Woori Financial Group Inc. (WF) 10-Year Financial Performance & Capital Metrics

WF • • Banking & Credit

Financial ServicesRegional BanksInternational & Latin American BankingInternational Trade Banking

AboutWoori 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.Show more

Net Interest Income $8886.34B +1.6%
Total Revenue $25749.83B +171.1%
Net Income $3085.99B +23.1%
Return on Equity 8.91% +15.5%
Net Interest Margin 1.69% -3.7%
Efficiency Ratio 25.98% -41.4%
ROA 0.6% +17.7%
Equity / Assets 6.83% +1.8%
Book Value per Share 145271.45 +6.6%
Tangible BV/Share 137701.82 +6.8%
Debt/Equity 2.34 +2.1%

Technical Analysis

Key Insights

Based on financial data analysis

✓Strengths

✓Efficient operations: 26.0% efficiency ratio
✓Trading near 52-week high
✓Trading at only 0.0x book value

✗Weaknesses

✗High debt to equity ratio of 2.3x
✗Weak Piotroski F-Score: 3/9
✗Weak NIM of 1.7%

Price & Volume

Loading chart...

Growth Metrics

Revenue CAGR

10Y-

5Y15.69%

3Y27.22%

TTM-

Profit (Net Income) CAGR

10Y-

5Y10.51%

3Y6.67%

TTM18.11%

EPS CAGR

10Y-

5Y7.7%

3Y4.29%

TTM20.48%

ROCE

10Y Avg1.72%

5Y Avg1.61%

3Y Avg1.97%

Latest3.14%

Peer Comparison

International Trade Banking

Name	Market Cap	Current Price	P/E Ratio	Revenue Growth 1Y	Net Margin	ROE	FCF Yield	Debt/Equity
CATYCathay General Bancorp	3.46B	50.81	12.86	6.11%	20.56%	10.5%	9.42%	0.08
IBOCInternational Bancshares Corporation	4.39B	70.69	10.76	7.5%	39.23%	13.44%	10.46%	0.23
BLXBanco Latinoamericano de Comercio Exterior, S. A.	1.29B	44.99	8.03	18.61%	25.4%	15.57%		3.43
HDBHDFC Bank Limited	166.72B	32.51	0.23	19.15%	16.06%	12.21%	100%	0.86
IBNICICI Bank Limited	110.22B	30.82	0.22	25.19%	17.32%	15.31%		0.62
MFGMizuho Financial Group, Inc.	104.86B	8.49	0.12	9.47%	10.3%	9.11%		5.79
KBKB Financial Group Inc.	31.94B	89.08	0.01	3.73%	13.45%	9.46%	100%	2.35
SHGShinhan Financial Group Co., Ltd.	26.05B	54.10	0.01	4.66%	12.58%	8.03%	100%	2.55

