WOORI FINANCIAL-SPON ADR (WF) Fundamental Analysis & Valuation

NYSE:WF • US9810641087

Current stock price

68.07 USD
+0.25 (+0.37%)
At close:
69.6 USD
+1.53 (+2.25%)
Pre-Market:

This WF fundamental analysis includes valuation metrics, fair value assessment, financial health analysis, profitability trends, growth metrics and dividend sustainability analysis.

2

1. WF Profitability Analysis

1.1 Basic Checks

  • In the past year WF was profitable.
  • In the past year WF had a positive cash flow from operations.
  • Each year in the past 5 years WF has been profitable.
  • In multiple years WF reported negative operating cash flow during the last 5 years.
WF Yearly Net Income VS EBIT VS OCF VS FCFWF Yearly Net Income VS EBIT VS OCF VS FCFYearly Net Income VS EBIT VS OCF VS FCF 2016 2017 2018 2019 2020 2021 2022 2023 2024 2025 0 5T -5T 10T 15T

1.2 Ratios

  • WF has a Return On Assets of 0.49%. This is amonst the worse of the industry: WF underperforms 83.78% of its industry peers.
  • WF's Return On Equity of 8.26% is on the low side compared to the rest of the industry. WF is outperformed by 62.23% of its industry peers.
Industry RankSector Rank
ROA 0.49%
ROE 8.26%
ROIC N/A
ROA(3y)0.51%
ROA(5y)0.55%
ROE(3y)8.11%
ROE(5y)8.94%
ROIC(3y)N/A
ROIC(5y)N/A
WF Yearly ROA, ROE, ROICWF Yearly ROA, ROE, ROICYearly ROA, ROE, ROIC 2016 2017 2018 2019 2020 2021 2022 2023 2024 2025 2 4 6 8 10

1.3 Margins

  • With a Profit Margin value of 15.73%, WF is not doing good in the industry: 81.91% of the companies in the same industry are doing better.
  • In the last couple of years the Profit Margin of WF has grown nicely.
  • WF does not have Operating Margin and Gross Margin available, so we won't be analyzing them here.
Industry RankSector Rank
OM N/A
PM (TTM) 15.73%
GM N/A
OM growth 3YN/A
OM growth 5YN/A
PM growth 3Y-8.86%
PM growth 5Y4.04%
GM growth 3YN/A
GM growth 5YN/A
WF Yearly Profit, Operating, Gross MarginsWF Yearly Profit, Operating, Gross MarginsYearly Profit, Operating, Gross Margins 2016 2017 2018 2019 2020 2021 2022 2023 2024 2025 5 10 15 20

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1

2. WF Health Analysis

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
  • Compared to 1 year ago, WF has an improved debt to assets ratio.
WF Yearly Shares OutstandingWF Yearly Shares OutstandingYearly Shares Outstanding 2016 2017 2018 2019 2020 2021 2022 2023 2024 2025 50M 100M 150M 200M
WF Yearly Total Debt VS Total AssetsWF Yearly Total Debt VS Total AssetsYearly Total Debt VS Total Assets 2016 2017 2018 2019 2020 2021 2022 2023 2024 2025 200T 400T 600T

2.2 Solvency

  • WF has a debt to FCF ratio of 7.16. This is a slightly negative value and a sign of low solvency as WF would need 7.16 years to pay back of all of its debts.
  • WF has a worse Debt to FCF ratio (7.16) than 77.93% of its industry peers.
  • A Debt/Equity ratio of 2.61 is on the high side and indicates that WF has dependencies on debt financing.
  • WF's Debt to Equity ratio of 2.61 is on the low side compared to the rest of the industry. WF is outperformed by 91.49% of its industry peers.
Industry RankSector Rank
Debt/Equity 2.61
Debt/FCF 7.16
Altman-Z N/A
ROIC/WACCN/A
WACC10.81%
WF Yearly LT Debt VS Equity VS FCFWF Yearly LT Debt VS Equity VS FCFYearly LT Debt VS Equity VS FCF 2016 2017 2018 2019 2020 2021 2022 2023 2024 2025 0 20T 40T 60T 80T

