profit from every $100 of sales.
$0$100
Shinhan Financial Group
$66.59+4.42% today
+22.4% in 1 year
1-year low $51.701-year high $84.47
Trading in the middle of its range for the past year.
The essentials
Four questions every investor asks, answered in one line each.
more sales each year, on average, 2022 to 2025.
0%20% a year
You pay $8.28 for every $1 of profit it makes in a year.
CheapExpensive
Not measured for banks and insurers: deposits and policy reserves count as debt, so the usual debt test says nothing about them.
Money in, money out
What Shinhan Financial Group sold, what it kept, and what it did with the cash.
Sales went from ₩15.1 trillion in 2022 to ₩18.4 trillion in 2025, with ₩4.97 trillion of profit last year.
SalesProfit
Shinhan Financial Group handed back 28% of the cash it generated last year.
Buybacks ₩1.25T₩1.29T
Free cash flow 2025₩9.09T
Bought back its own shares₩1.25T
Paid as dividends₩1.29T
Cash vs. debt₩41.39T vs. ₩141.59T
Shinhan Financial Group vs. similar companies
Shinhan Financial Group grows in the middle of these 5 and is priced in the middle for its profits.
| Company | Profit from $100 of sales | Sales growth a year | Price per $1 of profit |
|---|---|---|---|
| Shinhan Financial Group | 8.3× · Cheap | ||
 China Merchants Bank | 7.7× · Cheap | ||
 DBS Group Holdings | 18.2× · Fair price | ||
 UniCredit | 11.5× · Cheap | ||
 HDFC Bank | 18.6× · Fair price |
AI analysis
An AI analyst reads Shinhan Financial Group's last five years, its segments, earnings, insiders and peers, and writes the bull case, the bear case and what the price expects.
Run the AI analysisFull statementsIncome, balance sheet and cash flow, year by year
Income statement
| In millions of KRW | 2022 | 2023 | 2024 | 2025 |
|---|---|---|---|---|
| 15,068,299 | 17,096,837 | 17,571,888 | 18,390,840 | |
| – | – | – | – | |
| – | – | – | – | |
| – | – | – | – | |
| 4,665,643 | 4,368,035 | 4,450,177 | 4,971,561 | |
| 9,123.81 | 8,048.00 | 8,441.00 | 9,812.00 | |
| – | – | – | – | |
| – | – | – | – | |
| 31.0% | 25.5% | 25.3% | 27.0% |
Balance sheet
| In millions of KRW | 2022 | 2023 | 2024 | 2025 |
|---|---|---|---|---|
| Total assets | 664,433,230 | 691,795,333 | 739,764,256 | 786,013,485 |
| Cash | 31,067,588 | 35,765,819 | 41,672,295 | 41,392,442 |
| Total debt | 119,173,220 | 126,472,276 | 138,717,398 | 141,585,069 |
| Total liabilities | 611,009,672 | 635,473,468 | 680,943,223 | 725,641,161 |
| 50,731,842 | 53,720,537 | 56,053,756 | 57,959,272 | |
| 509 | 519 | 506 | 486 | |
| – | – | – | – | |
| 9.2% | 8.1% | 7.9% | 8.6% |
Cash flow
| In millions of KRW | 2022 | 2023 | 2024 | 2025 |
|---|---|---|---|---|
| 7,188,440 | 529,846 | 4,626,299 | 9,730,881 | |
| 943,127 | 716,238 | 778,774 | 637,069 | |
| 6,245,313 | -186,392 | 3,847,525 | 9,093,812 | |
| Dividends paid | 1,540,871 | 1,461,371 | 1,267,146 | 1,293,828 |
| 300,060 | 486,028 | 700,102 | 1,250,070 | |
| – | – | – | – |
This is a bank or insurer, so cash-flow and debt ratios are left out: borrowing and lending is the business itself. Price to book and return on equity are the measures that matter here.
Valuation
- 8.3×
- 0.0×
- 3.38
- 0.7×
- 2.2×
- 12.1%
- 3.1%
Profitability
- 27.0%
- 1.5%
- 2.3%
- 9.0%
- 0.7%
Growth
- +6.9%
- +2.5%
- +3.6%
- −1.5%
How it ranks in Financial Services
Each dot is where the company stands among every company over $300M in the sector. Further right is better.
Bottom 33%of 688
Top 28%of 540
Top 20%of 900
Bottom 48%of 908
Top 9%of 941
Recent earnings
Our results feed has not updated since May 21, 2026. Results reported after that are not in this table yet.
| Date | EPS | Expected | Surprise |
|---|---|---|---|
| May 15, 2026 | 2.33 | 2.27 | +2.6% |
| Feb 5, 2026 | 0.68 | 0.82 | −17.4% |
| Nov 14, 2025 | 2.05 | 1.96 | +4.6% |
| Jul 25, 2025 | 4.27 | 2.23 | +91.5% |
| May 15, 2025 | 2.01 | 1.94 | +3.6% |
| Apr 17, 2025 | 0.75 | – | – |
| Oct 25, 2024 | 1.76 | 1.74 | +1.1% |
| Jul 26, 2024 | 1.97 | 1.78 | +10.7% |
3.1%of the share price, paid each year
On $1,000 invested$31a year at today's yield, before tax
+3.6%2020 to 2025
Raised–not every year
Paid per share, each year
$1.04 in 2015 → $1.59 in 2025
How safe it looks
26.0% of its profit
Room to growStretchedMore than it earns: 14.2%
News
No recent news on file.
Insider trades
Our insider feed has not updated since May 26, 2026. Trades filed after that are not listed yet.
No insider trades on file.
The seven classic investing rulebooks
1/7Passes 1 of 7. Each bar is how well the company fits that investor's published rules, from 0 to 100; 60 or more counts as a pass.
Warren Buffett
57No pass
Benjamin Graham
71Pass
Philip Fisher
57No pass
Peter Lynch
18No pass
Joel Greenblatt
27No pass
Charlie Munger
47No pass
Terry Smith
48No pass
Questions about Shinhan Financial Group
Is Shinhan Financial Group a good stock to buy?
A strong, very profitable business, and the price looks low. 1 of the 7 famous investors' published rulebooks we apply pass it. Whether it suits you depends on your goals and the price you pay; invest-like never tells anyone to buy or sell. The AI analysis lays out the case for and against. Read the Shinhan Financial Group AI analysis
What does Shinhan Financial Group do?
Shinhan Financial Group Co., Ltd. provides financial products and services in South Korea and overseas. It is in Banks - Regional, based in Seoul, South Korea.
Does Shinhan Financial Group pay a dividend?
Yes. At today's price the dividend is 3.1% a year, about 26% of its yearly profit. In 2025 it paid out $1.29 trillion in dividends.
Is Shinhan Financial Group stock halal?
No. Shinhan Financial Group does not pass our halal screen: its main business, banking, is not permitted. How we check
How has Shinhan Financial Group stock done over the past year?
Up 22.4% over the past twelve months, to $66.59. It traded between $51.70 and $84.47 and is 21.2% below its high.
Who are Shinhan Financial Group's competitors?
The largest listed companies in the same industry are China Merchants Bank, DBS Group Holdings, UniCredit and HDFC Bank. The peers table on this page compares their profit, growth and price with Shinhan Financial Group's.
Prices: daily closes to Nov 13, 2026. Fundamentals: company reports via invest-like data.