Profit & Loss

	Dec 2015	Dec 2016	Dec 2017	Dec 2018	Dec 2019	Dec 2020	Dec 2021	Dec 2022	Dec 2023	Dec 2024
Net Interest Income+	0	5.02T	5.22T	5.65T	5.89T	6T	6.99T	8.7T	8.74T	8.89T
NII Growth %	-	-	0.04%	0.08%	0.04%	0.02%	0.16%	0.24%	0.01%	0.02%
Net Interest Margin %	-	-	-	-	-	-	-	-	-	-
Interest Income	0	8.51T	8.55T	9.68T	10.58T	9.52T	9.89T	14.65T	20.64T	22.01T
Interest Expense	924.51B	3.49T	3.33T	4.03T	4.68T	3.53T	2.91T	5.96T	11.9T	13.13T
Loan Loss Provision	-924.51B	834.08B	785.13B	329.57B	372.36B	-3.53T	531.26B	882.95B	-11.9T	1.71T
Non-Interest Income+	11.07T	1.23T	2.02T	1.81T	1.85T	-2.66T	2.61T	2.73T	-11.14T	3.74T
Non-Interest Income %	-	-	-	-	-	-	-	-	-	-
Total Revenue+	11.07T	9.75T	10.57T	11.49T	12.43T	6.87T	12.51T	17.39T	9.5T	25.75T
Revenue Growth %	-	-0.12%	0.08%	0.09%	0.08%	-0.45%	0.82%	0.39%	-0.45%	1.71%
Non-Interest Expense	2.37T	3.87T	4.51T	4.32T	4.65T	3.8T	5.38T	6T	4.21T	6.69T
Efficiency Ratio	-	-	-	-	-	-	-	-	-	-
Operating Income+	1.28T	1.55T	1.95T	2.8T	2.72T	3.07T	3.69T	4.55T	5.29T	4.22T
Operating Margin %	-	-	-	-	-	-	-	-	-	-
Operating Income Growth %	-	0.22%	0.26%	0.44%	-0.03%	0.13%	0.2%	0.23%	0.16%	-0.2%
Pretax Income+	1.47T	1.55T	1.95T	2.8T	2.72T	2T	3.69T	4.55T	3.52T	4.22T
Pretax Margin %	-	-	-	-	-	-	-	-	-	-
Income Tax+	376.55B	275.86B	419.42B	753.22B	685.45B	486B	924.77B	1.18T	890.56B	1.05T
Effective Tax Rate %	-	-	-	-	-	-	-	-	-	-
Net Income+	875.84B	1.26T	1.51T	2.03T	1.87T	1.31T	2.54T	3.19T	2.51T	3.09T
Net Margin %	-	-	-	-	-	-	-	-	-	-
Net Income Growth %	-	0.44%	0.2%	0.34%	-0.08%	-0.3%	0.95%	0.25%	-0.21%	0.23%
Net Income (Continuing)	1.08T	1.28T	1.53T	2.05T	2.04T	1.52T	2.76T	3.37T	2.63T	3.17T
EPS (Diluted)+	3904.17	4652.19	5932.74	8967.75	8174.52	5226.66	10442.97	12573.27	9689.31	11847.09
EPS Growth %	-	0.19%	0.28%	0.51%	-0.09%	-0.36%	1%	0.2%	-0.23%	0.22%
EPS (Basic)	3904.17	4652.19	5932.74	9059.58	8174.52	5226.66	10442.97	12573.27	9689.31	11850.00
Diluted Shares Outstanding	224.33M	226.72M	226.72M	226.72M	228.5M	240.76M	241.47M	242.57M	245.13M	247.09M

Balance Sheet

	Dec 2015	Dec 2016	Dec 2017	Dec 2018	Dec 2019	Dec 2020	Dec 2021	Dec 2022	Dec 2023	Dec 2024
Cash & Short Term Investments+	-1000K	-1000K	1000K	1000K	1000K	1000K	1000K	1000K	1000K	1000K
Cash & Due from Banks	-12.42T	-15.95T	6.91T	6.75T	6.39T	9.99T	7.57T	34.22T	30.56T	27.28T
Short Term Investments	0	0	1000K	1000K	1000K	1000K	1000K	1000K	1000K	1000K
Total Investments+	826.99B	579.59B	273.55T	303.03T	329.12T	94.67T	110.6T	116.54T	437.16T	463.49T
Investments Growth %	-	-0.3%	470.97%	0.11%	0.09%	-0.71%	0.17%	0.05%	2.75%	0.06%
