WF Stock Analysis: Woori Financial | NYSE

Loans, Insurance, Credit Cards, Securities

Total Rating 39

Safety 32

Buy Signal 0.63

Banks - Regional
Industry Rotation: +6.1

Market Cap: 18.6B
Avg Turnover: 5.70M

Risk 3d forecast

Volatility34.4%

VaR 5^th Pctl5.78%

VaR vs Median2.11%

Reward TTM

Sharpe Ratio1.07

Rel. Str. IBD87.5

Rel. Str. Peer Group80.8

Character TTM

Beta0.705

Beta Downside0.346

Hurst Exponent0.585

Drawdowns 3y

Max DD31.52%

CAGR/Max DD1.68

CAGR/Mean DD7.24

EPS (Earnings per Share)

EPS CAGR: 8.50%
EPS Trend: 29.0%

Last SUE: -4.00
Qual. Beats: -1

Revenue

Rev. CAGR: -20.19%
Rev. Trend: -64.2%

Last SUE: -0.25
Qual. Beats: 0

Warnings

No concerns identified

Tailwinds

Rs Leader

Seasonality 11.7 years of data

Jan +0.8% 21

Feb -1.9% 5

Mar -3.4% 31

Apr +2.8% 38

May -0.6% 5

Jun +2.3% 31

Jul +0.9% 20

Aug -2.1% 21

Sep +0.2% 0

Oct -3.2% 15

Nov +1.3% 14

Dec +1.1% 25

How good or bad each month usually is (without trend). The score below shows how much you can trust it: 0 = pure chance, >40 gets interesting and >55 is strong.

Description: WF Woori Financial

Woori Financial Group Inc. is a South Korea-based bank holding company that provides a broad range of financial services across Korea, China, the United States, the United Kingdom, Japan, and other international markets. Founded in 1899 and headquartered in Seoul, the company operates through four business segments: Banking Insurance, Credit Card Capital, Investment Securities, and Others.

Its service offerings span retail and commercial banking, insurance, credit and debit cards, lease financing, securities brokerage and trading, foreign exchange, investment trusts, private equity funds, asset management, and retirement pension products. The group also engages in related activities such as system software development, credit information services, derivatives trading, and asset securitization. As a diversified bank under the GICS classification, Woori combines traditional lending and deposit-taking with capital markets, insurance distribution, and asset management within a single financial holding company structure.

Headlines to Watch Out For

Net interest margin compresses as Bank of Korea cuts rates
Korean household debt restructuring pressures loan growth and credit costs
Capital returns expand via higher dividends and active buyback program

Piotroski VR-10 (Strict) 5.0

Net Income: 3289b TTM > 0 and > 6% of Revenue
FCF/TA: 0.06 > 0.02 and ΔFCF/TA 6.39 > 1.0
NWC/Revenue: -2.72k% < 20% (prev -1.20k%; Δ -1.52k% < -1%)
CFO/TA 0.06 > 3% & CFO 36143b > Net Income 3289b
Net Debt (-18611b) to EBITDA (5528b): -3.37 < 3
Current Ratio: 0.38 > 1.5 & < 3
Outstanding Shares: last quarter (248.0m) vs 12m ago 1.36% < -2%
Gross Margin: -56.53% > 18% (prev 43.19%; Δ -99.72% > 0.5%)
Asset Turnover: 1.58% > 50% (prev 4.75%; Δ -3.18% > 0%)
Interest Coverage Ratio: 0.34 > 6 (EBIT TTM 4258b / Interest Expense TTM 12701b)

Altman Z'' -2.33

A: -0.40 (Total Current Assets 153121b - Total Current Liabilities 404420b) / Total Assets 635179b
B: 0.05 (Retained Earnings 29404b / Total Assets 635179b)
C: 0.01 (EBIT TTM 4258b / Avg Total Assets 584646b)
D: 0.07 (Book Value of Equity 38885b / Total Liabilities 594301b)
Altman-Z'' = -2.33 = D

Beneish M -1.89

DSRI: 3.0 (Receivables 30832b/24380b, Revenue 9224b/25386b)
GMI: 1.00 (fallback, negative margins)
AQI: 0.93 (AQ_t 0.75 / AQ_t-1 0.81)
SGI: 0.36 (Revenue 9224b / 25386b)
TATA: -0.05 (NI 3289b - CFO 36143b) / TA 635179b)
Beneish M = -1.89 (Cap -4..+1) = B

What is the price of WF shares?

As of September 27, 2026, the stock is trading at USD 78.03 with a total of 50,868 shares traded. Over the past week, the price has changed by +0.06%, over one month by +9.95%, over three months by +36.91% and over the past year by +42.60%.

