Woori Financial Group Inc. (WF) fundamental analysis — strengths, weaknesses & financial health based on data analysis
* These insights are generated automatically based on available financial data. Please conduct your own research before making investment decisions.
Woori Financial Group Inc. (WF) stock price & volume — 10-year historical chart
Woori Financial Group Inc. (WF) revenue, earnings & EPS growth — 3, 5 & 10-year CAGR
Woori Financial Group Inc. (WF) EPS & revenue vs analyst estimates — last 4 quarters
| Quarter | Date | EPS (Act vs Est) | Revenue (Act vs Est) |
|---|---|---|---|
| Q2 2026Latest | Apr 24, 2026 | $1.59vs $2.27-30.0% | $1.9Bvs $1.9B-2.3% |
| Q2 2026 | Mar 4, 2026 | $0.93vs $0.90+3.3% | $1.9Bvs $1.8B+1.9% |
| Q1 2026 | Feb 6, 2026 | $0.86vs $0.90-4.2% | $1.9Bvs $1.8B+2.2% |
| Q4 2025 | Nov 14, 2025 | $3.57vs $2.28+56.6% | $1.9Bvs $2.0B-2.8% |
Woori Financial Group Inc. (WF) competitors in Non-US regional and universal banks — business model, growth, and fundamentals comparison
Woori Financial Group Inc. (WF) vs competitors — business, growth, and fundamentals comparison against the closest industry rivals.
Woori Financial Group Inc. (WF) annual income statement — 10-year revenue, gross profit & net income history
| Line item | Dec'17 | Dec'18 | Dec'19 | Dec'20 | Dec'21 | Dec'22 | Dec'23 | Dec'24 | Dec'25 |
|---|---|---|---|---|---|---|---|---|---|
| Net Interest Income | 5.22T | 5.65T | 5.89T | 6T | 6.99T | 8.7T | 8.74T | 8.89T | 9.64T |
| NII Growth % | 4% | 8.24% | 4.31% | 1.78% | 16.46% | 24.49% | 0.53% | 1.64% | 8.53% |
| Net Interest Margin % | 1.65% | 1.66% | 1.63% | 1.5% | 1.56% | 1.81% | 1.76% | 1.69% | 1.6% |
| Interest Income | 8.55T | 9.68T | 10.58T | 9.52T | 9.89T | 14.65T | 20.64T | 22.01T | 21.97T |
| Interest Expense | 3.33T | 4.03T | 4.68T | 3.53T | 2.91T | 5.96T | 11.9T | 13.13T | 12.32T |
| Loan Loss Provision | 785.13B | 329.57B | 372.36B | -3.53T | 531.26B | 882.95B | 1.87T | 1.71T | 2.12T |
| Non-Interest Income | 2.02T | 1.81T | 1.85T | -2.66T | 2.61T | 2.73T | -11.14T | 3.74T | 6.21T |
| Non-Interest Income % | 19.12% | 15.72% | 14.89% | -38.68% | 20.88% | 15.71% | -117.3% | 14.51% | 22.05% |
| Total Revenue | 10.57T▲ 0% | 11.49T▲ 8.7% | 12.43T▲ 8.1% | 6.87T▼ 44.7% | 12.51T▲ 82.1% | 17.39T▲ 39.0% | 9.5T▼ 45.4% | 25.75T▲ 171.1% | 28.18T▲ 9.4% |
| Revenue Growth % | 8.46% | 8.69% | 8.14% | -44.74% | 82.11% | 39.01% | -45.36% | 171.08% | 9.44% |
| Non-Interest Expense | 4.51T | 4.32T | 4.65T | 3.8T | 5.38T | 6T | 6.41T | 6.69T | 9.7T |
| Efficiency Ratio | 42.63% | 37.62% | 37.4% | 55.3% | 43.01% | 34.5% | 67.48% | 25.98% | 34.41% |
| Operating Income | 1.95T▲ 0% | 2.8T▲ 43.9% | 2.72T▼ 2.9% | 3.07T▲ 12.7% | 3.69T▲ 20.1% | 4.55T▲ 23.3% | 5.29T▲ 16.2% | 4.22T▼ 20.1% | 4.15T▼ 1.8% |
| Operating Margin % | 18.44% | 24.41% | 21.91% | 44.7% | 29.48% | 26.16% | 55.64% | 16.4% | 14.71% |