Long-Term Investments	826.99B	579.59B	258.2T	284.96T	301.39T	64.64T	71.48T	83.46T	399.27T	419.69T
Accounts Receivables	0	0	1000K	1000K	1000K	1000K	1000K	1000K	1000K	1000K
Goodwill & Intangibles+	-	-	-	-	-	-	-	-	-	-
Goodwill	103.53B	124.8B	108.71B	153.6B	350.68B	334.29B	345.45B	397.53B	445.09B	482.71B
Intangible Assets	419.81B	0	1.39T	1.43T	1.44T	1.39T	1.31T	1.25T	1.35T	1.39T
PP&E (Net)	2.47T	2.46T	2.48T	2.45T	3.36T	4.4T	4.96T	5.74T	6.48T	7.34T
Other Assets	258.56T	272.8T	17.24T	12.1T	9.28T	-46.09B	-31.13B	-109.3B	4.16T	11.23T
Total Current Assets	29.27T	34.49T	36.6T	39.29T	46.11T	45.36T	55.78T	75.93T	86.2T	85.55T
Total Non-Current Assets	262.59T	276.2T	279.7T	301.16T	315.87T	70.78T	78.1T	90.85T	411.8T	440.21T
Total Assets+	291.86T	310.68T	316.3T	340.45T	361.98T	399.08T	447.18T	480.47T	498T	525.75T
Asset Growth %	-	0.06%	0.02%	0.08%	0.06%	0.1%	0.12%	0.07%	0.04%	0.06%
Return on Assets (ROA)	0%	0%	0%	0.01%	0.01%	0%	0.01%	0.01%	0.01%	0.01%
Accounts Payable	3.21T	8.48T	4.69T	5.41T	6.13T	4.03T	7.03T	6T	10.19T	7.25T
Total Debt+	45.27T	45.91T	46.56T	49.66T	51.92T	58.28T	69.96T	73.39T	76.36T	83.82T
Net Debt	57.69T	61.86T	39.65T	42.91T	45.52T	48.29T	61.4T	33.37T	45.8T	56.54T
Long-Term Debt	42.52T	41.95T	45.92T	48.64T	50.8T	57.87T	68.62T	70.75T	74.75T	81.58T
Short-Term Debt	2.75T	3.96T	638.23B	1.02T	702.52B	0	991.15B	2.33T	1.28T	1.71T
Other Liabilities	206.22T	217.83T	4.1T	10T	7.92T	0	20.89T	23.71T	15.04T	25.38T
Total Current Liabilities	26.95T	33.73T	245.5T	259.63T	276.99T	4.03T	7.03T	6T	373.63T	381.1T
Total Non-Current Liabilities	248.93T	259.98T	50.23T	58.87T	59.49T	58.7T	90.32T	95.16T	90.98T	108.76T
Total Liabilities	275.88T	293.71T	295.73T	318.49T	336.49T	372.36T	418.33T	448.85T	464.61T	489.86T
Total Equity+	15.98T	16.97T	20.56T	21.95T	25.49T	26.73T	28.85T	31.63T	33.4T	35.9T
Equity Growth %	-	0.06%	0.21%	0.07%	0.16%	0.05%	0.08%	0.1%	0.06%	0.07%
Equity / Assets (Capital Ratio)	-	-	-	-	-	-	-	-	-	-
Return on Equity (ROE)	0.05%	0.08%	0.08%	0.1%	0.08%	0.05%	0.09%	0.11%	0.08%	0.09%
Book Value per Share	71215.07	74854.22	90705.58	96828.27	111565.61	111008.01	119476.19	130383.14	136243.44	145271.45
Tangible BV per Share	-	-	-	-	-	-	-	-	-	-
Common Stock	3.38T	3.38T	3.38T	3.38T	3.61T	3.61T	3.64T	3.64T	3.8T	3.8T
Additional Paid-in Capital	294.26B	286.33B	285.88B	285.89B	626.29B	626.11B	682.38B	682.38B	935.56B	934.1B
Retained Earnings	2.13T	2.61T	15.62T	17.12T	18.52T	19.27T	21.39T	23.75T	24.99T	26.95T
Accumulated OCI	3.64T	10.57T	0	0	0	-2.35T	-2.16T	-2.42T	0	2.45T
Treasury Stock	-34.11B	-34.11B	0	0	0	0	0	0	0	-35.52B
Preferred Stock	0	0	0	0	0	2.35T	2.16T	2.42T	0	0

