WOORI FINANCIAL-SPON ADR (WF) Stock Fundamental Analysis
NYSE:WF - New York Stock Exchange, Inc. - US9810641087 - ADR - Currency: USD
We assign a fundamental rating of 3 out of 10 to WF. WF was compared to 393 industry peers in the Banks industry. WF may be in some trouble as it scores bad on both profitability and health. 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
WF had positive earnings in the past year.
WF had a negative 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.
1.2 Ratios
WF's Return On Assets of 0.51% is on the low side compared to the rest of the industry. WF is outperformed by 74.05% of its industry peers.
With a Return On Equity value of 8.05%, WF perfoms like the industry average, outperforming 48.09% of the companies in the same industry.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| ROA | 0.51% | ||
| ROE | 8.05% | ||
| 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 worse Profit Margin (16.83%) than 70.48% of its industry peers.
WF's Profit Margin has declined in the last couple of years.
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) | 16.83% | ||
| 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.
Compared to 1 year ago, WF has a worse debt to assets ratio.
2.2 Solvency
A Debt/Equity ratio of 2.44 is on the high side and indicates that WF has dependencies on debt financing.
WF has a Debt to Equity ratio of 2.44. This is amonst the worse of the industry: WF underperforms 90.33% of its industry peers.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Debt/Equity | 2.44 | ||
| 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 grown by an impressive 76.00% 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.
WF shows a small growth in Revenue. In the last year, the Revenue has grown by 6.90%.
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)76%
EPS 3Y4.3%
EPS 5Y7.67%
EPS Q2Q%200.79%
Revenue 1Y (TTM)6.9%
Revenue growth 3Y11.69%
Revenue growth 5Y11.94%
Sales Q2Q%-14.21%
3.2 Future
WF is expected to show a small growth in Earnings Per Share. In the coming years, the EPS will grow by 6.23% yearly.
WF is expected to show a small growth in Revenue. In the coming years, the Revenue will grow by 3.17% yearly.
EPS Next Y6.96%
EPS Next 2Y6.67%
EPS Next 3Y6.23%
EPS Next 5YN/A
Revenue Next Year4.28%
Revenue Next 2Y3.33%
Revenue Next 3Y3.17%
Revenue Next 5YN/A
3.3 Evolution
When comparing the EPS growth rate of the last years to the growth rate of the upcoming years, we see that the growth is stable.
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
Based on the Price/Earnings ratio of 4.04, the valuation of WF can be described as very cheap.
WF's Price/Earnings ratio is rather cheap when compared to the industry. WF is cheaper than 97.46% of the companies in the same industry.
WF is valuated cheaply when we compare the Price/Earnings ratio to 26.86, which is the current average of the S&P500 Index.
A Price/Forward Earnings ratio of 5.48 indicates a rather cheap valuation of WF.
Compared to the rest of the industry, the Price/Forward Earnings ratio of WF indicates a rather cheap valuation: WF is cheaper than 95.67% of the companies listed in the same industry.
When comparing the Price/Forward Earnings ratio of WF to the average of the S&P500 Index (34.94), we can say WF is valued rather cheaply.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| PE | 4.04 | ||
| Fwd PE | 5.48 |
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)0.58
PEG (5Y)0.53
EPS Next 2Y6.67%
EPS Next 3Y6.23%
5. Dividend
5.1 Amount
WF has a Yearly Dividend Yield of 4.64%, which is a nice return.
WF's Dividend Yield is rather good when compared to the industry average which is at 3.41. WF pays more dividend than 82.19% 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 | 4.64% |
5.2 History
On average, the dividend of WF grows each year by 13.48%, 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)13.48%
Div Incr Years1
Div Non Decr Years1
5.3 Sustainability
WF pays out 32.34% 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.
