Shinhan Financial Group Co Ltd American Depositary Shares (SHG)

FairStock Score: 56/100 — STEADY

Key Financials

AI Analysis

AI-generated, general educational analysis — not personal investment advice.

I start with the balance sheet because this is a bank, and the provided data is incomplete. At the 2026-10-26 close, FairStock calculates a P/E of 8.68, P/B of 0.68 and PEG of 0.34, which looks cheap. But cheapness needs a reason: FairStock's ROE is only 8.94%. A bank earning less than 10% on equity should trade below book, and 0.68 may be fair rather than a bargain. The fiscal Q2 2026 figures show revenue of 5.1T, net income of 1.8T and a 35.54% margin, while the provided profit growth of 25.74% outpaces provided revenue growth of 4.41%; the period is not named, so I treat that as a lead to verify. Piotroski F-Score is 5/9, middling. The 3.06% dividend yield and 0.67 beta add defensive appeal. The business is diversified across banking, cards, securities, insurance and trust. However, crucial bank metrics are missing: CET1, net interest margin, credit costs, NPLs, loan-loss reserves, combined ratio and leverage, with D/E not available. FairStock's Lynch category is none because only zero years of filed results are present and three are needed. My conclusion: a statistically cheap, moderately profitable bank with a limited data window; I would demand evidence on asset quality and capital before trusting the discount.

In plain English: Shinhan Financial is a South Korean financial group offering banking, cards, insurance, securities and related services. The business shows a high quarterly profit margin and solid reported profit growth, and the share price looks inexpensive compared with its profits and accounting value. However, returns are modest for a bank and important safety details such as capital and loan-loss data are not provided.

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Data as of 2026-10-26 close · note generated 2026-10-28 · model deepseek-flash

Fundamentals from company filings and market-data providers; prices are end-of-day, not real-time. AI-generated analysis is general and educational — not personal investment advice. Scoring methodology · Score test · Disclaimer