Cash Flow

	Dec 2015	Dec 2016	Dec 2017	Dec 2018	Dec 2019	Dec 2020	Dec 2021	Dec 2022	Dec 2023	Dec 2024
Cash from Operations+	2.46T	4.91T	-1.98T	9.16T	1.87T	3.61T	-1.8T	18.62T	1.62T	-6.13T
Operating CF Growth %	-	0.99%	-1.4%	5.63%	-0.8%	0.93%	-1.5%	11.34%	-0.91%	-4.78%
Net Income	875.84B	1.28T	1.53T	2.05T	2.04T	1.52T	2.81T	3.32T	2.63T	3.17T
Depreciation & Amortization	-150.67B	252.03B	235.79B	272.55B	505.72B	535.55B	791.9B	929.31B	993.18B	1.16T
Deferred Taxes	0	275.86B	419.42B	753.22B	685.45B	486B	941.87B	1.16T	890.56B	1.05T
Other Non-Cash Items	0	609.71B	559.34B	-258.87B	-5.77T	-5.86T	-6.94T	1.21T	1.23T	1.94T
Working Capital Changes	794.23B	2.49T	-4.72T	6.34T	-1.32T	548.28B	-5.73T	12T	-4.12T	-13.48T
Cash from Investing+	-22.37T	-4.23T	1.88T	-11.07T	-8.59T	-1.46T	-10.67T	-6.97T	-2.25T	-34.3B
Purchase of Investments	-23.94T	-32.75T	-31.35T	-41.27T	-42.08T	-34.06T	-49.2T	-43.4T	-40.93T	-46.4T
Sale/Maturity of Investments	1000K	1000K	1000K	1000K	1000K	1000K	1000K	1000K	1000K	1000K
Net Investment Activity	-	-	-	-	-	-	-	-	-	-
Acquisitions	18.6B	-132.3B	203M	-134.97B	-296.81B	-313.06B	-1.64B	-724.78B	-829.83B	-672.62B
Other Investing	-33.04B	-168.48B	-171.96B	-92.66B	-55.87B	-26.13B	163.8B	162.68B	-290.35B	-212.73B
Cash from Financing+	20.32T	333.06B	-61.1B	1.52T	6.17T	2.37T	9.08T	1.92T	-2.86T	1.25T
Dividends Paid	-504.95B	-168.32B	-336.64B	-336.64B	-598.68B	-554.5B	-434.61B	-746.75B	-978.38B	-878.33B
Share Repurchases	0	-310B	0	0	-184.16B	-598.85B	-3.76B	-643B	-158.16B	-136.7B
Stock Issued	3.79B	549.9B	0	0	760.1B	0	0	0	23.12B	4.83B
Net Stock Activity	-	-	-	-	-	-	-	-	-	-
Debt Issuance (Net)	1000K	1000K	1000K	1000K	1000K	1000K	1000K	1000K	-1000K	1000K
Other Financing	20.62T	-202.61B	-907.28B	-6.05B	2.39T	777.7B	-401.71B	1.1T	-690.81B	-88.79B
Net Change in Cash+	408.82B	947.27B	-683.04B	-160.39B	-355.33B	3.6T	-2.43T	13.61T	-3.66T	-3.28T
Exchange Rate Effect	0	-1000K	-1000K	1000K	1000K	-1000K	1000K	1000K	-1000K	1000K
Cash at Beginning	0	6.64T	7.59T	6.91T	6.75T	6.39T	9.99T	20.61T	34.22T	30.56T
Cash at End	408.82B	7.59T	6.91T	6.75T	6.39T	9.99T	7.57T	34.22T	30.56T	27.28T
Interest Paid	0	0	0	0	0	0	0	0	0	12.48T
Income Taxes Paid	0	0	0	0	0	0	0	0	0	0
Free Cash Flow+	2.24T	4.58T	-2.34T	8.87T	1.31T	3.34T	-2.06T	18.28T	1.23T	-6.54T
FCF Growth %	-	1.05%	-1.51%	4.79%	-0.85%	1.54%	-1.62%	9.88%	-0.93%	-6.32%

Banking Ratios

Metric	2015	2016	2017	2018	2019	2020	2021	2022	2023	2024
Return on Equity (ROE)	5.48%	7.66%	8.06%	9.56%	7.89%	5.01%	9.15%	10.54%	7.71%	8.91%
Return on Assets (ROA)	0.3%	0.42%	0.48%	0.62%	0.53%	0.34%	0.6%	0.69%	0.51%	0.6%
Net Interest Margin	0%	1.62%	1.65%	1.66%	1.63%	1.5%	1.56%	1.81%	1.76%	1.69%
Efficiency Ratio	21.44%	39.67%	42.63%	37.62%	37.4%	55.3%	43.01%	34.5%	44.36%	25.98%
Equity / Assets	5.47%	5.46%	6.5%	6.45%	7.04%	6.7%	6.45%	6.58%	6.71%	6.83%
Book Value / Share	71.22K	74.85K	90.71K	96.83K	111.57K	111.01K	119.48K	130.38K	136.24K	145.27K
NII Growth	-	-	4%	8.24%	4.31%	1.78%	16.46%	24.49%	0.53%	1.64%
Dividend Payout	57.65%	13.35%	22.26%	16.56%	31.98%	42.42%	17.09%	23.43%	39.04%	28.46%

Revenue by Geography

	2017	2018
Country of domicile	22.28T	10.44T
Country of domicile Growth	-	-53.14%
Foreign countries	1.12T	1.31T
Foreign countries Growth	-	17.04%

Frequently Asked Questions

Valuation & Price

Woori Financial Group Inc. (WF) has a price-to-earnings (P/E) ratio of 0.0x. This may indicate the stock is undervalued or faces growth challenges.

Growth & Financials

Woori Financial Group Inc. (WF) grew revenue by 171.1% over the past year. This is strong growth.

Yes, Woori Financial Group Inc. (WF) is profitable, generating $3.22T in net income for fiscal year 2024 (12.0% net margin).

Dividend & Returns

Yes, Woori Financial Group Inc. (WF) pays a dividend with a yield of 100.00%. This makes it attractive for income-focused investors.

Woori Financial Group Inc. (WF) has a return on equity (ROE) of 8.9%. This is below average, suggesting room for improvement.

Industry Metrics

Woori Financial Group Inc. (WF) has a net interest margin (NIM) of 1.7%. NIM has been under pressure due to interest rate environment.

Woori Financial Group Inc. (WF) has an efficiency ratio of 26.0%. This is excellent, indicating strong cost control.