DP32.34%
EPS Next 2Y6.67%
EPS Next 3Y6.23%
NYSE:WF (8/21/2025, 10:44:39 AM)
53.19
+0.02 (+0.04%)
Chartmill FA Rating
GICS SectorFinancials
GICS IndustryGroupBanks
GICS IndustryBanks
Earnings (Last)
Earnings (Next)
Inst Owners29.28%
Inst Owner Change8.51%
Ins Owners0%
Ins Owner ChangeN/A
Market Cap13.01B
Analysts82.4
Price Target60.7 (14.12%)
Short Float %0.05%
Short Ratio1.56
Dividend
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Dividend Yield | 4.64% |
Yearly Dividend2.57
Dividend Growth(5Y)13.48%
DP32.34%
Div Incr Years1
Div Non Decr Years1
Ex-Date
Surprises & Revisions
EPS beat(2)0
Avg EPS beat(2)-21.31%
Min EPS beat(2)-32.74%
Max EPS beat(2)-9.87%
EPS beat(4)1
Avg EPS beat(4)-8.34%
Min EPS beat(4)-32.74%
Max EPS beat(4)11.75%
EPS beat(8)2
Avg EPS beat(8)-19.51%
EPS beat(12)3
Avg EPS beat(12)-14.43%
EPS beat(16)6
Avg EPS beat(16)-8.99%
Revenue beat(2)2
Avg Revenue beat(2)13.36%
Min Revenue beat(2)11.95%
Max Revenue beat(2)14.77%
Revenue beat(4)4
Avg Revenue beat(4)12.24%
Min Revenue beat(4)1.92%
Max Revenue beat(4)20.32%
Revenue beat(8)7
Avg Revenue beat(8)7.25%
Revenue beat(12)11
Avg Revenue beat(12)23.21%
Revenue beat(16)15
Avg Revenue beat(16)28.16%
PT rev (1m)31.93%
PT rev (3m)38.39%
EPS NQ rev (1m)7.22%
EPS NQ rev (3m)7.82%
EPS NY rev (1m)0.22%
EPS NY rev (3m)0.79%
Revenue NQ rev (1m)-17.67%
Revenue NQ rev (3m)1.53%
Revenue NY rev (1m)0.78%
Revenue NY rev (3m)0.78%
Valuation
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| PE | 4.04 | ||
| Fwd PE | 5.48 | ||
| P/S | 1.13 | ||
| P/FCF | N/A | ||
| P/OCF | N/A | ||
| P/B | 0.54 | ||
| P/tB | 0.56 | ||
| EV/EBITDA | N/A |
EPS(TTM)13.16
EY24.74%
EPS(NY)9.7
Fwd EY18.25%
FCF(TTM)-19.67
FCFYN/A
OCF(TTM)-18.46
OCFYN/A
SpS47.14
BVpS98.55
TBVpS95.34
PEG (NY)0.58
PEG (5Y)0.53
Profitability
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| ROA | 0.51% | ||
| ROE | 8.05% | ||
| ROCE | N/A | ||
| ROIC | N/A | ||
| ROICexc | N/A | ||
| ROICexgc | N/A | ||
| OM | N/A | ||
| PM (TTM) | 16.83% | ||
| 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-Score4
Asset Turnover0.03
Health
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Debt/Equity | 2.44 | ||
| Debt/FCF | N/A | ||
| Debt/EBITDA | N/A | ||
| Cap/Depr | 34.39% | ||
| Cap/Sales | 2.55% | ||
| 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)76%
EPS 3Y4.3%
EPS 5Y7.67%
EPS Q2Q%200.79%
EPS Next Y6.96%
EPS Next 2Y6.67%
EPS Next 3Y6.23%
EPS Next 5YN/A
Revenue 1Y (TTM)6.9%
Revenue growth 3Y11.69%
Revenue growth 5Y11.94%
Sales Q2Q%-14.21%
Revenue Next Year4.28%
Revenue Next 2Y3.33%
Revenue Next 3Y3.17%
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-173.81%
FCF growth 3YN/A
FCF growth 5YN/A
OCF growth 1Y-166.71%
OCF growth 3YN/A
OCF growth 5YN/A