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Woori Finance Holdings Co
(NYSE:WF)
Woori Finance Holdings Co (WF) vs. SPDR S&P 500 ETF (SPY)
Woori Finance Holdings Co Business Overview & Revenue Model
Woori Finance Holdings Co Earnings Call Summary
Woori Finance Holdings Co Financial Statement Overview
| Breakdown | Dec 2025 | Dec 2024 | Dec 2023 | Dec 2022 | Dec 2021 |
|---|---|---|---|---|---|
Income Statement | |||||
| Total Revenue | 28.18T | 25.75T | 9.50T | 17.39T | 12.51T |
| Gross Profit | 13.74T | 10.91T | 9.93T | 10.55T | 9.07T |
| EBITDA | 5.11T | 5.39T | 4.40T | 5.48T | 4.48T |
| Net Income | 3.29T | 3.09T | 2.51T | 3.19T | 2.54T |
Balance Sheet | |||||
| Total Assets | 10.00T> | 10.00T> | 10.00T> | 10.00T> | 10.00T> |
| Cash, Cash Equivalents and Short-Term Investments | 46.73T | 71.08T | 68.45T | 67.30T | 46.69T |
| Total Debt | 94.51T | 83.82T | 76.36T | 73.39T | 69.96T |
| Total Liabilities | 10.00T> | 10.00T> | 10.00T> | 10.00T> | 10.00T> |
| Stockholders Equity | 32.31T | 34.10T | 31.67T | 28.76T | 25.84T |
Cash Flow | |||||
| Free Cash Flow | 6.70T | -6.54T | 1.23T | 18.28T | -2.06T |
| Operating Cash Flow | 7.03T | -6.13T | 1.62T | 18.62T | -1.80T |
| Investing Cash Flow | -17.50T | -34.30B | -2.25T | -6.97T | -10.67T |
| Financing Cash Flow | 22.07T | 1.25T | -2.86T | 1.92T | 9.08T |
Woori Finance Holdings Co Technical Analysis
Woori Finance Holdings Co Risk Analysis
Woori Finance Holdings Co Peers Comparison
Name | Overall Rating | Market Cap | P/E Ratio | ROE | Dividend Yield | Revenue Growth | EPS Growth |
|---|---|---|---|---|---|---|---|
70 Outperform | $18.71B | 8.44 | 17.70% | 10.29% | -6.79% | 16.13% | |
68 Neutral | $18.00B | 11.42 | 9.92% | 3.81% | 9.73% | 1.22% | |
67 Neutral | $19.24B | 14.56 | 21.25% | 5.56% | -11.64% | -8.75% | |
65 Neutral | $15.62B | 6.51 | 9.31% | 3.71% | -2.90% | 16.10% | |
65 Neutral | $27.96B | 18.46 | 8.70% | 2.86% | -4.88% | 4.84% | |
57 Neutral | $21.26B | 8.16 | 11.15% | 4.98% | 1.13% | -11.93% | |
56 Neutral | $14.58B | 12.58 | 21.37% | 4.29% | 12.43% | 56.30% |
Woori Finance Holdings Co Corporate Events
On March 4, 2026, Woori Financial Group Inc. reported that it had disclosed its audited consolidated and separate financial statements for the fiscal year ended December 31, 2025, prepared under Korean IFRS as adopted in the Republic of Korea. The group’s external auditors issued an unmodified opinion on the 2025 and 2024 consolidated financial statements and on internal control over financial reporting for consolidation purposes, while noting key audit focus on the allowance for credit losses on loans, and the company cautioned that the financial statements have not yet received shareholder approval and remain subject to change.
The audit work highlighted the complexity and judgment involved in measuring expected credit losses, particularly in incorporating forward-looking economic scenarios and qualitative factors into internal credit ratings for corporate loans. For investors and other stakeholders, the clean audit opinion supports confidence in the reliability of Woori Financial Group’s financial reporting and internal controls, but the pending shareholder approval means figures could still be revised before becoming final.