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Woori Financial Group Inc. (WF) 10-Year Financial Performance & Capital Metrics

WF • • Banking & Credit

Financial ServicesRegional BanksInternational & Latin American BankingInternational Trade Banking

Net Interest Income $8886.34B +1.6%
Total Revenue $25749.83B +171.1%
Net Income $3085.99B +23.1%
Return on Equity 8.91% +15.5%
Net Interest Margin 1.69% -3.7%
Efficiency Ratio 25.98% -41.4%
ROA 0.6% +17.7%
Equity / Assets 6.83% +1.8%
Book Value per Share 145271.45 +6.6%
Tangible BV/Share 137701.82 +6.8%
Debt/Equity 2.34 +2.1%

Technical Analysis

Key Insights

Based on financial data analysis

✓Strengths

✓Efficient operations: 26.0% efficiency ratio
✓Trading near 52-week high
✓Trading at only 0.0x book value

✗Weaknesses

✗High debt to equity ratio of 2.3x
✗Weak Piotroski F-Score: 3/9
✗Weak NIM of 1.7%

Price & Volume

Loading chart...

Growth Metrics

Revenue CAGR

10Y-

5Y15.69%

3Y27.22%

TTM-

Profit (Net Income) CAGR

10Y-

5Y10.51%

3Y6.67%

TTM18.11%

EPS CAGR

10Y-

5Y7.7%

3Y4.29%

TTM20.48%

ROCE

10Y Avg1.72%

5Y Avg1.61%

3Y Avg1.97%

Latest3.14%

Peer Comparison

International Trade Banking

Name	Market Cap	Current Price	P/E Ratio	Revenue Growth 1Y	Net Margin	ROE	FCF Yield	Debt/Equity
CATYCathay General Bancorp	3.46B	50.81	12.86	6.11%	20.56%	10.5%	9.42%	0.08
IBOCInternational Bancshares Corporation	4.39B	70.69	10.76	7.5%	39.23%	13.44%	10.46%	0.23
BLXBanco Latinoamericano de Comercio Exterior, S. A.	1.29B	44.99	8.03	18.61%	25.4%	15.57%		3.43
HDBHDFC Bank Limited	166.72B	32.51	0.23	19.15%	16.06%	12.21%	100%	0.86
IBNICICI Bank Limited	110.22B	30.82	0.22	25.19%	17.32%	15.31%		0.62
MFGMizuho Financial Group, Inc.	104.86B	8.49	0.12	9.47%	10.3%	9.11%		5.79
KBKB Financial Group Inc.	31.94B	89.08	0.01	3.73%	13.45%	9.46%	100%	2.35
SHGShinhan Financial Group Co., Ltd.	26.05B	54.10	0.01	4.66%	12.58%	8.03%	100%	2.55

