(WF) Woori Financial - Overview
Stock: Banking, Credit Card, Capital, Securities, Insurance
EPS (Earnings per Share)
Revenue
Dividends
| Dividend Yield | 6.58% |
| Yield on Cost 5y | 14.60% |
| Yield CAGR 5y | 7.44% |
| Payout Consistency | 63.8% |
| Payout Ratio | - |
| Risk 5d forecast | |
|---|---|
| Volatility | 31.7% |
| Relative Tail Risk | -6.81% |
| Reward TTM | |
|---|---|
| Sharpe Ratio | 2.54 |
| Alpha | 106.07 |
| Character TTM | |
|---|---|
| Beta | 0.662 |
| Beta Downside | 0.642 |
| Drawdowns 3y | |
|---|---|
| Max DD | 19.30% |
| CAGR/Max DD | 2.00 |
Description: WF Woori Financial January 04, 2026
Woori Financial Group Inc. (NYSE:WF) is a South-Korean diversified bank that serves individuals, businesses, and institutions through five primary segments: Banking, Credit Card, Capital, Investment Securities, and “Others.” Its product suite spans traditional deposit and loan offerings, credit-card and cash-service products, lease financing, securities trading, project and syndicated financing, bancassurance, and a range of digital channels (telephone, internet, mobile). The group also operates Tong Yang Life Insurance, delivering life, accident, child, and retirement-pension insurance, as well as asset-management services.
Key quantitative signals (as of FY 2023, the latest public data) suggest a moderate profitability profile for the Korean banking sector: Woori reported a return on equity (ROE) of roughly 6.5%, a net interest margin (NIM) near 1.7%, and a non-performing loan (NPL) ratio of about 1.2%-both slightly better than the industry average of ~1.5% NPLs. The bank’s total assets stood at ≈ ¥ 1 trillion KRW, and its loan-to-deposit ratio was around 92%, indicating a balanced funding structure. Recent earnings releases show a 4% YoY increase in digital-banking transactions, reflecting broader consumer shifts toward online channels in Korea.
Sector-wide drivers that will likely shape Woori’s outlook include the Bank of Korea’s policy rate trajectory (currently at 3.5% after a series of hikes to curb inflation), which compresses NIMs but also improves net interest income on a larger loan book; the country’s aging demographics, which boost demand for retirement-pension and life-insurance products; and regulatory pressure on loan-loss provisioning that could affect earnings volatility. If Korean GDP growth stalls below 1% or if NPLs rise above 2%, the bank’s credit quality and profitability could deteriorate markedly.
For a deeper quantitative dive, you might explore ValueRay’s detailed financial models for WF.
Piotroski VR‑10 (Strict, 0-10) 5.5
| Net Income: 3222.07b TTM > 0 and > 6% of Revenue |
| FCF/TA: 0.05 > 0.02 and ΔFCF/TA 12.73 > 1.0 |
| NWC/Revenue: -1632 % < 20% (prev -1203 %; Δ -429.0% < -1%) |
| CFO/TA 0.05 > 3% & CFO 28720.89b > Net Income 3222.07b |
| Net Debt (65789.33b) to EBITDA (2984.74b): 22.04 < 3 |
| Current Ratio: 0.22 > 1.5 & < 3 |
| Outstanding Shares: last quarter (243.7m) vs 12m ago -1.22% < -2% |
| Gross Margin: 62.19% > 18% (prev 0.58%; Δ 6161 % > 0.5%) |
| Asset Turnover: 3.20% > 50% (prev 4.77%; Δ -1.57% > 0%) |
| Interest Coverage Ratio: 0.17 > 6 (EBITDA TTM 2984.74b / Interest Expense TTM 12379.93b) |
Altman Z'' -3.05
| A: -0.50 (Total Current Assets 85546.35b - Total Current Liabilities 381101.55b) / Total Assets 586956.41b |
| B: 0.05 (Retained Earnings 28645.00b / Total Assets 586956.41b) |
| C: 0.00 (EBIT TTM 2051.08b / Avg Total Assets 565330.80b) |
| D: 0.06 (Book Value of Equity 34456.83b / Total Liabilities 549804.90b) |
| Altman-Z'' Score: -3.05 = D |
Beneish M -3.28
| DSRI: 1.07 (Receivables 16851.48b/22583.89b, Revenue 18113.60b/25959.81b) |
| GMI: 0.93 (GM 62.19% / 57.67%) |
| AQI: 1.03 (AQ_t 0.84 / AQ_t-1 0.81) |
| SGI: 0.70 (Revenue 18113.60b / 25959.81b) |
| TATA: -0.04 (NI 3222.07b - CFO 28720.89b) / TA 586956.41b) |
| Beneish M-Score: -3.28 (Cap -4..+1) = AA |
What is the price of WF shares?
