SHINHAN FINANCIAL GROUP-ADR (SHG) Stock Fundamental Analysis

NYSE:SHG • US8245961003

69.59 USD
-0.31 (-0.44%)
At close: Feb 19, 2026
69.59 USD
0 (0%)
After Hours: 2/19/2026, 8:04:00 PM
Overview Stock Chart Technical Analysis Fundamental Analysis Analyst Ratings Earnings Estimates Financials Ownership News
Fundamental Rating

3

SHG gets a fundamental rating of 3 out of 10. The analysis compared the fundamentals against 381 industry peers in the Banks industry. SHG has a bad profitability rating. Also its financial health evaluation is rather negative. SHG scores decently on growth, while it is valued quite cheap. This could make an interesting combination.


Dividend Valuation Growth Profitability Health

3

1. Profitability

1.1 Basic Checks

  • SHG had positive earnings in the past year.
  • In the past year SHG had a positive cash flow from operations.
  • SHG had positive earnings in each of the past 5 years.
  • SHG had a positive operating cash flow in 4 of the past 5 years.
SHG Yearly Net Income VS EBIT VS OCF VS FCFSHG Yearly Net Income VS EBIT VS OCF VS FCFYearly Net Income VS EBIT VS OCF VS FCF 2016 2017 2018 2019 2020 2021 2022 2023 2024 0 2T -2T 4T -4T 6T -6T

1.2 Ratios

  • Looking at the Return On Assets, with a value of 0.60%, SHG is doing worse than 73.23% of the companies in the same industry.
  • SHG has a Return On Equity of 8.07%. This is comparable to the rest of the industry: SHG outperforms 43.31% of its industry peers.
Industry RankSector Rank
ROA 0.6%
ROE 8.07%
ROIC N/A
ROA(3y)0.62%
ROA(5y)0.6%
ROE(3y)8.1%
ROE(5y)8.02%
ROIC(3y)N/A
ROIC(5y)N/A
SHG Yearly ROA, ROE, ROICSHG Yearly ROA, ROE, ROICYearly ROA, ROE, ROIC 2016 2017 2018 2019 2020 2021 2022 2023 2024 2 4 6 8

1.3 Margins

  • The Profit Margin of SHG (20.29%) is worse than 65.62% of its industry peers.
  • In the last couple of years the Profit Margin of SHG has grown nicely.
  • SHG does not have Operating Margin and Gross Margin available, so we won't be analyzing them here.
Industry RankSector Rank
OM N/A
PM (TTM) 20.29%
GM N/A
OM growth 3YN/A
OM growth 5YN/A
PM growth 3Y4.9%
PM growth 5Y5.81%
GM growth 3YN/A
GM growth 5YN/A
SHG Yearly Profit, Operating, Gross MarginsSHG Yearly Profit, Operating, Gross MarginsYearly Profit, Operating, Gross Margins 2016 2017 2018 2019 2020 2021 2022 2023 2024 5 10 15 20

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ROAROEROICOperating and Profit MarginShow most profitable peers

1

2. Health

2.1 Basic Checks

  • SHG does not have a ROIC to compare to the WACC, probably because it is not profitable.
  • The number of shares outstanding for SHG has been reduced compared to 1 year ago.
  • Compared to 5 years ago, SHG has more shares outstanding
  • The debt/assets ratio for SHG has been reduced compared to a year ago.
SHG Yearly Shares OutstandingSHG Yearly Shares OutstandingYearly Shares Outstanding 2016 2017 2018 2019 2020 2021 2022 2023 2024 100M 200M 300M 400M 500M
SHG Yearly Total Debt VS Total AssetsSHG Yearly Total Debt VS Total AssetsYearly Total Debt VS Total Assets 2016 2017 2018 2019 2020 2021 2022 2023 2024 200T 400T 600T

2.2 Solvency

  • SHG has a debt to FCF ratio of 10.50. This is a negative value and a sign of low solvency as SHG would need 10.50 years to pay back of all of its debts.
  • SHG has a worse Debt to FCF ratio (10.50) than 77.95% of its industry peers.
  • A Debt/Equity ratio of 2.63 is on the high side and indicates that SHG has dependencies on debt financing.
  • With a Debt to Equity ratio value of 2.63, SHG is not doing good in the industry: 91.08% of the companies in the same industry are doing better.
Industry RankSector Rank
Debt/Equity 2.63
Debt/FCF 10.5
Altman-Z N/A
ROIC/WACCN/A
WACC7.67%
SHG Yearly LT Debt VS Equity VS FCFSHG Yearly LT Debt VS Equity VS FCFYearly LT Debt VS Equity VS FCF 2016 2017 2018 2019 2020 2021 2022 2023 2024 0 20T 40T 60T 80T 100T

