(WF) Woori Financial - Ratings and Ratios
Banking, CreditCard, Loans, Securities, Investment, Insurance, Trust
WF EPS (Earnings per Share)
WF Revenue
Description: WF Woori Financial
Woori Financial Group Inc. is a diversified financial services provider operating primarily in Korea, offering a broad range of banking, credit card, securities, and other financial products to individuals, businesses, and institutions. The companys diverse business segments enable it to cater to various customer needs, from basic banking services like deposits and loans to more complex financial solutions such as investment products, foreign exchange, and asset management.
Key performance indicators (KPIs) that can be used to evaluate Woori Financial Groups performance include its net interest margin (NIM), which measures the difference between the interest income generated by the bank and the amount of interest paid to its depositors. Additionally, the banks asset quality, measured by its non-performing loan (NPL) ratio, is crucial in assessing its credit risk management. The companys return on equity (RoE) of 8.53% indicates a relatively decent profitability, although this should be benchmarked against industry averages and peers.
Further analysis could involve examining the companys capital adequacy ratio (CAR), which is a measure of a banks capital expressed as a percentage of its risk-weighted credit exposures, and its liquidity coverage ratio (LCR), which assesses its ability to meet short-term liquidity needs. Woori Financial Groups diversified business model and extensive branch network in Korea provide a solid foundation for its operations, and its ability to adapt to changing regulatory requirements and market conditions will be critical in maintaining its competitive position.
From a valuation perspective, the companys price-to-earnings (P/E) ratio of 6.24 and forward P/E of 2.46 suggest that it may be undervalued relative to its earnings potential, although this should be considered in the context of industry averages and the overall market environment. A more detailed analysis of the companys financial statements and industry trends would be necessary to form a more informed investment thesis.
WF Stock Overview
| Market Cap in USD | 13,269m |
| Sub-Industry | Diversified Banks |
| IPO / Inception | 2003-10-01 |
WF Stock Ratings
| Growth Rating | 88.9% |
| Fundamental | 38.8% |
| Dividend Rating | 65.6% |
| Return 12m vs S&P 500 | 45.8% |
| Analyst Rating | 5.0 of 5 |
WF Dividends
| Dividend Yield 12m | 5.57% |
| Yield on Cost 5y | 17.31% |
| Annual Growth 5y | 33.49% |
| Payout Consistency | 64.3% |
| Payout Ratio | 0.0% |
WF Growth Ratios
| Growth Correlation 3m | 52.9% |
| Growth Correlation 12m | 73.9% |
| Growth Correlation 5y | 84% |
| CAGR 5y | 45.57% |
| CAGR/Max DD 3y | 1.85 |
| CAGR/Mean DD 3y | 6.55 |
| Sharpe Ratio 12m | 0.66 |
| Alpha | 0.04 |
| Beta | 0.960 |
| Volatility | 31.58% |
| Current Volume | 51k |
| Average Volume 20d | 38.9k |
| Stop Loss | 56 (-3%) |
| Signal | 1.13 |
Piotroski VR‑10 (Strict, 0-10) 1.5
| Net Income (2882.52b TTM) > 0 and > 6% of Revenue (6% = 1333.54b TTM) |
| FCFTA -0.01 (>2.0%) and ΔFCFTA 1.47pp (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 |
| (C) 0.01 = EBIT TTM 3251.79b / Avg Total Assets 521446.97b |
| (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) 38.83
| 1. Piotroski 1.50pt = -3.50 |
| 2. FCF Yield -19.31% = -5.0 |
| 3. FCF Margin -29.43% = -7.50 |
| 4. Debt/Equity 2.49 = 0.02 |
| 5. Debt/Ebitda 20.41 = -2.50 |
| 6. ROIC - WACC (= -1.63)% = -2.04 |
| 7. RoE 8.49% = 0.71 |
| 8. Rev. Trend 62.83% = 4.71 |
| 9. EPS Trend 78.65% = 3.93 |
What is the price of WF shares?
Over the past week, the price has changed by +7.26%, over one month by +8.29%, over three months by +26.52% and over the past year by +73.04%.
Is Woori Financial a good stock to buy?
Based on momentum, paid dividends and discounted-cash-flow analyses, the fair value of WF is around 78.39 USD . This means that WF is currently undervalued and has a potential upside of +35.72% (Margin of Safety).
Is WF a buy, sell or hold?
- 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 | 71.7 | 24.2% |
| Analysts Target Price | 71.7 | 24.2% |
| ValueRay Target Price | 83.7 | 44.9% |
Last update: 2025-09-05 05:08
WF Fundamental Data Overview
CCE Cash And Equivalents = 69495.85b KRW (Cash And Short Term Investments, last quarter)
P/E Trailing = 6.83
P/E Forward = 2.4558
P/S = 0.0013
P/B = 0.5416
P/EG = 2.4556
Beta = 0.637
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 = 84992.29b KRW (Calculated: Short Term 4958.88b + Long Term 80033.42b)
Net Debt = 55387.57b KRW (from netDebt column, last quarter)
Enterprise Value = 33881.51b KRW (18385.07b + Debt 84992.29b - CCE 69495.85b)
Interest Coverage Ratio = 0.26 (Ebit TTM 3251.79b / Interest Expense TTM 12540.20b)
FCF Yield = -19.31% (FCF TTM -6541.28b / Enterprise Value 33881.51b)
FCF Margin = -29.43% (FCF TTM -6541.28b / 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)
Tobins Q-Ratio = 1.07 (Enterprise Value 33881.51b / Book Value Of Equity 31536.70b)
Interest Expense / Debt = 3.36% (Interest Expense 2852.79b / Debt 84992.29b)
Taxrate = 24.90% (1051.38b / 4222.85b)
NOPAT = 2442.18b (EBIT 3251.79b * (1 - 24.90%))
Current Ratio = 0.24 (Total Current Assets 94459.08b / Total Current Liabilities 399344.21b)
Debt / Equity = 2.49 (Debt 84992.29b / last Quarter total Stockholder Equity 34175.49b)
Debt / EBITDA = 20.41 (Net Debt 55387.57b / EBITDA 4164.54b)
Debt / FCF = -12.99 (Debt 84992.29b / FCF TTM -6541.28b)
Total Stockholder Equity = 33938.26b (last 4 quarters mean)
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 / (Equity 33938.26b + L.T.Debt 80033.42b))
RoIC = 2.14% (NOPAT 2442.18b / Invested Capital 114308.74b)
WACC = 3.77% (E(18385.07b)/V(103377.36b) * Re(9.55%)) + (D(84992.29b)/V(103377.36b) * Rd(3.36%) * (1-Tc(0.25)))
Shares Correlation 3-Years: -24.62 | Cagr: 0.07%
Discount Rate = 9.55% (= CAPM, Blume Beta Adj.)
Fair Price DCF = unknown (Cash Flow -6541.28b)
EPS Correlation: 78.65 | EPS CAGR: 1956 % | SUE: 0.38 | # QB: 0
Revenue Correlation: 62.83 | Revenue CAGR: 34.49% | SUE: N/A | # QB: None
Additional Sources for WF Stock
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Fund Manager Positions: Dataroma | Stockcircle