| Operating Income Growth % | 25.5% | 43.88% | -2.92% | 12.73% | 20.11% | 23.34% | 16.23% | -20.11% | -1.83% |
| Pretax Income | 1.95T▲ 0% | 2.8T▲ 43.9% | 2.72T▼ 2.9% | 2T▼ 26.5% | 3.69T▲ 84.2% | 4.55T▲ 23.3% | 3.52T▼ 22.7% | 4.22T▲ 20.1% | 4.05T▼ 4.2% |
| Pretax Margin % | 18.44% | 24.41% | 21.91% | 29.14% | 29.48% | 26.16% | 37.03% | 16.4% | 14.36% |
| Income Tax | 419.42B | 753.22B | 685.45B | 486B | 924.77B | 1.18T | 890.56B | 1.05T | 874.35B |
| Effective Tax Rate % | 21.51% | 26.85% | 25.17% | 24.28% | 25.08% | 25.91% | 25.32% | 24.9% | 21.61% |
| Net Income | 1.51T▲ 0% | 2.03T▲ 34.5% | 1.87T▼ 7.9% | 1.31T▼ 30.2% | 2.54T▲ 94.5% | 3.19T▲ 25.3% | 2.51T▼ 21.4% | 3.09T▲ 23.1% | 3.29T▲ 6.6% |
| Net Margin % | 14.3% | 17.69% | 15.07% | 19.04% | 20.33% | 18.33% | 26.38% | 11.98% | 11.67% |
| Net Income Growth % | 19.89% | 34.46% | -7.92% | -30.18% | 94.52% | 25.32% | -21.35% | 23.13% | 6.56% |
| Net Income (Continuing) | 1.53T | 2.05T | 2.04T | 1.52T | 2.76T | 3.37T | 2.63T | 3.17T | 3.17T |
| EPS (Diluted) | 5932.74▲ 0% | 8967.75▲ 51.2% | 8174.52▼ 8.8% | 5226.66▼ 36.1% | 10442.97▲ 99.8% | 12573.27▲ 20.4% | 9689.31▼ 22.9% | 11847.09▲ 22.3% | 13007.61▲ 9.8% |
| EPS Growth % | 27.53% | 51.16% | -8.85% | -36.06% | 99.8% | 20.4% | -22.94% | 22.27% | 9.8% |
| EPS (Basic) | 5932.74 | 9059.58 | 8174.52 | 5226.66 | 10442.97 | 12573.27 | 9689.31 | 11850.00 | 13007.61 |
| Diluted Shares Outstanding | 226.72M | 226.72M | 228.5M | 240.76M | 241.47M | 242.57M | 245.13M | 247.09M | 252.73M |
Woori Financial Group Inc. (WF) balance sheet — assets, liabilities & shareholders' equity
| Line item | Dec'17 | Dec'18 | Dec'19 | Dec'20 | Dec'21 | Dec'22 | Dec'23 | Dec'24 | Dec'25 |
|---|---|---|---|---|---|---|---|---|---|
| Cash & Short Term Investments | 22.26T | 24.81T | 34.12T | 40.02T | 59.73T | 67.3T | 68.45T | 71.08T | 46.73T |
| Cash & Due from Banks | 6.91T | 6.75T | 6.39T | 9.99T | 20.61T | 34.22T | 30.56T | 27.28T | 26.36T |
| Short Term Investments | 15.35T | 18.06T | 27.73T | 30.03T | 39.12T | 33.09T | 37.89T | 43.8T | 20.37T |
| Total Investments | 273.55T | 303.03T | 329.12T | 94.67T | 110.6T | 116.54T | 437.16T | 463.49T | 553.25T |
| Investments Growth % | 47096.97% | 10.78% | 8.61% | -71.23% | 16.83% | 5.37% | 275.1% | 6.02% | 19.37% |
| Long-Term Investments | 258.2T | 284.96T | 301.39T | 64.64T | 71.48T | 83.46T | 399.27T | 419.69T | 532.88T |
| Accounts Receivables | 4.46T | 4.86T | 5.65T | 3.81T | 6.85T | 5.44T | 9.06T | 6.41T | 0 |
| Goodwill & Intangibles | 1.5T | 1.58T | 1.79T | 1.73T | 1.66T | 1.65T | 1.79T | 1.87T | 1.06T |
| Goodwill | 108.71B | 153.6B | 350.68B | 334.29B | 345.45B | 397.53B | 445.09B | 482.71B | 386.98B |
| Intangible Assets | 1.39T | 1.43T | 1.44T | 1.39T | 1.31T | 1.25T | 1.35T | 1.39T | 669.63B |
