(WF) Woori Financial - NYSE
Sector: Financial Services | Industry: Banks - Regional | Exchange: NYSE (USA) | Market Cap: 14.693m USD | Total Return: 44.2% in 12m
Avg Turnover: 10.9M
EPS Trend: 75.0%
Qual. Beats: 0
Rev. Trend: -36.2%
Qual. Beats: 0
Warnings
Below Avwap Earnings
Tailwinds
No distinct edge detected
Woori Financial Group Inc. (WF) is a Seoul-based financial services holding company operating primarily in South Korea, with additional footprints in the United States, China, and Europe. The firm utilizes a universal banking model, diversifying its revenue streams across commercial banking, credit cards, investment securities, and life insurance. Its core operations include retail and corporate lending, deposit-taking, and asset management for individual and institutional clients.
As a constituent of the South Korean banking sector, Woori is categorized as a Diversified Bank, a business model that benefits from cross-selling financial products to a centralized customer base. The South Korean financial market is characterized by high regulatory oversight and a mature credit environment, where major banks often function as pillars of the national economy. Beyond traditional lending, the company generates non-interest income through brokerage fees, foreign exchange handling, and private equity fund management.
Investors looking for deeper insights into the companys valuation metrics may find ValueRay to be a useful resource for further analysis. Founded in 1899, the organization also engages in specialized financial activities including real estate investment, lease financing, and system software development for the banking industry.
- Net interest margin sensitivity to Bank of Korea monetary policy shifts
- Non-interest income growth through expansion into non-banking financial services segments
- Regulatory pressure on dividend payouts and shareholder return enhancement programs
- Asset quality fluctuations driven by domestic South Korean household debt levels
- Digital transformation initiatives reducing operational overhead and improving cost-to-income ratios
| Net Income: 3177b TTM > 0 and > 6% of Revenue |
| FCF/TA: 0.04 > 0.02 and ΔFCF/TA 5.76 > 1.0 |
| NWC/Revenue: -215.3% < 20% (prev -1.18k%; Δ 959.7% < -1%) |
| CFO/TA 0.05 > 3% & CFO 27610b > Net Income 3177b |
| Net Debt (-24604b) to EBITDA (4763b): -5.17 < 3 |
| Current Ratio: 0.38 > 1.5 & < 3 |
| Outstanding Shares: last quarter (258.9m) vs 12m ago -1.46% < -2% |
| Gross Margin: -1.77% > 18% (prev 42.72%; Δ -44.50% > 0.5%) |
| Asset Turnover: 2.49% > 50% (prev 4.81%; Δ -2.33% > 0%) |
| Interest Coverage Ratio: 0.29 > 6 (EBIT TTM 3691b / Interest Expense TTM 12537b) |
| A: -0.05 (Total Current Assets 18962b - Total Current Liabilities 49386b) / Total Assets 603630b |
| B: 0.04 (Retained Earnings 24802b / Total Assets 603630b) |
| C: 0.01 (EBIT TTM 3691b / Avg Total Assets 568163b) |
| D: 0.06 (Book Value of Equity 33796b / Total Liabilities 567964b) |
| Altman-Z'' = -0.09 = B |
| DSRI: 1.86 (Receivables 22919b/22333b, Revenue 14130b/25643b) |
| GMI: 1.00 (fallback, negative margins) |
| AQI: 1.17 (AQ_t 0.95 / AQ_t-1 0.81) |
| SGI: 0.55 (Revenue 14130b / 25643b) |
| TATA: -0.04 (NI 3177b - CFO 27610b) / TA 603630b) |
| Beneish M = -2.54 (Cap -4..+1) = A |
As of June 15, 2026, the stock is trading at USD 62.28 with a total of 118,878 shares traded.
Over the past week, the price has changed by +2.82%,
over one month by -2.20%,
over three months by -2.80% and
over the past year by +44.23%.
