Woori Finance Holdings Co (WF) AI Stock Analysis

• Market Cap: $12.97B
• Dividend Yield: 3.34%
• Average Volume (3M): 49.59K
• Price to Earnings (P/E): 6.1
• Beta (1Y): 0.83
• Revenue Growth: -2.90%
• EPS Growth: 16.10%
• Country: US
• Employees: 77
• Sector: Financial
• Sector Strength: 70
• Industry: Banks - Regional
• EPS (TTM): 3.52
• Shares Outstanding: 244,692,110
• 10 Day Avg. Volume: 58,466
• 30 Day Avg. Volume: 49,587
• PEG Ratio: 0.17
• Price to Book (P/B): 0.33
• Price to Sales (P/S): 0.44
• P/FCF Ratio: -1.74
• Enterprise Value/Market Cap: 4.87
• Enterprise Value/Revenue: <0.01
• Enterprise Value/Gross Profit: <0.01
• Enterprise Value/Ebitda: 0.02
• 1Y Price Target: $72.26
• Price Target Upside: 32.13% Upside
• Rating Consensus: Moderate Buy
• Number of Analyst Covering: 1
• EPS Forecast (FY): 9.3
• Revenue Forecast (FY): $7.61B

• Rating: 63 Neutral
• Price Target: $57.00 ▲(4.22% Upside)

Woori Finance Holdings Co's overall stock score is driven by strong earnings call performance and attractive valuation, despite challenges in financial performance and technical indicators. The company's robust revenue growth and strategic acquisitions support a positive outlook, but high leverage and weak cash flow management pose risks.

Positive Factors

Revenue Growth

The robust revenue growth rate indicates effective market strategies and product offerings, supporting long-term business expansion and competitiveness.

Improved Net Interest Margin

Consistent improvement in NIM reflects effective asset rebalancing and funding optimization, enhancing profitability and financial stability.

Successful Acquisition

The strategic acquisition enhances product offerings and market reach, potentially increasing revenue streams and competitive positioning.

Negative Factors

High Leverage

High leverage can increase financial risk, especially in a rising interest rate environment, potentially affecting long-term financial stability.

Declining Cash Flow

Declining cash flow indicates potential liquidity challenges, which could impact the company's ability to fund operations and growth initiatives.

Increased SG&A Expenses

Rising SG&A expenses can pressure profit margins, indicating potential inefficiencies that may hinder long-term profitability.

Woori Finance Holdings Co Business Overview & Revenue Model

Company Description

Woori Financial Group Inc., together with its subsidiaries, operates as a commercial bank that provides a range of financial services to individual, business, and institutional customers in Korea. It operates through Banking, Credit Card, Capital, Investment Banking, and Others segments. The company offers savings, demand, and installment deposits; time deposits and certificates of deposit; and working capital, facilities, general purpose household, mortgage, and home equity loans. It also offers debit and credit cards, cash services, card loans, and related services; lease financing; and securities operation, sale of financial instruments, project financing, and other related activities. In addition, the company provides credit purchase, cash advance, credit card loans, foreign exchange services and dealing, import and export-related services, offshore lending, syndicated loans and foreign currency securities investment, investment trust products, bancassurance, and private equity funds. Further, it is involved in the real estate, system software development and maintenance, financing, credit information, securities investment and trading, derivatives trading, asset securitization, investment and international banking, money transfer, and other service. The company also offers automated telephone, Internet, and mobile banking services. In addition, it offers trust management, trustee and custodian service, and repurchase instrument. As of December 31, 2021, it served customers through a network of 768 branches and 4,296 ATMs. The company was founded in 1899 and is headquartered in Seoul, South Korea.

How the Company Makes Money

Woori Finance Holdings generates revenue primarily through interest income from loans and advances made by its banking operations, particularly through Woori Bank. The company earns fees and commissions from its various financial services, including asset management, investment banking, and credit card operations. Additionally, revenue is derived from trading and investment activities, as well as advisory services provided to corporate clients. Strategic partnerships with other financial institutions and participation in capital markets further enhance its earnings. The company benefits from the growing demand for financial products in both domestic and international markets, contributing to its overall profitability.

