SHG

Shinhan Financial GroupD

NYSE / Banks

At close

2026-07-20

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 +0.5.

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)

0 · Net Neutral

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

Data freshness

Prices

As of 2026-07-20

Fundamentals

As of 2026-07-20 • Vendor: Data Vendor v1

Scores

As of 2026-07-20 • Model: HYBRID_IC_RP

AI Memo

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

Investment thesis

As of 2026-07-20

Supporting evidence

What

Grade D · Defensive

Confidence Medium · Net Neutral

Target $86.70

Why

Momentum49 · Δ7d +3.9

Value63 · Δ7d +0.5

Sentiment24 · Δ7d 0.0

So what

Weak posture (Net Neutral). Prioritize risk control and patience.

Lead driver: Value · See fundamentals

Momentum

26% active weight

Current posture

7d trendImproving

Δ7d

+3.9

Δ21d

+0.4

Value

39% active weight

Current posture

7d trendFlat

Δ7d

+0.5

Δ21d

-0.6

Sentiment

34% active weight

Current posture

7d trendFlat

Δ7d

0.0

Δ21d

0.0

Why this grade

Composite grade D. Momentum 49.3 / Value 63.0 / Sentiment 23.8

Fundamentals (TTM)

As of 2026-07-20

Market Cap

$32.37B

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 2026-07-20 • Updated nightlySource: Internal modelMethodology