2.3 Liquidity

Industry RankSector Rank
Current Ratio N/A
Quick Ratio N/A
WF Yearly Current Assets VS Current LiabilitesWF Yearly Current Assets VS Current LiabilitesYearly Current Assets VS Current Liabilites 2016 2017 2018 2019 2020 2021 2022 2023 2024 2025 10T 20T 30T

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WACCDebt/EquityHow to determine the health of a companyAltman-Z scoreShow peers with great health

5

3. WF Growth Analysis

3.1 Past

  • WF shows a small growth in Earnings Per Share. In the last year, the EPS has grown by 2.76%.
  • The Earnings Per Share has been growing by 18.43% on average over the past years. This is quite good.
  • WF shows quite a strong growth in Revenue. In the last year, the Revenue has grown by 16.16%.
  • Measured over the past years, WF shows a quite strong growth in Revenue. The Revenue has been growing by 14.16% on average per year.
EPS 1Y (TTM)2.76%
EPS 3Y-1.06%
EPS 5Y18.43%
EPS Q2Q%-23.57%
Revenue 1Y (TTM)16.16%
Revenue growth 3Y8.81%
Revenue growth 5Y14.16%
Sales Q2Q%17.11%

3.2 Future

  • The Earnings Per Share is expected to grow by 10.69% on average over the next years. This is quite good.
  • Based on estimates for the next years, WF will show a small growth in Revenue. The Revenue will grow by 5.74% on average per year.
EPS Next Y12.62%
EPS Next 2Y10.36%
EPS Next 3Y10.69%
EPS Next 5YN/A
Revenue Next Year7.99%
Revenue Next 2Y6.14%
Revenue Next 3Y5.74%
Revenue Next 5YN/A

3.3 Evolution

  • The estimated forward EPS growth is still strong, although it is decreasing when compared to the stronger growth in the past years.
  • The Revenue growth rate is decreasing: in the next years the growth will be less than in the last years.
WF Yearly Revenue VS EstimatesWF Yearly Revenue VS EstimatesYearly Revenue VS Estimates 2015 2016 2017 2018 2019 2020 2021 2022 2023 2024 2025 2026 2027 2028 5T 10T 15T
WF Yearly EPS VS EstimatesWF Yearly EPS VS EstimatesYearly EPS VS Estimates 2015 2016 2017 2018 2019 2020 2021 2022 2023 2024 2025 2026 2027 2028 5K 10K 15K

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7

4. WF Valuation Analysis

4.1 Price/Earnings Ratio

  • The Price/Earnings ratio is 8.26, which indicates a very decent valuation of WF.
  • WF's Price/Earnings ratio is rather cheap when compared to the industry. WF is cheaper than 91.49% of the companies in the same industry.
  • WF is valuated cheaply when we compare the Price/Earnings ratio to 26.54, which is the current average of the S&P500 Index.
  • Based on the Price/Forward Earnings ratio of 7.34, the valuation of WF can be described as very cheap.
  • Compared to the rest of the industry, the Price/Forward Earnings ratio of WF indicates a rather cheap valuation: WF is cheaper than 91.22% 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 21.68.
Industry RankSector Rank
PE 8.26
Fwd PE 7.34
WF Price Earnings VS Forward Price EarningsWF Price Earnings VS Forward Price Earnings ChartPrice Earnings - Forward Price Earnings PE FPE 5 10 15 20 25

4.2 Price Multiples

  • Based on the Price/Free Cash Flow ratio, WF is valued cheaper than 98.67% of the companies in the same industry.
Industry RankSector Rank
P/FCF 1.87
EV/EBITDA N/A
WF Per share dataWF EPS, Sales, OCF, FCF, BookValue per sharePer Share Data Per Share 20 40 60 80

4.3 Compensation for Growth

  • The low PEG Ratio(NY), which compensates the Price/Earnings for growth, indicates a rather cheap valuation of the company.
PEG (NY)0.65
PEG (5Y)0.45
EPS Next 2Y10.36%
EPS Next 3Y10.69%

