WOORI FINANCIAL-SPON ADR (WF) Stock Fundamental Analysis
USA - New York Stock Exchange - NYSE:WF - US9810641087 - ADR
56.77 USD
-0.59 (-1.03%)
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. Both the profitability and financial health of WF have multiple concerns. WF may be a bit undervalued, certainly considering the very reasonable score on growth 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 had a positive cash flow from operations.
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 0.52%, WF is not doing good in the industry: 75.72% of the companies in the same industry are doing better.
Looking at the Return On Equity, with a value of 8.68%, WF is in line with its industry, outperforming 47.78% of the companies in the same 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
WF has a Profit Margin of 17.16%. This is in the lower half of the industry: WF underperforms 72.58% of its industry peers.
In the last couple of years the Profit Margin of WF has declined.
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) | 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
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.
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 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.
Looking at the Debt to FCF ratio, with a value of 25.84, WF is doing worse than 83.03% of the companies in the same industry.
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: 89.56% of the companies in the same industry are doing better.
| 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 |
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.
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 quite strong growth in Revenue. The Revenue has grown by 9.33% 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)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 6.95% 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 Y12.67%
EPS Next 2Y7.22%
EPS Next 3Y6.95%
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.
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.
4. Valuation
4.1 Price/Earnings Ratio
The Price/Earnings ratio is 6.63, which indicates a rather cheap valuation of WF.
Based on the Price/Earnings ratio, WF is valued cheaply inside the industry as 95.82% of the companies are valued more expensively.
The average S&P500 Price/Earnings ratio is at 27.19. WF is valued rather cheaply when compared to this.
WF is valuated cheaply with a Price/Forward Earnings ratio of 6.11.
Compared to the rest of the industry, the Price/Forward Earnings ratio of WF indicates a rather cheap valuation: WF is cheaper than 95.56% of the companies listed in the same industry.
Compared to an average S&P500 Price/Forward Earnings ratio of 23.92, WF is valued rather cheaply.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| PE | 6.63 | ||
| Fwd PE | 6.11 |
4.2 Price Multiples
89.30% of the companies in the same industry are more expensive than WF, based on the Price/Free Cash Flow ratio.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| P/FCF | 6.1 | ||
| 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)0.52
PEG (5Y)0.86
EPS Next 2Y7.22%
EPS Next 3Y6.95%
5. Dividend
5.1 Amount
WF has a Yearly Dividend Yield of 4.62%, which is a nice return.
Compared to an average industry Dividend Yield of 2.90, WF pays a better dividend. On top of this WF pays more dividend than 83.55% of the companies listed in the same industry.
Compared to an average S&P500 Dividend Yield of 1.92, WF pays a better dividend.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Dividend Yield | 4.62% |
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 29.78% 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.
DP29.78%
EPS Next 2Y7.22%
EPS Next 3Y6.95%
NYSE:WF (1/12/2026, 3:57:01 PM)
56.77
-0.59 (-1.03%)
Chartmill FA Rating
GICS SectorFinancials
GICS IndustryGroupBanks
GICS IndustryBanks
Earnings (Last)
Earnings (Next)
Inst Owners35.24%
Inst Owner Change0.09%
Ins Owners0%
Ins Owner ChangeN/A
Market Cap13.89B
Revenue(TTM)17.89T
Net Income(TTM)3.07T
Analysts82.22
Price Target61.17 (7.75%)
Short Float %0.04%
Short Ratio1.88
Dividend
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Dividend Yield | 4.62% |
Yearly Dividend2.42
Dividend Growth(5Y)13.48%
DP29.78%
Div Incr Years1
Div Non Decr Years1
Ex-DateN/A
Surprises & Revisions
EPS beat(2)1
Avg EPS beat(2)15.3%
Min EPS beat(2)-3.46%
Max EPS beat(2)34.06%
EPS beat(4)1
Avg EPS beat(4)-3%
Min EPS beat(4)-32.74%
Max EPS beat(4)34.06%
EPS beat(8)2
Avg EPS beat(8)-12.51%
EPS beat(12)3
Avg EPS beat(12)-12.08%
EPS beat(16)6
Avg EPS beat(16)-7.1%
Revenue beat(2)2
Avg Revenue beat(2)8.41%
Min Revenue beat(2)2.16%
Max Revenue beat(2)14.67%
Revenue beat(4)4
Avg Revenue beat(4)10.89%
Min Revenue beat(4)2.16%
Max Revenue beat(4)14.77%
Revenue beat(8)7
Avg Revenue beat(8)8.61%
Revenue beat(12)11
Avg Revenue beat(12)15.39%
Revenue beat(16)15
Avg Revenue beat(16)23.75%
PT rev (1m)-0.56%
PT rev (3m)3.06%
EPS NQ rev (1m)-0.41%
EPS NQ rev (3m)32.24%
EPS NY rev (1m)-0.82%
EPS NY rev (3m)5.88%
Revenue NQ rev (1m)0%
Revenue NQ rev (3m)-0.38%
Revenue NY rev (1m)-0.02%
Revenue NY rev (3m)-0.02%
Valuation
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| PE | 6.63 | ||
| Fwd PE | 6.11 | ||
| P/S | 1.13 | ||
| P/FCF | 6.1 | ||
| P/OCF | 5.55 | ||
| P/B | 0.57 | ||
| P/tB | 0.59 | ||
| EV/EBITDA | N/A |
EPS(TTM)8.56
EY15.08%
EPS(NY)9.29
Fwd EY16.37%
FCF(TTM)9.3
FCFY16.39%
OCF(TTM)10.22
OCFY18%
SpS50.08
BVpS98.98
TBVpS95.95
PEG (NY)0.52
PEG (5Y)0.86
Graham Number138.07
Profitability
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| ROA | 0.52% | ||
| ROE | 8.68% | ||
| ROCE | N/A | ||
| ROIC | N/A | ||
| ROICexc | N/A | ||
| ROICexgc | N/A | ||
| OM | N/A | ||
| PM (TTM) | 17.16% | ||
| GM | N/A | ||
| FCFM | 18.58% |
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-Score8
Asset Turnover0.03
Health
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Debt/Equity | 2.43 | ||
| Debt/FCF | 25.84 | ||
| Debt/EBITDA | N/A | ||
| Cap/Depr | 26.46% | ||
| Cap/Sales | 1.83% | ||
| Interest Coverage | N/A | ||
| Cash Conversion | N/A | ||
| Profit Quality | 108.26% | ||
| Current Ratio | N/A | ||
| Quick Ratio | N/A | ||
| Altman-Z | N/A |
F-Score8
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)21.25%
EPS 3Y4.3%
EPS 5Y7.67%
EPS Q2Q%42.08%
EPS Next Y12.67%
EPS Next 2Y7.22%
EPS Next 3Y6.95%
EPS Next 5YN/A
Revenue 1Y (TTM)9.33%
Revenue growth 3Y11.69%
Revenue growth 5Y11.94%
Sales Q2Q%17.53%
Revenue Next Year4.7%
Revenue Next 2Y4.54%
Revenue Next 3Y4.05%
Revenue Next 5YN/A
EBIT growth 1YN/A
EBIT growth 3YN/A
EBIT growth 5YN/A
EBIT Next Year-4.65%
EBIT Next 3Y-0.2%
EBIT Next 5YN/A
FCF growth 1Y-69.69%
FCF growth 3YN/A
FCF growth 5YN/A
OCF growth 1Y-67.72%
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.
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%.