(WF) Woori Financial - Overview

Sector: Financial Services | Industry: Banks - Regional | Exchange: NYSE (USA) | Market Cap: 15.948m USD | Total Return: 124.3% in 12m

Banking, Cards, Loans, Investments, Insurance
Total Rating 61
Safety 88
Buy Signal 0.87
Banks - Regional
Industry Rotation: +13.6
Market Cap: 15.9B
Avg Turnover: 9.38M USD
ATR: 3.81%
Peers RS (IBD): 91.7
Risk 5d forecast
Volatility39.3%
Rel. Tail Risk-8.26%
Reward TTM
Sharpe Ratio2.45
Alpha98.12
Character TTM
Beta1.016
Beta Downside0.852
Drawdowns 3y
Max DD23.94%
CAGR/Max DD2.05
EPS (Earnings per Share) EPS (Earnings per Share) of WF over the last years for every Quarter: "2021-03": 2.5, "2021-06": 2.65, "2021-09": 2.57, "2021-12": 1.3, "2022-03": 2.83, "2022-06": 2.77, "2022-09": 0.9, "2022-12": 1.46, "2023-03": 2.83, "2023-06": 1.92, "2023-09": 2.69, "2023-12": 0.06, "2024-03": 2.3843, "2024-06": 2.64, "2024-09": 3516, "2024-12": 1482, "2025-03": 2343, "2025-06": 3675, "2025-09": 3.48, "2025-12": 0.9835, "2026-03": 0,
EPS CAGR: -47.73%
EPS Trend: 32.6%
Last SUE: -0.01
Qual. Beats: 0
Revenue Revenue of WF over the last years for every Quarter: 2021-03: 2973235, 2021-06: 3026971, 2021-09: 3149762, 2021-12: 3354118, 2022-03: 3683032, 2022-06: 4038127, 2022-09: 4348000, 2022-12: 5316975, 2023-03: 5682916, 2023-06: 5745098, 2023-09: 5976513, 2023-12: 6537365, 2024-03: 6332323, 2024-06: 6508459, 2024-09: 6581664, 2024-12: 3167432, 2025-03: 6225373, 2025-06: 6251185, 2025-09: 2469605, 2025-12: 7052148.29, 2026-03: null,
Rev. CAGR: 18.91%
Rev. Trend: 12.0%
Last SUE: 3.74
Qual. Beats: 1

Warnings

No concerns identified

Tailwinds

No distinct edge detected

Description: WF Woori Financial

Woori Financial Group Inc. is a diversified financial services company based in South Korea. It operates as a commercial bank, offering a range of financial products to individual, business, and institutional clients. The banking sector in South Korea is highly regulated.

The companys operations span several segments, including Banking, Credit Card, Capital, and Investment Securities. These segments provide services such as deposits, various loan types (e.g., mortgage, working capital), credit and debit card services, lease financing, and securities trading. Diversified financial groups typically offer a broad suite of services to capture a larger share of customer financial needs.

Woori Financial Group also engages in real estate, system software development, foreign exchange, and asset management. Through its subsidiary, Tong Yang Life Insurance Co., Ltd., it offers life insurance, accident compensation, and retirement pension services. For more detailed financial analysis, consider exploring ValueRays comprehensive data for WF.