More info and screens

Price/EarningsPrice/FCFFCF per shareEV/EBITDAPEG RATIOShow best valued peers

7

5. WF Dividend Analysis

5.1 Amount

  • With a Yearly Dividend Yield of 4.06%, WF is a good candidate for dividend investing.
  • WF's Dividend Yield is rather good when compared to the industry average which is at 2.55. WF pays more dividend than 88.56% of the companies in the same industry.
  • WF's Dividend Yield is rather good when compared to the S&P500 average which is at 1.82.
Industry RankSector Rank
Dividend Yield 4.06%

5.2 History

  • The dividend of WF is nicely growing with an annual growth rate of 12.49%!
  • WF has paid a dividend for at least 10 years, which is a reliable track record.
Dividend Growth(5Y)12.49%
Div Incr Years0
Div Non Decr Years0
WF Yearly Dividends per shareWF Yearly Dividends per shareYearly Dividends per share 2016 2017 2018 2019 2020 2021 2022 2023 2024 2025 50 100 150

5.3 Sustainability

  • 31.18% of the earnings are spent on dividend by WF. This is a low number and sustainable payout ratio.
  • WF's earnings are growing slower than its dividend. This means the dividend growth is not sustainable.
DP31.18%
EPS Next 2Y10.36%
EPS Next 3Y10.69%
WF Yearly Income VS Free CF VS DividendWF Yearly Income VS Free CF VS DividendYearly Income VS Free CF VS Dividend 2016 2017 2018 2019 2020 2021 2022 2023 2024 2025 0 5T -5T 10T 15T
WF Dividend Payout.WF Dividend Payout, showing the Payout Ratio.WF Dividend Payout.PayoutRetained Earnings

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WF Fundamentals: All Metrics, Ratios and Statistics

WOORI FINANCIAL-SPON ADR

NYSE:WF (4/29/2026, 8:04:00 PM)

Premarket: 69.6 +1.53 (+2.25%)

68.07

+0.25 (+0.37%)