Profit & Loss

	Dec 2015	Dec 2016	Dec 2017	Dec 2018	Dec 2019	Dec 2020	Dec 2021	Dec 2022	Dec 2023	Dec 2024
Net Interest Income+	0	5.02T	5.22T	5.65T	5.89T	6T	6.99T	8.7T	8.74T	8.89T
NII Growth %	-	-	0.04%	0.08%	0.04%	0.02%	0.16%	0.24%	0.01%	0.02%
Net Interest Margin %	-	-	-	-	-	-	-	-	-	-
Interest Income	0	8.51T	8.55T	9.68T	10.58T	9.52T	9.89T	14.65T	20.64T	22.01T
Interest Expense	924.51B	3.49T	3.33T	4.03T	4.68T	3.53T	2.91T	5.96T	11.9T	13.13T
Loan Loss Provision	-924.51B	834.08B	785.13B	329.57B	372.36B	-3.53T	531.26B	882.95B	-11.9T	1.71T
Non-Interest Income+	11.07T	1.23T	2.02T	1.81T	1.85T	-2.66T	2.61T	2.73T	-11.14T	3.74T
Non-Interest Income %	-	-	-	-	-	-	-	-	-	-
Total Revenue+	11.07T	9.75T	10.57T	11.49T	12.43T	6.87T	12.51T	17.39T	9.5T	25.75T
Revenue Growth %	-	-0.12%	0.08%	0.09%	0.08%	-0.45%	0.82%	0.39%	-0.45%	1.71%
Non-Interest Expense	2.37T	3.87T	4.51T	4.32T	4.65T	3.8T	5.38T	6T	4.21T	6.69T
Efficiency Ratio	-	-	-	-	-	-	-	-	-	-
Operating Income+	1.28T	1.55T	1.95T	2.8T	2.72T	3.07T	3.69T	4.55T	5.29T	4.22T
Operating Margin %	-	-	-	-	-	-	-	-	-	-
Operating Income Growth %	-	0.22%	0.26%	0.44%	-0.03%	0.13%	0.2%	0.23%	0.16%	-0.2%
Pretax Income+	1.47T	1.55T	1.95T	2.8T	2.72T	2T	3.69T	4.55T	3.52T	4.22T
Pretax Margin %	-	-	-	-	-	-	-	-	-	-
Income Tax+	376.55B	275.86B	419.42B	753.22B	685.45B	486B	924.77B	1.18T	890.56B	1.05T
Effective Tax Rate %	-	-	-	-	-	-	-	-	-	-
Net Income+	875.84B	1.26T	1.51T	2.03T	1.87T	1.31T	2.54T	3.19T	2.51T	3.09T
Net Margin %	-	-	-	-	-	-	-	-	-	-
Net Income Growth %	-	0.44%	0.2%	0.34%	-0.08%	-0.3%	0.95%	0.25%	-0.21%	0.23%
Net Income (Continuing)	1.08T	1.28T	1.53T	2.05T	2.04T	1.52T	2.76T	3.37T	2.63T	3.17T
EPS (Diluted)+	3904.17	4652.19	5932.74	8967.75	8174.52	5226.66	10442.97	12573.27	9689.31	11847.09
EPS Growth %	-	0.19%	0.28%	0.51%	-0.09%	-0.36%	1%	0.2%	-0.23%	0.22%
EPS (Basic)	3904.17	4652.19	5932.74	9059.58	8174.52	5226.66	10442.97	12573.27	9689.31	11850.00
Diluted Shares Outstanding	224.33M	226.72M	226.72M	226.72M	228.5M	240.76M	241.47M	242.57M	245.13M	247.09M

Balance Sheet

	Dec 2015	Dec 2016	Dec 2017	Dec 2018	Dec 2019	Dec 2020	Dec 2021	Dec 2022	Dec 2023	Dec 2024
Cash & Short Term Investments+	-1000K	-1000K	1000K	1000K	1000K	1000K	1000K	1000K	1000K	1000K
Cash & Due from Banks	-12.42T	-15.95T	6.91T	6.75T	6.39T	9.99T	7.57T	34.22T	30.56T	27.28T
Short Term Investments	0	0	1000K	1000K	1000K	1000K	1000K	1000K	1000K	1000K
Total Investments+	826.99B	579.59B	273.55T	303.03T	329.12T	94.67T	110.6T	116.54T	437.16T	463.49T
Investments Growth %	-	-0.3%	470.97%	0.11%	0.09%	-0.71%	0.17%	0.05%	2.75%	0.06%
