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 392 industry peers in the Banks industry. WF may be in some trouble as it scores bad on both profitability and health. WF has a decent growth rate and is not valued too expensively. WF also has an excellent dividend rating.

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1. Profitability

1.1 Basic Checks

In the past year WF was profitable.

WF had a negative operating cash flow in the past year.

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.

1.2 Ratios

WF has a worse Return On Assets (0.51%) than 73.72% of its industry peers.

Looking at the Return On Equity, with a value of 7.97%, WF is in line with its industry, outperforming 46.68% of the companies in the same industry.

		Industry Rank	Sector Rank
ROA	0.51%
ROE	7.97%
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 16.37%, WF is not doing good in the industry: 71.43% 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)	16.37%
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.

Compared to 1 year ago, WF has less shares outstanding

The number of shares outstanding for WF has been increased compared to 5 years ago.

WF has a worse debt/assets ratio than last year.

2.2 Solvency

A Debt/Equity ratio of 2.50 is on the high side and indicates that WF has dependencies on debt financing.

Looking at the Debt to Equity ratio, with a value of 2.50, WF is doing worse than 90.05% of the companies in the same industry.

		Industry Rank	Sector Rank
Debt/Equity	2.5
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

WF shows a small growth in Earnings Per Share. In the last year, the EPS has grown by 6.64%.

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

Looking at the last year, WF shows a small growth in Revenue. The Revenue has grown by 3.66% in the last year.

The Revenue has been growing by 11.94% on average over the past years. This is quite good.

EPS 1Y (TTM)6.64%

EPS 3Y4.3%

EPS 5Y7.67%

EPS Q2Q%1.58%

Revenue 1Y (TTM)3.66%

Revenue growth 3Y11.69%

Revenue growth 5Y11.94%

Sales Q2Q%2.17%

3.2 Future

The Earnings Per Share is expected to grow by 6.84% on average over the next years.

Based on estimates for the next years, WF will show a small growth in Revenue. The Revenue will grow by 3.34% on average per year.

EPS Next Y6.1%

EPS Next 2Y6.87%

EPS Next 3Y6.84%

EPS Next 5YN/A

Revenue Next Year4.69%

Revenue Next 2Y3.48%

Revenue Next 3Y3.34%

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.

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

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4. Valuation

4.1 Price/Earnings Ratio

WF is valuated cheaply with a Price/Earnings ratio of 7.21.

WF's Price/Earnings ratio is rather cheap when compared to the industry. WF is cheaper than 95.66% of the companies in the same industry.

WF's Price/Earnings ratio indicates a rather cheap valuation when compared to the S&P500 average which is at 27.38.

WF is valuated cheaply with a Price/Forward Earnings ratio of 5.90.

Based on the Price/Forward Earnings ratio, WF is valued cheaper than 95.66% of the companies in the same industry.

When comparing the Price/Forward Earnings ratio of WF to the average of the S&P500 Index (22.86), we can say WF is valued rather cheaply.

		Industry Rank	Sector Rank
PE	7.21
Fwd PE	5.9

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)1.18

PEG (5Y)0.94

EPS Next 2Y6.87%

EPS Next 3Y6.84%

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5. Dividend

5.1 Amount

With a Yearly Dividend Yield of 4.64%, WF is a good candidate for dividend investing.

Compared to an average industry Dividend Yield of 3.73, WF pays a bit more dividend than its industry peers.

WF's Dividend Yield is rather good when compared to the S&P500 average which is at 2.38.

		Industry Rank	Sector Rank
Dividend Yield	4.64%

5.2 History

The dividend of WF is nicely growing with an annual growth rate of 13.48%!

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

33.09% of the earnings are spent on dividend by WF. This is a low number and sustainable payout ratio.

The dividend of WF is growing, but the earnings are growing slower. This means the dividend growth is not sustainable.

DP33.09%

EPS Next 2Y6.87%

EPS Next 3Y6.84%

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WOORI FINANCIAL-SPON ADR

NYSE:WF (9/19/2025, 8:04:00 PM)

After market: 57.57 0 (0%)

57.57

+0.79 (+1.39%)

Chartmill FA Rating

GICS SectorFinancials

GICS IndustryGroupBanks

GICS IndustryBanks

Earnings (Last)08-14 2025-08-14/dmh

Earnings (Next)10-24 2025-10-24

Inst Owners29.28%

Inst Owner Change8.51%

Ins Owners0%

Ins Owner ChangeN/A

Market Cap14.09B

Analysts82.96

Price Target58.54 (1.68%)

Short Float %0.05%

Short Ratio1.59

Dividend

		Industry Rank	Sector Rank
Dividend Yield	4.64%

Yearly Dividend2.54

Dividend Growth(5Y)13.48%

DP33.09%

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)-18.1%

Min EPS beat(2)-32.74%

Max EPS beat(2)-3.46%

EPS beat(4)0

Avg EPS beat(4)-12.14%

Min EPS beat(4)-32.74%

Max EPS beat(4)-2.48%

EPS beat(8)2

Avg EPS beat(8)-16.17%

EPS beat(12)2

Avg EPS beat(12)-15.15%

EPS beat(16)6

Avg EPS beat(16)-7.66%

Revenue beat(2)2

Avg Revenue beat(2)15.9%

Min Revenue beat(2)14.77%

Max Revenue beat(2)17.02%

Revenue beat(4)4

Avg Revenue beat(4)11.41%

Min Revenue beat(4)1.92%

Max Revenue beat(4)17.02%

Revenue beat(8)7

Avg Revenue beat(8)9.28%

Revenue beat(12)11

Avg Revenue beat(12)20.16%

Revenue beat(16)15

Avg Revenue beat(16)26.27%

PT rev (1m)-3.56%

PT rev (3m)32.85%

EPS NQ rev (1m)0.64%

EPS NQ rev (3m)2.25%

EPS NY rev (1m)-1.47%

EPS NY rev (3m)-1.26%

Revenue NQ rev (1m)1.82%

Revenue NQ rev (3m)6.83%

Revenue NY rev (1m)0.4%

Revenue NY rev (3m)1.18%

Valuation

		Industry Rank	Sector Rank
PE	7.21
Fwd PE	5.9
P/S	1.17
P/FCF	N/A
P/OCF	N/A
P/B	0.57
P/tB	0.59
EV/EBITDA	N/A

EPS(TTM)7.99

EY13.88%

EPS(NY)9.76

Fwd EY16.96%

FCF(TTM)-12.01

FCFYN/A

OCF(TTM)-10.82

OCFYN/A

SpS49.03

BVpS100.74

TBVpS97.6

PEG (NY)1.18

PEG (5Y)0.94

Profitability

		Industry Rank	Sector Rank
ROA	0.51%
ROE	7.97%
ROCE	N/A
ROIC	N/A
ROICexc	N/A
ROICexgc	N/A
OM	N/A
PM (TTM)	16.37%
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	2.5
Debt/FCF	N/A
Debt/EBITDA	N/A
Cap/Depr	33.22%
Cap/Sales	2.43%
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)6.64%

EPS 3Y4.3%

EPS 5Y7.67%

EPS Q2Q%1.58%

EPS Next Y6.1%

EPS Next 2Y6.87%

EPS Next 3Y6.84%

EPS Next 5YN/A

Revenue 1Y (TTM)3.66%

Revenue growth 3Y11.69%

Revenue growth 5Y11.94%

Sales Q2Q%2.17%

Revenue Next Year4.69%

Revenue Next 2Y3.48%

Revenue Next 3Y3.34%

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-132.42%

FCF growth 3YN/A

FCF growth 5YN/A

OCF growth 1Y-128.4%

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