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

NYSE:WF • US9810641087

Current stock price

65.73 USD
+0.48 (+0.74%)
At close:
65.73 USD
0 (0%)
After Hours:

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.
  • WF had a positive operating cash flow in the past year.
  • WF had positive earnings in each of the past 5 years.
  • The reported operating cash flow has been mixed in the past 5 years: WF reported negative operating cash flow in multiple 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's Return On Assets of 0.49% is on the low side compared to the rest of the industry. WF is outperformed by 81.32% of its industry peers.
  • WF has a Return On Equity of 8.26%. This is in the lower half of the industry: WF underperforms 60.26% 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

  • WF has a Profit Margin of 15.73%. This is in the lower half of the industry: WF underperforms 78.95% of its industry peers.
  • In the last couple of years the Profit Margin of WF has grown nicely.
  • The Operating Margin and Gross Margin are not available for WF so they could not be analyzed.
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.
  • WF has less shares outstanding than it did 1 year ago.
  • WF has more shares outstanding than it did 5 years ago.
  • The debt/assets ratio for WF has been reduced compared to a year ago.
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.
  • Looking at the Debt to FCF ratio, with a value of 7.16, WF is doing worse than 75.00% of the companies in the same industry.
  • WF has a Debt/Equity ratio of 2.61. This is a high value indicating a heavy dependency on external financing.
  • WF has a Debt to Equity ratio of 2.61. This is amonst the worse of the industry: WF underperforms 91.05% 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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5

3. WF Growth Analysis

3.1 Past

  • WF shows a strong growth in Earnings Per Share. In the last year, the EPS has been growing by 22.29%, which is quite impressive.
  • Measured over the past 5 years, WF shows a small growth in Earnings Per Share. The EPS has been growing by 7.67% on average per year.
  • Looking at the last year, WF shows a quite strong growth in Revenue. The Revenue has grown by 16.16% in the last year.
  • 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)22.29%
EPS 3Y4.3%
EPS 5Y7.67%
EPS Q2Q%-23.93%
Revenue 1Y (TTM)16.16%
Revenue growth 3Y11.69%
Revenue growth 5Y11.94%
Sales Q2Q%17.11%

3.2 Future

  • Based on estimates for the next years, WF will show a quite strong growth in Earnings Per Share. The EPS will grow by 8.47% on average per year.
  • The Revenue is expected to grow by 5.56% on average over the next years.
EPS Next Y12.31%
EPS Next 2Y7.63%
EPS Next 3Y7.44%
EPS Next 5Y8.47%
Revenue Next Year4.75%
Revenue Next 2Y5.83%
Revenue Next 3Y5.21%
Revenue Next 5Y5.56%

3.3 Evolution

  • The EPS growth rate is stable: in the next years the growth will be about the same than in the last years.
  • 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.
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

  • A Price/Earnings ratio of 8.35 indicates a reasonable valuation of WF.
  • WF's Price/Earnings ratio is rather cheap when compared to the industry. WF is cheaper than 90.26% of the companies in the same industry.
  • Compared to an average S&P500 Price/Earnings ratio of 24.89, WF is valued rather cheaply.
  • The Price/Forward Earnings ratio is 7.21, which indicates a rather cheap valuation of WF.
  • WF's Price/Forward Earnings ratio is rather cheap when compared to the industry. WF is cheaper than 92.89% of the companies 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 22.19.
Industry RankSector Rank
PE 8.35
Fwd PE 7.21
WF Price Earnings VS Forward Price EarningsWF Price Earnings VS Forward Price Earnings ChartPrice Earnings - Forward Price Earnings PE FPE 5 10 15 20

4.2 Price Multiples

  • WF's Price/Free Cash Flow ratio is rather cheap when compared to the industry. WF is cheaper than 98.68% of the companies in the same industry.
Industry RankSector Rank
P/FCF 1.84
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)0.68
PEG (5Y)1.09
EPS Next 2Y7.63%
EPS Next 3Y7.44%

