WOORI FINANCIAL-SPON ADR(NYSE:WF) stock Fundamental Analysis

Fundamental Rating

WF gets a fundamental rating of 3 out of 10. The analysis compared the fundamentals against 398 industry peers in the Banks industry. WF has a bad profitability rating. Also its financial health evaluation is rather negative. WF has a correct valuation and a medium growth rate. Finally WF also has an excellent dividend rating.

Quickly go to:

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

With a Return On Assets value of 0.56%, WF is not doing good in the industry: 71.61% of the companies in the same industry are doing better.

WF's Return On Equity of 8.59% is in line compared to the rest of the industry. WF outperforms 52.51% of its industry peers.

		Industry Rank	Sector Rank
ROA	0.56%
ROE	8.59%
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

WF's Profit Margin of 17.98% is on the low side compared to the rest of the industry. WF is outperformed by 66.83% of its industry peers.

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)	17.98%
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

More info and screens

ROA

ROE

ROIC

Operating and Profit Margin

Show most profitable peers

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.

Compared to 1 year ago, WF has a worse debt to assets ratio.

2.2 Solvency

A Debt/Equity ratio of 2.43 is on the high side and indicates that WF has dependencies on debt financing.

With a Debt to Equity ratio value of 2.43, WF is not doing good in the industry: 91.96% of the companies in the same industry are doing better.

		Industry Rank	Sector Rank
Debt/Equity	2.43
Debt/FCF	N/A
Altman-Z	N/A

ROIC/WACCN/A

WACC12.09%

2.3 Liquidity

		Industry Rank	Sector Rank
Current Ratio	N/A
Quick Ratio	N/A

More info and screens

WACC

Debt/Equity

How to determine the health of a company

Altman-Z score

Show peers with great health

3. Growth

3.1 Past

The Earnings Per Share has grown by an impressive 22.29% over the past year.

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 small growth in Revenue. The Revenue has grown by 4.73% in the last year.

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)22.29%

EPS 3Y4.3%

EPS 5Y7.67%

EPS Q2Q%1923.08%

Revenue 1Y (TTM)4.73%

Revenue growth 3Y11.69%

Revenue growth 5Y11.94%

Sales Q2Q%18.54%

3.2 Future

The Earnings Per Share is expected to grow by 6.23% 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 2.59% on average per year.

EPS Next Y6.96%

EPS Next 2Y6.67%

EPS Next 3Y6.23%

EPS Next 5YN/A

Revenue Next Year2.99%

Revenue Next 2Y2.56%

Revenue Next 3Y2.59%

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.

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.

More info and screens

Find the best growth stocks

Show best growing peers

4. Valuation

4.1 Price/Earnings Ratio

With a Price/Earnings ratio of 4.38, the valuation of WF can be described as very cheap.

96.98% of the companies in the same industry are more expensive than WF, based on the Price/Earnings ratio.

WF is valuated cheaply when we compare the Price/Earnings ratio to 28.78, which is the current average of the S&P500 Index.

WF is valuated cheaply with a Price/Forward Earnings ratio of 4.10.

WF's Price/Forward Earnings ratio is rather cheap when compared to the industry. WF is cheaper than 96.73% of the companies in the same industry.

WF is valuated cheaply when we compare the Price/Forward Earnings ratio to 21.32, which is the current average of the S&P500 Index.

		Industry Rank	Sector Rank
PE	4.38
Fwd PE	4.1

4.2 Price Multiples

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

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)0.63

PEG (5Y)0.57

EPS Next 2Y6.67%

EPS Next 3Y6.23%

More info and screens

Show best valued peers

5. Dividend

5.1 Amount

With a Yearly Dividend Yield of 6.86%, WF is a good candidate for dividend investing.

Compared to an average industry Dividend Yield of 3.52, WF pays a better dividend. On top of this WF pays more dividend than 95.73% of the companies listed in the same industry.

Compared to an average S&P500 Dividend Yield of 2.46, WF pays a better dividend.

		Industry Rank	Sector Rank
Dividend Yield	6.86%

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.

WF has decreased its dividend recently.

Dividend Growth(5Y)13.48%

Div Incr Years1

Div Non Decr Years1

5.3 Sustainability

WF pays out 30.00% 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.

