WF Fundamental Analysis - WOORI FINANCIAL-SPON ADR

Fundamental Rating

Taking everything into account, WF scores 3 out of 10 in our fundamental rating. WF was compared to 394 industry peers in the Banks industry. Both the profitability and financial health of WF have multiple concerns. WF has a correct valuation and a medium growth rate. Finally WF also has an excellent dividend rating.

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1. Profitability

1.1 Basic Checks

In the past year WF was profitable.

In the past year WF has reported a negative cash flow from operations.

In the past 5 years WF has always been profitable.

In multiple years WF reported negative operating cash flow during the last 5 years.

1.2 Ratios

WF's Return On Assets of 0.51% is on the low side compared to the rest of the industry. WF is outperformed by 76.14% of its industry peers.

Looking at the Return On Equity, with a value of 8.05%, WF is in line with its industry, outperforming 47.97% of the companies in the same industry.

		Industry Rank	Sector Rank
ROA	0.51%
ROE	8.05%
ROIC	N/A

ROA(3y)0.56%

ROA(5y)0.51%

ROE(3y)8.9%

ROE(5y)8.38%

ROIC(3y)N/A

ROIC(5y)N/A

1.3 Margins

With a Profit Margin value of 16.83%, WF is not doing good in the industry: 72.34% of the companies in the same industry are doing better.

WF's Profit Margin has declined in the last couple of years.

The Operating Margin and Gross Margin are not available for WF so they could not be analyzed.

		Industry Rank	Sector Rank
OM	N/A
PM (TTM)	16.83%
GM	N/A

OM growth 3YN/A

OM growth 5YN/A

PM growth 3Y-5.9%

PM growth 5Y-2.27%

GM growth 3YN/A

GM growth 5YN/A

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ROA

ROE

ROIC

Operating and Profit Margin

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2. Health

2.1 Basic Checks

WF does not have a ROIC to compare to the WACC, probably because it is not profitable.

The number of shares outstanding for WF has been reduced compared to 1 year ago.

Compared to 5 years ago, WF has more shares outstanding

The debt/assets ratio for WF is higher compared to a year ago.

2.2 Solvency

WF has a Debt/Equity ratio of 2.44. This is a high value indicating a heavy dependency on external financing.

The Debt to Equity ratio of WF (2.44) is worse than 91.62% of its industry peers.

		Industry Rank	Sector Rank
Debt/Equity	2.44
Debt/FCF	N/A
Altman-Z	N/A

ROIC/WACCN/A

WACC11.72%

2.3 Liquidity

		Industry Rank	Sector Rank
Current Ratio	N/A
Quick Ratio	N/A

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WACC

Debt/Equity

How to determine the health of a company

Altman-Z score

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3. Growth

3.1 Past

The Earnings Per Share has grown by an nice 19.63% over the past year.

The Earnings Per Share has been growing slightly by 7.67% on average over the past years.

WF shows a small growth in Revenue. In the last year, the Revenue has grown by 2.64%.

Measured over the past years, WF shows a quite strong growth in Revenue. The Revenue has been growing by 11.94% on average per year.

EPS 1Y (TTM)19.63%

EPS 3Y4.3%

EPS 5Y7.67%

EPS Q2Q%-26.04%

Revenue 1Y (TTM)2.64%

Revenue growth 3Y11.69%

Revenue growth 5Y11.94%

Sales Q2Q%7.11%

3.2 Future

The Earnings Per Share is expected to grow by 6.23% on average over the next years.

The Revenue is expected to grow by 2.67% on average over the next years.

EPS Next Y6.96%

EPS Next 2Y6.67%

EPS Next 3Y6.23%

EPS Next 5YN/A

Revenue Next Year3.47%

Revenue Next 2Y2.78%

Revenue Next 3Y2.67%

Revenue Next 5YN/A

3.3 Evolution

When comparing the EPS growth rate of the last years to the growth rate of the upcoming years, we see that the growth is stable.

The Revenue growth rate is decreasing: in the next years the growth will be less than in the last years.

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4. Valuation

4.1 Price/Earnings Ratio

With a Price/Earnings ratio of 7.15, the valuation of WF can be described as very cheap.

