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Regions Financial Corporation (RF) vs Shinhan Financial Group Co Ltd (SHG)

Regions Financial Corporation and Shinhan Financial Group Co Ltd are both Banks Regional companies. Shinhan Financial Group Co Ltd is the larger, with a market value of $33.1B against $23.3B — 1.4× the size. Shinhan Financial Group Co Ltd trades at the lower P/E: 9.5× against 11.1×. Shinhan Financial Group Co Ltd grew revenue faster over the last twelve months: 12.1% against 0.46%. Regions Financial Corporation has the higher net margin (22.5% vs 14.2%) and the higher return on invested capital (13.1% vs 4.47%). Both pay a dividend; Regions Financial Corporation yields more (3.99% vs 2.84%). Across the 19 metrics below, Shinhan Financial Group Co Ltd leads on 10 and Regions Financial Corporation on 9.

Valuation

Metric RF SHG Banks Regional median
P/E 11.07 9.45 11.98
P/S 2.45 1.28 2.34
P/B 1.34 0.76 1.19
Price to free cash flow 14.29 2.22 10.63
EV/EBITDA — — —
EV/Sales — — —
Earnings yield 9.03% 10.58% 8.23%
Free cash flow yield 7.00% 44.96% 9.08%

Profitability

Metric RF SHG Banks Regional median
Gross margin 79.61% 56.27% 69.55%
Operating margin 0.00% 0.00% 0.00%
Net margin 22.47% 14.18% 18.66%
Free cash flow margin 17.14% 57.45% 21.11%
Return on equity 12.33% 8.55% 10.65%
Return on assets 1.34% 0.66% 1.13%
Return on invested capital 13.08% 4.47% 8.35%

Growth

Metric RF SHG Banks Regional median
Revenue growth (TTM) 0.46% 12.11% 6.98%
EPS growth (last fiscal year) 19.17% 11.63% 18.88%
Revenue growth, 5-year CAGR 7.62% 11.03% 12.38%
Net income growth, 5-year CAGR 15.77% 4.11% 9.71%

Health

Metric RF SHG Banks Regional median
Debt to equity 0.24 1.45 0.22
Current ratio 0.81 0.98 0.94
Net debt to EBITDA 0.00 0.00 0.00

Dividend

Metric RF SHG Banks Regional median
Dividend yield 3.99% 2.84% 2.57%
Payout ratio 0.45 0.27 0.30

Size

Metric RF SHG Banks Regional median
Market cap 23.27b 33.11b 913.33m

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