DP30%

EPS Next 2Y6.67%

EPS Next 3Y6.23%

More info and screens

Find the best dividend stocks

Show peers with best dividend

WOORI FINANCIAL-SPON ADR

NYSE:WF (4/25/2025, 8:04:00 PM)

After market: 35.86 0 (0%)

35.86

-0.75 (-2.05%)

Chartmill FA Rating

GICS SectorFinancials

GICS IndustryGroupBanks

GICS IndustryBanks

Earnings (Last)04-25 2025-04-25

Earnings (Next)07-25 2025-07-25

Inst Owners29.67%

Inst Owner Change-42.69%

Ins Owners0%

Ins Owner ChangeN/A

Market Cap8.88B

Analysts82.31

Price Target39.17 (9.23%)

Short Float %0.01%

Short Ratio0.34

Dividend

		Industry Rank	Sector Rank
Dividend Yield	6.86%

Yearly Dividend2.45

Dividend Growth(5Y)13.48%

DP30%

Div Incr Years1

Div Non Decr Years1

Ex-Date02-28 2025-02-28 (1.388752)

Surprises & Revisions

EPS beat(2)0

Avg EPS beat(2)-6.18%

Min EPS beat(2)-9.87%

Max EPS beat(2)-2.48%

EPS beat(4)1

Avg EPS beat(4)-0.97%

Min EPS beat(4)-9.87%

Max EPS beat(4)11.75%

EPS beat(8)2

Avg EPS beat(8)-15.46%

EPS beat(12)4

Avg EPS beat(12)-10.7%

EPS beat(16)6

Avg EPS beat(16)-9.34%

Revenue beat(2)2

Avg Revenue beat(2)6.93%

Min Revenue beat(2)1.92%

Max Revenue beat(2)11.95%

Revenue beat(4)4

Avg Revenue beat(4)11.31%

Min Revenue beat(4)1.92%

Max Revenue beat(4)20.32%

Revenue beat(8)7

Avg Revenue beat(8)11.33%

Revenue beat(12)11

Avg Revenue beat(12)25.64%

Revenue beat(16)15

Avg Revenue beat(16)29.73%

PT rev (1m)-3.8%

PT rev (3m)-3.4%

EPS NQ rev (1m)-0.67%

EPS NQ rev (3m)-8.39%

EPS NY rev (1m)-1.46%

EPS NY rev (3m)-1.66%

Revenue NQ rev (1m)-0.04%

Revenue NQ rev (3m)1.34%

Revenue NY rev (1m)0.72%

Revenue NY rev (3m)1.77%

Valuation

		Industry Rank	Sector Rank
PE	4.38
Fwd PE	4.1
P/S	0.78
P/FCF	N/A
P/OCF	N/A
P/B	0.37
P/tB	0.39
EV/EBITDA	N/A

EPS(TTM)8.18

EY22.81%

EPS(NY)8.75

Fwd EY24.4%

FCF(TTM)-18.36

FCFYN/A

OCF(TTM)-17.2

OCFYN/A

SpS45.7

BVpS95.7

TBVpS92.64

PEG (NY)0.63

PEG (5Y)0.57

Profitability

		Industry Rank	Sector Rank
ROA	0.56%
ROE	8.59%
ROCE	N/A
ROIC	N/A
ROICexc	N/A
ROICexgc	N/A
OM	N/A
PM (TTM)	17.98%
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-Score5

Asset Turnover0.03

Health

		Industry Rank	Sector Rank
Debt/Equity	2.43
Debt/FCF	N/A
Debt/EBITDA	N/A
Cap/Depr	35.4%
Cap/Sales	2.53%
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-Score5

WACC12.09%

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)22.29%

EPS 3Y4.3%

EPS 5Y7.67%

EPS Q2Q%1923.08%

EPS Next Y6.96%

EPS Next 2Y6.67%

EPS Next 3Y6.23%

EPS Next 5YN/A

Revenue 1Y (TTM)4.73%

Revenue growth 3Y11.69%

Revenue growth 5Y11.94%

Sales Q2Q%18.54%

Revenue Next Year2.99%

Revenue Next 2Y2.56%

Revenue Next 3Y2.59%

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-632.36%

FCF growth 3YN/A

FCF growth 5YN/A

OCF growth 1Y-477.9%

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