The earnings call presents a mixed picture with notable achievements in revenue growth, capital ratio improvement, and business expansion. However, challenges in net income, increased SG&A expenses, and higher credit costs reflect underlying pressures and uncertainties. Overall, the highlights and lowlights appear balanced.

Company Guidance -

Q3 2025

In the earnings call for Woori Financial Group on July 25, 2025, the group CFO, Sung-Wook Lee, provided comprehensive guidance on the company's financial performance and strategic initiatives for the first half of 2025. The group's net income was reported at KRW 1,551.3 billion, marking a year-on-year decrease of 11.6%, mainly due to one-off expenses from an early retirement program and provisions for a Trust company guarantee. However, excluding these, the net income was comparable to the previous year. The group's capital adequacy showed improvement, with the CET1 ratio increasing by 60 basis points from last year to 12.76%, surpassing the 12.5% threshold for the first time. Efforts to optimize funding and asset rebalancing resulted in stable interest income, while noninterest income rose, driven by capital market activities. The net operating revenue grew by 2.3% year-on-year, reaching KRW 5,400.1 billion, despite market challenges. The group also focused on expanding its business portfolio, including the acquisition of Tongyang Life and ABL Life, and enhancing its securities arm's competitiveness. For the remainder of 2025, the group aims to maintain a CET1 ratio over 12.5% and possibly reach 13%, supported by an expected stabilization of credit costs and strategic efforts to improve operational efficiency and capital management.

Steady Net Operating Revenue Growth

Despite a challenging business environment, Woori Financial Group's net operating revenue for the first half of 2025 was KRW 5,400.1 billion, up by 2.3% year-on-year, showing the group's ability to maintain steady growth.

Significant Improvement in CET1 Ratio

The group's CET1 ratio reached 12.76% as of June 2025, showing an increase of approximately 60 basis points from the end of last year, and exceeding 12.5% for the first time in the group's history.

Diversification and Expansion of Business Portfolio

Woori Financial Group included Tongyang Life and ABL Life as affiliates, enhancing their comprehensive financial services lineup and aiming to maximize synergies across the group.

Increase in Noninterest Income

Noninterest income rose sharply by approximately 47% from the previous quarter, reaching KRW 527.3 million, driven by core fee income growth in the Wealth Management segment.

MTS Platform Launch and Brokerage Expansion

Launched a new MTS platform and received final approval for investment trading business, strengthening competitiveness in the securities arm.

Woori Finance Holdings Co (WF) Earnings, Revenues Date & History

The upcoming earnings date is based on a company’s previous reporting, and may be updated when the actual date is announced

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WF Earnings History

Report Date	Fiscal Quarter	Forecast / EPS	Last Year's EPS	EPS YoY Change	Slides	Play Transcript
Oct 23, 2025	2025 (Q3)	2.58 / -	2.538	―	―	―
Jul 25, 2025	2025 (Q2)	2.58 / 2.74	2.839	-3.35% (-0.09)	―	―
Apr 25, 2025	2025 (Q1)	1.93 / 1.79	2.416	-26.08% (-0.63)	―	―
Feb 07, 2025	2024 (Q4)	1.15 / 1.20	0.231	417.32% (+0.96)	―	―
Oct 25, 2024	2024 (Q3)	2.38 / 2.54	2.777	-8.61% (-0.24)	―	―
Jul 25, 2024	2024 (Q2)	2.44 / 2.84	1.893	49.97% (+0.95)	―	―
Apr 26, 2024	2024 (Q1)	2.25 / 2.42	2.825	-14.48% (-0.41)	―	―
Feb 06, 2024	2023 (Q4)	0.75 / 0.23	1.728	-86.63% (-1.50)	―	―
Oct 26, 2023	2023 (Q3)	2.31 / 2.78	2.962	-6.25% (-0.19)	―	―
Jul 27, 2023	2023 (Q2)	2.50 / 1.89	2.682	-29.42% (-0.79)	―	―

The table shows recent earnings report dates and whether the forecast was beat or missed. See the change in forecast and EPS from the previous year.

Beat

Missed

WF Earnings-Related Price Changes

Report Date	Price 1 Day Before	Price 1 Day After	Percentage Change
Jul 25, 2025	$55.20	$54.73	-0.85%
Apr 25, 2025	$36.61	$35.86	-2.05%
Feb 07, 2025	$32.47	$32.32	-0.46%
Oct 25, 2024	$36.22	$36.79	+1.57%

Earnings announcements can affect a stock’s price. This table shows the stock's price the day before and the day after recent earnings reports, including the percentage change.

FAQ

When does Woori Finance Holdings Co (WF) report earnings?

Woori Finance Holdings Co (WF) is schdueled to report earning on Oct 23, 2025, TBA (Confirmed).

What is Woori Finance Holdings Co (WF) earnings time?

Woori Finance Holdings Co (WF) earnings time is at Oct 23, 2025, TBA (Confirmed).

Where can I see when companies are reporting earnings?

You can see which companies are reporting today on our designated earnings calendar.

What companies are reporting earnings today?

You can see a list of the companies which are reporting today on TipRanks earnings calendar.

What is WF EPS forecast?

WF EPS forecast for the fiscal quarter 2025 (Q3) is 2.58.

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