The most recent analyst rating on (WF) stock is a Buy with a $71.00 price target. To see the full list of analyst forecasts on Woori Finance Holdings Co stock, see the WF Stock Forecast page.
On March 4, 2026, Woori Financial Group Inc. announced that it had submitted the 2025 audit reports and accompanying consolidated and separate financial statements for Woori Bank, its wholly owned subsidiary, prepared under Korean International Financial Reporting Standards. The audit, conducted by KPMG Samjong Accounting Corp., concluded with an unqualified opinion stating that Woori Bank’s 2025 and 2024 consolidated financial statements fairly present the group’s financial position and performance in all material respects.
The disclosure enhances transparency for investors in the holding company by providing audited visibility into the financial health of its flagship banking subsidiary for the year ended December 31, 2025. However, Woori Financial Group cautioned that Woori Bank’s financial statements have not yet been approved by the bank’s shareholders and may be subject to change, a reminder that key figures could still be adjusted before final shareholder endorsement.
The most recent analyst rating on (WF) stock is a Buy with a $71.00 price target. To see the full list of analyst forecasts on Woori Finance Holdings Co stock, see the WF Stock Forecast page.
Woori Financial Group reported net profit attributable to controlling interests of KRW 3.124 trillion for 2025, reflecting a rebalanced asset portfolio and tighter risk controls, while its CET1 capital ratio rose to 12.90% as of December 31, 2025, above its stated target. The group completed its transformation into a full-service financial platform by entering insurance following its 2024 move into securities, strengthened internal controls and governance, and saw its share price and foreign investor ownership trend higher.
For 2025, the board approved an annual dividend of KRW 1,360 per share and executed KRW 150 billion in share buybacks and cancellations, lifting total shareholder return to around 40%. Looking to 2026, the group aims to raise dividends per share by at least 10%, expand buybacks, push AI-driven efficiency and cross-business synergies, and seek shareholder approval at its March 23, 2026 AGM for 2025 financial statements, amendments to its Articles of Incorporation, board elections including audit committee membership, and an updated cap on directors’ compensation.
The most recent analyst rating on (WF) stock is a Buy with a $71.00 price target. To see the full list of analyst forecasts on Woori Finance Holdings Co stock, see the WF Stock Forecast page.
On February 27, 2026, Woori Financial Group’s board resolved to convene its annual general meeting of shareholders for the 2025 fiscal year on March 23, 2026, at Woori Bank’s head office in Seoul. Shareholders will vote on the approval of the 2025 separate and consolidated financial statements, amendments to the articles of incorporation, the election of directors, and the maximum limit on directors’ compensation.
The agenda includes the reappointment of Chairman and CEO Jong Yong Yim as standing director through the 2029 AGM and the reappointment of In Sub Yoon as independent director through the 2027 AGM. The board is also proposing new independent director Jung Hye Ryu, who brings technology and AI strategy expertise, and the appointment of governance specialist Yong Geon Jung as an independent director and audit committee member through the 2028 AGM, signaling a focus on board continuity, digital strategy and strengthened oversight.
The most recent analyst rating on (WF) stock is a Buy with a $71.00 price target. To see the full list of analyst forecasts on Woori Finance Holdings Co stock, see the WF Stock Forecast page.
On February 6, 2026, Woori Financial Group’s board resolved to set February 27, 2026 as the record date to determine shareholders entitled to receive year-end dividends for the 2025 financial year, applying equally to holders of its common shares in Korea and its American Depositary Shares in New York. The company noted that, under its Articles of Incorporation, eligible shareholders will be identified solely based on this record date without closing the shareholder register, a procedural choice that streamlines administration while clarifying the timeline for investors awaiting the FY2025 dividend distribution.
The most recent analyst rating on (WF) stock is a Buy with a $71.00 price target. To see the full list of analyst forecasts on Woori Finance Holdings Co stock, see the WF Stock Forecast page.