2.3 Liquidity

Industry RankSector Rank
Current Ratio N/A
Quick Ratio N/A
SHG Yearly Current Assets VS Current LiabilitesSHG Yearly Current Assets VS Current LiabilitesYearly Current Assets VS Current Liabilites 2016 2017 2018 2019 2020 2021 2022 2023 2024 20T 40T 60T

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WACCDebt/EquityHow to determine the health of a companyAltman-Z scoreShow peers with great health

4

3. Growth

3.1 Past

  • The Earnings Per Share has grown by an nice 9.70% over the past year.
  • The Earnings Per Share has been growing slightly by 3.81% on average over the past years.
  • The Revenue has been growing slightly by 4.43% in the past year.
  • The Revenue has been decreasing by -0.73% on average over the past years.
EPS 1Y (TTM)9.7%
EPS 3Y2.1%
EPS 5Y3.81%
EPS Q2Q%14.1%
Revenue 1Y (TTM)4.43%
Revenue growth 3Y-1.74%
Revenue growth 5Y-0.73%
Sales Q2Q%-7.07%

3.2 Future

  • The Earnings Per Share is expected to grow by 13.07% on average over the next years. This is quite good.
  • The Revenue is expected to grow by 3.97% on average over the next years.
EPS Next Y23.61%
EPS Next 2Y15.16%
EPS Next 3Y13.07%
EPS Next 5YN/A
Revenue Next Year4.72%
Revenue Next 2Y4.31%
Revenue Next 3Y3.97%
Revenue Next 5YN/A

3.3 Evolution

  • When comparing the EPS growth rate of the last years to the growth rate of the upcoming years, we see that the growth is accelerating.
  • The Revenue growth rate is accelerating: in the next years the growth will be better than in the last years.
SHG Yearly Revenue VS EstimatesSHG Yearly Revenue VS EstimatesYearly Revenue VS Estimates 2015 2016 2017 2018 2019 2020 2021 2022 2023 2024 2025 2026 2027 5T 10T 15T 20T
SHG Yearly EPS VS EstimatesSHG Yearly EPS VS EstimatesYearly EPS VS Estimates 2015 2016 2017 2018 2019 2020 2021 2022 2023 2024 2025 2026 2027 2K 4K 6K 8K 10K

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Find the best growth stocksShow best growing peers

7

4. Valuation

4.1 Price/Earnings Ratio

  • The Price/Earnings ratio is 10.36, which indicates a very decent valuation of SHG.
  • SHG's Price/Earnings ratio is rather cheap when compared to the industry. SHG is cheaper than 81.10% of the companies in the same industry.
  • When comparing the Price/Earnings ratio of SHG to the average of the S&P500 Index (27.09), we can say SHG is valued rather cheaply.
  • A Price/Forward Earnings ratio of 8.84 indicates a reasonable valuation of SHG.
  • SHG's Price/Forward Earnings ratio is rather cheap when compared to the industry. SHG is cheaper than 84.51% of the companies in the same industry.
  • SHG is valuated cheaply when we compare the Price/Forward Earnings ratio to 27.98, which is the current average of the S&P500 Index.
Industry RankSector Rank
PE 10.36
Fwd PE 8.84
SHG Price Earnings VS Forward Price EarningsSHG Price Earnings VS Forward Price Earnings ChartPrice Earnings - Forward Price Earnings PE FPE 5 10 15 20 25

4.2 Price Multiples

  • 96.33% of the companies in the same industry are more expensive than SHG, based on the Price/Free Cash Flow ratio.
Industry RankSector Rank
P/FCF 3.3
EV/EBITDA N/A
SHG Per share dataSHG EPS, Sales, OCF, FCF, BookValue per sharePer Share Data Per Share 20 40 60 80

