LYG vs. SHG: Lloyds Banking vs. Shinhan Financial Stock Comparison

Company Profile

Lloyds Banking (LYG) and Shinhan Financial (SHG) are both classified in the Diversified Banks sub-industry within the broader Banks industry, placing them in the closest GICS peer bucket.

Both Lloyds Banking (LYG) and Shinhan Financial (SHG) trade as ADRs — their core financials are comparable, but keep FX, depositary-program fees, and dividend withholding in view for each.

Price Performance

Cumulative Growth

Trailing Returns

Calendar-Year Returns

Performance Metrics

Risk Profile

Drawdown History

Return Distribution

Risk Metrics

Lloyds Banking (LYG) is heavily traded at around 16.52M shares per day, whereas Shinhan Financial (SHG) sees a more moderate 184.95K — larger orders in the latter may require more patience and tighter control over order sizing.

Risk-Adjusted Performance

Risk-Return Positioning

Risk-Adjusted Metrics

Profitability

Lloyds Banking (LYG) at 13.69% sits in the top ROE quartile, while Shinhan Financial (SHG) at 8.94% is in the bottom quartile, showing a clear gap in returns on equity.

Lloyds Banking (LYG) at 30.61% keeps about the industry-typical share of revenue as profit, while Shinhan Financial (SHG) at 26.15% retains only a bottom-quartile share.

Neither side reports a meaningful operating margin: for Lloyds Banking (LYG) in Banks and Shinhan Financial (SHG) in Banks, funding costs are part of the core business, so net margin and ROE are the cleaner profitability reads.

Profitability Metrics

Growth

Lloyds Banking (LYG) at 7.66% is around its peer norm for revenue growth, while Shinhan Financial (SHG) at 4.66% drops into the bottom quartile, signaling weaker demand or pricing momentum.

Both Lloyds Banking (LYG) at 11.29% and Shinhan Financial (SHG) at 16.24% land near their industries' usual EPS growth ranges, so bottom-line momentum looks broadly in line with peers on both sides.

Growth Metrics

Financial Strength

current ratio doesn’t apply on either side: Lloyds Banking (LYG) in Banks and Shinhan Financial (SHG) in Banks both report balance sheets without a current/non-current split, so their short-term liquidity is better judged through regulatory and funding measures.

debt-to-equity ratio is set aside for both: Lloyds Banking (LYG) in Banks and Shinhan Financial (SHG) in Banks run businesses where balance-sheet leverage is part of the model, so capital-adequacy and funding measures are the better gauges of balance-sheet risk.

Financial Strength Metrics

Dividends

Shinhan Financial (SHG) at 4,638.28% yields beyond its industry’s entire range — a level that invites a dividend-safety check — while Lloyds Banking (LYG) at 0.77% sits in the bottom quartile of its peers.

Shinhan Financial (SHG) at 25.22% pays out a band-typical share of earnings, while Lloyds Banking (LYG) at 41.85% distributes more than its industry norm — less retained, thinner cover.

Dividend Metrics

Valuation

Both Lloyds Banking (LYG) at 9.79 and Shinhan Financial (SHG) at 7.98 sit in the cheaper earnings-multiple quartile for P/E ratio, with the market paying less for a dollar of trailing earnings than it pays for typical peers.

P/S ratio is set aside for both Lloyds Banking (LYG) in Banks and Shinhan Financial (SHG) in Banks: without a conventional revenue line, pricing per dollar of sales isn’t meaningful, and book- or earnings-based multiples make the better comparison.

Shinhan Financial (SHG) at 0.66 sits in the lower P/B ratio quartile against book while Lloyds Banking (LYG) at 1.19 is valued near its industry’s middle — SHG is cheaper on assets, though weigh it against ROE and asset quality.

Valuation Metrics