SHG vs. TFC: Shinhan Financial vs. Truist Financial Stock Comparison

Company Profile

Shinhan Financial (SHG) and Truist Financial (TFC) both belong to the Banks industry, though SHG is classified under Diversified Banks while TFC falls under Regional Banks.

Truist Financial (TFC) trades as ordinary local shares, while Shinhan Financial (SHG) trades as an ADR — compare with FX exposure, depositary-program fees, and dividend-withholding-tax differences in mind.

Price Performance

Cumulative Growth

Trailing Returns

Calendar-Year Returns

Performance Metrics

Risk Profile

Drawdown History

Return Distribution

Risk Metrics

Risk-Adjusted Performance

Risk-Return Positioning

Risk-Adjusted Metrics

Profitability

Both Shinhan Financial (SHG) at 8.94% and Truist Financial (TFC) at 8.16% produce bottom-quartile ROE versus peers, pointing to weaker profit generation on shareholders’ equity.

Truist Financial (TFC) at 28.38% 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 Shinhan Financial (SHG) in Banks and Truist Financial (TFC) in Banks, funding costs are part of the core business, so net margin and ROE are the cleaner profitability reads.

Profitability Metrics

Growth

Truist Financial (TFC) at 53.03% delivers above-range revenue growth, while Shinhan Financial (SHG) at 4.66% falls into the bottom quartile — a wide split in revenue momentum.

Both Shinhan Financial (SHG) at 16.24% and Truist Financial (TFC) at 13.69% 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: Shinhan Financial (SHG) in Banks and Truist Financial (TFC) 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: Shinhan Financial (SHG) in Banks and Truist Financial (TFC) 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

Truist Financial (TFC) at 4.17% earns its spot in the top quartile of its industry’s yields; Shinhan Financial (SHG) at 4,638.28% is past the top of its own peer range — territory where a dividend-safety check matters more than the headline number.

Shinhan Financial (SHG) at 25.22% pays out a band-typical share of earnings, while Truist Financial (TFC) at 53.61% distributes more than its industry norm — less retained, thinner cover.

Dividend Metrics

Valuation

Shinhan Financial (SHG) at 7.98 sits in the cheaper P/E ratio quartile, while Truist Financial (TFC) at 12.73 is closer to its industry’s usual earnings multiple — a discount for SHG, though growth and earnings durability still matter.

P/S ratio is set aside for both Shinhan Financial (SHG) in Banks and Truist Financial (TFC) 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.

Relative to net asset value, both Shinhan Financial (SHG) at 0.66 and Truist Financial (TFC) at 1.06 look inexpensive, sitting in the lower P/B ratio quartile of their industries.

Valuation Metrics