4.3 Compensation for Growth

  • The low PEG Ratio(NY), which compensates the Price/Earnings for growth, indicates a rather cheap valuation of the company.
  • SHG's earnings are expected to grow with 13.07% in the coming years. This may justify a more expensive valuation.
PEG (NY)0.44
PEG (5Y)2.72
EPS Next 2Y15.16%
EPS Next 3Y13.07%

More info and screens

Price/EarningsPrice/FCFFCF per shareEV/EBITDAPEG RATIOShow best valued peers

5

5. Dividend

5.1 Amount

  • SHG has a Yearly Dividend Yield of 2.12%.
  • Compared to an average industry Dividend Yield of 2.78, SHG is paying slightly less dividend.
  • SHG's Dividend Yield is comparable with the S&P500 average which is at 1.85.
Industry RankSector Rank
Dividend Yield 2.12%

5.2 History

  • On average, the dividend of SHG grows each year by 7.01%, which is quite nice.
  • SHG has been paying a dividend for at least 10 years, so it has a reliable track record.
  • The dividend of SHG decreased recently.
Dividend Growth(5Y)7.01%
Div Incr Years1
Div Non Decr Years1
SHG Yearly Dividends per shareSHG Yearly Dividends per shareYearly Dividends per share 2016 2017 2018 2019 2020 2021 2022 2023 2024 2025 100 200 300 400 500

5.3 Sustainability

  • 27.66% of the earnings are spent on dividend by SHG. This is a low number and sustainable payout ratio.
  • The dividend of SHG is growing, but earnings are growing more, so the dividend growth is sustainable.
DP27.66%
EPS Next 2Y15.16%
EPS Next 3Y13.07%
SHG Yearly Income VS Free CF VS DividendSHG Yearly Income VS Free CF VS DividendYearly Income VS Free CF VS Dividend 2016 2017 2018 2019 2020 2021 2022 2023 2024 0 2T -2T 4T -4T 6T -6T
SHG Dividend Payout.SHG Dividend Payout, showing the Payout Ratio.SHG Dividend Payout.PayoutRetained Earnings

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SHINHAN FINANCIAL GROUP-ADR

NYSE:SHG (2/19/2026, 8:04:00 PM)

After market: 69.59 0 (0%)

69.59

-0.31 (-0.44%)

