WF
Woori Financial Group Inc.
Banks - Regional
Market Cap$16.75B
5Y Perf.+211.4%
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Stock Comparison
WF vs V
Revenue, margins, valuation, and 5-year total return — side by side.
V
Visa Inc.
Financial - Credit Services
Market Cap$611.60B
5Y Perf.+63.3%
WF vs V — Key Financials
Market cap, revenue, margins, and valuation side-by-side.
| Company Snapshot | WF | V |
|---|---|---|
| Industry | Banks - Regional | Financial - Credit Services |
| Market Cap | $16.75B | $611.60B |
| Revenue (TTM) | $28.18T | $40.00B |
| Net Income (TTM) | $3.12T | $22.24B |
| Gross Margin | 48.8% | 80.4% |
| Operating Margin | 14.7% | 60.0% |
| Forward P/E | 0.0x | 24.4x |
| Total Debt | $94.51T | $25.17B |
| Cash & Equiv. | $26.36T | $20.15B |
WF vs V — Long-Term Stock Performance
Price return indexed to 100 at period start. Dividends excluded.
WF
V
| Stock | May 20 | May 26 | Return |
|---|---|---|---|
| Woori Financial Gro… (WF) | 100 | 311.4 | +211.4% |
| Visa Inc. (V) | 100 | 163.3 | +63.3% |
Price return only. Dividends and distributions are not included.
Quick Verdict: WF vs V
Each card shows where this stock fits in a portfolio — not just who wins on paper.
Bottom line: V leads in 4 of 7 categories, making it the strongest pick for growth and revenue expansion and profitability and margin quality. Woori Financial Group Inc. is the stronger pick specifically for valuation and capital efficiency and dividend income and shareholder returns. As sector peers, any of these can serve as alternatives in the same allocation.
WF
Woori Financial Group Inc.
The Banking Pick
WF is the clearest fit if your priority is valuation efficiency.
- PEG 0.00 vs V's 1.54
- Lower P/E (0.0x vs 24.4x), PEG 0.00 vs 1.54
- 3.7% yield, 1-year raise streak, vs V's 0.7%
Best for: valuation efficiency
V
Visa Inc.
The Banking Pick
V carries the broadest edge in this set and is the clearest fit for income & stability and growth exposure.
- Dividend streak 15 yrs, beta 0.68, yield 0.7%
- Rev growth 11.3%, EPS growth 4.8%
- 328.6% 10Y total return vs WF's 223.4%
Best for: income & stability and growth exposure
See the full category breakdown
| Category | Winner | Why |
|---|---|---|
| Growth | V | 11.3% NII/revenue growth vs WF's 9.4% |
| Value | WF | Lower P/E (0.0x vs 24.4x), PEG 0.00 vs 1.54 |
| Quality / Margins | V | Efficiency ratio 0.2% vs WF's 0.3% (lower = leaner) |
| Stability / Safety | V | Beta 0.68 vs WF's 0.97, lower leverage |
| Dividends | WF | 3.7% yield, 1-year raise streak, vs V's 0.7% |
| Momentum (1Y) | WF | +87.1% vs V's -7.6% |
| Efficiency (ROA) | V | Efficiency ratio 0.2% vs WF's 0.3% |
WF vs V — Revenue Breakdown by Segment
How each company's revenue is distributed across its business units
Segment breakdown not available.
FY 2025
WF vs V — Financial Metrics
Side-by-side numbers across 2 stocks — who leads on profitability, valuation, growth, and risk.
BEST OVERALLVLAGGINGWF
WFWoori Financial Group…
2leads
VVisa Inc.
3leads
6 Total Categories
CATEGORYLEADERvs WFMETRICS WON
Income & Cash FlowRevenue, margins, and cash flow strength
V5/5
Valuation MetricsMultiples, price ratios, and targets
WF7/7
Profitability & EfficiencyROE, ROIC, leverage, and quality scores
V8/9
Total Returns1Y, 3Y, 5Y total returns with dividends
WF5/6
Risk & VolatilityBeta, volatility, and downside exposure
V2/2
Analyst OutlookRatings, price targets, and dividends
Tied
—
Income & Cash Flow (Last 12 Months)
V leads this category, winning 5 of 5 comparable metrics.
