Last 47 quarters of trend data · Financial Services · Banks - Regional
Quarterly valuation ratios — annualised for comparability. YoY Δ shows same-quarter-prior-year change.
Shinhan Financial Group Co., Ltd.'s quarterly P/E stands at 0.0x, up 10.0% year-over-year. EV/EBITDA has expanded 29.1% YoY to 37.5x, reflecting rising market expectations or slowing EBITDA growth.
| Metric | TTM | Q4 '25 | Q3 '25 | Q2 '25 | Q1 '25 | Q4 '24 | Q3 '24 | Q2 '24 | Q1 '24 | Q4 '23 | Q3 '23 | Q2 '23 | Q1 '23 |
|---|---|---|---|---|---|---|---|---|---|---|---|---|---|
| P/E Ratio → | 9.57 | 0.01 | 0.00 | 0.00 | 0.00 | 0.01 | 0.00 | 0.00 | 0.00 | 0.01 | 0.00 | 0.00 | 0.00 |
| — | +10.0% | +4.2% | +14.7% | -22.1% | +48.5% | +41.4% | +17.4% | +33.7% | -36.5% | +56.8% | -4.5% | -17.2% | |
| P/S Ratio | 1.25 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 |
| — | +58.6% | +152.2% | +23.6% | -11.7% | +5.7% | +47.7% | +22.8% | +18.0% | +10.6% | -18.1% | -34.0% | -42.6% | |
| P/B Ratio | 0.89 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 |
| — | +76.9% | +10.8% | +18.3% | -16.2% | -0.5% | +49.8% | +27.7% | +26.1% | +1.6% | +1.1% | -20.6% | -29.7% | |
| P/FCF | 7.99 | — | — | — | 0.00 | — | 0.00 | — | — | — | — | 0.00 | 0.00 |
| — | — | — | — | — | — | — | — | — | — | — | -92.0% | -90.9% | |
| EV / EBITDA | 22.49 | 37.50 | 8.74 | 10.90 | 10.48 | 29.05 | 12.01 | 12.55 | 12.55 | 24.55 | 12.88 | 10.76 | 10.76 |
| — | +29.1% | -27.3% | -13.2% | -16.5% | +18.3% | -6.7% | +16.6% | +16.7% | -27.3% | +27.0% | -13.4% | -4.7% | |
| EV / EBIT | 25.65 | 43.02 | 12.58 | 12.62 | 12.21 | 45.12 | 14.27 | 14.62 | 14.69 | 34.21 | 15.30 | 12.59 | 12.38 |
| — | -4.7% | -11.9% | -13.7% | -16.9% | +31.9% | -6.7% | +16.1% | +18.7% | -38.4% | +35.5% | -10.9% | -2.3% |
Quarterly margins and returns. Watch for margin compression across consecutive quarters.
Shinhan Financial Group Co., Ltd.'s operating margin was 9.0% in Q4 2025, down 53.0 pp QoQ and up 2.3 pp YoY. The trailing four-quarter average of 29.5% exceeds the current quarter, suggesting the latest result may reflect seasonal weakness or a one-off headwind. Gross margin expanded 21.1% YoY, indicating pricing power or improving input costs.
| Metric | TTM | Q4 '25 | Q3 '25 | Q2 '25 | Q1 '25 | Q4 '24 | Q3 '24 | Q2 '24 | Q1 '24 | Q4 '23 | Q3 '23 | Q2 '23 | Q1 '23 |
|---|---|---|---|---|---|---|---|---|---|---|---|---|---|
| Gross Margin | 53.3% | 52.9% | 109.5% | 46.4% | 45.9% | 43.7% | 43.9% | 43.2% | 45.1% | 43.4% | 43.4% | 44.1% | 45.0% |
| — | +21.1% | +149.2% | +7.4% | +1.7% | +0.6% | +1.1% | -2.0% | +0.3% | -32.7% | -21.7% | -29.1% | -32.7% | |
| Operating Margin | 17.9% | 9.0% | 62.0% | 23.5% | 23.4% | 6.6% | 20.0% | 21.2% | 20.7% | 8.6% | 19.1% | 20.9% | 23.4% |
| — | +35.2% | +209.6% | +10.6% | +13.0% | -22.4% | +5.1% | +1.3% | -11.3% | +85.3% | -47.4% | -28.4% | -29.6% | |
| Net Margin | 12.7% | 5.6% | 35.6% | 17.5% | 17.4% | 4.5% | 14.7% | 16.2% | 15.3% | 6.0% | 14.3% | 15.0% | 17.5% |
| — | +25.0% | +142.3% | +8.6% | +13.6% | -24.8% | +3.0% | +7.7% | -12.4% | +73.6% | -46.5% | -29.7% | -27.4% |