Over the past week, the price has changed by +3.68%, over one month by +11.05%, over three months by +19.02% and over the past year by +114.92%.
Is WF a buy, sell or hold?
- StrongBuy: 1
- Buy: 0
- Hold: 0
- Sell: 0
- StrongSell: 0
What are the forecasts/targets for the WF price?
| Issuer | Target | Up/Down from current |
|---|---|---|
| Wallstreet Target Price | 71.1 | 8.9% |
| Analysts Target Price | 71.1 | 8.9% |
| ValueRay Target Price | 91.1 | 39.5% |
WF Fundamental Data Overview February 05, 2026
P/E Trailing = 7.5401
P/E Forward = 2.4558
P/S = 0.0014
P/B = 0.6508
P/EG = 2.4556
Revenue TTM = 18113.60b KRW
EBIT TTM = 2051.08b KRW
EBITDA TTM = 2984.74b KRW
Long Term Debt = 82718.63b KRW (from longTermDebt, last quarter)
Short Term Debt = 1713.24b KRW (from shortTermDebt, last fiscal year)
Debt = 79897.71b KRW (from shortLongTermDebtTotal, last quarter)
Net Debt = 65789.33b KRW (from netDebt column, last quarter)
Enterprise Value = 89406.39b KRW (23617.06b + Debt 79897.71b - CCE 14108.38b)
Interest Coverage Ratio = 0.17 (Ebit TTM 2051.08b / Interest Expense TTM 12379.93b)
EV/FCF = 3.14x (Enterprise Value 89406.39b / FCF TTM 28472.87b)
FCF Yield = 31.85% (FCF TTM 28472.87b / Enterprise Value 89406.39b)
FCF Margin = 157.2% (FCF TTM 28472.87b / Revenue TTM 18113.60b)
Net Margin = 17.79% (Net Income TTM 3222.07b / Revenue TTM 18113.60b)
Gross Margin = 62.19% ((Revenue TTM 18113.60b - Cost of Revenue TTM 6849.01b) / Revenue TTM)
Gross Margin QoQ = 100.0% (prev 46.23%)
Tobins Q-Ratio = 0.15 (Enterprise Value 89406.39b / Total Assets 586956.41b)
Interest Expense / Debt = 3.94% (Interest Expense 3149.10b / Debt 79897.71b)
Taxrate = 15.54% (237.55b / 1529.05b)
NOPAT = 1732.43b (EBIT 2051.08b * (1 - 15.54%))
Current Ratio = 0.22 (Total Current Assets 85546.35b / Total Current Liabilities 381101.55b)
Debt / Equity = 2.26 (Debt 79897.71b / totalStockholderEquity, last quarter 35355.60b)
Debt / EBITDA = 22.04 (Net Debt 65789.33b / EBITDA 2984.74b)
Debt / FCF = 2.31 (Net Debt 65789.33b / FCF TTM 28472.87b)
Total Stockholder Equity = 34338.93b (last 4 quarters mean from totalStockholderEquity)
RoA = 0.57% (Net Income 3222.07b / Total Assets 586956.41b)
RoE = 9.38% (Net Income TTM 3222.07b / Total Stockholder Equity 34338.93b)
RoCE = 1.75% (EBIT 2051.08b / Capital Employed (Equity 34338.93b + L.T.Debt 82718.63b))
RoIC = 1.50% (NOPAT 1732.43b / Invested Capital 115276.87b)
WACC = 4.48% (E(23617.06b)/V(103514.77b) * Re(8.36%) + D(79897.71b)/V(103514.77b) * Rd(3.94%) * (1-Tc(0.16)))
Discount Rate = 8.36% (= CAPM, Blume Beta Adj.)
Shares Correlation 3-Years: -33.33 | Cagr: -0.50%
[DCF Debug] Terminal Value 85.17% ; FCFF base≈28472.87b ; Y1≈25526.09b ; Y5≈21723.07b
Fair Price DCF = 2.43m (EV 656823.97b - Net Debt 65789.33b = Equity 591034.64b / Shares 243.7m; r=5.90% [WACC]; 5y FCF grow -12.79% → 2.90% )
EPS Correlation: 45.31 | EPS CAGR: -47.70% | SUE: -0.00 | # QB: 0
Revenue Correlation: 14.46 | Revenue CAGR: -7.84% | SUE: -0.09 | # QB: 0
EPS next Year (2026-12-31): EPS=13318.92 | Chg30d=+403.813 | Revisions Net=+1 | Growth EPS=+3.9% | Growth Revenue=+6.2%