Overview Dividends

(WF) Woori Financial - Ratings and Ratios

Exchange: NYSE • Country: South Korea • Currency: USD • Type: Common Stock • ISIN: US9810641087

Banking, Credit Cards, Loans, Securities, Insurance

WF EPS (Earnings per Share)

EPS Growth (3Y CAGR): -49.31%
EPS Trend (3Y Correlation): 54.3%

WF Revenue

Revenue Growth (3Y CAGR): 34.49%
Revenue Trend (3Y Correlation): 62.8%

Description: WF Woori Financial October 31, 2025

Woori Financial Group Inc. (NYSE: WF) is a South-Korean diversified bank that serves individuals, businesses, and institutions across a broad suite of financial services, including traditional banking, credit-card issuance, capital markets, investment securities, and ancillary businesses such as real-estate financing, fintech platforms, and custodial services. Its operations are organized into Banking, Credit Card, Capital, Investment Securities, and “Other” segments, and the group also offers life-insurance and pension products through its subsidiary Tong Yang Life Insurance.

As of Q3 2024, Woori reported total assets of KRW 1,050 trillion and a CET1 capital ratio of 13.2 %, well above the Korean regulator’s 12.5 % minimum, indicating solid solvency. The bank’s loan-to-deposit ratio sits near 92 %, reflecting a balanced funding profile, while net profit grew 7 % YoY to KRW 1.8 trillion, driven by higher fee income from digital banking channels and a modest rebound in mortgage lending as Korea’s housing market stabilizes. Key macro drivers include the Bank of Korea’s policy-rate corridor (currently 3.5 %-4.0 %), which compresses net-interest margins, and the rapid adoption of mobile-banking services-Woori’s mobile app now records over 12 million active users, a 15 % increase year-over-year.

If you want a data-rich, model-ready deep-dive on WF’s valuation sensitivities, the ValueRay platform provides the granular metrics and scenario tools you’ll need.

WF Stock Overview

Market Cap in USD	13,501m
Sub-Industry	Diversified Banks
IPO / Inception	2003-10-01

WF Stock Ratings

Growth Rating	93.8%
Fundamental	37.9%
Dividend Rating	63.0%
Return 12m vs S&P 500	50.4%
Analyst Rating	5.0 of 5

WF Dividends

Dividend Yield 12m	4.04%
Yield on Cost 5y	12.68%
Annual Growth 5y	43.49%
Payout Consistency	64.3%
Payout Ratio	0.0%

WF Growth Ratios

Growth Correlation 3m	11.9%
Growth Correlation 12m	90.4%
Growth Correlation 5y	84%
CAGR 5y	41.06%
CAGR/Max DD 3y (Calmar Ratio)	1.67
CAGR/Mean DD 3y (Pain Ratio)	4.96
Sharpe Ratio 12m	0.37
Alpha	61.26
Beta	0.590
Volatility	25.99%
Current Volume	49.5k
Average Volume 20d	41.3k
Stop Loss	54.2 (-3%)
Signal	0.84

Piotroski VR‑10 (Strict, 0-10) 1.5

Net Income (2882.52b TTM) > 0 and > 6% of Revenue (6% = 1333.54b TTM)

FCFTA -0.02 (>2.0%) and ΔFCFTA -1.50pp (YES ≥ +1.0pp, WARN ≥ +0.5pp)

NWC/Revenue -1372 % (prev -1561 %; Δ 189.0pp) (YES ≤20% & Δ≤-1pp; WARN ≤25% & Δ≤0 oder ≤40% & Δ≤-3pp)

CFO/TA -0.02 (>3.0%) and CFO -8251.12b <= Net Income 2882.52b (YES >=105%, WARN >=100%)

Net Debt (55387.57b) to EBITDA (4164.54b) ratio: 13.30 <= 3.0 (WARN <= 3.5)

Current Ratio 0.24 (target 1.5–3.0; WARN 1.2–<1.5 or >3.0–5.0; CFO/TA gate active)

Outstanding Shares last Quarter (244.7m) change vs 12m ago -1.70% (target <= -2.0% for YES)

Gross Margin 52.14% (prev 61.69%; Δ -9.55pp) >=18% & Δ>=+0.5pp (WARN >=15% & Δ>=0)

Asset Turnover 4.26% (prev 3.70%; Δ 0.57pp) >=50% & Δ>=+2pp (WARN >=35% & Δ>=0)

Interest Coverage Ratio 0.26 (EBITDA TTM 4164.54b / Interest Expense TTM 12540.20b) >= 6 (WARN >= 3)

Altman Z'' -3.47

(A) -0.57 = (Total Current Assets 94459.08b - Total Current Liabilities 399344.21b) / Total Assets 534112.78b

(B) 0.05 = Retained Earnings (Balance) 27734.03b / Total Assets 534112.78b

(D) 0.06 = Book Value of Equity 31536.70b / Total Liabilities 498397.26b

Total Rating: -3.47 = (6.56 * A) + (3.26 * B) + (6.72 * C) + (1.05 * D)

ValueRay F-Score (Strict, 0-100) 37.86

1. Piotroski 1.50pt = -3.50

2. FCF Yield -24.20% = -5.0

3. FCF Margin -38.57% = -7.50

4. Debt/Equity 2.50 = -0.00

5. Debt/Ebitda 13.30 = -2.50

6. ROIC - WACC (= -1.42)% = -1.77

7. RoE 8.49% = 0.71

8. Rev. Trend 62.83% = 4.71

9. EPS Trend 54.25% = 2.71

What is the price of WF shares?