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

7

5. WF Dividend Analysis

5.1 Amount

  • WF has a Yearly Dividend Yield of 4.05%, which is a nice return.
  • WF's Dividend Yield is a higher than the industry average which is at 2.66.
  • Compared to an average S&P500 Dividend Yield of 1.89, WF pays a better dividend.
Industry RankSector Rank
Dividend Yield 4.05%

5.2 History

  • On average, the dividend of WF grows each year by 12.49%, 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)12.49%
Div Incr Years1
Div Non Decr Years1
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

  • WF pays out 31.18% 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.
DP31.18%
EPS Next 2Y7.63%
EPS Next 3Y7.44%
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 (3/27/2026, 8:04:00 PM)

After market: 65.73 0 (0%)

65.73

+0.48 (+0.74%)

Chartmill FA Rating
GICS SectorFinancials
GICS IndustryGroupBanks
GICS IndustryBanks
Earnings (Last)02-04
Earnings (Next)04-23
Inst Owners34.74%
Inst Owner Change6.92%
Ins Owners0%
Ins Owner ChangeN/A
Market Cap16.02B
Revenue(TTM)18.91T
Net Income(TTM)2.97T
Analysts82.14
Price Target75.87 (15.43%)
Short Float %0.02%
Short Ratio0.53
Dividend
Industry RankSector Rank
Dividend Yield 4.05%
Yearly Dividend2.5
Dividend Growth(5Y)12.49%
DP31.18%
Div Incr Years1
Div Non Decr Years1
Ex-DateN/A
Surprises & Revisions
EPS beat(2)N/A
Avg EPS beat(2)N/A
Min EPS beat(2)N/A
Max EPS beat(2)N/A
EPS beat(4)N/A
Avg EPS beat(4)N/A
Min EPS beat(4)N/A
Max EPS beat(4)N/A
EPS beat(8)N/A
Avg EPS beat(8)N/A
EPS beat(12)N/A
Avg EPS beat(12)N/A
EPS beat(16)N/A
Avg EPS beat(16)N/A
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)15.52%
PT rev (3m)24.03%
EPS NQ rev (1m)12.16%
EPS NQ rev (3m)80.16%
EPS NY rev (1m)0.94%
EPS NY rev (3m)1.18%
Revenue NQ rev (1m)-0.67%
Revenue NQ rev (3m)-2.04%
Revenue NY rev (1m)2.48%
Revenue NY rev (3m)2.48%
Valuation
Industry RankSector Rank
PE 8.35
Fwd PE 7.21
P/S 1.28
P/FCF 1.84
P/OCF 1.77
P/B 0.67
P/tB 0.69
EV/EBITDA N/A
EPS(TTM)7.87
EY11.97%
EPS(NY)9.11
Fwd EY13.86%
FCF(TTM)35.79
FCFY54.45%
OCF(TTM)37.17
OCFY56.55%
SpS51.53
BVpS98.13
TBVpS95.25
PEG (NY)0.68
PEG (5Y)1.09
Graham Number131.82
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)22.29%
EPS 3Y4.3%
EPS 5Y7.67%
EPS Q2Q%-23.93%
EPS Next Y12.31%
EPS Next 2Y7.63%
EPS Next 3Y7.44%
EPS Next 5Y8.47%
Revenue 1Y (TTM)16.16%
Revenue growth 3Y11.69%
Revenue growth 5Y11.94%
Sales Q2Q%17.11%
Revenue Next Year4.75%
Revenue Next 2Y5.83%
Revenue Next 3Y5.21%
Revenue Next 5Y5.56%
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.


What is the profitability of WF stock?

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


Can you provide the financial health for WF stock?

The financial health rating of WOORI FINANCIAL-SPON ADR (WF) is 1 / 10.


Is the dividend of WOORI FINANCIAL-SPON ADR sustainable?

The dividend rating of WOORI FINANCIAL-SPON ADR (WF) is 7 / 10 and the dividend payout ratio is 31.18%.