WF
Woori Financial Group Inc
$63.62
▲ 2.2%Updated Today 3:42 PM ET
WF at a glance — five pillars scored 0–100 from real filed financials.
Overall: Favorable · 58/100. A wider, greener shape means more pillars look healthy. Dividends scores 0 when a company pays none — that is a choice, not a flaw.
▲ Up 21.9% over the last 12 months
Market Cap
$16.65B
P/E
7.08x
Forward P/E (est.)
6.48x
ROE
8.7%
Revenue Growth
55.7%
EPS Growth
9.2%
Profit Margin
19.9%
FCF Yield
—
Debt / Equity
2.61x
ROIC
5.0%
Interest Coverage
0.32x
Current Ratio
—
Dividend Yield
4.4%
Implied Growth (rev. DCF)
—
Rating Score
58/100
Woori Financial Group Inc (WF) is a large-cap company in the Banking industry, part of the Financials sector of the S&P 500, with a market value around $16.65B.
In its latest reported year it generated about $16.51B in revenue and $2.31B in net profit.
Our model rates WF Favorable (58/100) on growth, profitability, financial health, and valuation. The summary below is built from its filed financials and current ratios and refreshes automatically.
Evidence of durable competitive advantage in the filed financials (10 years of history).
The numbers don't show a durable competitive advantage — margins, growth, or returns on capital have been unstable or thin. Great returns are still possible; they just aren't protected.
22.2% average over the last 3 years
±6.4 pts around 24.0% across 10 years
grew in 7 of the last 9 year-over-year periods
positive in 6 of 10 years
5.0% latest fiscal year
A moat can't be proven by numbers alone — this scores the evidence a durable advantage leaves behind (pricing power, consistency, returns on capital), computed the same way for every stock. Pair it with the business overview before concluding anything.
Technical analysis reads price and volume to judge momentum and timing. It complements the fundamentals above — it does not replace them. Here is what WF's chart says today, with each tool explained.
Trend — moving averages. A moving average is the average closing price over a window, which smooths out daily noise. WF trades near $63.62, above its 50-day average ($62.99) and 200-day average ($62.21). Price above both averages, with the shorter one above the longer, is the textbook definition of an uptrend — momentum favours buyers.
Momentum — RSI. The Relative Strength Index runs 0–100 and measures how strong recent gains are versus losses. Above 70 is "overbought", below 30 "oversold". At 49 it is in neutral territory — neither stretched nor washed out.
MACD. MACD compares two moving averages to flag shifts in momentum. Its histogram is currently positive — short-term momentum is improving.
Volatility — ATR. Average True Range is the typical daily move. WF's is $2.15 (~3.4% of price), so swings of about that size each day are normal — handy for setting a stop that isn't too tight.
Support & resistance. Over the last month WF found buyers near $55.44 (support) and sellers near $67.04 (resistance); its 52-week range is $48.83–$84.71. A decisive break beyond either edge often marks the next move.
Volume. The latest session traded 0.3× the 20-day average — lighter than usual, so the move carries less conviction. Rising volume on up-days suggests real buying; on down-days, real selling.
Educational information to help you read a chart — not a recommendation or a forecast. It updates daily as the price and indicators change.
4Y CAGR
23.3%
Revenue moved from $6.52B in 2015 to $16.51B in 2024, a 10.9% compound annual growth rate. The most recent year grew a strong 55.7% year over year. Consistent top-line growth is one sign of healthy demand.
Gross Margin
—
Operating Margin
19.3%
Net Margin
14.0%
ROE
8.7%
Woori Financial Group Inc keeps about 19.9% of each sales dollar as net profit. Return on equity is 8.7% and return on invested capital about 5.0%. Margins this wide usually signal pricing power or a cost advantage.
Total Debt
$24.00B
Net Debt
$5.54B
Net Debt / EBITDA
1.74x
Debt / Equity
2.61x
Leverage: debt-to-equity is 2.6x, and operating profit covers interest about 0.3x. That is elevated leverage, which raises risk if earnings or rates move against it. It carries roughly $24.00B of total debt against $18.46B of cash.
Operating CF
-$4.60B
Free Cash Flow
-$4.76B
FCF Margin
-28.9%
In the latest year Woori Financial Group Inc produced about -$4.60B of operating cash flow but negative free cash flow as it invested heavily. Cash flow is what ultimately pays shareholders, so it is worth tracking over time.
Can the payout survive a bad year? Scored from filed cash flow, earnings coverage, and the raise/cut record.
Coverage is weak, the payout was cut recently, or it's being financed rather than earned — treat the current yield as fragile.
Dividend yield
4.4%
Per share (latest FY)
$0.49
Total paid (latest FY)
$658.75M
History on record
10 years
free cash flow was negative in the latest year — the dividend is being financed
28% of net income paid out
no current raise streak
payout was cut at least once in the last 10 years
Coverage uses the latest fiscal year as filed with the SEC; the streak counts total dollars paid (per-share figures can carry split artifacts). Educational information, not income advice.
