Shinhan Financial Group Co (SHG) Ratios

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Shinhan Financial Group Co Ratios

SHG's free cash flow for Q4 2025 was ₩0.49. For the 2025 fiscal year, SHG's free cash flow was decreased by ₩ and operating cash flow was ₩0.10. See a summary of the company’s cash flow.

Ratios	TTM	Dec 25	Dec 24	Dec 23	Dec 22
Liquidity Ratios
Current Ratio	0.54	0.36	0.33	0.34	0.31
Quick Ratio	0.54	0.36	0.33	0.34	0.31
Cash Ratio	0.54	0.27	0.09	0.08	0.07
Solvency Ratio	<0.01	<0.01	<0.01	<0.01	<0.01
Operating Cash Flow Ratio	<0.01	<0.01	<0.01	<0.01	0.02
Short-Term Operating Cash Flow Coverage	<0.01	<0.01	0.40	0.03	0.79
Net Current Asset Value	₩ -10.00T>	₩ -10.00T>	₩ -10.00T>	₩ -10.00T>	₩ -10.00T>
Leverage Ratios
Debt-to-Assets Ratio	0.18	0.20	0.20	0.21	0.19
Debt-to-Equity Ratio	2.73	2.90	2.68	2.68	2.54
Debt-to-Capital Ratio	0.73	0.74	0.73	0.73	0.72
Long-Term Debt-to-Capital Ratio	0.58	0.59	0.71	0.70	0.70
Financial Leverage Ratio	15.03	14.77	13.20	12.88	13.10
Debt Service Coverage Ratio	0.07	0.07	0.20	0.17	0.30
Interest Coverage Ratio	1.69	0.42	0.34	0.36	0.67
Debt to Market Cap	3.36	4.01	6.09	6.93	7.17
Interest Debt Per Share	316.51K	343.83K	332.00K	309.21K	271.66K
Net Debt to EBITDA	14.56	16.18	14.86	15.11	13.26
Profitability Margins
Gross Profit Margin	51.59%	47.42%	44.03%	44.02%	56.11%
EBIT Margin	32.56%	19.98%	17.04%	17.65%	25.92%
EBITDA Margin	34.24%	23.71%	20.66%	21.15%	29.99%
Operating Profit Margin	32.56%	19.98%	17.04%	17.65%	25.92%
Pretax Profit Margin	32.46%	19.98%	17.04%	17.65%	25.92%
Net Profit Margin	23.75%	14.33%	12.58%	12.92%	18.99%
Continuous Operations Profit Margin	24.01%	14.66%	12.89%	13.25%	19.36%
Net Income Per EBT	73.16%	71.75%	73.81%	73.23%	73.28%
EBT Per EBIT	99.68%	100.00%	100.00%	100.00%	100.00%
Return on Assets (ROA)	0.63%	0.63%	0.60%	0.63%	0.70%
Return on Equity (ROE)	9.08%	9.34%	7.94%	8.13%	9.20%
Return on Capital Employed (ROCE)	0.95%	0.98%	2.19%	2.31%	2.62%
Return on Invested Capital (ROIC)	0.64%	0.65%	1.59%	1.62%	1.88%
Return on Tangible Assets	0.64%	0.64%	0.61%	0.64%	0.71%
Earnings Yield	11.39%	12.96%	18.13%	21.13%	26.11%
Efficiency Ratios
Receivables Turnover	0.00	1.26	2.02	1.61	1.66
Payables Turnover	0.00	0.63	1.31	1.00	0.87
Inventory Turnover	0.00	0.00	0.00	0.00	0.00
Fixed Asset Turnover	5.21	5.74	8.51	5.59	4.13
Asset Turnover	0.03	0.04	0.05	0.05	0.04
Working Capital Turnover Ratio	-0.08	-0.19	-0.12	-0.12	-0.09
Cash Conversion Cycle	0.00	-292.14	-98.78	-138.25	-197.92
Days of Sales Outstanding	0.00	288.77	180.32	226.63	219.99
Days of Inventory Outstanding	0.00	0.00	0.00	0.00	0.00
Days of Payables Outstanding	0.00	580.92	279.10	364.88	417.92
Operating Cycle	0.00	288.77	180.32	226.63	219.99
Cash Flow Ratios
Operating Cash Flow Per Share	30.14	9.03	9.14K	1.02K	14.92K
Free Cash Flow Per Share	-537.50	8.66	7.60K	-358.99	13.07K
CapEx Per Share	567.64	0.37	1.54K	1.38K	1.85K
Free Cash Flow to Operating Cash Flow	-17.83	0.96	0.83	-0.35	0.88
Dividend Paid and CapEx Coverage Ratio	0.01	4.10	2.26	0.24	3.06
Capital Expenditure Coverage Ratio	0.05	24.63	5.94	0.74	8.05
Operating Cash Flow Coverage Ratio	<0.01	<0.01	0.03	<0.01	0.06
Operating Cash Flow to Sales Ratio	<0.01	<0.01	0.13	0.02	0.31
Free Cash Flow Yield	-0.59%	0.01%	15.68%	-0.90%	37.22%
Valuation Ratios
Price-to-Earnings (P/E) Ratio	8.78	7.72	5.51	4.73	3.83
Price-to-Sales (P/S) Ratio	2.03	1.11	0.69	0.61	0.73
Price-to-Book (P/B) Ratio	0.83	0.72	0.44	0.38	0.35
Price-to-Free Cash Flow (P/FCF) Ratio	-170.51	8.92K	6.38	-110.91	2.69
Price-to-Operating Cash Flow Ratio	3.12K	8.56K	5.30	39.02	2.35
Price-to-Earnings Growth (PEG) Ratio	0.50	0.48	1.13	-0.40	0.15
Price-to-Fair Value	0.83	0.72	0.44	0.38	0.35
Enterprise Value Multiple	20.50	20.84	18.21	18.00	15.68
Enterprise Value	10.00T>	10.00T>	10.00T>	10.00T>	10.00T>
EV to EBITDA	20.50	20.84	18.21	18.00	15.68
EV to Sales	7.02	4.94	3.76	3.81	4.70
EV to Free Cash Flow	-588.18	39.85K	34.60	-690.43	17.37
EV to Operating Cash Flow	10.49K	38.24K	28.78	242.88	15.21
Tangible Book Value Per Share	105.22K	100.15K	104.10K	96.50K	93.59K
Shareholders’ Equity Per Share	112.64K	107.16K	110.73K	103.47K	99.71K
Tax and Other Ratios
Effective Tax Rate	0.26	0.27	0.24	0.25	0.25
Revenue Per Share	45.04K	69.86K	69.88K	65.10K	48.28K
Net Income Per Share	10.70K	10.01K	8.79K	8.41K	9.17K
Tax Burden	0.73	0.72	0.74	0.73	0.73
Interest Burden	1.00	1.00	1.00	1.00	1.00
Research & Development to Revenue	0.00	0.00	0.00	0.00	0.00
SG&A to Revenue	0.12	0.15	0.14	0.14	0.18
Stock-Based Compensation to Revenue	<0.01	0.00	<0.01	0.00	<0.01
Income Quality	<0.01	1.33	1.01	0.12	1.60

Currency in KRW