SHG

Shinhan Financial GroupD

NYSE / Banks

At close

2026-07-18

Current thesis

Bull case assumes sustained NIM expansion and above-consensus loan growth driven by retail mortgage and corporate lending, plus successful cost control and rising fee income leading to materially higher EPS and a re-rating by 12 months.

Posture

Defensive

Lead driver

Value

What changed

Value remains the lead driver in the composite, 7D delta +0.4.

What can break

Domestic rate or funding volatility that narrows net interest margins would compress earnings and valuation, particularly if Bank of Korea guidance surprises to the downside [#BOK].

Momentum

Value

Sentiment

Setup hits (3d)

— · Net —

AI TargetsBase $30.80 · Bull $42.00 · Bear $19.60

Data freshness

Prices

As of 2026-07-18

Fundamentals

As of 2026-07-17 • Vendor: Data Vendor v1

Scores

As of 2026-07-18 • Model: HYBRID_IC_RP

AI Memo

As of 2025-09-27 • Model: RankAlpha Sentiment AI

Investment thesis

As of 2026-07-18

Supporting evidence

What

Grade D · Defensive

Confidence Medium · Net —

Target $86.70

Why

Momentum48 · Δ7d +14.2

Value63 · Δ7d +0.4

Sentiment24 · Δ7d 0.0

So what

Weak posture. Prioritize risk control and patience.

Setup hits not loaded

Load setup hits to see net bias and recent triggers.

Load setup hits

Lead driver: Value · See fundamentals

Momentum

26% active weight

Current posture

7d trendImproving

Δ7d

+14.2

Δ21d

+21.3

Value

39% active weight

Current posture

7d trendFlat

Δ7d

+0.4

Δ21d

-1.0

Sentiment

34% active weight

Current posture

7d trendFlat

Δ7d

0.0

Δ21d

0.0

Why this grade

Composite grade D. Momentum 47.8 / Value 62.8 / Sentiment 24.1

Fundamentals (TTM)

As of 2026-07-17

Market Cap

$33.15B

Beta

1.00

Shares Out

472.58M

P/E (TTM)

8.4

P/S (TTM)

1.67

P/FCF (TTM)

2.91

Rev YoY

+5.8%

EPS YoY

+13.0%

Gross Margin

Op Margin

+28.8%

Net Debt

$92.38B

Current Ratio

0.20

As of 2026-07-18 • Updated nightlySource: Internal modelMethodology