Current recommended Stop Loss: 75.40 (which is 3.4% or 1.3 ATR below the current price).

Is WF a buy, sell or hold?

Woori Financial has received a consensus analysts rating of 5.00. Therefore, it is recommended to buy WF.

StrongBuy: 1
Buy: 0
Hold: 0
Sell: 0
StrongSell: 0

What are the forecasts/targets for the WF price?

Analysts Target Price	94.5	21.1%

Woori Financial (WF) - Fundamental Data Overview as of 26 September 2026

Market Cap USD = 18.6b (18.6b USD * 1.0 USD.USD)
Market Cap KRW = 25239b (18.6b USD * 1353.68 USD.KRW)
P/E Trailing = 8.5462
P/E Forward = 2.4558
P/S = 0.0017
P/B = 0.6908
P/EG = 2.4556
Revenue TTM = 9224b KRW
EBIT TTM = 4258b KRW
EBITDA TTM = 5528b KRW
Long Term Debt = 95403b KRW (from longTermDebt, last quarter)
Short Term Debt = 62140b KRW (from shortTermDebt, last quarter)
Debt = 103079b KRW (from shortLongTermDebtTotal, last quarter) + Leases 580b
Net Debt = -18611b KRW (calculated: Debt 103079b - CCE 121690b)
Enterprise Value = 6628b KRW (25239b + Debt 103079b - CCE 121690b)
Interest Coverage Ratio = 0.34 (Ebit TTM 4258b / Interest Expense TTM 12701b)
EV/FCF = 0.19x (Enterprise Value 6628b / FCF TTM 35728b)
FCF Yield = 539.0% (FCF TTM 35728b / Enterprise Value 6628b)
FCF Margin = 387.3% (FCF TTM 35728b / Revenue TTM 9224b)
Net Margin = 35.66% (Net Income TTM 3289b / Revenue TTM 9224b)
Gross Margin = -56.53% ((Revenue TTM 9224b - Cost of Revenue TTM 14439b) / Revenue TTM)
Gross Margin QoQ = none% (prev none%)
Tobins Q-Ratio = 0.01 (Enterprise Value 6628b / Total Assets 635179b)
Interest Expense / Debt = 12.32% (Interest Expense 12701b / Debt 103079b)
Taxrate = 21.63% (921b / 4258b)
NOPAT = 3337b (EBIT 4258b * (1 - 21.63%))
Current Ratio = 0.38 (Total Current Assets 153121b / Total Current Liabilities 404420b)
Debt / Equity = 2.65 (Debt 103079b / totalStockholderEquity, last quarter 38885b)
Debt / EBITDA = -3.37 (Net Debt -18611b / EBITDA 5528b)
Debt / FCF = -0.52 (Net Debt -18611b / FCF TTM 35728b)
Total Stockholder Equity = 37066b (last 4 quarters mean from totalStockholderEquity)
RoA = 0.56% (Net Income 3289b / Total Assets 635179b)
RoE = 8.87% (Net Income TTM 3289b / Total Stockholder Equity 37066b)
RoCE = 3.21% (EBIT 4258b / Capital Employed (Equity 37066b + L.T.Debt 95403b))
RoIC = 0.53% (NOPAT 3337b / Invested Capital 634718b)
WACC = 9.42% (E(25239b)/V(128318b) * Re(8.46%) + D(103079b)/V(128318b) * Rd(12.32%) * (1-Tc(0.22)))
Discount Rate = 8.46% (= CAPM, Blume Beta Adj.)
Shares (quarterly) Correlation: 21.20 | Cagr: -0.16%
[DCF] Terminal Value 71.77% ; FCFF base≈35728b ; Y1≈35875b ; Y5≈38003b
[DCF] Fair Price = 2.14m (EV 499967b - Net Debt -18611b = Equity 518579b / Shares 242.7m; r=9.42% [WACC]; 5y FCF grow 0.0% → 2.50% )
[DCF] Fair Price = 2.14m (out of range, set to none)
EPS Correlation: 29.01 | EPS CAGR: 8.50% | SUE: -4.0 | # QB: -1
Revenue Correlation: -64.20 | Revenue CAGR: -20.19% | SUE: -0.25 | # QB: 0
EPS current Quarter (2026-09-30): EPS=4267.58 | Chg30d=+0.96% | Revisions=+25% | Analysts=1
EPS current Year (2026-12-31): EPS=13271.81 | Chg30d=+0.96% | Revisions=-25% | GrowthEPS=+8.6% | GrowthRev=+7.2%
EPS next Year (2027-12-31): EPS=15653.55 | Chg30d=+0.96% | Revisions=+25% | GrowthEPS=+17.9% | GrowthRev=+5.1%