WOORI FINANCIAL-SPON ADR (WF) Stock Fundamental Analysis
USA - New York Stock Exchange - NYSE:WF - US9810641087 - ADR
58.1 USD
-1.09 (-1.84%)
58.1 USD
0 (0%)
We assign a fundamental rating of 3 out of 10 to WF. WF was compared to 387 industry peers in the Banks industry. WF may be in some trouble as it scores bad on both profitability and health. A decent growth rate in combination with a cheap valuation! Better keep an eye on WF. 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 had a positive cash flow from operations.
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 has a Return On Assets of 0.52%. This is in the lower half of the industry: WF underperforms 75.45% of its industry peers.
With a Return On Equity value of 8.68%, WF perfoms like the industry average, outperforming 48.06% 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's Profit Margin of 17.16% is on the low side compared to the rest of the industry. WF is outperformed by 72.35% 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.
Compared to 1 year ago, WF has less shares outstanding
The number of shares outstanding for WF has been increased compared to 5 years ago.
The debt/assets ratio for WF is higher compared to a year ago.
2.2 Solvency
The Debt to FCF ratio of WF is 25.84, which is on the high side as it means it would take WF, 25.84 years of fcf income to pay off all of its debts.
Looking at the Debt to FCF ratio, with a value of 25.84, WF is doing worse than 83.20% 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.
WF has a Debt to Equity ratio of 2.43. This is amonst the worse of the industry: WF underperforms 89.66% 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 |
3. Growth
3.1 Past
The Earnings Per Share has grown by an impressive 21.25% over the past year.
The Earnings Per Share has been growing slightly by 7.67% on average over the past years.
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 6.95% on average over the next years.
The Revenue is expected to grow by 4.05% on average over the next years.
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
WF is valuated cheaply with a Price/Earnings ratio of 6.73.
Compared to the rest of the industry, the Price/Earnings ratio of WF indicates a rather cheap valuation: WF is cheaper than 95.61% of the companies listed in the same industry.
The average S&P500 Price/Earnings ratio is at 26.92. WF is valued rather cheaply when compared to this.
Based on the Price/Forward Earnings ratio of 6.20, the valuation of WF can be described as very cheap.
Based on the Price/Forward Earnings ratio, WF is valued cheaper than 95.61% of the companies in the same industry.
WF is valuated cheaply when we compare the Price/Forward Earnings ratio to 23.57, which is the current average of the S&P500 Index.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| PE | 6.73 | ||
| Fwd PE | 6.2 |
4.2 Price Multiples
WF's Price/Free Cash Flow ratio is rather cheap when compared to the industry. WF is cheaper than 88.63% of the companies in the same industry.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| P/FCF | 6.19 | ||
| 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)0.53
PEG (5Y)0.88
EPS Next 2Y7.22%
EPS Next 3Y6.95%
5. Dividend
5.1 Amount
WF has a Yearly Dividend Yield of 4.50%, which is a nice return.
WF's Dividend Yield is rather good when compared to the industry average which is at 2.78. WF pays more dividend than 86.56% of the companies in the same industry.
WF's Dividend Yield is rather good when compared to the S&P500 average which is at 1.94.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Dividend Yield | 4.5% |
5.2 History
On average, the dividend of WF grows each year by 13.48%, which is quite nice.
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
29.78% 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.
DP29.78%
EPS Next 2Y7.22%
EPS Next 3Y6.95%
58.1
-1.09 (-1.84%)
Chartmill FA Rating
GICS SectorFinancials
GICS IndustryGroupBanks
GICS IndustryBanks
Earnings (Last)
Earnings (Next)
Inst Owners35.24%
Inst Owner Change0%
Ins Owners0%
Ins Owner ChangeN/A
Market Cap14.22B
Revenue(TTM)17.89T
Net Income(TTM)3.07T
Analysts82.22
Price Target61.17 (5.28%)
Short Float %0.04%
Short Ratio1.88
Dividend
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Dividend Yield | 4.5% |
Yearly Dividend2.44
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)1.13%
PT rev (3m)4.49%
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)0.01%
Valuation
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| PE | 6.73 | ||
| Fwd PE | 6.2 | ||
| P/S | 1.15 | ||
| P/FCF | 6.19 | ||
| P/OCF | 5.64 | ||
| P/B | 0.58 | ||
| P/tB | 0.6 | ||
| EV/EBITDA | N/A |
EPS(TTM)8.63
EY14.85%
EPS(NY)9.37
Fwd EY16.13%
FCF(TTM)9.38
FCFY16.15%
OCF(TTM)10.31
OCFY17.74%
SpS50.5
BVpS99.82
TBVpS96.76
PEG (NY)0.53
PEG (5Y)0.88
Graham Number139.22
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%.