Shinhan Financial Group Co (FRA:KSF1) Moat Score: 6/10 (As of Jul. 14, 2026)

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FRA:KSF1 Shinhan Financial Group Co Ltd FRA:KSF1
46 GF Score
Price €62.00
GF Value €31.51
! 7 Warning Signs
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What is Shinhan Financial Group Co Moat Score?

Shinhan Financial Group Co FRA:KSF1 +3.33% 46 Moat Score is 6 as of Jul. 14, 2026. GuruFocus rates FRA:KSF1 with a GF Score™ of 46/100 and a GF Value™ of €31.51. The stock has 7 warning signs investors should review. Among 1,613 Banks companies, Shinhan Financial Group Co ranks better than 97.83% on this metric.

Shinhan Financial Group Co has the Moat Score of 6, which implies that the company might have Narrow Moat - Strong narrow moat, clearly distinguishable but not wide.

Shinhan Financial Group Co has Narrow Moat: Shinhan Financial Group has a strong narrow moat with a leading position in South Korea's financial sector, significant customer loyalty, and regulatory barriers. However, its advantages are not sufficiently robust to be considered a wide moat.

Moat Score is a ranking system developed by GuruFocus to assess a company's ability to sustain a competitive advantage, rated on a scale from 0 to 10. It takes into account key factors such as market leadership, cost advantages, network effects, customer switching costs, and more.

The company's Moat Score is based on these criteria:

1. Market leadership and sustainable market share
2. Network effects and significant customer switching costs
3. Valuable intellectual property and patents
4. Strong brand strength and deep customer loyalty
5. Durable cost advantages (e.g., economies of scale, proprietary technology)
6. Significant regulatory barriers and exclusive licenses
7. Superior distribution network
8. Strong and sustainable pricing power
9. Consistent and impactful innovation and R&D capabilities

Based on the research, GuruFocus believes Shinhan Financial Group Co might have Narrow Moat - Strong narrow moat, clearly distinguishable but not wide.

Shinhan Financial Group Co  (FRA:KSF1) Moat Score Explanation

The Moat Score ranges from 0 to 10, with 10 as the highest. GuruFocus divided Moat Score into following 8 categories:

Moat Score Moat Level
10Wide Moat - Exceptionally dominant and durable wide moat
8 - 9Wide Moat - Clear and robust wide moat
7Wide Moat - Entry-level wide moat, clearly possessing durable advantages
6Narrow Moat - Strong narrow moat, clearly distinguishable but not wide
5Narrow Moat - Solid narrow moat
4Narrow Moat - Discernible but modest moat
1 - 3No Moat - Very weak/transient advantages
0No Moat - No discernible moat

Shinhan Financial Group Co Moat Score Related Terms

Shinhan Financial Group Co Moat Score Competitor Comparison

For the Banks - Regional subindustry, Shinhan Financial Group Co's Moat Score, along with its competitors' market caps and Moat Score data, can be viewed below:

* Competitive companies are chosen from companies within the same industry, with headquarter located in same country, with closest market capitalization; x-axis shows the market cap, and y-axis shows the term value; the bigger the dot, the larger the market cap. Note that "N/A" values will not show up in the chart.

Shinhan Financial Group Co Moat Score vs Banks Industry

For the Banks industry and Financial Services sector, Shinhan Financial Group Co's Moat Score distribution charts can be found below:

* The bar in red indicates where Shinhan Financial Group Co's Moat Score falls into.


