WOORI FINANCIAL-SPON ADR (WF) Stock Fundamental Analysis

NYSE:WF • US9810641087

69.505 USD
-4.41 (-5.96%)
Last: Mar 3, 2026, 12:26 PM
Overview Stock Chart Technical Analysis Fundamental Analysis Analyst Ratings Earnings Estimates Financials Ownership News
Fundamental Rating

3

Overall WF gets a fundamental rating of 3 out of 10. We evaluated WF against 379 industry peers in the Banks industry. WF has a bad profitability rating. Also its financial health evaluation is rather negative. WF may be a bit undervalued, certainly considering the very reasonable score on growth


Dividend Valuation Growth Profitability Health

2

1. Profitability

1.1 Basic Checks

  • WF had positive earnings in the past year.
  • WF had a positive operating cash flow in the past year.
  • WF had positive earnings in each of the past 5 years.
  • In multiple years WF reported negative operating cash flow during the last 5 years.
WF Yearly Net Income VS EBIT VS OCF VS FCFWF Yearly Net Income VS EBIT VS OCF VS FCFYearly Net Income VS EBIT VS OCF VS FCF 2016 2017 2018 2019 2020 2021 2022 2023 2024 0 5T -5T 10T 15T

1.2 Ratios

  • The Return On Assets of WF (0.52%) is worse than 78.36% of its industry peers.
  • With a Return On Equity value of 8.68%, WF perfoms like the industry average, outperforming 47.23% of the companies in the same industry.
Industry RankSector 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
WF Yearly ROA, ROE, ROICWF Yearly ROA, ROE, ROICYearly ROA, ROE, ROIC 2016 2017 2018 2019 2020 2021 2022 2023 2024 2 4 6 8 10

1.3 Margins

  • Looking at the Profit Margin, with a value of 17.16%, WF is doing worse than 74.67% of the companies in the same industry.
  • 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 RankSector 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
WF Yearly Profit, Operating, Gross MarginsWF Yearly Profit, Operating, Gross MarginsYearly Profit, Operating, Gross Margins 2016 2017 2018 2019 2020 2021 2022 2023 2024 5 10 15 20

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ROAROEROICOperating and Profit MarginShow most profitable peers

0

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.
  • The number of shares outstanding for WF has been increased compared to 5 years ago.
  • Compared to 1 year ago, WF has a worse debt to assets ratio.
WF Yearly Shares OutstandingWF Yearly Shares OutstandingYearly Shares Outstanding 2016 2017 2018 2019 2020 2021 2022 2023 2024 50M 100M 150M 200M
WF Yearly Total Debt VS Total AssetsWF Yearly Total Debt VS Total AssetsYearly Total Debt VS Total Assets 2016 2017 2018 2019 2020 2021 2022 2023 2024 100T 200T 300T 400T 500T

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.
  • WF has a worse Debt to FCF ratio (25.84) than 83.91% of its industry peers.
  • A Debt/Equity ratio of 2.43 is on the high side and indicates that WF has dependencies on debt financing.
  • WF has a worse Debt to Equity ratio (2.43) than 90.24% of its industry peers.
Industry RankSector Rank
Debt/Equity 2.43
Debt/FCF 25.84
Altman-Z N/A
ROIC/WACCN/A
WACC11.72%
WF Yearly LT Debt VS Equity VS FCFWF Yearly LT Debt VS Equity VS FCFYearly LT Debt VS Equity VS FCF 2016 2017 2018 2019 2020 2021 2022 2023 2024 0 20T 40T 60T

2.3 Liquidity

Industry RankSector Rank
Current Ratio N/A
Quick Ratio N/A
WF Yearly Current Assets VS Current LiabilitesWF Yearly Current Assets VS Current LiabilitesYearly Current Assets VS Current Liabilites 2016 2017 2018 2019 2020 2021 2022 2023 2024 5T 10T 15T 20T 25T

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WACCDebt/EquityHow to determine the health of a companyAltman-Z scoreShow peers with great health

5

3. Growth

3.1 Past

  • The Earnings Per Share has grown by an impressive 21.25% 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 quite a strong growth in Revenue. In the last year, the Revenue has grown by 9.33%.
  • The Revenue has been growing by 11.94% on average over the past years. This is quite good.
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 6.99% 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 5.43% on average per year.
EPS Next Y12.78%
EPS Next 2Y7.13%
EPS Next 3Y6.99%
EPS Next 5YN/A
Revenue Next Year4.75%
Revenue Next 2Y5.97%
Revenue Next 3Y5.25%
Revenue Next 5Y5.43%

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.
WF Yearly Revenue VS EstimatesWF Yearly Revenue VS EstimatesYearly Revenue VS Estimates 2015 2016 2017 2018 2019 2020 2021 2022 2023 2024 2025 2026 2027 2028 5T 10T 15T
WF Yearly EPS VS EstimatesWF Yearly EPS VS EstimatesYearly EPS VS Estimates 2015 2016 2017 2018 2019 2020 2021 2022 2023 2024 2025 2026 2027 5K 10K

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Find the best growth stocksShow best growing peers