| PP&E (Net) | 2.48T | 2.45T | 3.36T | 4.4T | 4.96T | 5.74T | 6.48T | 7.34T | 7.6T |
| Other Assets | 17.24T | 12.1T | 9.28T | -46.09B | -31.13B | -109.3B | 39.91T | 11.23T | 12.75T |
| Total Current Assets | 36.6T | 39.29T | 46.11T | 45.36T | 55.78T | 75.93T | 16.18T | 85.55T | 46.73T |
| Total Non-Current Assets | 279.7T | 301.16T | 315.87T | 70.78T | 78.1T | 90.85T | 447.55T | 440.21T | 554.7T |
| Total Assets | 316.3T▲ 0% | 340.45T▲ 7.6% | 361.98T▲ 6.3% | 399.08T▲ 10.2% | 447.18T▲ 12.1% | 480.47T▲ 7.4% | 498T▲ 3.6% | 525.75T▲ 5.6% | 601.43T▲ 14.4% |
| Asset Growth % | 1.81% | 7.64% | 6.33% | 10.25% | 12.05% | 7.44% | 3.65% | 5.57% | 14.39% |
| Return on Assets (ROA) | 0.48% | 0.62% | 0.53% | 0.34% | 0.6% | 0.69% | 0.51% | 0.6% | 0.58% |
| Accounts Payable | 4.69T | 5.41T | 6.13T | 4.03T | 7.03T | 6T | 10.19T | 7.25T | 0 |
| Total Debt | 46.56T | 49.66T | 51.92T | 58.28T | 69.96T | 73.39T | 76.36T | 83.82T | 94.51T |
| Net Debt | 39.65T | 42.91T | 45.52T | 48.29T | 49.34T | 39.17T | 45.8T | 56.54T | 68.16T |
| Long-Term Debt | 45.92T | 48.64T | 50.8T | 57.87T | 68.62T | 70.75T | 74.75T | 81.58T | 44.08T |
| Short-Term Debt | 638.23B | 1.02T | 702.52B | 0 | 991.15B | 2.33T | 1.28T | 1.71T | 50.11T |
| Other Liabilities | 4.1T | 10T | 7.92T | 0 | 20.89T | 23.71T | 15.04T | 25.38T | 471.91T |
| Total Current Liabilities | 245.5T | 259.63T | 276.99T | 4.03T | 0 | 353.69T | 373.63T | 381.1T | 50.11T |
| Total Non-Current Liabilities | 50.23T | 58.87T | 59.49T | 58.7T | 90.32T | 95.16T | 90.98T | 108.76T | 517.18T |
| Total Liabilities | 295.73T | 318.49T | 336.49T | 372.36T | 418.33T | 448.85T | 464.61T | 489.86T | 567.28T |
| Total Equity | 20.56T▲ 0% | 21.95T▲ 6.8% | 25.49T▲ 16.1% | 26.73T▲ 4.8% | 28.85T▲ 7.9% | 31.63T▲ 9.6% | 33.4T▲ 5.6% | 35.9T▲ 7.5% | 34.15T▼ 4.9% |
| Equity Growth % | 21.18% | 6.75% | 16.12% | 4.84% | 7.95% | 9.63% | 5.6% | 7.48% | -4.87% |
| Equity / Assets (Capital Ratio) | 6.5% | 6.45% | 7.04% | 6.7% | 6.45% | 6.58% | 6.71% | 6.83% | 5.68% |
| Return on Equity (ROE) | 8.06% | 9.56% | 7.89% | 5.01% | 9.15% | 10.54% | 7.71% | 8.91% | 9.39% |
| Book Value per Share | 90705.58 | 96828.27 | 111565.61 | 111008.01 | 119476.19 | 130383.14 | 136243.44 | 145271.45 | 135114.40 |
| Tangible BV per Share | 84075.34 | 89840.16 | 103717.66 | 103826.65 | 112617.88 | 123578.36 | 128939.78 | 137701.82 | 130933.63 |
| Common Stock | 3.38T | 3.38T | 3.61T | 3.61T | 3.64T | 3.64T | 3.8T | 3.8T | 3.8T |
| Additional Paid-in Capital | 285.88B | 285.89B | 626.29B | 626.11B | 682.38B | 682.38B | 935.56B | 934.1B | 933.4B |
| Retained Earnings | 15.62T | 17.12T | 18.52T | 19.27T | 21.39T | 23.75T | 24.99T | 26.95T | 25.56T |
| Accumulated OCI | 0 | 0 | 0 | -2.35T | -2.16T | -2.42T | 1.98T | 2.45T | 2.05T |
| Treasury Stock | 0 | 0 | 0 | 0 | 0 | 0 | -39.35B | -35.52B | -35.52B |
