Shinhan Financial Group Co (KSF1) Stock Price & Analysis
KSF1 Stock Chart & Stats
- Day’s Range
- EUR 58.00 - EUR 58.00
- 52-Week Range
- EUR 43.40 - EUR 71.50
- Previous Close
- EUR 57.50
- Volume
- N/A
- Average Volume (3M)
- 0
- Market Cap
- EUR 27.37B
- Enterprise Value
- EUR 101.73B
- Total Cash (Recent Filing)
- EUR 47.24T
- Total Debt (Recent Filing)
- EUR 156.31T
- Price to Earnings (P/E)
- 7.4
- Beta
- 0.65
- Next Earnings
- Feb 11, 2027 (Est.)
- EPS Estimate
- 0.99
- Next Dividend Ex-Date
- N/A
- Dividend Yield
- 2.83%
Bulls Say, Bears Say
Bulls Say
Diversified Financial Platform
The broad mix of banking and fee-based businesses diversifies earnings across interest income, payments, capital markets, insurance, and asset management. This integrated platform can support customer retention, cross-selling, and resilience when conditions weaken in any single financial segment.
Improving Profitability And Cash Generation
Stronger profitability alongside free cash flow that nearly matches net income indicates improved earnings quality and internal cash generation. If sustained, this gives Shinhan greater capacity to fund operations, maintain distributions, absorb volatility, and invest without relying solely on external financing.
Strong Capital And Operating Discipline
A solid CET1 position, lower risk-weighted assets, and controlled operating costs provide a durable foundation for growth and shareholder distributions. The combination suggests management is balancing capital efficiency with resilience while preserving flexibility for strategic investments and changing credit conditions.
Bears Say
Elevated Balance-sheet Leverage
High leverage is inherent to banking but leaves Shinhan more sensitive to funding costs, credit deterioration, and market shocks. It can amplify returns in favorable conditions, yet also limits financial flexibility and raises the potential impact of stress on capital and earnings.
Persistent NIM And Funding Pressure
Funding costs rising faster than lending yields can compress the group’s core banking spread and weigh on earnings over the next several quarters. Deposit competition, maturities, and limited near-term NIM recovery make margin restoration dependent on repricing and eventual funding relief.
Execution And Insurance Risk From Lotte Acquisition
The Lotte Insurance transaction could strengthen the insurance portfolio, but it introduces regulatory, integration, and capital-allocation requirements before benefits are realized. Execution demands and possible additional capital needs could dilute near-term returns or distract management if normalization takes longer than expected.
KSF1 FAQ
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Shinhan Financial Group Co Stock Smart Score
Company Description
Shinhan Financial Group Co
Shinhan Financial Group Co., Ltd. is a prominent financial services provider that operates both within South Korea and globally. The company's diverse activities are organized into six primary divisions: Banking, Credit Card services, Securities, Life Insurance, Credit, and other specialized financial offerings. For individual clients, Shinhan offers a comprehensive suite of retail banking solutions. These include various deposit account types—demand, savings, and fixed—along with checking accounts. The group also provides personal lending options such as mortgages, home equity loans, and other consumer credit. Furthermore, it facilitates electronic banking, ATM access, bill payment, payroll and check processing, foreign currency exchange, and international money transfer services. The corporate banking arm of Shinhan caters to businesses with services like investment banking, financing for real estate (including overseas and development projects), infrastructure and structured finance, equity/venture capital investments, and advisory for mergers and acquisitions. It also handles securitization, offers derivative products, engages in foreign exchange trading, and provides working capital and facilities loans. Shinhan Financial Group is also actively involved in treasury and investment operations within international capital markets. This includes trading foreign currency-denominated securities, providing a range of foreign exchange services, offering trade-related financial support, international factoring, and managing foreign banking operations. Beyond its core banking and investment functions, the company provides numerous other financial provisions. These encompass trust account management, securities brokerage, and professional asset management. Additional services extend to equipment leasing and financing, specialized savings banking, loan collection and credit reporting, administration of collective investment schemes, private equity investments, and the development of advanced financial systems. By the close of 2021, Shinhan maintained an extensive network of 784 service centers, 5,234 automated teller machines (ATMs), 7 cash dispensing units, and 85 digital kiosks to serve its customers. Established in 1982, Shinhan Financial Group Co., Ltd. is based in Seoul, South Korea.
- Sector
- Financial
- Industry
- Banks - Regional
- CEO
- Ok-Dong Jin
- Employees
- 189
- Website
- www.shinhangroup.com
- Address
- 20, Sejong-daero 9-gil, Seoul, SL, 04513, KR
Shinhan Financial Group Co (KSF1) Earnings & Revenues
KSF1 Company Deck
KSF1 Earnings Call
Earnings Call SentimentNeutral
The call presented a mixed outlook. Shinhan maintained strong capital levels, increased shareholder returns, controlled expenses, improved profitability ratios, and reported manageable asset quality. However, these positives were offset by a 12.9% quarter-over-quarter decline in net income, a 45.5% decline in noninterest income, funding-driven NIM pressure, weak capital-market activity, declines at several subsidiaries, foreign-exchange-related OCI pressure, and execution requirements for the Lotte Insurance acquisition.
View all DE:KSF1 earnings summariesTechnical Analysis
Overall Consensus
| Indicator | Bullish | Neutral | Bearish |
|---|---|---|---|
| Overall Consensus | 8 | 4 | 10 |
| Technical Analysis | 4 | 4 | 2 |
| Moving Averages | 4 | 0 | 8 |