7

4. Valuation

4.1 Price/Earnings Ratio

  • A Price/Earnings ratio of 8.10 indicates a reasonable valuation of WF.
  • Based on the Price/Earnings ratio, WF is valued cheaper than 91.56% of the companies in the same industry.
  • WF is valuated cheaply when we compare the Price/Earnings ratio to 27.13, which is the current average of the S&P500 Index.
  • WF is valuated cheaply with a Price/Forward Earnings ratio of 7.47.
  • WF's Price/Forward Earnings ratio is rather cheap when compared to the industry. WF is cheaper than 91.29% of the companies in the same industry.
  • Compared to an average S&P500 Price/Forward Earnings ratio of 28.11, WF is valued rather cheaply.
Industry RankSector Rank
PE 8.1
Fwd PE 7.47
WF Price Earnings VS Forward Price EarningsWF Price Earnings VS Forward Price Earnings ChartPrice Earnings - Forward Price Earnings PE FPE 5 10 15 20 25

4.2 Price Multiples

  • 82.32% of the companies in the same industry are more expensive than WF, based on the Price/Free Cash Flow ratio.
Industry RankSector Rank
P/FCF 7.45
EV/EBITDA N/A
WF Per share dataWF EPS, Sales, OCF, FCF, BookValue per sharePer Share Data Per Share 20 40 60 80

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)1.06
EPS Next 2Y7.13%
EPS Next 3Y6.99%

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Price/EarningsPrice/FCFFCF per shareEV/EBITDAPEG RATIOShow best valued peers

6

5. Dividend

5.1 Amount

  • WF has a Yearly Dividend Yield of 3.59%. Purely for dividend investing, there may be better candidates out there.
  • WF's Dividend Yield is a higher than the industry average which is at 2.73.
  • Compared to an average S&P500 Dividend Yield of 1.82, WF pays a better dividend.
Industry RankSector Rank
Dividend Yield 3.59%

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
WF Yearly Dividends per shareWF Yearly Dividends per shareYearly Dividends per share 2016 2017 2018 2019 2020 2021 2022 2023 2024 2025 50 100 150

5.3 Sustainability

  • 29.78% of the earnings are spent on dividend by WF. This is a low number and sustainable payout ratio.
  • The dividend of WF is growing, but the earnings are growing slower. This means the dividend growth is not sustainable.
DP29.78%
EPS Next 2Y7.13%
EPS Next 3Y6.99%
WF Yearly Income VS Free CF VS DividendWF Yearly Income VS Free CF VS DividendYearly Income VS Free CF VS Dividend 2016 2017 2018 2019 2020 2021 2022 2023 2024 0 5T -5T 10T 15T
WF Dividend Payout.WF Dividend Payout, showing the Payout Ratio.WF Dividend Payout.PayoutRetained Earnings

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WOORI FINANCIAL-SPON ADR

NYSE:WF (3/3/2026, 12:26:23 PM)

69.505

-4.41 (-5.96%)

Chartmill FA Rating
GICS SectorFinancials
GICS IndustryGroupBanks
GICS IndustryBanks
Earnings (Last)02-04
Earnings (Next)04-23
Inst Owners35.24%
Inst Owner Change6.92%
Ins Owners0%
Ins Owner ChangeN/A
Market Cap16.94B
Revenue(TTM)17.89T
Net Income(TTM)3.07T
Analysts82.14
Price Target75.87 (9.16%)
Short Float %0.03%
Short Ratio0.96
Dividend
Industry RankSector Rank
Dividend Yield 3.59%
Yearly Dividend2.46
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)24.17%
PT rev (3m)25.44%
EPS NQ rev (1m)-7.93%
EPS NQ rev (3m)-8.37%
EPS NY rev (1m)0.41%
EPS NY rev (3m)1.09%
Revenue NQ rev (1m)0.52%
Revenue NQ rev (3m)0%
Revenue NY rev (1m)0.04%
Revenue NY rev (3m)0.03%
Valuation
Industry RankSector Rank
PE 8.1
Fwd PE 7.47
P/S 1.38
P/FCF 7.45
P/OCF 6.78
P/B 0.7
P/tB 0.72
EV/EBITDA N/A
EPS(TTM)8.58
EY12.34%
EPS(NY)9.3
Fwd EY13.38%
FCF(TTM)9.33
FCFY13.42%
OCF(TTM)10.25
OCFY14.74%
SpS50.21
BVpS99.24
TBVpS96.2
PEG (NY)0.63
PEG (5Y)1.06
Graham Number138.41
Profitability
Industry RankSector 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 RankSector 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 Y12.78%
EPS Next 2Y7.13%
EPS Next 3Y6.99%
EPS Next 5YN/A
Revenue 1Y (TTM)9.33%
Revenue growth 3Y11.69%
Revenue growth 5Y11.94%
Sales Q2Q%17.53%
Revenue Next Year4.75%
Revenue Next 2Y5.97%
Revenue Next 3Y5.25%
Revenue Next 5Y5.43%
EBIT growth 1YN/A
EBIT growth 3YN/A
EBIT growth 5YN/A
EBIT Next Year-4.65%
EBIT Next 3Y1.65%
EBIT Next 5Y2.48%
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 7 / 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 6 / 10 and the dividend payout ratio is 29.78%.