Income & Cash Flow (Last 12 Months)
WF is the larger business by revenue, generating $28.18T annually — 704.5x V's $40.0B. V is the more profitable business, keeping 50.1% of every revenue dollar as net income compared to WF's 11.7%.
| Metric | WFWoori Financial G… | VVisa Inc. |
|---|---|---|
| RevenueTrailing 12 months | $28.18T | $40.0B |
| EBITDAEarnings before interest/tax | $4.93T | $27.6B |
| Net IncomeAfter-tax profit | $3.12T | $22.2B |
| Free Cash FlowCash after capex | -$775.1B | $21.2B |
| Gross MarginGross profit ÷ Revenue | +48.8% | +80.4% |
| Operating MarginEBIT ÷ Revenue | +14.7% | +60.0% |
| Net MarginNet income ÷ Revenue | +11.7% | +50.1% |
| FCF MarginFCF ÷ Revenue | +23.8% | +53.9% |
| Rev. Growth (YoY)Latest quarter vs prior year | — | — |
| EPS Growth (YoY)Latest quarter vs prior year | -23.7% | +35.3% |
V leads this category, winning 5 of 5 comparable metrics.
Valuation Metrics
WF leads this category, winning 7 of 7 comparable metrics.
Valuation Metrics
At 7.7x trailing earnings, WF trades at a 75% valuation discount to V's 31.3x P/E. Adjusting for growth (PEG ratio), WF offers better value at 0.38x vs V's 1.97x — a lower PEG means you pay less per unit of expected earnings growth.
| Metric | WFWoori Financial G… | VVisa Inc. |
|---|---|---|
| Market CapShares × price | $16.8B | $611.6B |
| Enterprise ValueMkt cap + debt − cash | $63.6B | $616.6B |
| Trailing P/EPrice ÷ TTM EPS | 7.69x | 31.25x |
| Forward P/EPrice ÷ next-FY EPS est. | 0.01x | 24.40x |
| PEG RatioP/E ÷ EPS growth rate | 0.38x | 1.97x |
| EV / EBITDAEnterprise value multiple | 17.76x | 24.46x |
| Price / SalesMarket cap ÷ Revenue | 0.87x | 15.29x |
| Price / BookPrice ÷ Book value/share | 0.74x | 16.53x |
| Price / FCFMarket cap ÷ FCF | 3.64x | 28.35x |
WF leads this category, winning 7 of 7 comparable metrics.
Profitability & Efficiency
V leads this category, winning 8 of 9 comparable metrics.
Profitability & Efficiency
V delivers a 58.9% return on equity — every $100 of shareholder capital generates $59 in annual profit, vs $9 for WF. V carries lower financial leverage with a 0.66x debt-to-equity ratio, signaling a more conservative balance sheet compared to WF's 2.77x. On the Piotroski fundamental quality scale (0–9), WF scores 6/9 vs V's 5/9, reflecting solid financial health.
| Metric | WFWoori Financial G… | VVisa Inc. |
|---|---|---|
| ROE (TTM)Return on equity | +8.8% | +58.9% |
| ROA (TTM)Return on assets | +0.6% | +22.7% |
| ROICReturn on invested capital | +2.5% | +29.2% |
| ROCEReturn on capital employed | +1.2% | +36.2% |
| Piotroski ScoreFundamental quality 0–9 | 6 | 5 |
| Debt / EquityFinancial leverage | 2.77x | 0.66x |
| Net DebtTotal debt minus cash | $68.16T | $5.0B |
| Cash & Equiv.Liquid assets | $26.36T | $20.2B |
| Total DebtShort + long-term debt | $94.51T | $25.2B |
| Interest CoverageEBIT ÷ Interest expense | 0.29x | 26.72x |
V leads this category, winning 8 of 9 comparable metrics.
Total Returns (Dividends Reinvested)
WF leads this category, winning 5 of 6 comparable metrics.
