Bull Rankings model

Shinhan Financial Group Co., Ltd. (SHG) stock analysis

Banks - Regional. Scored on the same transparent model behind the daily rankings.

★
SHG
Shinhan Financial Group Co., Ltd. · Banks - Regional
66.4Financial strength
$74.59Oct 13 close$35.1B
1Y Target$80.56Model estimate · no analyst coverage
5Y Target$101.70Compound horizon
10Y Target$130.43Long-dated conviction
Rev+4.7%
C+
Revenue +4.7% — steady but below market-beating range
P/E10.0x
A-
P/E 10.0 — cheaper than most Financial Services peers (≈25th pctile)
ROE8.9%
C+
ROE 8.9% — subdued returns on equity
P/B0.81
A-
P/B 0.81 — near book, cheap for a profitable franchise
Yield2.7%
B
Yield 2.7% — modest income

Targets: 1-year is analyst consensus where covered, 5- and 10-year are model estimates; the DCF is a cross-check, not a target. Methodology

Financial strength · 66.4 / 100
Profitability50.8
Value (P/B)92.1
Income63.7

A peer-relative read for financials on profitability (ROE), valuation, and covered income — the quality-growth (FCF/ROIC) screen doesn't apply to balance-sheet businesses. Not comparable to the 0–100 quality-growth score shown on other stocks.

Entry · Margin of safety
52-week rangeNear 52-week high
13% off the 12-month high

Model-generatedFrom reported fundamentals, checked against the figures above · Editorial standards

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.
Horizon
1-3 yr $80.56 (structural (no analyst coverage)) — multiple re-rating thesis requires a catalyst. 5 yr $101.70 at ~6% CAGR — dividend + buyback compounding. 10 yr $130.43 if the moat survives secular pressure.
Score history · SHG

Not enough history yet — the model records SHG's score after each daily run, and the chart appears once a few days have accumulated.

SHG at a glance

FINANCIAL STRENGTH · BANKPROFITABILITY51VALUE92COVERED INCOME6466.4/100 on our peer scale — not the quality-growth score.
ONE-YEAR MOVE VS ITS BETAFLATThis stock+52%Trailing one-year price change. Price history is not an inputto the Bull Rankings score.
PRICE IN ITS 52-WEEK RANGE$74.6LOW $50.2HIGH $85.6Trading at the 69th percentile of its 52-week range ($50.2–$85.6).

Same audited fundamentals as the score, unless a card says otherwise.

Analyst estimate revisions

30-day change+9.3%
90-day change+14.6%
Forward EPS estimate$10.21

Over the last 90 days, what analysts expect SHG to earn is materially higher (+14.6%). The estimate is derived from price and forward P/E captured at the same instant, so a moving share price does not move this number — only a changed forecast does.

Estimates move both ways and are not part of the Bull Rankings score. Biggest movers →

Position sizing · SHG
Shares to buy
26
Position size
$1,939
3.9% of portfolio
Stop price
$55.94
25% below $74.59
$ at risk if stopped
$484.84
budget $500.00 · 1% of portfolio

Math only: excludes commissions, slippage and gap risk. Inputs stay in your browser.

Shinhan Financial Group Co., Ltd. (SHG): score, valuation & FAQ

Shinhan Financial Group Co., Ltd. (SHG) is a Banks - Regional company. As a bank, insurer or REIT it runs on a different financial model from the rest of the market, so Bull Rankings grades it on a sector-appropriate card — price-to-book, dividend yield, payout ratio and cash-flow coverage — rather than the 0–100 quality-growth score used elsewhere. The read below is a transparent screen, not a buy recommendation.

Its strongest graded signals are P/E (A-) and P/B (A-).

Is SHG a good stock to buy?

Bull Rankings grades SHG on a sector-appropriate card — price-to-book, dividend yield, payout and cash-flow coverage — rather than a single quality-growth score. That is driven by P/E (A-) and P/B (A-). A score is a quantitative screen of Shinhan Financial Group Co., Ltd.'s fundamentals, not personalised financial advice — weigh it against your own time horizon and risk tolerance, and read the risk factors below before acting.

How does Bull Rankings grade SHG?

As a bank, insurer or REIT, SHG isn't given a quality-growth score — signals like free cash flow, debt-to-equity and P/E don't translate cleanly to a balance-sheet business. Instead it's graded on a sector-appropriate card: price-to-book, dividend yield, payout ratio and operating-cash-flow coverage, where it rates strongest on P/E (A-) and P/B (A-).

Is SHG overvalued or undervalued?

We don't publish a discounted-cash-flow value for SHG, and not because the business is unprofitable. For a lender, insurer or property trust, "free cash flow" measures balance-sheet growth rather than owner earnings — loan originations and repayments run through operating cash flow — so discounting it would produce a confident-looking number with nothing behind it. SHG is judged on book value, return on equity and income cover instead, which is what the financial-strength card shows.

What are the main risks of investing in SHG?

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.

New to these metrics? See the guides and the methodology.

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