Chartmill FA Rating
GICS SectorFinancials
GICS IndustryGroupBanks
GICS IndustryBanks
Earnings (Last)02-05
Earnings (Next)04-23
Inst Owners42.05%
Inst Owner Change-3.07%
Ins Owners0.01%
Ins Owner ChangeN/A
Market Cap33.03B
Revenue(TTM)23.02T
Net Income(TTM)4.67T
Analysts84.14
Price Target68.32 (-1.82%)
Short Float %0.07%
Short Ratio1.45
Dividend
Industry RankSector Rank
Dividend Yield 2.12%
Yearly Dividend1.77
Dividend Growth(5Y)7.01%
DP27.66%
Div Incr Years1
Div Non Decr Years1
Ex-DateN/A
Surprises & Revisions
EPS beat(2)2
Avg EPS beat(2)3.51%
Min EPS beat(2)3.27%
Max EPS beat(2)3.76%
EPS beat(4)3
Avg EPS beat(4)-9.06%
Min EPS beat(4)-44.89%
Max EPS beat(4)3.76%
EPS beat(8)4
Avg EPS beat(8)-14.55%
EPS beat(12)4
Avg EPS beat(12)-15.6%
EPS beat(16)6
Avg EPS beat(16)-11.63%
Revenue beat(2)1
Avg Revenue beat(2)-0.83%
Min Revenue beat(2)-7.96%
Max Revenue beat(2)6.31%
Revenue beat(4)3
Avg Revenue beat(4)10.58%
Min Revenue beat(4)-7.96%
Max Revenue beat(4)37.09%
Revenue beat(8)7
Avg Revenue beat(8)8.05%
Revenue beat(12)8
Avg Revenue beat(12)5.61%
Revenue beat(16)12
Avg Revenue beat(16)17.02%
PT rev (1m)7.1%
PT rev (3m)9.4%
EPS NQ rev (1m)1.46%
EPS NQ rev (3m)0.25%
EPS NY rev (1m)1.29%
EPS NY rev (3m)0.32%
Revenue NQ rev (1m)0.25%
Revenue NQ rev (3m)-0.89%
Revenue NY rev (1m)0%
Revenue NY rev (3m)0.09%
Valuation
Industry RankSector Rank
PE 10.36
Fwd PE 8.84
P/S 2.08
P/FCF 3.3
P/OCF 3.16
P/B 0.83
P/tB 0.92
EV/EBITDA N/A
EPS(TTM)6.72
EY9.66%
EPS(NY)7.88
Fwd EY11.32%
FCF(TTM)21.1
FCFY30.31%
OCF(TTM)22.05
OCFY31.69%
SpS33.45
BVpS84.1
TBVpS75.52
PEG (NY)0.44
PEG (5Y)2.72
Graham Number112.77
Profitability
Industry RankSector Rank
ROA 0.6%
ROE 8.07%
ROCE N/A
ROIC N/A
ROICexc N/A
ROICexgc N/A
OM N/A
PM (TTM) 20.29%
GM N/A
FCFM 63.06%
ROA(3y)0.62%
ROA(5y)0.6%
ROE(3y)8.1%
ROE(5y)8.02%
ROIC(3y)N/A
ROIC(5y)N/A
ROICexc(3y)N/A
ROICexc(5y)N/A
ROICexgc(3y)N/A
ROICexgc(5y)N/A
ROCE(3y)N/A
ROCE(5y)N/A
ROICexgc growth 3YN/A
ROICexgc growth 5YN/A
ROICexc growth 3YN/A
ROICexc growth 5YN/A
OM growth 3YN/A
OM growth 5YN/A
PM growth 3Y4.9%
PM growth 5Y5.81%
GM growth 3YN/A
GM growth 5YN/A
F-Score7
Asset Turnover0.03
Health
Industry RankSector Rank
Debt/Equity 2.63
Debt/FCF 10.5
Debt/EBITDA N/A
Cap/Depr 50.43%
Cap/Sales 2.86%
Interest Coverage N/A
Cash Conversion N/A
Profit Quality 310.75%
Current Ratio N/A
Quick Ratio N/A
Altman-Z N/A
F-Score7
WACC7.67%
ROIC/WACCN/A
Cap/Depr(3y)71.87%
Cap/Depr(5y)79.56%
Cap/Sales(3y)3.65%
Cap/Sales(5y)3.48%
Profit Quality(3y)N/A
Profit Quality(5y)N/A
High Growth Momentum
Growth
EPS 1Y (TTM)9.7%
EPS 3Y2.1%
EPS 5Y3.81%
EPS Q2Q%14.1%
EPS Next Y23.61%
EPS Next 2Y15.16%
EPS Next 3Y13.07%
EPS Next 5YN/A
Revenue 1Y (TTM)4.43%
Revenue growth 3Y-1.74%
Revenue growth 5Y-0.73%
Sales Q2Q%-7.07%
Revenue Next Year4.72%
Revenue Next 2Y4.31%
Revenue Next 3Y3.97%
Revenue Next 5YN/A
EBIT growth 1YN/A
EBIT growth 3YN/A
EBIT growth 5YN/A
EBIT Next YearN/A
EBIT Next 3YN/A
EBIT Next 5YN/A
FCF growth 1Y145.44%
FCF growth 3Y5.15%
FCF growth 5Y-10.2%
OCF growth 1Y125.27%
OCF growth 3Y3.28%
OCF growth 5Y-8.41%

SHINHAN FINANCIAL GROUP-ADR / SHG FAQ

What is the fundamental rating for SHG stock?

ChartMill assigns a fundamental rating of 3 / 10 to SHG.


What is the valuation status of SHINHAN FINANCIAL GROUP-ADR (SHG) stock?

ChartMill assigns a valuation rating of 7 / 10 to SHINHAN FINANCIAL GROUP-ADR (SHG). This can be considered as Undervalued.


Can you provide the profitability details for SHINHAN FINANCIAL GROUP-ADR?

SHINHAN FINANCIAL GROUP-ADR (SHG) has a profitability rating of 3 / 10.


What is the valuation of SHINHAN FINANCIAL GROUP-ADR based on its PE and PB ratios?

The Price/Earnings (PE) ratio for SHINHAN FINANCIAL GROUP-ADR (SHG) is 10.36 and the Price/Book (PB) ratio is 0.83.


Can you provide the expected EPS growth for SHG stock?

The Earnings per Share (EPS) of SHINHAN FINANCIAL GROUP-ADR (SHG) is expected to grow by 23.61% in the next year.