| Metric | TTM | Q4 '25 | Q3 '25 | Q2 '25 | Q1 '25 | Q4 '24 | Q3 '24 | Q2 '24 | Q1 '24 | Q4 '23 | Q3 '23 | Q2 '23 | Q1 '23 |
|---|---|---|---|---|---|---|---|---|---|---|---|---|---|
| ROE | 8.8% | 0.9% | 2.4% | 2.6% | 2.5% | 0.7% | 2.2% | 2.5% | 2.3% | 1.0% | 2.1% | 2.2% | 2.5% |
| — | +33.4% | +5.8% | +4.0% | +7.8% | -29.2% | +5.1% | +12.6% | -8.0% | +55.6% | -34.4% | -15.3% | -8.5% | |
| ROA | 0.7% | 0.1% | 0.2% | 0.2% | 0.2% | 0.1% | 0.2% | 0.2% | 0.2% | 0.1% | 0.2% | 0.2% | 0.2% |
| — | +24.7% | +5.3% | +4.2% | +6.2% | -31.3% | +1.0% | +8.4% | -8.9% | +65.5% | -25.9% | -4.8% | -2.2% | |
| ROIC | 2.5% | 0.3% | 0.9% | 0.8% | 0.7% | 0.2% | 0.7% | 0.7% | 0.7% | 0.3% | 0.6% | 0.7% | 0.8% |
| — | +41.9% | +38.9% | +9.0% | +8.5% | -28.1% | +1.2% | -1.2% | -11.2% | +70.7% | -28.1% | -5.1% | -4.3% |
Quarterly solvency trend — watch for debt spikes or covenant pressure.
Shinhan Financial Group Co., Ltd.'s Debt/EBITDA ratio is 173.8x, up from 51.9x last quarter — elevated, raising questions about debt serviceability. The current ratio has weakened 17.8% YoY to 0.27x, tightening the short-term liquidity position.
| Metric | TTM | Q4 '25 | Q3 '25 | Q2 '25 | Q1 '25 | Q4 '24 | Q3 '24 | Q2 '24 | Q1 '24 | Q4 '23 | Q3 '23 | Q2 '23 | Q1 '23 |
|---|---|---|---|---|---|---|---|---|---|---|---|---|---|
| Debt / Equity | 2.77 | 2.77 | 2.39 | 2.40 | 2.38 | 2.55 | 2.47 | 2.51 | 2.47 | 2.55 | 2.36 | 2.23 | 2.29 |
| — | +8.5% | -3.4% | -4.3% | -3.6% | +0.1% | +4.6% | +12.7% | +7.9% | +6.0% | -12.7% | -15.7% | -9.7% | |
| Debt / EBITDA | 18.99 | 173.81 | 51.88 | 60.20 | 60.40 | 160.75 | 69.23 | 66.27 | 66.78 | 130.69 | 70.50 | 61.64 | 59.69 |
| — | +8.1% | -25.1% | -9.2% | -9.6% | +23.0% | -1.8% | +7.5% | +11.9% | -26.6% | +25.9% | -4.9% | +2.0% | |
| Current Ratio | 0.36 | 0.27 | 0.33 | 0.31 | 0.32 | 0.33 | 0.31 | 0.29 | 0.30 | 0.34 | 0.30 | 0.30 | 0.30 |
| — | -17.8% | +4.9% | +7.0% | +7.0% | -3.0% | +3.3% | -3.6% | -3.1% | +8.5% | +15.6% | +22.1% | +23.0% | |
| Quick Ratio | 0.36 | 0.27 | 0.33 | 0.31 | 0.32 | 0.33 | 0.31 | 0.29 | 0.30 | 0.34 | 0.30 | 0.30 | 0.30 |
| — | -17.8% | +4.9% | +7.0% | +7.0% | -3.0% | +3.3% | -3.6% | -3.1% | +8.5% | +15.6% | +22.1% | +23.0% | |
| Interest Coverage | 0.40 | 0.18 | 0.49 | 0.50 | 0.48 | 0.13 | 0.39 | 0.42 | 0.41 | 0.18 | 0.37 | 0.42 | 0.47 |
| — | — | — | — | — | — | — | — | — | — | — | — | — |
Includes 30+ ratios · 47 years · Updated daily
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Shinhan Financial Group Co., Ltd.'s current P/E is 9.6x. The average P/E over the last 4 quarters is 0.0x. Quarterly P/E ratios can vary due to seasonal revenue patterns and one-time charges.
Shinhan Financial Group Co., Ltd.'s current operating margin is 17.9%. Margins have been compressing over recent quarters. Quarterly margins are particularly useful for identifying trend inflections that annual data smooths over.
Quarterly financial ratios reveal short-term trend shifts — margin compression, debt spikes, or valuation re-ratings — that annual figures smooth over. They're essential for active investors tracking Shinhan Financial Group Co., Ltd.'s business trajectory between earnings reports.