Shinhan Financial Group Co. Ltd. - ADR
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+ FollowMarket Cap$30.79B
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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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$54.62
14.4% downside
Current Fair Value
14.4% downsideOvervalued by 14.4% based on the discounted cash flow analysis.
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Share Statistics
| Market cap | $30.79 Billion |
|---|---|
| Enterprise Value | $109.11 Trillion |
| Annual dividend | $1.87 |
| Dividend yield | 3.58% |
| Earnings per Share | $9812 |
| Beta | 0.65 |
| Outstanding Shares | 482,180,000 |
Return
| Return on Equity | 9.52% |
|---|---|
| Return on Assets | 0.68% |
| Return on Invested Capital | 1.06% |
Valuation & Multiples
| P/E Ratio | 7.45 |
|---|---|
| PEG | 58.85 |
| Price to Sales | 0.0 |
| Price to Book Ratio | 0.0 |
| Enterprise Value to Revenue | 4.81 |
| Enterprise Value to EBIT | 13.53 |
| Enterprise Value to Net Income | 19 |
| Total Debt to Enterprise | 1.43 |
| Debt to Equity | 2.6 |
Revenue Sources
No data
Last Earnings Call
Report Date
October 28, 2026
EPS
$2.33
Est. $2.52Revenue Estimate
$3.03 B
Consensus analyst estimateNext Earnings Call
Expected Date
February 11, 2027
EPS Estimate
$1.11
Consensus analyst estimateRevenue Estimate
$2.89 B
Consensus analyst estimateInstitutional Put/Call Ratio
Compares institutional put options with call options. At 0.00, the ratio is below 1, so institutions hold more calls than puts.
| Put/Call Ratio | 0.0000▼ 55.56% |
|---|---|
| Total Calls | -▼ 100.00% |
| Total Puts | -▼ 100.00% |
Institutional Ownership
Holdings and activity of institutional investors.
| Ownership % | 0.81%▼ 4.36% |
|---|---|
| Total Invested | $303.71M▼ 80.71% |
| Investors Holding | 142▼ 163.00% |
About Shinhan Financial Group Co. Ltd.
189 employees
CEO: Yong Byoung Cho
Shinhan Financial Group Co., Ltd. delivers a comprehensive array of financial solutions and offerings to clients both within South Korea and across the globe. Its operations are structured across six primary divisions: Banking, Credit Ca...