Shinhan Financial Group (055550) fair value: what the stock is really worth
We calculate from audited financials what Shinhan Financial Group is really worth. The fair value tells you whether the price is too high or too low, the quality score (0 to 100) how solid the business behind it is. 26 models, 37 quality factors, updated daily, free.
- Compare price with fair valuebelow fair value = cheap, above = expensive
- Check the quality50 and up solid, 75 and up strong
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At a glance
A solid business, trading 22% below our fair value of 146,032 KRW.
As of Aug 27, 2026, the fair value of Shinhan Financial Group is 146,032 KRW per share against a price of 113,900 KRW, so the fair value sits 28% above the price. A model estimate from reported figures, not an analyst target.
Fair value as of: Aug 27, 2026
From 6 valuation models · updated 11 days ago
Share price +3.5% over the past month.
What runs behind every stock
69 individual criteria per stock, every one traceable See the method →
What matters now
- Solid quality (63/100) at a price below fair value, the discount is the argument here, not the business quality.
- For a financial, book-value and earnings-based methods matter more than a cash-flow DCF, which fits banks and insurers poorly.
Price vs Fair Value (5 years)
White line = price, green steps = our fair value per fiscal year, dashed = 300-day average. As of Aug 27, 2026.
How to read this chart
60‑month range 26,992 KRW – 114,500 KRW · fair‑value band 109,524 KRW – 182,540 KRW · the 113,900 KRW price screens below the 146,032 KRW fair value. Green steps = our fair value per fiscal year (point-in-time, no hindsight). Dashed = 300-day average. As of Aug 27, 2026.
Analysis
Shinhan Financial Group (055550) currently trades at 113,900 KRW, while our model-based Fair Value estimate is 146,032 KRW, implying the stock looks roughly 22.0% undervalued today. The Quality Score stands at 63/100 (solid quality), in the Financial Services sector. Bull case: the Multiples group reads highest at a median of 137,259 KRW per share, and 3 of the 6 models we run sit above the 113,900 KRW price. Bear case: the Dividend Discount group reads lowest at 41,006 KRW, and 3 of the 6 models stay below the price. Evidence for this calculation is medium.
Over the trailing twelve months, Shinhan Financial Group generated revenue of 16.0T KRW at a net margin of 32.0%. Revenue grew 6.6% year over year. It earns a return on equity of 8.6%. Net debt stands at 99.4T KRW. Fundamentals as of Aug 27, 2026
Scenario range: 109,524 KRW (bear) to 182,540 KRW (bull), the price of 113,900 KRW sits inside it. Bear and bull are the same models on cautious and optimistic assumptions, a range, not a price target. The share trades near its 52-week high and 103% above its 52-week low, currently above its 200-day average. For context, the median of 10 Financial Services peers we cover trades at −10% fair-value upside, at 28%, 055550 screens cheaper than that median.
Fair Value models
Each model values the company its own way; the fair value above is the evidence-weighted blend. Evidence (0 to 100) shows how complete a model's inputs are. How we calculate →
All 6 models by family
Widest divergence: Multiples (137,259 KRW) versus Dividend Discount (41,006 KRW). Highest evidence: Residual Income (76).
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Key figures & financial health
More key figures
Figures from reported company fundamentals · as of Aug 27, 2026. TTM = trailing twelve months.
Quality Score breakdown
Of which business quality 61 · Market factors (momentum, volatility) 81
Non-valuation factor families (profitability, growth, cashflow, financial strength, momentum …), each academically grounded. Valuation itself sits in the Fair Value and is deliberately excluded here to avoid double-counting.
All values are scores from 0 to 100 (100 = best against fixed, research-based bands), not percentages. The three market factors (momentum, 52-week proximity, low volatility) are displayed but carry zero weight in the headline number: market sentiment is not a business property.
About the company
Shinhan Financial Group Co., Ltd. provides financial products and services in South Korea, Vietnam, and Japan. The company operates in six segments: Banking, Credit card, Securities, Insurance, Credit, and Others.
Full company description
Shinhan Financial Group Co., Ltd. provides financial products and services in South Korea, Vietnam, and Japan. The company operates in six segments: Banking, Credit card, Securities, Insurance, Credit, and Others. It offers credit, lending and receiving deposits; credit cards, short-term and long-term card loan services, installment financing, and leases; securities trading, consignment trading, and underwriting; life and non-life insurance business; facility rental and new technology business financing; and real estate trust, investment advisory services, venture business investment, and other businesses. Shinhan Financial Group Co., Ltd. was founded in 1982 and is based in Seoul, South Korea.
Company description, as reported by the company or data provider.
Revenue & earnings trend
FY2021 – FY2025 · reported fiscal years
Shinhan Financial Group reported revenue of 18.4T KRW in FY2025 versus 21.9T KRW in FY2021, a compound −4.2%/yr. Reported net income was 5.0T KRW in FY2025, compounding +5.5%/yr from FY2021.
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Peer Group
Banks - Regional · 1070 stocks
How this stock ranks against its industry: the green marker is this stock, the band is the typical 25–75% peer range, and the tick is the median.
Valuation Multiples vs Banks - Regional median · lower = cheaper
What the price implies (reverse DCF)
The inverse question: what free-cash-flow growth must Shinhan Financial Group deliver for ten years so that today's price is fair in our DCF model? Same formula, same discount rate as the fair value.
The price demands an acceleration versus past growth: a high bar the company still has to clear. Ranking of the largest stocks →
Context: sector, industry, market
- Is the Financials sector expensive or cheap?
- P/E, EV/EBITDA and margins by industry (reference tables)
- Undervalued stocks: South Korean Stocks
- Valuation of the Korea market
Strength profile in five axes (Snowflake)
Five quick dimensions, each 0 to 100: VALUE (fair-value potential), FUTURE (revenue growth), PAST (return on equity), HEALTH (low debt), DIVIDEND (yield). Green = this stock, grey = typical sector peer.
Insider activity: 40/100
Values & ESG
Does this company touch areas you may want to avoid? The classification is inferred from sector and industry.
Similar stocks
10 more Banks - Regional stocks, each showing price versus our Fair Value estimate (as of Aug 27, 2026).
| Stock | Price | Fair Value | vs Fair Value |
|---|---|---|---|
| DBS Group D05 | 75.65 SGD | 40.48 SGD | −46% |
| China Merchants Bank Co 3968 | HK$47.96 | HK$76.51 | +60% |
| Intesa Sanpaolo S.p.A ISP | €6.74 | €5.66 | −16% |
| HDFC Bank Limited HDB | $23.18 | $24.12 | +4% |
| BNP Paribas SA BNP | €104.54 | €144.64 | +38% |
| UniCredit S.p.A UCG | €84.71 | €77.62 | −8% |
| Mizuho Financial Group MFG | $10.74 | $9.69 | −10% |
| ICICI Bank Limited ICICIBANK | ₹1,423 | ₹835.21 | −41% |
| Oversea-Chinese Banking Corporation O39 | 31.07 SGD | 19.80 SGD | −36% |
| CaixaBank, S.A CABK | €13.52 | €8.85 | −35% |
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