Headlines to Watch Out For
  • Korean interest rate changes impact net interest margin
  • Loan growth drives banking segment revenue
  • Credit card spending affects fee income
  • Regulatory changes influence financial product offerings
  • Global economic conditions affect investment banking
Piotroski VR‑10 (Strict) 3.0
Net Income: 3122.66b TTM > 0 and > 6% of Revenue
FCF/TA: -0.00 > 0.02 and ΔFCF/TA 2.55 > 1.0
NWC/Revenue: -108.0% < 20% (prev 43.91%; Δ -151.9% < -1%)
CFO/TA -0.00 > 3% & CFO -367.56b > Net Income 3122.66b
Net Debt (68155.17b) to EBITDA (5110.25b): 13.34 < 3
Current Ratio: 0.53 > 1.5 & < 3
Outstanding Shares: last quarter (254.1m) vs 12m ago 3.09% < -2%
Gross Margin: 35.36% > 18% (prev 0.51%; Δ 3.48k% > 0.5%)
Asset Turnover: 3.90% > 50% (prev 4.30%; Δ -0.39% > 0%)
Interest Coverage Ratio: 0.33 > 6 (EBITDA TTM 5110.25b / Interest Expense TTM 12322.82b)
Altman Z'' -0.01
A: -0.04 (Total Current Assets 26356.15b - Total Current Liabilities 50109.53b) / Total Assets 601432.23b
B: 0.04 (Retained Earnings 25555.98b / Total Assets 601432.23b)
C: 0.01 (EBIT TTM 4045.63b / Avg Total Assets 563592.78b)
D: 0.06 (Book Value of Equity 31407.61b / Total Liabilities 567284.91b)
Altman-Z'' Score: -0.01 = B
What is the price of WF shares? As of April 12, 2026, the stock is trading at USD 70.43 with a total of 73,794 shares traded.
Over the past week, the price has changed by +6.87%, over one month by +4.53%, over three months by +24.19% and over the past year by +124.28%.
Is WF a buy, sell or hold? 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
What are the forecasts/targets for the WF price?
Analysts Target Price 94.4 34%
Woori Financial (WF) - Fundamental Data Overview as of 09 April 2026
P/E Trailing = 8.2018
P/E Forward = 2.4558
P/S = 0.0016
P/B = 0.6725
P/EG = 2.4556
Revenue TTM = 21998.31b USD
EBIT TTM = 4045.63b USD
EBITDA TTM = 5110.25b USD
Long Term Debt = 82718.63b USD (from longTermDebt, two quarters ago)
Short Term Debt = 50109.53b USD (from shortTermDebt, last quarter)
Debt = 94511.31b USD (from shortLongTermDebtTotal, last quarter)
Net Debt = 68155.17b USD (from netDebt column, last quarter)
Enterprise Value = 68171.11b USD (15.95b + Debt 94511.31b - CCE 26356.15b)
Interest Coverage Ratio = 0.33 (Ebit TTM 4045.63b / Interest Expense TTM 12322.82b)
EV/FCF = -87.96x (Enterprise Value 68171.11b / FCF TTM -775.07b)
FCF Yield = -1.14% (FCF TTM -775.07b / Enterprise Value 68171.11b)
FCF Margin = -3.52% (FCF TTM -775.07b / Revenue TTM 21998.31b)
Net Margin = 14.20% (Net Income TTM 3122.66b / Revenue TTM 21998.31b)
Gross Margin = 35.36% ((Revenue TTM 21998.31b - Cost of Revenue TTM 14219.72b) / Revenue TTM)
Gross Margin QoQ = 48.26% (prev -50.72%)
Tobins Q-Ratio = 0.11 (Enterprise Value 68171.11b / Total Assets 601432.23b)
Interest Expense / Debt = 3.46% (Interest Expense 3267.76b / Debt 94511.31b)
Taxrate = 33.79% (167.46b / 495.61b)
NOPAT = 2678.63b (EBIT 4045.63b * (1 - 33.79%))
Current Ratio = 0.53 (Total Current Assets 26356.15b / Total Current Liabilities 50109.53b)
Debt / Equity = 2.93 (Debt 94511.31b / totalStockholderEquity, last quarter 32305.50b)
Debt / EBITDA = 13.34 (Net Debt 68155.17b / EBITDA 5110.25b)
 Debt / FCF = -87.93 (negative FCF - burning cash) (Net Debt 68155.17b / FCF TTM -775.07b)
 Total Stockholder Equity = 33891.09b (last 4 quarters mean from totalStockholderEquity)
RoA = 0.55% (Net Income 3122.66b / Total Assets 601432.23b)
RoE = 9.21% (Net Income TTM 3122.66b / Total Stockholder Equity 33891.09b)
RoCE = 3.47% (EBIT 4045.63b / Capital Employed (Equity 33891.09b + L.T.Debt 82718.63b))
RoIC = 2.33% (NOPAT 2678.63b / Invested Capital 115143.28b)
WACC = 2.29% (E(15.95b)/V(94527.26b) * Re(9.56%) + D(94511.31b)/V(94527.26b) * Rd(3.46%) * (1-Tc(0.34)))
Discount Rate = 9.56% (= CAPM, Blume Beta Adj.)
Shares Correlation 3-Years: 100.0 | Cagr: 1.61%
 [DCF] Fair Price = unknown (Cash Flow -775.07b)
 EPS Correlation: 32.56 | EPS CAGR: -47.73% | SUE: -0.01 | # QB: 0
Revenue Correlation: 11.97 | Revenue CAGR: 18.91% | SUE: 3.74 | # QB: 1
EPS current Year (2026-12-31): EPS=14382.70 | Chg7d=+48.110 | Chg30d=+987.932 | Revisions Net=+1 | Growth EPS=+17.6% | Growth Revenue=+6.8%
External Resources
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