Long-Term Investments	826.99B	579.59B	258.2T	284.96T	301.39T	64.64T	71.48T	83.46T	399.27T	419.69T
Accounts Receivables	0	0	1000K	1000K	1000K	1000K	1000K	1000K	1000K	1000K
Goodwill & Intangibles+	-	-	-	-	-	-	-	-	-	-
Goodwill	103.53B	124.8B	108.71B	153.6B	350.68B	334.29B	345.45B	397.53B	445.09B	482.71B
Intangible Assets	419.81B	0	1.39T	1.43T	1.44T	1.39T	1.31T	1.25T	1.35T	1.39T
PP&E (Net)	2.47T	2.46T	2.48T	2.45T	3.36T	4.4T	4.96T	5.74T	6.48T	7.34T
Other Assets	258.56T	272.8T	17.24T	12.1T	9.28T	-46.09B	-31.13B	-109.3B	4.16T	11.23T
Total Current Assets	29.27T	34.49T	36.6T	39.29T	46.11T	45.36T	55.78T	75.93T	86.2T	85.55T
Total Non-Current Assets	262.59T	276.2T	279.7T	301.16T	315.87T	70.78T	78.1T	90.85T	411.8T	440.21T
Total Assets+	291.86T	310.68T	316.3T	340.45T	361.98T	399.08T	447.18T	480.47T	498T	525.75T
Asset Growth %	-	0.06%	0.02%	0.08%	0.06%	0.1%	0.12%	0.07%	0.04%	0.06%
Return on Assets (ROA)	0%	0%	0%	0.01%	0.01%	0%	0.01%	0.01%	0.01%	0.01%
Accounts Payable	3.21T	8.48T	4.69T	5.41T	6.13T	4.03T	7.03T	6T	10.19T	7.25T
Total Debt+	45.27T	45.91T	46.56T	49.66T	51.92T	58.28T	69.96T	73.39T	76.36T	83.82T
Net Debt	57.69T	61.86T	39.65T	42.91T	45.52T	48.29T	61.4T	33.37T	45.8T	56.54T
Long-Term Debt	42.52T	41.95T	45.92T	48.64T	50.8T	57.87T	68.62T	70.75T	74.75T	81.58T
Short-Term Debt	2.75T	3.96T	638.23B	1.02T	702.52B	0	991.15B	2.33T	1.28T	1.71T
Other Liabilities	206.22T	217.83T	4.1T	10T	7.92T	0	20.89T	23.71T	15.04T	25.38T
Total Current Liabilities	26.95T	33.73T	245.5T	259.63T	276.99T	4.03T	7.03T	6T	373.63T	381.1T
Total Non-Current Liabilities	248.93T	259.98T	50.23T	58.87T	59.49T	58.7T	90.32T	95.16T	90.98T	108.76T
Total Liabilities	275.88T	293.71T	295.73T	318.49T	336.49T	372.36T	418.33T	448.85T	464.61T	489.86T
Total Equity+	15.98T	16.97T	20.56T	21.95T	25.49T	26.73T	28.85T	31.63T	33.4T	35.9T
Equity Growth %	-	0.06%	0.21%	0.07%	0.16%	0.05%	0.08%	0.1%	0.06%	0.07%
Equity / Assets (Capital Ratio)	-	-	-	-	-	-	-	-	-	-
Return on Equity (ROE)	0.05%	0.08%	0.08%	0.1%	0.08%	0.05%	0.09%	0.11%	0.08%	0.09%
Book Value per Share	71215.07	74854.22	90705.58	96828.27	111565.61	111008.01	119476.19	130383.14	136243.44	145271.45
Tangible BV per Share	-	-	-	-	-	-	-	-	-	-
Common Stock	3.38T	3.38T	3.38T	3.38T	3.61T	3.61T	3.64T	3.64T	3.8T	3.8T
Additional Paid-in Capital	294.26B	286.33B	285.88B	285.89B	626.29B	626.11B	682.38B	682.38B	935.56B	934.1B
Retained Earnings	2.13T	2.61T	15.62T	17.12T	18.52T	19.27T	21.39T	23.75T	24.99T	26.95T
Accumulated OCI	3.64T	10.57T	0	0	0	-2.35T	-2.16T	-2.42T	0	2.45T
Treasury Stock	-34.11B	-34.11B	0	0	0	0	0	0	0	-35.52B
Preferred Stock	0	0	0	0	0	2.35T	2.16T	2.42T	0	0