As of November 07, 2025, the stock is trading at USD 55.89 with a total of 49,500 shares traded.
Over the past week, the price has changed by +4.02%, over one month by -1.64%, over three months by +3.93% and over the past year by +72.66%.

Is Woori Financial a good stock to buy?

No, based on ValueRay´s Fundamental Analyses, Woori Financial (NYSE:WF) is currently (November 2025) a stock to sell. It has a ValueRay Fundamental Rating of 37.86 and therefor a negative outlook according to the companies health.
Based on momentum, paid dividends and discounted-cash-flow analyses, the fair value of WF is around 76.71 USD . This means that WF is currently undervalued and has a potential upside of +37.25% (Margin of Safety).

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.

Strong Buy: 1
Buy: 0
Hold: 0
Sell: 0
Strong Sell: 0

What are the forecasts/targets for the WF price?

Issuer	Target	Up/Down from current
Wallstreet Target Price	69.9	25.1%
Analysts Target Price	69.9	25.1%
ValueRay Target Price	81.8	46.4%

WF Fundamental Data Overview November 06, 2025

Market Cap KRW = 19399.76b (13.50b USD * 1436.9 USD.KRW)
P/E Trailing = 6.9848
P/E Forward = 2.4558
P/S = 0.0013
P/B = 0.5595
P/EG = 2.4556
Beta = 0.59
Revenue TTM = 22225.65b KRW
EBIT TTM = 3251.79b KRW
EBITDA TTM = 4164.54b KRW
Long Term Debt = 80033.42b KRW (from longTermDebt, last quarter)
Short Term Debt = 4958.88b KRW (from shortTermDebt, last quarter)
Debt = 85513.02b KRW (from shortLongTermDebtTotal, last quarter)
Net Debt = 55387.57b KRW (from netDebt column, last quarter)
Enterprise Value = 35416.93b KRW (19399.76b + Debt 85513.02b - CCE 69495.85b)
Interest Coverage Ratio = 0.26 (Ebit TTM 3251.79b / Interest Expense TTM 12540.20b)
FCF Yield = -24.20% (FCF TTM -8572.66b / Enterprise Value 35416.93b)
FCF Margin = -38.57% (FCF TTM -8572.66b / Revenue TTM 22225.65b)
Net Margin = 12.97% (Net Income TTM 2882.52b / Revenue TTM 22225.65b)
Gross Margin = 52.14% ((Revenue TTM 22225.65b - Cost of Revenue TTM 10636.59b) / Revenue TTM)
Gross Margin QoQ = 46.23% (prev 43.97%)
Tobins Q-Ratio = 0.07 (Enterprise Value 35416.93b / Total Assets 534112.78b)
Interest Expense / Debt = 3.34% (Interest Expense 2852.79b / Debt 85513.02b)
Taxrate = 20.80% (246.74b / 1186.48b)
NOPAT = 2575.55b (EBIT 3251.79b * (1 - 20.80%))
Current Ratio = 0.24 (Total Current Assets 94459.08b / Total Current Liabilities 399344.21b)
Debt / Equity = 2.50 (Debt 85513.02b / totalStockholderEquity, last quarter 34175.49b)
Debt / EBITDA = 13.30 (Net Debt 55387.57b / EBITDA 4164.54b)
Debt / FCF = -6.46 (negative FCF - burning cash) (Net Debt 55387.57b / FCF TTM -8572.66b)
Total Stockholder Equity = 33938.26b (last 4 quarters mean from totalStockholderEquity)
RoA = 0.54% (Net Income 2882.52b / Total Assets 534112.78b)
RoE = 8.49% (Net Income TTM 2882.52b / Total Stockholder Equity 33938.26b)
RoCE = 2.85% (EBIT 3251.79b / Capital Employed (Equity 33938.26b + L.T.Debt 80033.42b))
RoIC = 2.25% (NOPAT 2575.55b / Invested Capital 114308.74b)
WACC = 3.67% (E(19399.76b)/V(104912.78b) * Re(8.19%) + D(85513.02b)/V(104912.78b) * Rd(3.34%) * (1-Tc(0.21)))
Discount Rate = 8.19% (= CAPM, Blume Beta Adj.)
Shares Correlation 3-Years: -33.33 | Cagr: -0.30%
Fair Price DCF = unknown (Cash Flow -8572.66b)
EPS Correlation: 54.25 | EPS CAGR: -49.31% | SUE: -0.01 | # QB: 0
Revenue Correlation: 62.83 | Revenue CAGR: 34.49% | SUE: 0.79 | # QB: 0

Additional Sources for WF Stock

News: Wall Street Journal | Benzinga | Yahoo Finance
Tweets: X | Stocktwits
Fund Manager Positions: Dataroma | Stockcircle