The earnings call highlighted strong noninterest income growth and improved CET1 ratio, demonstrating solid financial performance. There were significant shareholder returns through dividends and share buybacks. However, the call also emphasized challenges such as increased credit costs, asset quality concerns, and weak loan growth, which are indicative of a cautious outlook. The sentiment is balanced with notable achievements countered by considerable challenges.

Company Guidance

During the 2025 Q2 earnings call for Shinhan Financial Group, several key metrics and guidance details were discussed. The Group's Common Equity Tier 1 (CET1) ratio improved by 32 basis points (bps) to 13.59% quarter-over-quarter (QoQ), driven by solid earnings and efficient risk-weighted asset (RWA) management. A cash dividend of KRW571 per share was declared, alongside a share buyback of KRW800 billion, with KRW600 billion slated for execution in H2 2025 and KRW200 billion in January 2026. The Group's net income rose by 4.1% QoQ to KRW1,549.1 billion, although credit costs saw a slight increase due to delayed economic recovery. The cost-to-income ratio was stable at 36.6% in H1, while noninterest income surged by 34.7% QoQ, driven by gains in securities and foreign exchange derivatives. The Group's return on equity (ROE) and return on tangible common equity (ROTCE) increased by 0.7% to 11.4% and 12.9%, respectively. Despite challenges in market interest rates, net interest income remained stable, supported by asset growth and effective execution of liquidity management strategies. The Group also emphasized its strategic focus on maintaining capital stability and enhancing shareholder returns, with plans for a flexible approach to shareholder return mix based on market conditions.

Improved CET1 Ratio

As of the end of June 2025, the Group's CET1 ratio was provisionally estimated at 13.59%, an improvement of 32 bps compared to the previous quarter.

Strong Noninterest Income Growth

The Group's noninterest income grew 34.7% QoQ with improvement across all segments, particularly securities and FX derivative-related gains.

Shareholder Returns

The Board of Directors resolved to pay a cash dividend of KRW571 per share for Q2 and a share buyback amounting to KRW800 billion, with a total share buyback for 2025 expected to be approximately KRW1.250 trillion.

Net Income Growth

In Q2 2025, the Group recorded a net income of KRW1,549.1 billion, growing 4.1% QoQ despite an increase in credit cost.

ROE and ROTCE Increase

ROE and ROTCE increased by 0.7% each, recording 11.4% and 12.9% respectively.

Shinhan Financial Group Co (SHG) Earnings, Revenues Date & History

The upcoming earnings date is based on a company’s previous reporting, and may be updated when the actual date is announced

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SHG Earnings History

Report Date	Fiscal Quarter	Forecast / EPS	Last Year's EPS	EPS YoY Change	Slides	Play Transcript
Oct 28, 2025	2025 (Q3)	1.96 / -	1.697	―	―	―
Jul 25, 2025	2025 (Q2)	2.02 / 2.19	2.027	7.84% (+0.16)
Apr 25, 2025	2025 (Q1)	2.02 / 2.16	1.866	15.65% (+0.29)
Feb 06, 2025	2024 (Q4)	0.88 / 0.59	0.781	-24.46% (-0.19)
Oct 25, 2024	2024 (Q3)	1.82 / 1.70	1.703	-0.35% (>-0.01)
Jul 26, 2024	2024 (Q2)	1.90 / 2.03	1.797	12.80% (+0.23)
Apr 26, 2024	2024 (Q1)	1.70 / 1.87	2.041	-8.57% (-0.17)
Feb 08, 2024	2023 (Q4)	0.86 / 0.78	0.501	55.89% (+0.28)
Oct 27, 2023	2023 (Q3)	1.75 / 1.70	2.352	-27.59% (-0.65)	―	―
Jul 27, 2023	2023 (Q2)	1.92 / 1.80	1.746	2.92% (+0.05)	―	―

The table shows recent earnings report dates and whether the forecast was beat or missed. See the change in forecast and EPS from the previous year.

Beat

Missed

SHG Earnings-Related Price Changes

Report Date	Price 1 Day Before	Price 1 Day After	Percentage Change
Jul 25, 2025	$50.32	$50.91	+1.17%
Apr 25, 2025	$34.59	$34.64	+0.14%
Feb 06, 2025	$35.18	$34.56	-1.76%
Oct 25, 2024	$40.82	$41.32	+1.22%

Earnings announcements can affect a stock’s price. This table shows the stock's price the day before and the day after recent earnings reports, including the percentage change.

FAQ

When does Shinhan Financial Group Co Ltd (SHG) report earnings?

Shinhan Financial Group Co Ltd (SHG) is schdueled to report earning on Oct 28, 2025, TBA (Confirmed).

What is Shinhan Financial Group Co Ltd (SHG) earnings time?

Shinhan Financial Group Co Ltd (SHG) earnings time is at Oct 28, 2025, TBA (Confirmed).

Where can I see when companies are reporting earnings?

You can see which companies are reporting today on our designated earnings calendar.

What companies are reporting earnings today?

You can see a list of the companies which are reporting today on TipRanks earnings calendar.

What is SHG EPS forecast?

SHG EPS forecast for the fiscal quarter 2025 (Q3) is 1.96.

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