| Preferred Stock | 0 | 0 | 0 | 2.35T | 2.16T | 2.42T | 0 | 0 | 0 |
Woori Financial Group Inc. (WF) cash flow — operating, investing & free cash flow history
| Line item | Dec'17 | Dec'18 | Dec'19 | Dec'20 | Dec'21 | Dec'22 | Dec'23 | Dec'24 | Dec'25 |
|---|---|---|---|---|---|---|---|---|---|
| Cash from Operations | -1.98T | 9.16T | 1.87T | 3.61T | -1.8T | 18.62T | 1.62T | -6.13T | 7.03T |
| Operating CF Growth % | -140.34% | 562.86% | -79.58% | 92.8% | -149.94% | 1134.12% | -91.29% | -477.9% | 214.65% |
| Net Income | 1.53T | 2.05T | 2.04T | 1.52T | 2.81T | 3.32T | 2.63T | 3.17T | 3.01T |
| Depreciation & Amortization | 235.79B | 272.55B | 505.72B | 535.55B | 791.9B | 929.31B | 993.18B | 1.16T | 0 |
| Deferred Taxes | 419.42B | 753.22B | 685.45B | 486B | 941.87B | 1.16T | 890.56B | 1.05T | 0 |
| Other Non-Cash Items | 559.34B | -258.87B | -5.77T | -5.86T | -6.94T | 1.21T | 1.23T | 1.94T | 1.21T |
| Working Capital Changes | -4.72T | 6.34T | -1.32T | 548.28B | -5.73T | 12T | -4.12T | -13.48T | 2.8T |
| Cash from Investing | 1.88T | -11.07T | -8.59T | -1.46T | -10.67T | -6.97T | -2.25T | -34.3B | -17.5T |
| Purchase of Investments | -31.35T | -41.27T | -42.08T | -34.06T | -49.2T | -43.4T | -40.93T | -46.4T | -70.21T |
| Sale/Maturity of Investments | 33.57T | 30.54T | 34.4T | 33.21T | 38.63T | 37.34T | 39.96T | 47.47T | 62.42T |
| Net Investment Activity | 2.22T | -10.72T | -7.68T | -853.04B | -10.57T | -6.06T | -969.26B | 1.07T | -7.79T |
| Acquisitions | 203M | -134.97B | -296.81B | -313.06B | -1.64B | -724.78B | -829.83B | -672.62B | -755.98B |
| Other Investing | -171.96B | -92.66B | -55.87B | -26.13B | 163.8B | 162.68B | -290.35B | -212.73B | -8.44T |
| Cash from Financing | -61.1B | 1.52T | 6.17T | 2.37T | 9.08T | 1.92T | -2.86T | 1.25T | 22.07T |
| Dividends Paid | -336.64B | -336.64B | -598.68B | -554.5B | -434.61B | -746.75B | -978.38B | -878.33B | -939.87B |
| Share Repurchases | 0 | 0 | -184.16B | -598.85B | -3.76B | -643B | -158.16B | -136.7B | -152.03B |
| Stock Issued | 0 | 0 | 760.1B | 0 | 0 | 0 | 23.12B | 4.83B | 0 |
| Net Stock Activity | 0 | 0 | 575.94B | -598.85B | -3.76B | -643B | -135.05B | -131.87B | -152.03B |
| Debt Issuance (Net) | 1000K | 1000K | 1000K | 1000K | 1000K | 1000K | -1000K | 1000K | 1000K |
| Other Financing | -907.28B | -6.05B | 2.39T | 777.7B | -401.71B | 1.1T | -690.81B | -88.79B | 13.79T |
| Net Change in Cash | -683.04B▲ 0% | -160.39B▲ 76.5% | -355.33B▼ 121.5% | 3.6T▲ 1112.7% | -2.43T▼ 167.4% | 13.61T▲ 661.0% | -3.66T▼ 126.9% | -3.28T▲ 10.6% | 0▲ 100.0% |
| Exchange Rate Effect | -526.64B | 233.93B | 191.46B | -918.37B | 966.96B | 30.86B | -170.15B | 1.64T | -11.6T |
| Cash at Beginning | 7.59T | 6.91T | 6.75T | 6.39T | 9.99T | 20.61T | 34.22T | 30.56T | 0 |
| Cash at End | 6.91T | 6.75T | 6.39T | 9.99T | 7.57T | 34.22T | 30.56T | 27.28T | 0 |