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 | 93.3 | 49.7% |
P/E Trailing = 7.6381
P/E Forward = 2.4558
P/S = 0.0015
P/B = 0.5916
P/EG = 2.4556
Revenue TTM = 14130b USD
EBIT TTM = 3691b USD
EBITDA TTM = 4763b USD
Long Term Debt = 88140b USD (from longTermDebt, last quarter)
Short Term Debt = 49386b USD (from shortTermDebt, last quarter)
Debt = 92020b USD (from shortLongTermDebtTotal, last quarter) + Leases 558b
Net Debt = -24604b USD (calculated: Debt 92020b - CCE 116624b)
Enterprise Value = 14.7b USD (floored to Market Cap, CCE > MCap+Debt)
Interest Coverage Ratio = 0.29 (Ebit TTM 3691b / Interest Expense TTM 12537b)
EV/FCF = 0.00x (Enterprise Value 14.7b / FCF TTM 27136b)
FCF Yield = 185k% (FCF TTM 27136b / Enterprise Value 14.7b)
FCF Margin = 192.0% (FCF TTM 27136b / Revenue TTM 14130b)
Net Margin = 22.48% (Net Income TTM 3177b / Revenue TTM 14130b)
Gross Margin = -1.77% ((Revenue TTM 14130b - Cost of Revenue TTM 14380b) / Revenue TTM)
Gross Margin QoQ = none% (prev none%)
Tobins Q-Ratio = 0.00 (Enterprise Value 14.7b / Total Assets 603630b)
Interest Expense / Debt = 13.62% (Interest Expense 12537b / Debt 92020b)
Taxrate = 21.23% (870b / 4099b)
NOPAT = 2907b (EBIT 3691b * (1 - 21.23%))
Current Ratio = 0.38 (Total Current Assets 18962b / Total Current Liabilities 49386b)
Debt / Equity = 2.72 (Debt 92020b / totalStockholderEquity, last quarter 33796b)
Debt / EBITDA = -5.17 (Net Debt -24604b / EBITDA 4763b)
Debt / FCF = -0.91 (Net Debt -24604b / FCF TTM 27136b)
Total Stockholder Equity = 33909b (last 4 quarters mean from totalStockholderEquity)
RoA = 0.56% (Net Income 3177b / Total Assets 603630b)
RoE = 9.37% (Net Income TTM 3177b / Total Stockholder Equity 33909b)
RoCE = 3.02% (EBIT 3691b / Capital Employed (Equity 33909b + L.T.Debt 88140b))
RoIC = 0.48% (NOPAT 2907b / Invested Capital 602924b)
WACC = 10.73% (E(14.7b)/V(92035b) * Re(9.37%) + D(92020b)/V(92035b) * Rd(13.62%) * (1-Tc(0.21)))
Discount Rate = 9.37% (= CAPM, Blume Beta Adj.)
Shares (quarterly) Correlation: 8.99 | Cagr: 2.28%
[DCF] Terminal Value 67.56% ; FCFF base≈27136b ; Y1≈27248b ; Y5≈28864b
[DCF] Fair Price = 1.42m (EV 319517b - Net Debt -24604b = Equity 344121b / Shares 242.6m; r=10.73% [WACC]; 5y FCF grow 0.0% → 2.50% )
[DCF] Fair Price = 1.42m (out of range, set to none)
EPS Correlation: 75.03 | EPS CAGR: 20.58% | SUE: -0.00 | # QB: 0
Revenue Correlation: -36.23 | Revenue CAGR: -6.82% | SUE: -0.33 | # QB: 0
EPS current Quarter (2026-06-30): EPS=4247.01 | Chg30d=N/A | Revisions=N/A | Analysts=1
EPS next Quarter (2026-09-30): EPS=4182.65 | Chg30d=N/A | Revisions=N/A | Analysts=1
EPS current Year (2026-12-31): EPS=13435.60 | Chg30d=-5.79% | Revisions=-20% | GrowthEPS=+9.9% | GrowthRev=+6.8%
EPS next Year (2027-12-31): EPS=15643.09 | Chg30d=N/A | Revisions=N/A | GrowthEPS=+16.4% | GrowthRev=+4.7%