Total Returns (Dividends Reinvested)
A $10,000 investment in WF five years ago would be worth $26,484 today (with dividends reinvested), compared to $14,202 for V. Over the past 12 months, WF leads with a +87.1% total return vs V's -7.6%. The 3-year compound annual growth rate (CAGR) favors WF at 40.9% vs V's 11.9% — a key indicator of consistent wealth creation.
| Metric | WFWoori Financial G… | VVisa Inc. |
|---|---|---|
| YTD ReturnYear-to-date | +18.7% | -7.8% |
| 1-Year ReturnPast 12 months | +87.1% | -7.6% |
| 3-Year ReturnCumulative with dividends | +179.7% | +40.2% |
| 5-Year ReturnCumulative with dividends | +164.8% | +42.0% |
| 10-Year ReturnCumulative with dividends | +223.4% | +328.6% |
| CAGR (3Y)Annualised 3-year return | +40.9% | +11.9% |
WF leads this category, winning 5 of 6 comparable metrics.
Risk & Volatility
V leads this category, winning 2 of 2 comparable metrics.
Risk & Volatility
V is the less volatile stock with a 0.68 beta — it tends to amplify market swings less than WF's 0.97 beta. A beta below 1.0 means the stock typically moves less than the S&P 500. V currently trades 84.9% from its 52-week high vs WF's 81.2% drawdown — a narrower gap to the peak suggests stronger recent price momentum.
| Metric | WFWoori Financial G… | VVisa Inc. |
|---|---|---|
| Beta (5Y)Sensitivity to S&P 500 | 0.97x | 0.68x |
| 52-Week HighHighest price in past year | $84.71 | $375.51 |
| 52-Week LowLowest price in past year | $37.35 | $293.89 |
| % of 52W HighCurrent price vs 52-week peak | +81.2% | +84.9% |
| RSI (14)Momentum oscillator 0–100 | 51.8 | 56.8 |
| Avg Volume (50D)Average daily shares traded | 119K | 7.0M |
V leads this category, winning 2 of 2 comparable metrics.
Analyst Outlook
Evenly matched — WF and V each lead in 1 of 2 comparable metrics.
Analyst Outlook
Wall Street rates WF as "Buy" and V as "Buy". For income investors, WF offers the higher dividend yield at 3.72% vs V's 0.74%.
| Metric | WFWoori Financial G… | VVisa Inc. |
|---|---|---|
| Analyst RatingConsensus buy/hold/sell | Buy | Buy |
| Price TargetConsensus 12-month target | — | $362.45 |
| # AnalystsCovering analysts | 2 | 61 |
| Dividend YieldAnnual dividend ÷ price | +3.7% | +0.7% |
| Dividend StreakConsecutive years of raises | 1 | 15 |
| Dividend / ShareAnnual DPS | $3718.88 | $2.36 |
| Buyback YieldShare repurchases ÷ mkt cap | +0.6% | +2.2% |
Evenly matched — WF and V each lead in 1 of 2 comparable metrics.
Key Takeaway
V leads in 3 of 6 categories (Income & Cash Flow, Profitability & Efficiency). WF leads in 2 (Valuation Metrics, Total Returns). 1 tied.
Best OverallVisa Inc. (V)Leads 3 of 6 categories
Loading custom metrics...
WF vs V: Frequently Asked Questions
10 questions · data-driven answers · updated daily
01Is WF or V a better buy right now?
For growth investors, Visa Inc.
(V) is the stronger pick with 11. 3% revenue growth year-over-year, versus 9. 4% for Woori Financial Group Inc. (WF). Woori Financial Group Inc. (WF) offers the better valuation at 7. 7x trailing P/E (0. 0x forward), making it the more compelling value choice. Analysts rate Woori Financial Group Inc. (WF) a "Buy" — based on 2 analyst ratings — the highest consensus in this comparison. The "better buy" depends entirely on your goals: growth investors should weight revenue trajectory, value investors should weight P/E and PEG, and income investors should weight dividend yield and streak.
02Which has the better valuation — WF or V?
On trailing P/E, Woori Financial Group Inc.