On February 6, 2026, Woori Financial Group announced that, following changes to Korea’s Financial Investment Services and Capital Markets Act in January 2025 and a corresponding amendment to its Articles of Incorporation approved on March 26, 2025, its board has set new record dates and expected payment dates for quarterly cash dividends in 2026. For the 2026 financial year, the record dates will be May 11 for first-quarter dividends, August 10 for second-quarter dividends, and November 10 for third-quarter dividends, with expected payment dates of May 29, August 31, and November 30 respectively, subject to coordination with relevant institutions; these dates will apply equally to holders of common shares and American Depositary Shares and are intended to improve dividend predictability for investors, though the actual dividend amounts will be decided by the board within 45 days after the end of March, June, and September 2026.
The most recent analyst rating on (WF) stock is a Buy with a $71.00 price target. To see the full list of analyst forecasts on Woori Finance Holdings Co stock, see the WF Stock Forecast page.
On February 6, 2026, Woori Financial Group’s board approved a resolution recommending a year-end cash dividend of KRW 760 per common share, with a record date of February 27, 2026, implying a total payout of about KRW 557.9 billion based on current outstanding shares. Including quarterly dividends already paid for 2025, the full-year dividend comes to KRW 1,360 per share and KRW 998.9 billion in total, corresponding to an annual dividend yield of 4.4%; the cash will be funded via a reduction of capital reserve and, for most shareholders, will not constitute taxable dividend income under Korean tax law. The decision remains subject to external audit and approval at the annual general meeting, and the final amount may change depending on treasury share movements. Separately, on February 5, 2026, the board of Woori Bank, the group’s wholly owned banking subsidiary, resolved to recommend a year-end cash dividend of KRW 1,638 per common share for the 2025 financial year, totaling roughly KRW 1.17 trillion on 716 million shares, all of which will accrue to Woori Financial Group; this payout is likewise contingent on audit results and shareholder approval at Woori Bank’s annual general meeting scheduled for March 20, 2026, reinforcing the group’s capital return to its parent shareholders.
The most recent analyst rating on (WF) stock is a Buy with a $71.00 price target. To see the full list of analyst forecasts on Woori Finance Holdings Co stock, see the WF Stock Forecast page.
Woori Financial Group reported preliminary consolidated results for the fourth quarter and full year ended December 31, 2025, showing mixed trends. Quarterly revenue rose 31.3% year-on-year to about KRW 10.5 trillion, but operating income for the quarter slipped 26.6% from the previous quarter and income before tax sank 65.0% from the third quarter, while net income for the quarter fell 72.2% year-on-year to KRW 358.6 billion. On a cumulative 2025 basis, group revenue declined 10.6% versus 2024 to KRW 41.7 trillion, operating income fell 13.3%, yet net income edged up 2.3% to KRW 3.24 trillion, with profit attributable to equity holders up 1.8%, indicating pressure on margins and earnings volatility despite modest full‑year bottom-line growth. The group noted that these figures are preliminary and unaudited, leaving potential for adjustments that could affect investor assessments of its recent performance. Its main banking subsidiary, Woori Bank, also posted preliminary consolidated figures: quarterly revenue in 4Q 2025 climbed 44.2% year-on-year, but operating income dropped 30.1% from the prior quarter and net income plunged 57.7% year-on-year to KRW 311.1 billion; for full‑year 2025, revenue decreased 21.0%, operating income fell 13.1% and net income declined 14.7% from 2024. These results suggest that while the bank is still a key earnings driver for the group, it is experiencing significant short-term profitability pressure, with implications for shareholders monitoring asset quality, cost control and earnings sustainability as the preliminary numbers are finalized.
The most recent analyst rating on (WF) stock is a Buy with a $71.00 price target. To see the full list of analyst forecasts on Woori Finance Holdings Co stock, see the WF Stock Forecast page.
On February 6, 2026, Woori Financial Group’s board approved a KRW 200 billion trust agreement to acquire treasury shares between February 10 and June 10, 2026, appointing Eugene Investment & Securities as the brokerage. The buyback, aimed at enhancing shareholder returns and corporate value, comes as the group holds 53,945 treasury shares (0.01%) and sits well within its legal limit for share repurchases under Korea’s commercial code, signaling continued capital-management efforts favorable to shareholders.
