnings goes out as dividends, leaving room to keep raising it.
- **Shareholder yield: 4270.6%**. Dividends plus net buybacks return 4270.6% of the market value a year.

## Analyst view
- **Analyst consensus: strong_buy** (1 analyst). 1 analysts cover Shinhan Financial Group Co Ltd; the consensus is strong_buy, with an average price target of $98.36 (+55% from the current price). Analyst opinion is shown for context; it is not part of the Fundamental Score.

## Price and momentum
- **Total return (1 yr): 24.4%** (YTD 19.9%, 3-mo -9.7%). The shares are up 24.4% over twelve months including dividends.
- **From 52-week high: -26.0%** (22.7% above the low). Trading 26% below its 52-week high.
- **200-day average: below**. The price sits below its 200-day moving average, the usual definition of a downtrend.
- **RSI (14-day): 25**. An RSI of 25 is oversold; bounces are common, but oversold can stay oversold in a real decline.
- **Beta (1 yr): 1.06** (volatility 34%). Beta of 1.06 against the S&P 500: the shares move roughly with the market.

Live score and charts: https://foliofundamentals.com/analyzer?s=SHG · Page: https://foliofundamentals.com/stocks/shg

Not investment advice.