(WF) is the cheapest at 7. 7x versus Visa Inc. at 31. 3x. On forward P/E, Woori Financial Group Inc. is actually cheaper at 0. 0x. The PEG ratio (P/E divided by earnings growth rate) is the most growth-adjusted single valuation metric: Woori Financial Group Inc. wins at 0. 00x versus Visa Inc. 's 1. 54x — a PEG below 1. 0 traditionally signals the market is underpricing earnings growth.
03Which is the better long-term investment — WF or V?
Over the past 5 years, Woori Financial Group Inc.
(WF) delivered a total return of +164. 8%, compared to +42. 0% for Visa Inc. (V). Over 10 years, the gap is even starker: V returned +328. 6% versus WF's +223. 4%. Past returns do not guarantee future results, and the stock with the higher historical return may already have its best growth priced in.
04Which is safer — WF or V?
By beta (market sensitivity over 5 years), Visa Inc.
(V) is the lower-risk stock at 0. 68β versus Woori Financial Group Inc. 's 0. 97β — meaning WF is approximately 43% more volatile than V relative to the S&P 500. On balance sheet safety, Visa Inc. (V) carries a lower debt/equity ratio of 66% versus 3% for Woori Financial Group Inc. — giving it more financial flexibility in a downturn.
05Which is growing faster — WF or V?
By revenue growth (latest reported year), Visa Inc.
(V) is pulling ahead at 11. 3% versus 9. 4% for Woori Financial Group Inc. (WF). On earnings-per-share growth, the picture is similar: Woori Financial Group Inc. grew EPS 9. 8% year-over-year, compared to 4. 8% for Visa Inc.. Higher growth typically commands a higher valuation multiple — check whether the premium P/E or P/S is justified by the growth rate using the PEG ratio.
06Which has better profit margins — WF or V?
Visa Inc.
(V) is the more profitable company, earning 50. 1% net margin versus 11. 7% for Woori Financial Group Inc. — meaning it keeps 50. 1% of every revenue dollar as bottom-line profit. Operating margin tells a similar story: V leads at 60. 0% versus 14. 7% for WF. At the gross margin level — before operating expenses — V leads at 80. 4%, reflecting greater pricing power or product mix advantage. Stronger margins indicate durable pricing power, lower cost of revenue, or higher mix of software/services. They are one of the clearest signs of business quality.
07Is WF or V more undervalued right now?
The PEG ratio (forward P/E divided by expected earnings growth rate) is the most precise measure of undervaluation relative to growth potential.
By this metric, Woori Financial Group Inc. (WF) is the more undervalued stock at a PEG of 0. 00x versus Visa Inc. 's 1. 54x. A PEG below 1. 0 is traditionally considered the threshold for growth-adjusted undervaluation. On forward earnings alone, Woori Financial Group Inc. (WF) trades at 0. 0x forward P/E versus 24. 4x for Visa Inc. — 24. 4x cheaper on a one-year earnings basis.
08Which pays a better dividend — WF or V?
All stocks in this comparison pay dividends.
Woori Financial Group Inc. (WF) offers the highest yield at 3. 7%, versus 0. 7% for Visa Inc. (V).
09Is WF or V better for a retirement portfolio?
For long-horizon retirement investors, Visa Inc.
(V) is the stronger choice — it scores higher on the combination of lower volatility, dividend reliability, and long-term compounding (low volatility (β 0. 68), 0. 7% yield, +328. 6% 10Y return). Both have compounded well over 10 years (V: +328. 6%, WF: +223. 4%), confirming both are viable long-term holds — but the lower-volatility option typically results in less emotional selling during corrections. Retirement portfolios generally favour predictability over maximum returns. Consult a financial advisor before making allocation decisions.
10What are the main differences between WF and V?
Both stocks operate in the Financial Services sector, making this a peer-level intra-sector comparison — the same macro tailwinds and headwinds will affect both.
In terms of investment character: WF is a mid-cap deep-value stock; V is a large-cap quality compounder stock. These fundamental differences mean investors should not choose between them on a single metric — the "better stock" depends entirely on which of these characteristics aligns with your investment strategy.
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Revenue Growth>
%
(WF: 9.4% · V: 11.3%)Net Margin>
%
(WF: 11.7% · V: 50.1%)P/E Ratio<
x
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