FRA:KSF1
46GF Score
Shinhan Financial Group Co Ltd FRA:KSF1
Moat Score is just one metric. See GF Score™, valuation, warning signs, and more.
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Frequently Asked Questions Learn more about Moat Score →
What does a Moat Score of 6 mean?
Shinhan Financial Group Co (FRA:KSF1) has a Moat Score of 6 as of Jul. 14, 2026. Moat Score is a ranking system developed by GuruFocus to assess a company's ability to sustain a competitive advantage, rated on a scale from 0 to 10. It takes into account key factors such as market leadership, cost advantages, network effects, customer switching costs, and more. According to the industry distribution chart, Shinhan Financial Group Co ranks #35 out of 1613 companies in the Banks industry, placing it in the top 2.2%.
Is Shinhan Financial Group Co's Moat Score too high?
Shinhan Financial Group Co's current Moat Score is 6. Based on the distribution chart, Shinhan Financial Group Co ranks #35 out of 1613 companies in the Banks industry, which is in the top quartile — a strong position relative to peers. Overall, Shinhan Financial Group Co has a GF Score™ of 46/100, reflecting its overall financial health beyond just this single metric.
How does Shinhan Financial Group Co's Moat Score compare to competitors?
According to the Banks industry distribution chart, Shinhan Financial Group Co ranks #35 out of 1613 companies for Moat Score. This places Shinhan Financial Group Co in the top 2% of its industry — outperforming the majority of peers. See the competitive comparison table and distribution chart on this page for a detailed peer-by-peer breakdown.
What is a good Moat Score for a Banks company?
A good Moat Score depends on the Banks industry context. However, Moat Score should not be evaluated in isolation — investors should consider it alongside profitability, growth, and financial strength metrics. Use the industry distribution chart on this page to see where any company falls relative to its peers.
What does a high Moat Score mean?
A high Moat Score can signal that a stock is expensive relative to its fundamentals. Moat Score is a ranking system developed by GuruFocus to assess a company's ability to sustain a competitive advantage, rated on a scale from 0 to 10. It takes into account key factors such as market leadership, cost advantages, network effects, customer switching costs, and more. Shinhan Financial Group Co's current Moat Score is 6. However, context matters — high-growth companies often justify higher valuations. Always evaluate alongside other metrics like GF Score™ and GF Value™.
Is Shinhan Financial Group Co stock overvalued right now?
Shinhan Financial Group Co (FRA:KSF1) has a current Moat Score of 6. The stock's GF Value™ is €31.51, compared to a current price of €62.00 — trading 96.8% above its estimated fair value. The current Moat Score is 6. Shinhan Financial Group Co's overall GF Score™ is 46/100 with 7 warning signs to review. Investors should evaluate multiple metrics — including profitability, growth, and financial strength — before making a decision.
How is Moat Score calculated?
Moat Score is calculated from a company's financial statements. For Shinhan Financial Group Co (FRA:KSF1), the current Moat Score is 6 as of Jul. 14, 2026. GuruFocus calculates this using data sourced from SEC filings and annual reports. See the calculation section and 30-year financial data on this page for the full breakdown.

Is Shinhan Financial Group Co (FRA:KSF1) Overvalued in 2026?

Based on GuruFocus' analysis, Shinhan Financial Group Co stock appears to be overvalued. The current stock price of €62.00 is trading 96.8% above its estimated GF Value™ of €31.51.

Key valuation signals for FRA:KSF1:

  • Moat Score: 6
  • GF Value™: €31.51 vs. price of €62.00 (96.8% above fair value)
  • GF Score™: 46/100 with 7 warning signs

No single metric tells the full story. See the FRA:KSF1 stock analysis page for a complete view including 30-year financials, guru trades, and insider activity.

Shinhan Financial Group Co Business Description

Address 20, Sejong-daero 9-gil, Jung-gu, Seoul, KOR, 04513
Shinhan Financial Group Co Ltd is a Korean banking group. Along with its subsidiaries the company provides, comprehensive financial services which consist of commercial banking services, credit card services, securities services, insurance, credit services, and asset management services, including securities investment trust management, investment advisory, call transaction, domestic and foreign private equity fund business, and other services. The majority of the revenue is generated from its Banking business which includes retail, corporate, international, and other banking services the company offers.
46GF Score

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Moat Score is just one metric. See GF Value™, 30-year financials, guru trades, warning signs, and more.

€62.00
Price
€31.51
GF Value