Woori Finance Holdings Co (WF) AI Stock Analysis

• Market Cap: $13.15B
• Dividend Yield: 3.37%
• Average Volume (3M): 48.58K
• Price to Earnings (P/E): 6.8
• Beta (1Y): 0.89
• Revenue Growth: -3.55%
• EPS Growth: 1.59%
• Country: US
• Employees: 77
• Sector: Financial
• Sector Strength: 70
• Industry: Banks - Regional
• EPS (TTM): 2.70
• Shares Outstanding: 244,692,110
• 10 Day Avg. Volume: 59,138
• 30 Day Avg. Volume: 48,578
• PEG Ratio: N/A
• Price to Book (P/B): N/A
• Price to Sales (P/S): N/A
• P/FCF Ratio: N/A
• Enterprise Value/Market Cap: 4.69
• Enterprise Value/Revenue: <0.01
• Enterprise Value/Gross Profit: <0.01
• Enterprise Value/Ebitda: 0.01
• 1Y Price Target: $72.26
• Price Target Upside: 33.27% Upside
• Rating Consensus: Moderate Buy
• Number of Analyst Covering: 1

• Rating: 66 Neutral
• Price Target: $57.00 ▲(5.13% Upside)

Woori Finance Holdings Co's overall score reflects strong technical indicators and attractive valuation, offset by financial performance challenges and mixed earnings call results. The company's strategic initiatives and capital improvements provide a positive outlook, but profitability and cash flow concerns remain significant risks.

Positive Factors

Capital Ratio Improvement

The improvement in the CET1 ratio enhances financial stability and resilience, providing a buffer against economic downturns and supporting future growth initiatives.

Acquisition of Insurance Subsidiaries

The acquisition of insurance subsidiaries diversifies revenue streams and strengthens Woori's position as a comprehensive financial services provider, potentially increasing cross-selling opportunities.

Launch of MTS Platform

The new MTS platform enhances digital capabilities, improving customer engagement and potentially increasing market share in the competitive securities sector.

Negative Factors

High Leverage

High leverage can increase financial risk, particularly in a rising interest rate environment, potentially impacting the company's ability to invest in growth opportunities.

Negative Free Cash Flow Growth

Declining cash flow may limit operational flexibility and necessitate external financing, which could affect long-term financial health and strategic initiatives.

Decreased Profitability

Decreased profitability indicates pressure on margins, which could affect the company's ability to reinvest in business operations and maintain competitive positioning.

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 its banking operations, which include interest income from loans and other financial products offered to customers. The company earns significant revenue from net interest margins, which is the difference between interest earned on loans and interest paid on deposits. Additionally, Woori Finance generates income from fees and commissions related to investment banking activities, asset management services, and wealth management. The company also benefits from partnerships with various financial institutions and enterprises, enhancing its service offerings and expanding its market reach. These revenue streams, combined with its focus on digital transformation and customer-centric strategies, contribute to the overall profitability of Woori Finance Holdings.

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	25.39T	25.75T	9.50T	10.02T	8.81T	6.87T
Gross Profit	10.96T	10.91T	9.50T	10.55T	9.07T	6.87T
EBITDA	5.10T	5.39T	4.40T	5.48T	4.48T	2.54T
Net Income	2.88T	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	69.50T	71.08T	68.45T	67.30T	46.69T	40.02T
Total Debt	85.51T	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	34.18T	34.10T	31.67T	28.76T	25.84T	23.05T
Cash Flow
Free Cash Flow	-8.57T	-6.54T	-13.72T	18.28T	-2.06T	3.34T
Operating Cash Flow	-8.25T	-6.13T	1.62T	18.62T	-1.80T	3.61T
Investing Cash Flow	2.91T	-34.30B	-2.25T	-6.97T	-10.67T	-1.46T
Financing Cash Flow	9.84T	1.25T	-2.86T	1.92T	9.08T	2.37T

Woori Finance Holdings Co Technical Analysis

• Technical Analysis Sentiment: Neutral
• Last Price: 54.22
• 50DMA: Negative
• 100DMA: Positive
• 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 Neutral. The current price of 54.22 is below the 20-day moving average (MA) of 55.71, below the 50-day MA of 55.10, and above the 200-day MA of 43.46, indicating a neutral trend. The MACD of -0.42 indicates Positive momentum. The RSI at 45.11 is Neutral, neither overbought nor oversold. The STOCH value of 44.29 is Neutral, not indicating any strong overbought or oversold conditions. Overall, these indicators collectively point to a Neutral 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	81 Outperform	$14.69B	16.13	16.25%	11.49%	-8.82%	4.87%
BCH	76 Outperform	$16.56B	12.89	22.07%	6.43%	-13.16%	-8.10%
BSBR	70 Outperform	$19.56B	19.17	9.43%	5.85%	-3.77%	-10.59%
BSAC	68 Neutral	$12.94B	11.69	24.13%	4.78%	12.43%	56.30%
Sector *	68 Neutral	$18.00B	11.42	9.92%	3.81%	9.73%	1.22%
WF	66 Neutral	$13.15B	6.84	8.90%	3.37%	-3.55%	1.59%
SHG	65 Neutral	$24.36B	8.00	8.58%	2.24%	-3.83%	4.06%

Woori Finance Holdings Co Corporate Events

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.

Woori Financial Group Reports Stable Financial Performance for 1H 2025

Woori Financial Group Inc. released its condensed consolidated interim financial statements for the first half of 2025, showing a stable financial position with total assets amounting to KRW 534,112,776 million as of June 30, 2025. The financial statements, prepared in accordance with Korean IFRS, indicate a slight increase in assets compared to December 31, 2024. The review by KPMG Samjong Accounting Corp. did not reveal any material misstatements, suggesting a sound financial health for the company, which could positively impact its stakeholders and market position.

Woori Financial Group Releases 2024 Sustainability Report

On July 31, 2025, Woori Financial Group Inc. released the English version of its 2024 Sustainability Report on its website. This report highlights the company’s ongoing commitment to sustainable practices and provides insights into its efforts to enhance environmental, social, and governance (ESG) initiatives. The release of this report underscores Woori Financial Group’s dedication to transparency and accountability, potentially strengthening its position in the financial industry and positively impacting stakeholders by aligning with global sustainability standards.

Woori Financial Group Reports Strong Q2 2025 Financial Results

Woori Financial Group reported its preliminary financial results for the second quarter of 2025, showing a significant increase in revenue and net income compared to the previous quarter and the same period last year. The group’s revenue for the specified quarter rose by 40.50% from the first quarter of 2025 and 24.65% from the second quarter of 2024, reaching 13,570,261 million KRW. Net income also saw a substantial increase of 43.45% from the previous quarter, totaling 938,987 million KRW. These results indicate a strong financial performance and improved profitability for the group, potentially enhancing its market position and stakeholder confidence.

Woori Financial Group Announces Cash Dividend for Q3 2025

On July 25, 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 August 10, 2025. This decision reflects the company’s commitment to providing predictable returns to investors, with a total dividend amounting to KRW 146.8 billion. The payout, scheduled for August 29, 2025, underscores Woori’s strategic focus on maintaining shareholder value and market stability.

Woori Financial Group to Host First Half 2025 Earnings Conference

Woori Financial Group Inc. announced that it will hold its 2025 First Half Earnings Release Conference on July 25, 2025. The event will be available via a live audio webcast and conference call, offering simultaneous interpretation in English. This announcement is significant as it provides stakeholders with insights into the company’s financial performance for the first half of 2025, potentially impacting investor perceptions and market positioning.