Woori Finance Holdings Co Financial Statement Overview

Summary

Woori Finance Holdings Co shows strong revenue growth but faces challenges in profitability and cash flow management. The high leverage and declining cash flow metrics suggest potential financial risks, although the company maintains a stable return on equity.

Income Statement

Woori Finance Holdings Co shows a strong revenue growth rate of 14.92% in the TTM, indicating robust top-line expansion. However, the net profit margin has decreased to 9.51% from 11.98% in the previous year, suggesting some pressure on profitability. The gross profit margin remains healthy at 60.59%, but the EBIT and EBITDA margins have declined significantly, indicating increased operational costs or inefficiencies.

Balance Sheet

The company maintains a high debt-to-equity ratio of 2.43, reflecting significant leverage, which could pose risks in a rising interest rate environment. Return on equity is stable at 9.19%, showing consistent profitability relative to shareholder investments. The equity ratio is relatively low, indicating a higher reliance on debt financing.

Cash Flow

Woori Finance Holdings Co has experienced a negative free cash flow growth rate of -39.98% in the TTM, highlighting potential liquidity challenges. The operating cash flow to net income ratio is zero, indicating that operating cash flows are not covering net income, which could be a concern for sustaining operations without external financing.

Breakdown	TTM	Dec 2024	Dec 2023	Dec 2022	Dec 2021	Dec 2020
Income Statement
Total Revenue	21.27T	25.75T	9.50T	17.39T	12.51T	6.87T
Gross Profit	10.64T	10.91T	9.50T	10.55T	9.07T	6.87T
EBITDA	3.92T	5.39T	4.40T	5.48T	4.48T	2.54T
Net Income	3.22T	3.09T	2.51T	3.19T	2.54T	1.31T
Balance Sheet
Total Assets	10.00T>	10.00T>	10.00T>	10.00T>	10.00T>	10.00T>
Cash, Cash Equivalents and Short-Term Investments	0.00	71.08T	68.45T	67.30T	46.69T	40.02T
Total Debt	79.90T	83.82T	76.36T	73.39T	69.96T	58.28T
Total Liabilities	10.00T>	10.00T>	10.00T>	10.00T>	10.00T>	10.00T>
Stockholders Equity	35.36T	34.10T	31.67T	28.76T	25.84T	23.05T
Cash Flow
Free Cash Flow	7.70T	-6.54T	1.23T	18.28T	-2.06T	3.34T
Operating Cash Flow	7.99T	-6.13T	1.62T	18.62T	-1.80T	3.61T
Investing Cash Flow	-4.62T	-34.30B	-2.25T	-6.97T	-10.67T	-1.46T
Financing Cash Flow	-8.58T	1.25T	-2.86T	1.92T	9.08T	2.37T

Woori Finance Holdings Co Technical Analysis

• Technical Analysis Sentiment: Positive
• Last Price: 54.69
• 50DMA: Negative
• 100DMA: Negative
• 200DMA: Positive
• MACD: Positive
• RSI: Neutral
• STOCH: Neutral

Evaluating momentum and price trends is crucial in stock analysis to make informed investment decisions. For WF, the sentiment is Positive. The current price of 54.69 is above the 20-day moving average (MA) of 54.41, below the 50-day MA of 55.05, and above the 200-day MA of 46.55, indicating a neutral trend. The MACD of -0.22 indicates Positive momentum. The RSI at 51.41 is Neutral, neither overbought nor oversold. The STOCH value of 74.72 is Neutral, not indicating any strong overbought or oversold conditions. Overall, these indicators collectively point to a Positive sentiment for WF.

