Taking everything into account, WF scores 3 out of 10 in our fundamental rating. WF was compared to 383 industry peers in the Banks industry. WF has a bad profitability rating. Also its financial health evaluation is rather negative. WF is valued quite cheap, while showing a decent growth score. This is a good combination! Finally WF also has an excellent dividend rating.

Quickly go to:

1. Profitability

2. Health

3. Growth

4. Valuation

5. Dividend

1. Profitability

1.1 Basic Checks

WF had positive earnings in the past year.
In the past year WF had a positive cash flow from operations.
In the past 5 years WF has always been profitable.
The reported operating cash flow has been mixed in the past 5 years: WF reported negative operating cash flow in multiple years.

1.2 Ratios

WF has a Return On Assets of 0.52%. This is in the lower half of the industry: WF underperforms 75.72% of its industry peers.
WF has a Return On Equity (8.68%) which is comparable to the rest of the industry.

		Industry Rank	Sector Rank
ROA	0.52%
ROE	8.68%
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

Looking at the Profit Margin, with a value of 17.16%, WF is doing worse than 72.58% of the companies in the same industry.
WF's Profit Margin has declined in the last couple of years.
WF does not have Operating Margin and Gross Margin available, so we won't be analyzing them here.

		Industry Rank	Sector Rank
OM	N/A
PM (TTM)	17.16%
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 to FCF ratio of 25.84. This is a negative value and a sign of low solvency as WF would need 25.84 years to pay back of all of its debts.
With a Debt to FCF ratio value of 25.84, WF is not doing good in the industry: 82.77% of the companies in the same industry are doing better.
A Debt/Equity ratio of 2.43 is on the high side and indicates that WF has dependencies on debt financing.
The Debt to Equity ratio of WF (2.43) is worse than 89.56% of its industry peers.

		Industry Rank	Sector Rank
Debt/Equity	2.43
Debt/FCF	25.84
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

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Altman-Z score

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3. Growth

3.1 Past

WF shows a strong growth in Earnings Per Share. In the last year, the EPS has been growing by 21.25%, 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.
The Revenue has grown by 9.33% in the past year. This is quite good.
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)21.25%

EPS 3Y4.3%

EPS 5Y7.67%

EPS Q2Q%42.08%

Revenue 1Y (TTM)9.33%

Revenue growth 3Y11.69%

Revenue growth 5Y11.94%

Sales Q2Q%17.53%

3.2 Future

The Earnings Per Share is expected to grow by 6.99% on average over the next years.
WF is expected to show a small growth in Revenue. In the coming years, the Revenue will grow by 4.05% yearly.

EPS Next Y12.78%

EPS Next 2Y7.13%

EPS Next 3Y6.99%

EPS Next 5YN/A

Revenue Next Year4.7%

Revenue Next 2Y4.54%

Revenue Next 3Y4.05%

Revenue Next 5YN/A

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.
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

WF is valuated cheaply with a Price/Earnings ratio of 7.11.
Based on the Price/Earnings ratio, WF is valued cheaply inside the industry as 94.78% of the companies are valued more expensively.
The average S&P500 Price/Earnings ratio is at 28.30. WF is valued rather cheaply when compared to this.
Based on the Price/Forward Earnings ratio of 6.56, 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 94.52% 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 25.57.

		Industry Rank	Sector Rank
PE	7.11
Fwd PE	6.56

4.2 Price Multiples

WF's Price/Free Cash Flow ratio is rather cheap when compared to the industry. WF is cheaper than 87.73% of the companies in the same industry.

		Industry Rank	Sector Rank
P/FCF	6.54
EV/EBITDA	N/A

4.3 Compensation for Growth

WF's low PEG Ratio(NY), which compensates the Price/Earnings for growth, indicates a rather cheap valuation of the company.

PEG (NY)0.56

PEG (5Y)0.93

EPS Next 2Y7.13%

EPS Next 3Y6.99%

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5. Dividend

5.1 Amount

WF has a Yearly Dividend Yield of 4.33%, which is a nice return.
Compared to an average industry Dividend Yield of 2.73, WF pays a better dividend. On top of this WF pays more dividend than 86.16% of the companies listed in the same industry.
Compared to an average S&P500 Dividend Yield of 1.83, WF pays a better dividend.

		Industry Rank	Sector Rank
Dividend Yield	4.33%

5.2 History

The dividend of WF is nicely growing with an annual growth rate of 13.48%!
WF has paid a dividend for at least 10 years, which is 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 29.78% of its income as dividend. This is a sustainable payout ratio.
The dividend of WF is growing, but the earnings are growing slower. This means the dividend growth is not sustainable.

DP29.78%

EPS Next 2Y7.13%

EPS Next 3Y6.99%

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WOORI FINANCIAL-SPON ADR / WF 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 8 / 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 0 / 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 29.78%.