WOORI FINANCIAL-SPON ADR (WF) Stock Fundamental Analysis
USA - NYSE:WF - US9810641087 - ADR
55.04 USD
-0.95 (-1.7%)
55.04 USD
0 (0%)
WF gets a fundamental rating of 3 out of 10. The analysis compared the fundamentals against 388 industry peers in the Banks industry. WF has a bad profitability rating. Also its financial health evaluation is rather negative. WF is not valued too expensively and it also shows a decent growth rate. Finally WF also has an excellent dividend rating.
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.
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
Looking at the Return On Assets, with a value of 0.51%, WF is doing worse than 76.03% of the companies in the same industry.
The Return On Equity of WF (7.97%) is comparable to the rest of the 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: 72.94% of the companies in the same industry are doing better.
In the last couple of years the Profit Margin of WF has declined.
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) | 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
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
WF has more shares outstanding than it did 5 years ago.
The debt/assets ratio for WF is higher compared to a year ago.
2.2 Solvency
WF has a Debt/Equity ratio of 2.50. This is a high value indicating a heavy dependency on external financing.
The Debt to Equity ratio of WF (2.50) is worse than 90.72% of its industry peers.
| 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 |
3. Growth
3.1 Past
The Earnings Per Share has been growing slightly by 6.64% 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 3.66%.
WF shows quite a strong growth in Revenue. Measured over the last years, the Revenue has been growing by 11.94% yearly.
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%-10.81%
3.2 Future
Based on estimates for the next years, WF will show a small growth in Earnings Per Share. The EPS will grow by 7.44% on average per year.
WF is expected to show a small growth in Revenue. In the coming years, the Revenue will grow by 3.84% yearly.
EPS Next Y11.56%
EPS Next 2Y7.82%
EPS Next 3Y7.44%
EPS Next 5YN/A
Revenue Next Year4.72%
Revenue Next 2Y4.42%
Revenue Next 3Y3.84%
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.
4. Valuation
4.1 Price/Earnings Ratio
The Price/Earnings ratio is 7.28, which indicates a rather cheap valuation of WF.
Based on the Price/Earnings ratio, WF is valued cheaply inside the industry as 94.59% of the companies are valued more expensively.
When comparing the Price/Earnings ratio of WF to the average of the S&P500 Index (25.91), we can say WF is valued rather cheaply.
WF is valuated cheaply with a Price/Forward Earnings ratio of 5.86.
Compared to the rest of the industry, the Price/Forward Earnings ratio of WF indicates a rather cheap valuation: WF is cheaper than 95.62% 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 34.57.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| PE | 7.28 | ||
| Fwd PE | 5.86 |
4.2 Price Multiples
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| P/FCF | N/A | ||
| 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)0.63
PEG (5Y)0.95
EPS Next 2Y7.82%
EPS Next 3Y7.44%
5. Dividend
5.1 Amount
WF has a Yearly Dividend Yield of 4.74%, which is a nice return.
WF's Dividend Yield is rather good when compared to the industry average which is at 3.38. WF pays more dividend than 86.86% of the companies in the same industry.
WF's Dividend Yield is rather good when compared to the S&P500 average which is at 2.36.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Dividend Yield | 4.74% |
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
33.09% 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.
DP33.09%
EPS Next 2Y7.82%
EPS Next 3Y7.44%
55.04
-0.95 (-1.7%)
Chartmill FA Rating
GICS SectorFinancials
GICS IndustryGroupBanks
GICS IndustryBanks
Earnings (Last)
Earnings (Next)
Inst Owners31.62%
Inst Owner Change-4.7%
Ins Owners0%
Ins Owner ChangeN/A
Market Cap13.47B
Revenue(TTM)16.63T
Net Income(TTM)2.72T
Analysts82.22
Price Target58.3 (5.92%)
Short Float %0.05%
Short Ratio2.61
Dividend
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Dividend Yield | 4.74% |
Yearly Dividend2.43
Dividend Growth(5Y)13.48%
DP33.09%
Div Incr Years1
Div Non Decr Years1
Ex-Date
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)8.46%
Min Revenue beat(2)2.16%
Max Revenue beat(2)14.77%
Revenue beat(4)4
Avg Revenue beat(4)7.7%
Min Revenue beat(4)1.92%
Max Revenue beat(4)14.77%
Revenue beat(8)7
Avg Revenue beat(8)7.42%
Revenue beat(12)11
Avg Revenue beat(12)18.92%
Revenue beat(16)15
Avg Revenue beat(16)25.34%
PT rev (1m)-1.77%
PT rev (3m)1.57%
EPS NQ rev (1m)-0.61%
EPS NQ rev (3m)1%
EPS NY rev (1m)5.28%
EPS NY rev (3m)3.6%
Revenue NQ rev (1m)0%
Revenue NQ rev (3m)1.83%
Revenue NY rev (1m)-0.01%
Revenue NY rev (3m)0.42%
Valuation
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| PE | 7.28 | ||
| Fwd PE | 5.86 | ||
| P/S | 1.19 | ||
| P/FCF | N/A | ||
| P/OCF | N/A | ||
| P/B | 0.58 | ||
| P/tB | 0.6 | ||
| EV/EBITDA | N/A |
EPS(TTM)7.56
EY13.74%
EPS(NY)9.4
Fwd EY17.07%
FCF(TTM)-11.36
FCFYN/A
OCF(TTM)-10.23
OCFYN/A
SpS46.38
BVpS95.29
TBVpS92.31
PEG (NY)0.63
PEG (5Y)0.95
Graham Number127.31
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
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-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 Y11.56%
EPS Next 2Y7.82%
EPS Next 3Y7.44%
EPS Next 5YN/A
Revenue 1Y (TTM)3.66%
Revenue growth 3Y11.69%
Revenue growth 5Y11.94%
Sales Q2Q%-10.81%
Revenue Next Year4.72%
Revenue Next 2Y4.42%
Revenue Next 3Y3.84%
Revenue Next 5YN/A
EBIT growth 1YN/A
EBIT growth 3YN/A
EBIT growth 5YN/A
EBIT Next Year-6.02%
EBIT Next 3Y0.76%
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 FAQ
What is the ChartMill fundamental rating of WOORI FINANCIAL-SPON ADR (WF) stock?
ChartMill assigns a fundamental rating of 3 / 10 to WF.
Can you provide the valuation status for WOORI FINANCIAL-SPON ADR?
ChartMill assigns a valuation rating of 6 / 10 to WOORI FINANCIAL-SPON ADR (WF). This can be considered as Fairly Valued.
What is the profitability of WF stock?
WOORI FINANCIAL-SPON ADR (WF) has a profitability rating of 2 / 10.
What is the expected EPS growth for WOORI FINANCIAL-SPON ADR (WF) stock?
The Earnings per Share (EPS) of WOORI FINANCIAL-SPON ADR (WF) is expected to grow by 11.56% in the next year.
How sustainable is the dividend of WOORI FINANCIAL-SPON ADR (WF) stock?
The dividend rating of WOORI FINANCIAL-SPON ADR (WF) is 7 / 10 and the dividend payout ratio is 33.09%.