Shinhan Financial Group Co Ltd
Shinhan Financial Group Co Ltd is classed by the SEC under National Commercial Banks (industry code 6021), based in Seoul100-102, KR. Its latest filed balance sheet shows total assets of $239 billion (its filed statements).
vs its business-model standard
Three tenses, nine metrics. Unseen metrics stay unseen; the grade never fakes a number. Proxy era: provisional values, marked. Weighed as a lending business: prior from its industry code (SEC 6021, National Commercial Banks); the filing read can change it. All three tenses have at least two readings, so the archetype blend applies as printed.
The grade, in three tenses
Headline 5.2 out of ten, 7 of 9 metrics filed and 2 estimated: past 7.5 out of ten, present 3.3 out of ten, future 4.1 out of ten. The past asks what it actually did, the present what it is doing right now, the future what it is set up to do next.
The nine metrics
- Surviving crises (past): 7.5 out of ten. No warning events in its filings since 2017. 75th percentile among 83 sector filers. A production reading, recomputed from the filings on every data build (read from EDGAR 2026-10-12).
- Track record (past): 7.2 out of ten. +12.2% a year over 3 filed years; profitable in 3 of 3. 72nd percentile among 79 sector filers. A production reading, recomputed from the filings on every data build (read from EDGAR 2026-10-12).
- Shareholder treatment (past): 7.7 out of ten. Share count shrank 1.8% a year. 47% of cash flow returned. Insiders: 0 sales, 0 purchases. 77th percentile among 81 sector filers. A production reading, recomputed from the filings on every data build (read from EDGAR 2026-10-12).
- Financial health (present): 3.8 out of ten. ROE 8%: 8¢ of profit per shareholder dollar. Leverage 92%: owes 92¢ per asset dollar. 37th percentile among 83 sector filers. A production reading, recomputed from the filings on every data build (read from EDGAR 2026-10-12).
- Industry position (present): 1.1 out of ten. bottom 11% of 79 in its family; net margin 6.2%. 11th percentile among 79 sector filers. A production reading, recomputed from the filings on every data build (read from EDGAR 2026-10-12).
- Leadership (present): 5.5 out of ten. CrossAssetData estimate 5.5/10, confidence 20 of 100 (family median). 50th percentile among 80 sector filers. A CrossAssetData estimate, not a filed reading: family median, confidence 20 of 100; its next annual report on file with the inputs replaces this estimate with the filed reading.
- Room to expand (future): 2.5 out of ten. bottom 24% of 71 in its family for room to expand. 24th percentile among 71 sector filers. A production reading, recomputed from the filings on every data build (read from EDGAR 2026-10-12).
- Growth drivers (future): 4.7 out of ten. bottom 47% of 79 in its family for growth drivers. 47th percentile among 79 sector filers. A production reading, recomputed from the filings on every data build (read from EDGAR 2026-10-12).
- Expectations vs reality (future): 5.2 out of ten. CrossAssetData estimate 5.2/10, confidence 20 of 100 (family median). 50th percentile among 76 sector filers. A CrossAssetData estimate, not a filed reading: family median, confidence 20 of 100; its next annual report on file with the inputs replaces this estimate with the filed reading.
The filing record
Newest annual report: Form 20-F filed 2026-04-22 for the period ended 2025-12-31 (on EDGAR). Newest filing: Form 6-K, 2026-10-01. Filings on record since 2003. Read from EDGAR 2026-10-12.
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