Compared to the rest of the industry, the Price/Earnings ratio of WF indicates a rather cheap valuation: WF is cheaper than 95.18% of the companies listed in the same industry.

Compared to an average S&P500 Price/Earnings ratio of 27.19, WF is valued rather cheaply.

The Price/Forward Earnings ratio is 5.85, which indicates a rather cheap valuation of WF.

Compared to the rest of the industry, the Price/Forward Earnings ratio of WF indicates a rather cheap valuation: WF is cheaper than 94.67% of the companies listed in the same industry.

WF's Price/Forward Earnings ratio indicates a rather cheap valuation when compared to the S&P500 average which is at 35.33.

		Industry Rank	Sector Rank
PE	7.15
Fwd PE	5.85

4.2 Price Multiples

		Industry Rank	Sector Rank
P/FCF	N/A
EV/EBITDA	N/A

4.3 Compensation for Growth

The PEG Ratio(NY), which compensates the Price/Earnings for growth, indicates a correct valuation of the company.

PEG (NY)1.03

PEG (5Y)0.93

EPS Next 2Y6.67%

EPS Next 3Y6.23%

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5. Dividend

5.1 Amount

WF has a Yearly Dividend Yield of 4.68%, which is a nice return.

Compared to an average industry Dividend Yield of 3.31, WF pays a better dividend. On top of this WF pays more dividend than 86.04% of the companies listed in the same industry.

Compared to an average S&P500 Dividend Yield of 2.35, WF pays a better dividend.

		Industry Rank	Sector Rank
Dividend Yield	4.68%

5.2 History

On average, the dividend of WF grows each year by 13.48%, which is quite nice.

WF has been paying a dividend for at least 10 years, so it has a reliable track record.

The dividend of WF decreased recently.

Dividend Growth(5Y)13.48%

Div Incr Years1

Div Non Decr Years1

5.3 Sustainability

WF pays out 32.34% of its income as dividend. This is a sustainable payout ratio.

WF's earnings are growing slower than its dividend. This means the dividend growth is not sustainable.

DP32.34%

EPS Next 2Y6.67%

EPS Next 3Y6.23%

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WOORI FINANCIAL-SPON ADR

NYSE:WF (7/15/2025, 8:04:00 PM)

After market: 57.36 0 (0%)

57.36

-0.25 (-0.43%)

Chartmill FA Rating

GICS SectorFinancials

GICS IndustryGroupBanks

GICS IndustryBanks

Earnings (Last)04-25 2025-04-25/dmh

Earnings (Next)07-25 2025-07-25

Inst Owners29.28%

Inst Owner Change0%

Ins Owners0%

Ins Owner ChangeN/A

Market Cap14.07B

Analysts82.31

Price Target46.01 (-19.79%)

Short Float %0.03%

Short Ratio1.21

Dividend

		Industry Rank	Sector Rank
Dividend Yield	4.68%

Yearly Dividend2.59

Dividend Growth(5Y)13.48%

DP32.34%

Div Incr Years1

Div Non Decr Years1

Ex-Date05-09 2025-05-09 (0.435894)

Surprises & Revisions

EPS beat(2)0

Avg EPS beat(2)-21.31%

Min EPS beat(2)-32.74%

Max EPS beat(2)-9.87%

EPS beat(4)1

Avg EPS beat(4)-8.34%

Min EPS beat(4)-32.74%

Max EPS beat(4)11.75%

EPS beat(8)2

Avg EPS beat(8)-19.51%

EPS beat(12)3

Avg EPS beat(12)-14.43%

EPS beat(16)6

Avg EPS beat(16)-8.99%

Revenue beat(2)2

Avg Revenue beat(2)13.36%

Min Revenue beat(2)11.95%

Max Revenue beat(2)14.77%

Revenue beat(4)4

Avg Revenue beat(4)12.24%

Min Revenue beat(4)1.92%

Max Revenue beat(4)20.32%

Revenue beat(8)7

Avg Revenue beat(8)7.25%

Revenue beat(12)11

Avg Revenue beat(12)23.21%

Revenue beat(16)15

Avg Revenue beat(16)28.16%

PT rev (1m)4.42%

PT rev (3m)13.16%

EPS NQ rev (1m)0%

EPS NQ rev (3m)-1.37%

EPS NY rev (1m)0%

EPS NY rev (3m)-0.4%

Revenue NQ rev (1m)23.33%

Revenue NQ rev (3m)23.75%

Revenue NY rev (1m)0%

Revenue NY rev (3m)1.18%

Valuation

		Industry Rank	Sector Rank
PE	7.15
Fwd PE	5.85
P/S	1.2
P/FCF	N/A
P/OCF	N/A
P/B	0.58
P/tB	0.6
EV/EBITDA	N/A