Chartmill FA Rating
GICS SectorFinancials
GICS IndustryGroupBanks
GICS IndustryBanks
Industry StrengthN/A
Industry GrowthN/A
Earnings (Last)04-24
Earnings (Next)07-23
Inst Owners35.91%
Inst Owner Change0.12%
Ins Owners0%
Ins Owner ChangeN/A
Market Cap16.59B
Revenue(TTM)18.91T
Net Income(TTM)2.97T
Analysts82.86
Price Target80.72 (18.58%)
Short Float %0.06%
Short Ratio1.06
Dividend
Industry RankSector Rank
Dividend Yield 4.06%
Yearly Dividend2.56
Dividend Growth(5Y)12.49%
DP31.18%
Div Incr Years0
Div Non Decr Years0
Ex-DateN/A
Surprises & Revisions
EPS beat(2)1
Avg EPS beat(2)-10.69%
Min EPS beat(2)-55.45%
Max EPS beat(2)34.06%
EPS beat(4)1
Avg EPS beat(4)-14.4%
Min EPS beat(4)-55.45%
Max EPS beat(4)34.06%
EPS beat(8)2
Avg EPS beat(8)-7.68%
EPS beat(12)3
Avg EPS beat(12)-15.11%
EPS beat(16)5
Avg EPS beat(16)-11.63%
Revenue beat(2)2
Avg Revenue beat(2)18.08%
Min Revenue beat(2)14.67%
Max Revenue beat(2)21.49%
Revenue beat(4)4
Avg Revenue beat(4)13.27%
Min Revenue beat(4)2.16%
Max Revenue beat(4)21.49%
Revenue beat(8)8
Avg Revenue beat(8)12.29%
Revenue beat(12)11
Avg Revenue beat(12)11.98%
Revenue beat(16)15
Avg Revenue beat(16)22.55%
PT rev (1m)7%
PT rev (3m)32.86%
EPS NQ rev (1m)0.43%
EPS NQ rev (3m)80.93%
EPS NY rev (1m)-0.1%
EPS NY rev (3m)1.26%
Revenue NQ rev (1m)-0.49%
Revenue NQ rev (3m)-1.73%
Revenue NY rev (1m)1.01%
Revenue NY rev (3m)3.51%
Valuation
Industry RankSector Rank
PE 8.26
Fwd PE 7.34
P/S 1.3
P/FCF 1.87
P/OCF 1.8
P/B 0.68
P/tB 0.7
EV/EBITDA N/A
EPS(TTM)8.24
EY12.11%
EPS(NY)9.28
Fwd EY13.63%
FCF(TTM)36.46
FCFY53.57%
OCF(TTM)37.87
OCFY55.63%
SpS52.5
BVpS99.98
TBVpS97.05
PEG (NY)0.65
PEG (5Y)0.45
Graham Number136.147 (100.01%)
Profitability
Industry RankSector Rank
ROA 0.49%
ROE 8.26%
ROCE N/A
ROIC N/A
ROICexc N/A
ROICexgc N/A
OM N/A
PM (TTM) 15.73%
GM N/A
FCFM 69.45%
ROA(3y)0.51%
ROA(5y)0.55%
ROE(3y)8.11%
ROE(5y)8.94%
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
ROICexgc growth 3YN/A
ROICexgc growth 5YN/A
ROICexc growth 3YN/A
ROICexc growth 5YN/A
OM growth 3YN/A
OM growth 5YN/A
PM growth 3Y-8.86%
PM growth 5Y4.04%
GM growth 3YN/A
GM growth 5YN/A
F-Score6
Asset Turnover0.03
Health
Industry RankSector Rank
Debt/Equity 2.61
Debt/FCF 7.16
Debt/EBITDA N/A
Cap/Depr 40.49%
Cap/Sales 2.68%
Interest Coverage N/A
Cash Conversion N/A
Profit Quality 441.65%
Current Ratio N/A
Quick Ratio N/A
Altman-Z N/A
F-Score6
WACC10.81%
ROIC/WACCN/A
Cap/Depr(3y)38.49%
Cap/Depr(5y)37.1%
Cap/Sales(3y)2.67%
Cap/Sales(5y)2.54%
Profit Quality(3y)N/A
Profit Quality(5y)N/A
High Growth Momentum
Growth
EPS 1Y (TTM)2.76%
EPS 3Y-1.06%
EPS 5Y18.43%
EPS Q2Q%-23.57%
EPS Next Y12.62%
EPS Next 2Y10.36%
EPS Next 3Y10.69%
EPS Next 5YN/A
Revenue 1Y (TTM)16.16%
Revenue growth 3Y8.81%
Revenue growth 5Y14.16%
Sales Q2Q%17.11%
Revenue Next Year7.99%
Revenue Next 2Y6.14%
Revenue Next 3Y5.74%
Revenue Next 5YN/A
EBIT growth 1YN/A
EBIT growth 3YN/A
EBIT growth 5YN/A
EBIT Next Year9.6%
EBIT Next 3Y8.6%
EBIT Next 5YN/A
FCF growth 1Y300.82%
FCF growth 3Y-10.42%
FCF growth 5Y31.49%
OCF growth 1Y322.58%
OCF growth 3Y-9.86%
OCF growth 5Y30.49%

WOORI FINANCIAL-SPON ADR / WF Fundamental Analysis FAQ

What is the ChartMill fundamental rating of WOORI FINANCIAL-SPON ADR (WF) stock?

ChartMill assigns a fundamental rating of 3 / 10 to WF.


What is the valuation status for WF stock?

ChartMill assigns a valuation rating of 7 / 10 to WOORI FINANCIAL-SPON ADR (WF). This can be considered as Undervalued.


How profitable is WOORI FINANCIAL-SPON ADR (WF) stock?

WOORI FINANCIAL-SPON ADR (WF) has a profitability rating of 2 / 10.


Can you provide the PE and PB ratios for WF stock?

The Price/Earnings (PE) ratio for WOORI FINANCIAL-SPON ADR (WF) is 8.26 and the Price/Book (PB) ratio is 0.68.


Can you provide the expected EPS growth for WF stock?

The Earnings per Share (EPS) of WOORI FINANCIAL-SPON ADR (WF) is expected to grow by 12.62% in the next year.