| Interest Paid | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 12.48T | 0 |
| Income Taxes Paid | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 |
| Free Cash Flow | -2.34T▲ 0% | 8.87T▲ 479.3% | 1.31T▼ 85.2% | 3.34T▲ 154.2% | -2.06T▼ 161.6% | 18.28T▲ 987.6% | 1.23T▼ 93.3% | -6.54T▼ 632.4% | 6.7T▲ 202.4% |
| FCF Growth % | -151% | 479.32% | -85.17% | 154.23% | -161.62% | 987.59% | -93.28% | -632.36% | 202.38% |
Woori Financial Group Inc. (WF) financial ratios — P/E, ROE, debt and 30+ core market and balance-sheet ratios
| Metric | 2016 | 2017 | 2018 | 2019 | 2020 | 2021 | 2022 | 2023 | 2024 | 2025 |
|---|---|---|---|---|---|---|---|---|---|---|
| Return on Equity (ROE) | 7.66% | 8.06% | 9.56% | 7.89% | 5.01% | 9.15% | 10.54% | 7.71% | 8.91% | 9.39% |
| Return on Assets (ROA) | 0.42% | 0.48% | 0.62% | 0.53% | 0.34% | 0.6% | 0.69% | 0.51% | 0.6% | 0.58% |
| Net Interest Margin | 1.62% | 1.65% | 1.66% | 1.63% | 1.5% | 1.56% | 1.81% | 1.76% | 1.69% | 1.6% |
| Efficiency Ratio | 39.67% | 42.63% | 37.62% | 37.4% | 55.3% | 43.01% | 34.5% | 67.48% | 25.98% | 34.41% |
| Equity / Assets | 5.46% | 6.5% | 6.45% | 7.04% | 6.7% | 6.45% | 6.58% | 6.71% | 6.83% | 5.68% |
| Book Value / Share | 74.85K | 90.71K | 96.83K | 111.57K | 111.01K | 119.48K | 130.38K | 136.24K | 145.27K | 135.11K |
| NII Growth | - | 4% | 8.24% | 4.31% | 1.78% | 16.46% | 24.49% | 0.53% | 1.64% | 8.53% |
| Dividend Payout | 13.35% | 22.26% | 16.56% | 31.98% | 42.42% | 17.09% | 23.43% | 39.04% | 28.46% | 28.58% |
Woori Financial Group Inc. (WF) stock FAQ — growth, dividends, profitability & financials explained
Woori Financial Group Inc. (WF) grew revenue by 9.4% over the past year. This is steady growth.
Yes, Woori Financial Group Inc. (WF) is profitable, generating $3.12T in net income for fiscal year 2025 (11.7% net margin).
Yes, Woori Financial Group Inc. (WF) pays a dividend with a yield of 3.72%. This makes it attractive for income-focused investors.
Woori Financial Group Inc. (WF) has a return on equity (ROE) of 9.4%. This is below average, suggesting room for improvement.
Woori Financial Group Inc. (WF) has a net interest margin (NIM) of 1.6%. NIM has been under pressure due to interest rate environment.
Woori Financial Group Inc. (WF) has an efficiency ratio of 34.4%. This is excellent, indicating strong cost control.
Woori Financial Group Inc. (WF) financial analysis — history, returns, DCA and operating performance tools
Analyst verdict, bull/bear case, risk factors and peer comparison
Historical returns with dividends reinvested
Dollar cost averaging vs lump sum
Yield, growth, payout safety & DRIP
EPS trends, net income & profitability
Long-term charts & historical price data
Sales growth patterns & revenue breakdown
30 years of market, efficiency and balance-sheet ratios
DCF intrinsic value, peer multiples & estimates