Shinhan Financial Group Co. Ltd. - ADR

Shinhan Financial Group Co. Ltd. - ADR

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Market Cap$31.5B
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P/E RatioDividendsReturn on EquityPrice-to-SalesDebt-to-Equity
Shinhan Financial Group Co. Ltd. - ADRShinhan Financial Group Co. Ltd. - ADR9.72.74%9%-2.5

Earnings Call Q3 2025

October 28, 2025 - AI Summary

CET1 Ratio and Capital Management: As of the end of September 2025, the group's CET1 ratio was preliminarily estimated at 13.56%, which is stable despite increased risk-weighted assets (RWA). The management plans to maintain this ratio, viewing it as sufficient for current operations. However, potential economic pressures and increased regulation could affect capital levels in the future.
Profit Performance: The group's net income for Q3 2025 was KRW 1.4235 trillion, reflecting an 8.1% decline quarter-on-quarter (Q-o-Q) but showing a robust performance despite uncertainty in market conditions. Income generation has remained stable, with credit costs being well-controlled, indicating resilience against macroeconomic challenges.
Dividend and Shareholder Return Policy: The Board has resolved to issue a cash dividend of KRW 570 per share for Q3, contributing to an expected total shareholder return of KRW 2.35 trillion for 2025, encompassing KRW 1.1 trillion in cash dividends and KRW 1.25 trillion in share buybacks. This reflects a commitment to returning value to shareholders despite a declining environment.

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$35.88

Current Fair Value

46.2% downside

Overvalued by 46.2% based on the discounted cash flow analysis.

Share Statistics

Market cap$31.50 Billion
Enterprise Value$105.26 Trillion
Dividend Yield$1.87 (2.74%)
Earnings per Share$9812
Beta0.66
Outstanding Shares482,433,000

Return

Return on Equity8.82%ROE
Return on Assets0.64%
Return on Invested Capital1.64%

Valuation & Multiples

P/E Ratio9.72P/E Ratio
PEG68.85PEG
Price to Sales0.0Price to Sales
Price to Book Ratio0.0Price to Book Ratio
Enterprise Value to Revenue3.41
Enterprise Value to EBIT19.26
Enterprise Value to Net Income20
Total Debt to Enterprise1.39
Debt to Equity2.47Debt to Equity

Revenue Sources

No data

Insider Trades

Last Earnings Call

Report Date
May 21, 2026
EPS Estimate
$2.27
Average shareholder expectation
Revenue Estimate
$2.84 B
Average shareholder expectation

Next Earnings Call

Expected Date
July 24, 2026
EPS Estimate
$2.22
Average shareholder expectation
Revenue Estimate
$2.88 B
Average shareholder expectation

Institutional Put/Call Ratio

Market sentiment based on institutional option activity.

Put/Call Ratio0.00000%
Total Calls6,100 32.61%
Total Puts-

Institutional Ownership

Holdings and activity of institutional investors.

Ownership %4.54% 0.08%
Total Invested$1.38B 11.64%
Investors Holding286 15.00%

ESG Score

No data

About Shinhan Financial Group Co. Ltd.

CEO: Yong Byoung Cho

Relevant Senate Committees

Joint Committee on Taxation

Provides critical analysis and revenue estimates for tax legislation, directly influencing corporate tax structures, capital investment, and the overall tax burden on financial markets and institutions, which is highly material for a commercial bank.

Finance

Controls taxation and trade policy, which directly impact corporate profitability, international business operations, and overall economic conditions vital for a commercial banking group.

Agriculture, Nutrition, and Forestry

Oversees the CFTC and regulates derivatives/futures markets, along with the classification of cryptocurrencies, which are critical areas for financial institutions involved in trading, investment, and digital assets.

Banking, Housing, and Urban Affairs

This committee directly regulates the entire financial system, including bank capital requirements, financial markets, and real estate, making it the primary regulatory body for a commercial banking group like Shinhan.

Foreign Relations

As an international financial group, Shinhan is directly impacted by U.S. foreign policy, treaties, and sanctions legislation, which significantly influence global banking operations, cross-border transactions, and access to international markets.