The most recent analyst rating on (WF) stock is a Buy with a $71.00 price target. To see the full list of analyst forecasts on Woori Finance Holdings Co stock, see the WF Stock Forecast page.
On February 6, 2026, Woori Financial Group’s board of directors approved the cancellation of 6,269,592 shares of its common stock, out of a total 734,076,320 shares issued, with an estimated cancellation amount of KRW 200 billion based on the retirement amount resolved that day. The group plans to acquire these treasury shares between February 10 and June 10, 2026, primarily through a trust arrangement, and will cancel all shares once acquisition is complete, reducing the total number of shares outstanding without affecting paid‑in capital, in line with Article 343(1) of the Korean Commercial Code and within the limit of profits available for dividends; the move is expected to enhance capital efficiency and potentially support shareholder value by shrinking the equity base while keeping regulatory capital intact.
The most recent analyst rating on (WF) stock is a Buy with a $71.00 price target. To see the full list of analyst forecasts on Woori Finance Holdings Co stock, see the WF Stock Forecast page.
On February 6, 2026, Woori Financial Group Inc., the Seoul-based financial services holding company, announced that it has published its “2026 Corporate Value Enhancement Plan” on its website, following up on a prior initiative aimed at strengthening its performance and shareholder value. The newly disclosed plan reviews the outcomes of the “2025 Corporate Value Enhancement Plan” and sets out a 2026 action plan, signaling continued efforts to assess past performance and implement measures to enhance corporate value, with potential implications for the group’s strategic direction, operational priorities, and stakeholder returns in the current fiscal year.
The most recent analyst rating on (WF) stock is a Buy with a $71.00 price target. To see the full list of analyst forecasts on Woori Finance Holdings Co stock, see the WF Stock Forecast page.
On February 2, 2026, Woori Financial Group announced its tentative schedule for 2026 earnings release conferences as part of efforts to improve market transparency and communication with shareholders and investors. The company plans to disclose FY2025 annual results on February 6, 2026, followed by first-quarter 2026 results on April 24, 2026, first-half 2026 results on July 24, 2026, and third-quarter 2026 results on October 23, 2026, all at 16:00 KST. The timetable remains subject to board approval of financial statements and possible adjustments to the reporting timeline, with the group committing to issue a separate notice at least three days before each conference, signaling a structured approach to investor relations and earnings visibility.
The most recent analyst rating on (WF) stock is a Buy with a $71.00 price target. To see the full list of analyst forecasts on Woori Finance Holdings Co stock, see the WF Stock Forecast page.
Woori Financial Group Inc. has announced that it will hold its FY2025 earnings release conference on Friday, February 6, 2026, at 16:00 Korea time, offering both a live audio webcast via its website and a simultaneous conference call in Korean with English interpretation. The event, which will cover the group’s full-year 2025 results followed by a Q&A session, underscores the company’s ongoing engagement with global investors and analysts and is intended to provide transparent disclosure of its recent financial performance, although Woori notes that the schedule may be adjusted depending on internal circumstances.
The most recent analyst rating on (WF) stock is a Buy with a $71.00 price target. To see the full list of analyst forecasts on Woori Finance Holdings Co stock, see the WF Stock Forecast page.
Woori Financial Group Inc. announced that December 31, 2025, will be the record date to determine shareholders eligible to vote at the annual general meeting for the fiscal year 2025. Additionally, the company has revised its Articles of Incorporation to allow the Board of Directors to decide the record date for year-end dividends, which will be announced after a resolution expected in or after February 2026. This change means dividends for the fiscal year 2025 will not be paid based on the December 31, 2025 record date but on a future date determined by the board, impacting shareholder expectations and financial planning.
The most recent analyst rating on (WF) stock is a Buy with a $65.00 price target. To see the full list of analyst forecasts on Woori Finance Holdings Co stock, see the WF Stock Forecast page.