EPS(TTM)8.02

EY13.98%

EPS(NY)9.81

Fwd EY17.1%

FCF(TTM)-19.88

FCFYN/A

OCF(TTM)-18.66

OCFYN/A

SpS47.65

BVpS99.62

TBVpS96.38

PEG (NY)1.03

PEG (5Y)0.93

Profitability

		Industry Rank	Sector Rank
ROA	0.51%
ROE	8.05%
ROCE	N/A
ROIC	N/A
ROICexc	N/A
ROICexgc	N/A
OM	N/A
PM (TTM)	16.83%
GM	N/A
FCFM	N/A

ROA(3y)0.56%

ROA(5y)0.51%

ROE(3y)8.9%

ROE(5y)8.38%

ROIC(3y)N/A

ROIC(5y)N/A

ROICexc(3y)N/A

ROICexc(5y)N/A

ROICexgc(3y)N/A

ROICexgc(5y)N/A

ROCE(3y)N/A

ROCE(5y)N/A

ROICexcg growth 3YN/A

ROICexcg growth 5YN/A

ROICexc growth 3YN/A

ROICexc growth 5YN/A

OM growth 3YN/A

OM growth 5YN/A

PM growth 3Y-5.9%

PM growth 5Y-2.27%

GM growth 3YN/A

GM growth 5YN/A

F-Score4

Asset Turnover0.03

Health

		Industry Rank	Sector Rank
Debt/Equity	2.44
Debt/FCF	N/A
Debt/EBITDA	N/A
Cap/Depr	34.39%
Cap/Sales	2.55%
Interest Coverage	N/A
Cash Conversion	N/A
Profit Quality	N/A
Current Ratio	N/A
Quick Ratio	N/A
Altman-Z	N/A

F-Score4

WACC11.72%

ROIC/WACCN/A

Cap/Depr(3y)37.47%

Cap/Depr(5y)38.87%

Cap/Sales(3y)2.56%

Cap/Sales(5y)2.54%

Profit Quality(3y)N/A

Profit Quality(5y)N/A

High Growth Momentum

Growth

EPS 1Y (TTM)19.63%

EPS 3Y4.3%

EPS 5Y7.67%

EPS Q2Q%-26.04%

EPS Next Y6.96%

EPS Next 2Y6.67%

EPS Next 3Y6.23%

EPS Next 5YN/A

Revenue 1Y (TTM)2.64%

Revenue growth 3Y11.69%

Revenue growth 5Y11.94%

Sales Q2Q%7.11%

Revenue Next Year3.47%

Revenue Next 2Y2.78%

Revenue Next 3Y2.67%

Revenue Next 5YN/A

EBIT growth 1YN/A

EBIT growth 3YN/A

EBIT growth 5YN/A

EBIT Next Year-11.27%

EBIT Next 3Y0.23%

EBIT Next 5YN/A

FCF growth 1Y-173.81%

FCF growth 3YN/A

FCF growth 5YN/A

OCF growth 1Y-166.71%

OCF growth 3YN/A

OCF growth 5YN/A

WOORI FINANCIAL-SPON ADR (WF) Stock Fundamental Analysis

1. Profitability

1.1 Basic Checks

1.2 Ratios

1.3 Margins

More info and screens

2. Health

2.1 Basic Checks

2.2 Solvency

2.3 Liquidity

More info and screens

3. Growth

3.1 Past

3.2 Future

3.3 Evolution

More info and screens

4. Valuation

4.1 Price/Earnings Ratio

4.2 Price Multiples

4.3 Compensation for Growth

More info and screens

5. Dividend

5.1 Amount

5.2 History

5.3 Sustainability

More info and screens