P/E
7.08x
P/S
0.66x
P/B
0.57x
EV / EBITDA
6.76x
WF trades at 7.1x trailing earnings (about 6.5x on estimated forward earnings), 0.7x sales, and 0.6x book value. That is an undemanding multiple — potentially cheap if the business is stable.
Where WF sits versus its Financials sector peers in the S&P 500.
Bands show the middle half (25th–75th percentile) of the 141 Financials companies in the S&P 500 — the peer-relative anchor professional comps analysis uses. Context only — not investment advice.
How WF stacks up against its Financials peers — valuation, profitability, and growth versus the sector median.
In the Financials sector (289 S&P 500 companies), WF ranks #92 of 289 by our overall rating. It trades at a discount versus the sector on earnings (7.1x P/E vs. 15.3x median) with a lower return on equity (8.7% vs. 13.6%) and faster revenue growth (55.7% vs. 15.9%).
P/E vs sector
7.1x
median 15.3x
ROE vs sector
8.7%
median 13.6%
Growth vs sector
55.7%
median 15.9%
Sector rank
#92
of 289 by rating
Valuation vs. quality map
The sweet spot is upper-left: more profitable (higher ROE) for a lower P/E. Dashed lines mark the sector median.
Peers are the closest Financials companies by sub-industry and size. Sector median is across all 289 S&P 500 names in the sector. Educational, not a recommendation.
Project revenue → earnings → price. Edit the assumptions to build your own case.
2030 price target (Base Case)
$0.00 – $0.00
vs. $63.62 today · expected CAGR 35% – 48%
| Metric | 2026 | 2027 | 2028 | 2029 | 2030 |
|---|---|---|---|---|---|
| Revenue | $23.94B | $34.71B | $50.33B | $72.98B | $105.82B |
| Net income | $3.35B | $4.86B | $7.05B | $10.22B | $14.82B |
| EPS | $12.80 | $18.57 | $26.92 | $39.04 | $56.60 |
| Share price (low) | $64.02 | $92.84 | $134.61 | $195.19 | $283.02 |
| Share price (high) | $102.44 | $148.54 | $215.38 | $312.30 | $452.84 |
| CAGR (low–high) | 1% / 61% | 21% / 53% | 28% / 50% | 32% / 49% | 35% / 48% |
Educational model on sample fundamentals — not a forecast or investment advice. Outputs are only as good as your assumptions.
The case for WF:
- Revenue is growing 55.7% a year, a sign of real demand.
- High net margins (19.9%) point to pricing power or efficiency.
- Pays a 4.4% dividend on top of any price gains.
- Our model's overall read is Favorable (58/100).
The case against WF:
- Elevated leverage (debt/equity 2.6x) adds financial risk.
- Interest coverage is thin (0.3x), so debt costs bite.
Balance-sheet risk — debt/equity of 2.6x magnifies the impact of higher rates or weaker earnings.
Market risk — sector rotation, the economic cycle, and broad sentiment move the stock regardless of fundamentals.
On balance, the fundamentals screen favourably: Woori Financial Group Inc is a large-cap financials business still growing nicely, with solid profitability, and a heavier debt load to watch. It trades at 7.1x earnings, which our model scores Favorable (58/100). Weigh this against your own goals and time horizon — this is educational information, not a recommendation.
Analyst Ratings
What 28 Wall Street analysts covering WF recommend (July 2026). Consensus is a useful sanity check — not a substitute for your own homework.
Analysts have turned more positive over the last three months (+4 pts of buy ratings).
Latest SEC Filings
WF's most recent filings, straight from SEC EDGAR. Annual and quarterly reports are the deep dives; 8-Ks flag material events the moment they happen.
In the Idea Lab
WF — frequently asked questions
Is WF a good stock to buy?
We don't give buy or sell advice. Our model rates Woori Financial Group Inc Favorable (58/100) based on its growth, profitability, financial health, and valuation — use that as a research starting point and make your own decision.
What is WF's rating on The Stocks School?
Woori Financial Group Inc currently scores 58/100 (Favorable) on our transparent model, which weighs real fundamentals: growth, margins, returns on capital, balance-sheet strength, and valuation.
How our ratings work →Where does WF's data come from?
Live price data plus real fundamentals and 5-year financials pulled directly from Woori Financial Group Inc's SEC filings — refreshed automatically, not hand-entered.
How is the 5-year projection for WF calculated?
It's a scenario model: it grows revenue at an assumed rate, applies a profit margin and a valuation multiple, and shows the resulting share-price range. The assumptions are yours to change — it's a tool for thinking, not a prediction.
Is this WF analysis financial advice?
No. Everything on this page is educational research, not financial advice or a recommendation to buy or sell WF. Always do your own research and consider a licensed professional.
Data notice. Fundamentals and financial statements are sourced from company filings (SEC EDGAR) and market-data providers; prices and market caps refresh on trading days and may be delayed. Ratings, projections, technical signals, and written summaries are model- or rule-generated for education and may simplify or lag the latest filings.
Not advice. Nothing on this page is investment advice or a recommendation to buy, hold, or sell any security. Do your own research and consult a licensed financial professional before investing.