Verdict: Side-by-side breakdown using the Bull Rankings model. SHG scored 69.0, ZION scored 74.0 — ZION leads.
Compare another set
SHG
Shinhan Financial Group Co., Ltd.
Banks - Regional · Financial strength
66.4Fin
$74.59 · $35.1B
fundamentals as of
Strength gap
9.6
ZION leads
ZION
Zions Bancorporation, National Association
Banks - Regional · Financial strength
76Fin
$62.23 · $9.1B
fundamentals as of
At a glance · who leads each dimension, on the model's own rules
CheapestZION7.9x
Fastest growthZION+8.1%
Side by side · every name on one set of axes
Growth against the P/E multiple. Up and to the right is cheaper and faster — the quality-growth idea in one picture. Points beyond the axis are pinned to the edge and marked off-scale rather than allowed to compress everything else.
Fundamentals, head-to-head
SHG
ZION
+4.7%C+
Rev
+8.1%B
10.0xA-
P/E
7.9xA-
8.9%C+
ROE
16.4%B+
0.81A-
P/B
1.20B+
2.7%B
Yield
3.1%B
Winner per row is the stronger grade; where grades tie, the better figure breaks it. A true tie or a missing value shows no highlight.
The companies
SHGShinhan Financial Group Co., Ltd.
Banks - Regional · $74.59 · beta 0.67
Why now
Banks - Regional · market cap $35.1b. 13% off the 52-week high of $85.57.
Moat
Net margin 26% sits well above the S&P median (~11%) — suggests structural pricing advantage or cost discipline competitors can't quickly close. Financial moat — scale of deposit base / underwriting franchise plus regulatory capital advantages. The largest players compound book value through cycles that erase smaller competitors.
Risk
Balance-sheet financial — book value, net interest margin, and credit loss provisions are the lever points; a rates regime change or a deterioration in the loan book moves the stock more than EPS does.
ZIONZions Bancorporation, National Association
Banks - Regional · $62.23 · beta 0.83
Why now
Banks - Regional · market cap $9.1b. 15% off the 52-week high of $73.34. 22 sell-side analysts rate this a Hold with a mean 1-yr target of $72.91 (implying +17% upside).
Moat
Net margin 32% is exceptional — pricing-power territory rare outside premium software, branded staples, and specialty pharma. ROE 16% is above 15% — the equity base is compounding at a rate the market struggles to discount accurately. Financial moat — scale of deposit base / underwriting franchise plus regulatory capital advantages. The largest players compound book value through cycles that erase smaller competitors.
Risk
Regulatory capital risk — stricter capital requirements (CCAR, Basel) can force a dividend cut or a capital raise; the largest banks are most exposed because they're held to the tightest standards.
Verdict — model-derived comparison
Generating verdict… typically 5–10 seconds
Not investment advice. The Bull Rankings publishes a quantitative ranking model and accompanying analysis for general informational purposes only. Nothing on this page is a recommendation to buy, sell, or hold any security; nothing is personalized to your circumstances, risk tolerance, or tax situation. Investing carries the risk of loss — invest at your own risk and consider consulting a licensed financial professional before acting on anything you read here. See terms and methodology for full disclosures.
Common questions
Is ZION or SHG the better stock?
ZION scores higher: ZION 74.0, SHG 69.0 out of 100 on the Bull Rankings quality-growth score, which blends business quality, growth and valuation into one number. A higher score means a stronger business at a more reasonable price — it is not a price target or a recommendation.
How are ZION and SHG scored?
Each carries the same 0–100 quality-growth score used everywhere on the site, built from three pillars — quality (profitability and returns on capital), growth (revenue and earnings), and value (what you pay for them) — combined as a geometric mean, so a weak pillar cannot be papered over by a strong one.
How current is this comparison?
The whole universe is re-scored every trading day after the US market close, so the scores and fundamentals here reflect the latest published edition.