Cash Flow

	Dec 2015	Dec 2016	Dec 2017	Dec 2018	Dec 2019	Dec 2020	Dec 2021	Dec 2022	Dec 2023	Dec 2024
Cash from Operations+	2.46T	4.91T	-1.98T	9.16T	1.87T	3.61T	-1.8T	18.62T	1.62T	-6.13T
Operating CF Growth %	-	0.99%	-1.4%	5.63%	-0.8%	0.93%	-1.5%	11.34%	-0.91%	-4.78%
Net Income	875.84B	1.28T	1.53T	2.05T	2.04T	1.52T	2.81T	3.32T	2.63T	3.17T
Depreciation & Amortization	-150.67B	252.03B	235.79B	272.55B	505.72B	535.55B	791.9B	929.31B	993.18B	1.16T
Deferred Taxes	0	275.86B	419.42B	753.22B	685.45B	486B	941.87B	1.16T	890.56B	1.05T
Other Non-Cash Items	0	609.71B	559.34B	-258.87B	-5.77T	-5.86T	-6.94T	1.21T	1.23T	1.94T
Working Capital Changes	794.23B	2.49T	-4.72T	6.34T	-1.32T	548.28B	-5.73T	12T	-4.12T	-13.48T
Cash from Investing+	-22.37T	-4.23T	1.88T	-11.07T	-8.59T	-1.46T	-10.67T	-6.97T	-2.25T	-34.3B
Purchase of Investments	-23.94T	-32.75T	-31.35T	-41.27T	-42.08T	-34.06T	-49.2T	-43.4T	-40.93T	-46.4T
Sale/Maturity of Investments	1000K	1000K	1000K	1000K	1000K	1000K	1000K	1000K	1000K	1000K
Net Investment Activity	-	-	-	-	-	-	-	-	-	-
Acquisitions	18.6B	-132.3B	203M	-134.97B	-296.81B	-313.06B	-1.64B	-724.78B	-829.83B	-672.62B
Other Investing	-33.04B	-168.48B	-171.96B	-92.66B	-55.87B	-26.13B	163.8B	162.68B	-290.35B	-212.73B
Cash from Financing+	20.32T	333.06B	-61.1B	1.52T	6.17T	2.37T	9.08T	1.92T	-2.86T	1.25T
Dividends Paid	-504.95B	-168.32B	-336.64B	-336.64B	-598.68B	-554.5B	-434.61B	-746.75B	-978.38B	-878.33B
Share Repurchases	0	-310B	0	0	-184.16B	-598.85B	-3.76B	-643B	-158.16B	-136.7B
Stock Issued	3.79B	549.9B	0	0	760.1B	0	0	0	23.12B	4.83B
Net Stock Activity	-	-	-	-	-	-	-	-	-	-
Debt Issuance (Net)	1000K	1000K	1000K	1000K	1000K	1000K	1000K	1000K	-1000K	1000K
Other Financing	20.62T	-202.61B	-907.28B	-6.05B	2.39T	777.7B	-401.71B	1.1T	-690.81B	-88.79B
Net Change in Cash+	408.82B	947.27B	-683.04B	-160.39B	-355.33B	3.6T	-2.43T	13.61T	-3.66T	-3.28T
Exchange Rate Effect	0	-1000K	-1000K	1000K	1000K	-1000K	1000K	1000K	-1000K	1000K
Cash at Beginning	0	6.64T	7.59T	6.91T	6.75T	6.39T	9.99T	20.61T	34.22T	30.56T
Cash at End	408.82B	7.59T	6.91T	6.75T	6.39T	9.99T	7.57T	34.22T	30.56T	27.28T
Interest Paid	0	0	0	0	0	0	0	0	0	12.48T
Income Taxes Paid	0	0	0	0	0	0	0	0	0	0
Free Cash Flow+	2.24T	4.58T	-2.34T	8.87T	1.31T	3.34T	-2.06T	18.28T	1.23T	-6.54T
FCF Growth %	-	1.05%	-1.51%	4.79%	-0.85%	1.54%	-1.62%	9.88%	-0.93%	-6.32%

Banking Ratios

Metric	2015	2016	2017	2018	2019	2020	2021	2022	2023	2024
Return on Equity (ROE)	5.48%	7.66%	8.06%	9.56%	7.89%	5.01%	9.15%	10.54%	7.71%	8.91%
Return on Assets (ROA)	0.3%	0.42%	0.48%	0.62%	0.53%	0.34%	0.6%	0.69%	0.51%	0.6%
Net Interest Margin	0%	1.62%	1.65%	1.66%	1.63%	1.5%	1.56%	1.81%	1.76%	1.69%
Efficiency Ratio	21.44%	39.67%	42.63%	37.62%	37.4%	55.3%	43.01%	34.5%	44.36%	25.98%
Equity / Assets	5.47%	5.46%	6.5%	6.45%	7.04%	6.7%	6.45%	6.58%	6.71%	6.83%
Book Value / Share	71.22K	74.85K	90.71K	96.83K	111.57K	111.01K	119.48K	130.38K	136.24K	145.27K
NII Growth	-	-	4%	8.24%	4.31%	1.78%	16.46%	24.49%	0.53%	1.64%
Dividend Payout	57.65%	13.35%	22.26%	16.56%	31.98%	42.42%	17.09%	23.43%	39.04%	28.46%

Revenue by Geography

	2017	2018
Country of domicile	22.28T	10.44T
Country of domicile Growth	-	-53.14%
Foreign countries	1.12T	1.31T
Foreign countries Growth	-	17.04%

Frequently Asked Questions

Valuation & Price

Woori Financial Group Inc. (WF) has a price-to-earnings (P/E) ratio of 0.0x. This may indicate the stock is undervalued or faces growth challenges.

Growth & Financials

Woori Financial Group Inc. (WF) grew revenue by 171.1% over the past year. This is strong growth.

Yes, Woori Financial Group Inc. (WF) is profitable, generating $3.22T in net income for fiscal year 2024 (12.0% net margin).

Dividend & Returns

Yes, Woori Financial Group Inc. (WF) pays a dividend with a yield of 100.00%. This makes it attractive for income-focused investors.

Woori Financial Group Inc. (WF) has a return on equity (ROE) of 8.9%. This is below average, suggesting room for improvement.

Industry Metrics

Woori Financial Group Inc. (WF) has a net interest margin (NIM) of 1.7%. NIM has been under pressure due to interest rate environment.

Woori Financial Group Inc. (WF) has an efficiency ratio of 26.0%. This is excellent, indicating strong cost control.