WF Stock Analysis: Woori Financial | NYSE
Banks - Regional | NYSE, USA | Market Cap: 17.320m USD | 12M Return: 33.6% | US9810641087 | Charts, Fundamentals & Technical Analysis
Avg Turnover: 7.08M
EPS Trend: 29.0%
Qual. Beats: -1
Rev. Trend: -64.2%
Qual. Beats: 0
Warnings
Tailwinds
No distinct edge detected
Seasonality 11.6 years of data
How good or bad each month usually is (without trend). The score below shows how much you can trust it: 0 = pure chance, >40 gets interesting and >55 is strong.
Woori Financial Group Inc. is a South Korea-based bank holding company that provides a broad range of financial services across Korea, China, the United States, the United Kingdom, Japan, and other international markets. Founded in 1899 and headquartered in Seoul, the company operates through four business segments: Banking Insurance, Credit Card Capital, Investment Securities, and Others.
Its service offerings span retail and commercial banking, insurance, credit and debit cards, lease financing, securities brokerage and trading, foreign exchange, investment trusts, private equity funds, asset management, and retirement pension products. The group also engages in related activities such as system software development, credit information services, derivatives trading, and asset securitization. As a diversified bank under the GICS classification, Woori combines traditional lending and deposit-taking with capital markets, insurance distribution, and asset management within a single financial holding company structure.
- Net interest margin compresses as Bank of Korea cuts rates
- Korean household debt restructuring pressures loan growth and credit costs
- Capital returns expand via higher dividends and active buyback program
| Net Income: 3289b TTM > 0 and > 6% of Revenue |
| FCF/TA: 0.02 > 0.02 and ΔFCF/TA 2.83 > 1.0 |
| NWC/Revenue: -3.88k% < 20% (prev -1.20k%; Δ -2.68k% < -1%) |
| CFO/TA 0.02 > 3% & CFO 13642b > Net Income 3289b |
| Net Debt (61489b) to EBITDA (5509b): 11.16 < 3 |
| Current Ratio: 0.12 > 1.5 & < 3 |
| Outstanding Shares: last quarter (248.0m) vs 12m ago 1.36% < -2% |
| Gross Margin: -56.53% > 18% (prev 43.19%; Δ -99.72% > 0.5%) |
| Asset Turnover: 1.58% > 50% (prev 4.75%; Δ -3.18% > 0%) |
| Interest Coverage Ratio: 0.35 > 6 (EBIT TTM 4258b / Interest Expense TTM 12323b) |
| A: -0.56 (Total Current Assets 46730b - Total Current Liabilities 404420b) / Total Assets 635182b |
| B: 0.05 (Retained Earnings 29404b / Total Assets 635182b) |
| C: 0.01 (EBIT TTM 4258b / Avg Total Assets 584647b) |
| D: 0.07 (Book Value of Equity 38885b / Total Liabilities 594301b) |
| Altman-Z'' = -3.43 = D |
As of August 22, 2026, the stock is trading at USD 68.43 with a total of 72,424 shares traded. Over the past week, the price has changed by -4.12%, over one month by +8.42%, over three months by +11.06% and over the past year by +33.60%.
Current recommended Stop Loss: 65.80 (which is 3.8% or 1.3 ATR below the current price).
Woori Financial has received a consensus analysts rating of 5.00. Therefore, it is recommended to buy WF.
- StrongBuy: 1
- Buy: 0
- Hold: 0
- Sell: 0
- StrongSell: 0
| Analysts Target Price | 96.3 | 40.7% |
Market Cap KRW = 24002b (17.3b USD * 1385.8 USD.KRW)
P/E Trailing = 8.1287
P/E Forward = 2.4558
P/S = 0.0016
P/B = 0.6318
P/EG = 2.4556
Revenue TTM = 9224b KRW
EBIT TTM = 4258b KRW
EBITDA TTM = 5509b KRW
Long Term Debt = 81073b KRW (from longTermDebt, last fiscal year)
Short Term Debt = 50112b KRW (from shortTermDebt, last fiscal year)
Debt = 99752b KRW (from shortLongTermDebtTotal, last quarter) + Leases 558b
Net Debt = 61489b KRW (calculated: Debt 99752b - CCE 38263b)
Enterprise Value = 85491b KRW (24002b + Debt 99752b - CCE 38263b)
Interest Coverage Ratio = 0.35 (Ebit TTM 4258b / Interest Expense TTM 12323b)
EV/FCF = 6.51x (Enterprise Value 85491b / FCF TTM 13136b)
FCF Yield = 15.37% (FCF TTM 13136b / Enterprise Value 85491b)
FCF Margin = 142.4% (FCF TTM 13136b / Revenue TTM 9224b)
Net Margin = 35.66% (Net Income TTM 3289b / Revenue TTM 9224b)
Gross Margin = -56.53% ((Revenue TTM 9224b - Cost of Revenue TTM 14439b) / Revenue TTM)
Gross Margin QoQ = none% (prev none%)
Tobins Q-Ratio = 0.13 (Enterprise Value 85491b / Total Assets 635182b)
Interest Expense / Debt = 12.35% (Interest Expense 12323b / Debt 99752b)
Taxrate = 21.63% (921b / 4258b)
NOPAT = 3337b (EBIT 4258b * (1 - 21.63%))
Current Ratio = 0.12 (Total Current Assets 46730b / Total Current Liabilities 404420b)
Debt / Equity = 2.57 (Debt 99752b / totalStockholderEquity, last quarter 38885b)
Debt / EBITDA = 11.16 (Net Debt 61489b / EBITDA 5509b)
Debt / FCF = 4.68 (Net Debt 61489b / FCF TTM 13136b)
Total Stockholder Equity = 37066b (last 4 quarters mean from totalStockholderEquity)
RoA = 0.56% (Net Income 3289b / Total Assets 635182b)
RoE = 8.87% (Net Income TTM 3289b / Total Stockholder Equity 37066b)
RoCE = 3.60% (EBIT 4258b / Capital Employed (Equity 37066b + L.T.Debt 81073b))
RoIC = 0.53% (NOPAT 3337b / Invested Capital 634720b)
WACC = 9.47% (E(24002b)/V(123754b) * Re(8.61%) + D(99752b)/V(123754b) * Rd(12.35%) * (1-Tc(0.22)))
Discount Rate = 8.61% (= CAPM, Blume Beta Adj.)
Shares (quarterly) Correlation: 21.20 | Cagr: -0.16%
[DCF] Terminal Value 71.59% ; FCFF base≈13136b ; Y1≈13190b ; Y5≈13972b
[DCF] Fair Price = 498k (EV 182449b - Net Debt 61489b = Equity 120961b / Shares 242.7m; r=9.47% [WACC]; 5y FCF grow 0.0% → 2.50% )
[DCF] Fair Price = 498k (out of range, set to none)
EPS Correlation: 29.01 | EPS CAGR: 8.50% | SUE: -4.0 | # QB: -1
Revenue Correlation: -64.20 | Revenue CAGR: -20.19% | SUE: -0.25 | # QB: 0
EPS current Quarter (2026-09-30): EPS=4269.92 | Chg30d=+1.98% | Revisions=+25% | Analysts=1
EPS current Year (2026-12-31): EPS=13279.09 | Chg30d=-1.26% | Revisions=-25% | GrowthEPS=+8.6% | GrowthRev=+7.2%
EPS next Year (2027-12-31): EPS=15662.13 | Chg30d=+0.02% | Revisions=+25% | GrowthEPS=+17.9% | GrowthRev=+5.0%