SHG vs CFG

Comparison between Shinhan Financial Group Co. Ltd (SHG, Company) and Citizens Financial Group Inc (CFG, Company).

Both SHG and CFG are from the Financial Services sector.

5-Year PerformanceSHG has outperformed CFG, delivering a return of +15.4% compared to +13.0%

SHG vs CFG - Performance Comparison

Log

Key Characteristics

Financial metrics and valuation ratios

Metric	SHG(COMPANY)	CFG(COMPANY)
Market Cap	$30B	$30B
Max Drawdown	82.30%	68.00%
Sharpe Ratio	1.13	2.02
5Y Beta	0.82	1.15
Industry	Banks - Regional	Banks - Regional
P/E Ratio	9.80	15.11
Forward P/E	4.08	13.53
PEG Ratio	5.10	0.47
Dividend Yield	2.99%	2.55%
5Y Dividends CAGR	N/A	7.31%
5Y EPS CAGR	0.44%	3.71%
Debt to Equity	239.38%	47.05%
Free Cash Flow Yield	10.61%	8.99%
P/S Ratio	0.00	3.73
P/B Ratio	0.77	1.22

Market Cap

Winner

SHG

$30B

CFG

$30B

Max Drawdown

SHG

82.30%

Winner

CFG

68.00%

Sharpe Ratio

SHG

1.13

Winner

CFG

2.02

5Y Beta

Winner

SHG

0.82

CFG

1.15

Industry

SHG

Banks - Regional

CFG

Banks - Regional

P/E Ratio

Winner

SHG

9.80

CFG

15.11

Forward P/E

Winner

SHG

4.08

CFG

13.53

PEG Ratio

SHG

5.10

Winner

CFG

0.47

Dividend Yield

Winner

SHG

2.99%

CFG

2.55%

5Y Dividends CAGR

SHG

N/A

CFG

7.31%

5Y EPS CAGR

SHG

0.44%

Winner

CFG

3.71%

Debt to Equity

SHG

239.38%

Winner

CFG

47.05%

Free Cash Flow Yield

Winner

SHG

10.61%

CFG

8.99%

P/S Ratio

Winner

SHG

0.00

CFG

3.73

P/B Ratio

Winner

SHG

0.77

CFG

1.22

SHG vs CFG - Historical Returns

Returns include dividend reinvestment.

Period	SHG	CFG
1 month	-3.97%	+11.04%
3 months	+0.40%	+19.79%
6 months	+14.50%	+19.73%
1 year	+40.83%	+69.21%
5 years(CAGR)	+15.38%	+12.96%
10 years(CAGR)	+9.52%	+17.81%
Max(CAGR)	+8.66%	+13.85%

SHG

-3.97%

Winner

CFG

+11.04%

SHG

+0.40%

Winner

CFG

+19.79%

SHG

+14.50%

Winner

CFG

+19.73%

SHG

+40.83%

Winner

CFG

+69.21%

5Y(CAGR)

Winner

SHG

+15.38%

CFG

+12.96%

10Y(CAGR)

SHG

+9.52%

Winner

CFG

+17.81%

Max(CAGR)

SHG

+8.66%

Winner

CFG

+13.85%

SHG vs CFG - Annual Returns (2003 - 2026)

Returns include dividend reinvestment.

Year	SHG	CFG
2026	+14.75%	+20.68%
2025	+69.11%	+39.15%
2024	+15.84%	+36.46%
2023	+17.13%	-11.29%
2022	-6.24%	-16.71%
2021	+7.08%	+37.87%
2020	-20.53%	-7.00%
2019	+6.85%	+38.20%
2018	-24.17%	-28.63%
2017	+20.58%	+19.13%
2016	+18.27%	+40.90%
2015	-12.54%	+7.46%
2014	-5.79%	+8.17%
2013	+20.99%	N/A
2012	+5.40%	N/A
2011	-27.22%	N/A
2010	+23.61%	N/A
2009	+66.46%	N/A
2008	-56.99%	N/A
2007	+14.12%	N/A
2006	+24.67%	N/A
2005	+83.24%	N/A
2004	+45.79%	N/A
2003	+5.60%	N/A

SHG vs CFG Drawdown Comparison

The maximum drawdown for SHG was -82.01%, occurring on Mar 9, 2009. Recovery took 4525 trading sessions.

The maximum drawdown for CFG was -65.60%, occurring on Mar 18, 2020. Recovery took 771 trading sessions.

The current SHG drawdown is -13.57%.

Rank	SHG	CFG
#1	-82.01% Jul 12, 2007 - Jul 8, 2025	-65.60% Jan 23, 2018 - Feb 16, 2021
#2	-35.05% Apr 23, 2004 - Nov 3, 2004	-56.14% Jan 14, 2022 - Jul 17, 2025
#3	-23.50% May 8, 2006 - Dec 27, 2006	-35.12% Jun 5, 2015 - Nov 9, 2016
#4	-19.73% Mar 1, 2005 - Jul 27, 2005	-18.80% May 17, 2021 - Oct 20, 2021
#5	-18.03% Feb 20, 2026 - Mar 13, 2026	-18.32% Feb 6, 2026 - Jun 12, 2026
#6	-14.67% Feb 1, 2006 - Mar 31, 2006	-18.25% Mar 1, 2017 - Nov 29, 2017
#7	-14.08% Feb 17, 2004 - Apr 12, 2004	-12.83% Nov 24, 2021 - Jan 4, 2022
#8	-14.05% Nov 13, 2003 - Dec 31, 2003	-10.39% Oct 6, 2025 - Nov 25, 2025
#9	-13.47% Feb 22, 2007 - Jun 4, 2007	-10.00% Dec 24, 2014 - Feb 13, 2015
#10	-12.74% Sep 16, 2003 - Oct 10, 2003	-8.93% Feb 24, 2021 - Apr 28, 2021
#11	-11.56% Oct 10, 2003 - Nov 13, 2003	-7.00% Oct 1, 2014 - Oct 29, 2014
#12	-10.88% Jan 6, 2006 - Feb 1, 2006	-6.44% Oct 20, 2021 - Nov 23, 2021
#13	-10.64% Sep 29, 2005 - Nov 14, 2005	-6.42% Dec 27, 2016 - Jan 25, 2017
#14	-9.63% Nov 17, 2004 - Dec 27, 2004	-6.25% Mar 17, 2015 - Apr 23, 2015
#15	-8.57% Aug 1, 2005 - Sep 7, 2005	-5.67% Jul 23, 2025 - Aug 22, 2025

Correlation

Correlation between SHG and CFG is 0.72 which considered as a strong positive correlation - the stocks tend to move together.

0.72

-101

Dividend Comparison (2003 - 2026)

SHG vs CFG dividend yield comparison.

Year	SHG	CFG
2026	0.00%	1.30%
2025	2.24%	2.94%
2024	5.96%	3.84%
2023	3.87%	5.07%
2022	5.54%	4.11%
2021	1.54%	3.30%
2020	0.00%	4.36%
2019	0.00%	3.35%
2018	0.00%	3.30%
2017	0.00%	1.52%
2016	3.35%	1.29%
2015	3.10%	1.53%
2014	2.14%	0.40%
2013	1.37%	0.00%
2012	3.41%	0.00%
2011	1.94%	0.00%
2010	1.47%	0.00%
2009	2.06%	0.00%
2007	1.61%	0.00%
2006	1.86%	0.00%
2005	2.03%	0.00%
2004	3.23%	0.00%
2003	3.27%	0.00%