Woori Finance Holdings Co Peers Comparison

Name	Overall Rating	Market Cap	P/E Ratio	ROE	Dividend Yield	Revenue Growth	EPS Growth
CIB	79 Outperform	$15.78B	16.04	17.06%	10.44%	-6.79%	16.13%
BCH	71 Outperform	$19.05B	14.76	21.29%	5.63%	-11.64%	-8.75%
SHG	70 Outperform	$25.27B	8.06	8.58%	2.91%	-4.88%	4.84%
BSAC	69 Neutral	$13.55B	12.10	24.13%	4.44%	12.43%	56.30%
Sector *	68 Neutral	$18.00B	11.42	9.92%	3.81%	9.73%	1.22%
BSBR	66 Neutral	$24.04B	22.92	9.34%	4.74%	1.13%	-11.93%
WF	63 Neutral	$12.97B	6.12	9.61%	3.34%	-2.90%	16.10%

Woori Finance Holdings Co Corporate Events

Woori Financial Group Reports Q3 2025 Financial Results

Woori Financial Group Inc. reported its financial results for the third quarter of 2025, showing a decrease in operating income to KRW 2,966 billion from KRW 4,255 billion in the previous year. Despite the decline in operating income, the company achieved a net income of KRW 2,886 billion, slightly down from KRW 3,171 billion in 2024. The financial report highlights the company’s ability to maintain profitability amidst challenging market conditions, reflecting its resilience and strategic financial management.

Woori Financial Group Reports Q3 2025 Financial Results

Woori Financial Group reported its preliminary financial results for the third quarter of 2025, showing a significant decrease in revenue compared to the previous quarter, with a 41.04% drop, but a 7.53% increase compared to the same quarter last year. Despite the revenue decline, the net income for the quarter increased by 37.48% year-over-year, reflecting improved profitability. Woori Bank, a subsidiary of Woori Financial Group, also reported a decrease in revenue by 58.69% from the previous quarter and 19.75% from the same quarter last year. However, the bank’s net income showed a decrease of 19.71% compared to the previous quarter, indicating challenges in maintaining profitability amidst declining revenues.

Woori Financial Group Announces Cash Dividend for Q4 2025

On October 24, 2025, Woori Financial Group’s board of directors approved a resolution for a cash dividend of KRW 200 per common share, with a record date set for November 10, 2025. This decision reflects the company’s commitment to providing returns to its shareholders and enhancing dividend predictability. The total dividend payout amounts to KRW 146.8 billion, which is based on the company’s outstanding common shares. This move is likely to impact investor confidence positively and could influence the company’s market positioning by demonstrating financial stability and shareholder value focus.

Woori Financial Group Schedules Q3 2025 Earnings Conference

Woori Financial Group Inc. announced that it will hold its 2025 Third Quarter Earnings Release Conference on October 29, 2025. The event will be accessible via a live audio webcast and conference call, providing an opportunity for stakeholders to engage with the company’s financial performance and strategic direction. This announcement underscores Woori Financial Group’s commitment to transparency and stakeholder engagement, potentially impacting its market positioning and investor relations.

Woori Financial Group Ends Treasury Shares Acquisition Agreement

Woori Financial Group Inc., a prominent player in the financial services industry, announced the termination of a trust agreement initially established on February 11, 2025, to acquire treasury shares. This agreement, which expired on September 11, 2025, involved a total contract amount of KRW 150 billion and was conducted with KIWOOM Securities Co., Ltd. The termination results in the return of cash and treasury shares to Woori Financial Group, with the shares expected to be cancelled shortly thereafter, potentially impacting the company’s financial structure and shareholder value.

Woori Financial Group to Cancel Treasury Shares on September 19, 2025

On September 11, 2025, Woori Financial Group Inc. announced an update regarding its board of directors’ resolution to cancel certain treasury shares. The company plans to retire 8,515,181 common stock shares, with an estimated cancellation value of KRW 149,999,949,975. The scheduled date for this cancellation is September 19, 2025, although it may change following discussions with related agencies. This move is part of Woori Financial Group’s strategy to manage its capital structure, which could impact its market positioning and shareholder value.