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WF logoWoori Financial Group Inc.(WF)Earnings, Financials & Key Ratios

WF•NYSE•Banking & Credit
$68.75
$16.75B mkt cap·7.7× P/E·Price updated May 6, 2026
SectorFinancial ServicesIndustryRegional BanksSub-IndustryNon-US regional and universal banks
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$9644.25B+8.5%
  • Total Revenue$28181.67B+9.4%
  • Net Income$3288.42B+6.6%
  • Return on Equity9.39%+5.4%
  • Net Interest Margin1.6%-5.1%
  • Efficiency Ratio34.41%+32.5%
  • ROA0.58%-3.2%
  • Equity / Assets5.68%-16.8%
  • Book Value per Share135114.40-7.0%
  • Tangible BV/Share130933.63-4.9%
  • Debt/Equity2.77+18.5%
Analysis→Technical→

WF Key Insights

Woori Financial Group Inc. (WF) fundamental analysis — strengths, weaknesses & financial health based on data analysis

✓Strengths

  • ✓Strong 5Y profit CAGR of 20.3%
  • ✓Efficient operations: 34.4% efficiency ratio
  • ✓Healthy dividend yield of 3.7%
  • ✓Trading at only 0.7x book value

✗Weaknesses

  • ✗High debt to equity ratio of 2.8x
  • ✗Weak NIM of 1.6%
  • ✗Thin capital base

* These insights are generated automatically based on available financial data. Please conduct your own research before making investment decisions.

WF Price & Volume

Woori Financial Group Inc. (WF) stock price & volume — 10-year historical chart

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WF Growth Metrics

Woori Financial Group Inc. (WF) revenue, earnings & EPS growth — 3, 5 & 10-year CAGR

Revenue CAGR

10 Years9.79%
5 Years32.63%
3 Years17.47%
TTM-

Profit CAGR

10 Years14.14%
5 Years20.26%
3 Years1.05%
TTM1.19%

EPS CAGR

10 Years12.79%
5 Years20%
3 Years1.14%
TTM2.73%

Return on Capital

10 Years2.35%
5 Years2.71%
3 Years2.85%
Last Year1.19%

WF Recent Earnings

Woori Financial Group Inc. (WF) EPS & revenue vs analyst estimates — last 4 quarters

Full history →
●Beat EPS 7/12 qtrs (64%)●Beat Revenue 5/12 qtrs (45%)
Q2 2026Latest
Apr 24, 2026
EPS
$1.59
Est $2.27
-30.0%
Revenue
$1.9B
Est $1.9B
-2.3%
Q2 2026
Mar 4, 2026
EPS
$0.93
Est $0.90
+3.3%
Revenue
$1.9B
Est $1.8B
+1.9%
Q1 2026
Feb 6, 2026
EPS
$0.86
Est $0.90
-4.2%
Revenue
$1.9B
Est $1.8B
+2.2%
Q4 2025
Nov 14, 2025
EPS
$3.57
Est $2.28
+56.6%
Revenue
$1.9B
Est $2.0B
-2.8%
QuarterDateEPS (Act vs Est)Revenue (Act vs Est)
Q2 2026LatestApr 24, 2026
$1.59vs $2.27-30.0%
$1.9Bvs $1.9B-2.3%
Q2 2026Mar 4, 2026
$0.93vs $0.90+3.3%
$1.9Bvs $1.8B+1.9%
Q1 2026Feb 6, 2026
$0.86vs $0.90-4.2%
$1.9Bvs $1.8B+2.2%
Q4 2025Nov 14, 2025
$3.57vs $2.28+56.6%
$1.9Bvs $2.0B-2.8%
Based on last 12 quarters of dataView full earnings history →

WF Peer Comparison

Woori Financial Group Inc. (WF) competitors in Non-US regional and universal banks — business model, growth, and fundamentals comparison

Select Columns
Stock Universe
Valuation
Growth
Profitability
Financial Health
Dividends & Buybacks
Price Performance
Technical
Fundamentals ($)
Sector-Specific
CompanyMarket CapStock PriceP/E Ratio (TTM)Revenue Growth 1YNet MarginReturn on Equity (ROE)FCF YieldDebt / Equity
KB logoKBKB Financial Group Inc.Direct Competitor39.33B110.8910.5634.2%11.54%9.59%
SHG logoSHGShinhan Financial Group Co., Ltd.Direct Competitor34.14B68.519.6112.42%12.67%8.48%12.47%2.77
HDB logoHDBHDFC Bank LimitedDirect Competitor196.13B25.6317.5819.15%16.06%12.27%6.06%0.86
IBN logoIBNICICI Bank LimitedDirect Competitor95.7B26.7517.8725.19%17.32%15.31%8.51%0.62
MFG logoMFGMizuho Financial Group, Inc.Direct Competitor108.9B8.8519.739.47%10.3%9.11%5.79
SMFG logoSMFGSumitomo Mitsui Financial Group, Inc.Direct Competitor139.44B21.9211.3510.16%12.2%9.06%21.14%3.93
USB logoUSBU.S. BancorpProduct Competitor87.33B56.1612.180.35%17.68%11.54%1.19
PNC logoPNCThe PNC Financial Services Group, Inc.Product Competitor89.93B222.4216.195.62%17.48%11.05%8.76%1.13

Compare WF vs Peers

Woori Financial Group Inc. (WF) vs competitors — business, growth, and fundamentals comparison against the closest industry rivals.

Closest Rival

vs KB

Most directly comparable listed peer for WF.

Scale Benchmark

vs V

Larger-name benchmark to compare WF against a more recognizable public peer.

Peer Set

Compare Top 5

vs KB, SHG, HDB, IBN

WF Income Statement

Woori Financial Group Inc. (WF) annual income statement — 10-year revenue, gross profit & net income history

10Y historyFree accessUpdated daily
Line itemDec'17Dec'18Dec'19Dec'20Dec'21Dec'22Dec'23Dec'24Dec'25
Net Interest Income5.22T5.65T5.89T6T6.99T8.7T8.74T8.89T9.64T
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 Income8.55T9.68T10.58T9.52T9.89T14.65T20.64T22.01T21.97T
Interest Expense3.33T4.03T4.68T3.53T2.91T5.96T11.9T13.13T12.32T
Loan Loss Provision785.13B329.57B372.36B-3.53T531.26B882.95B1.87T1.71T2.12T
Non-Interest Income2.02T1.81T1.85T-2.66T2.61T2.73T-11.14T3.74T6.21T
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 Expense4.51T4.32T4.65T3.8T5.38T6T6.41T6.69T9.7T
Efficiency Ratio42.63%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 Tax419.42B753.22B685.45B486B924.77B1.18T890.56B1.05T874.35B
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)1.53T2.05T2.04T1.52T2.76T3.37T2.63T3.17T3.17T
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)5932.749059.588174.525226.6610442.9712573.279689.3111850.0013007.61
Diluted Shares Outstanding226.72M226.72M228.5M240.76M241.47M242.57M245.13M247.09M252.73M

WF Balance Sheet

Woori Financial Group Inc. (WF) balance sheet — assets, liabilities & shareholders' equity

Line itemDec'17Dec'18Dec'19Dec'20Dec'21Dec'22Dec'23Dec'24Dec'25
Cash & Short Term Investments22.26T24.81T34.12T40.02T59.73T67.3T68.45T71.08T46.73T
Cash & Due from Banks6.91T6.75T6.39T9.99T20.61T34.22T30.56T27.28T26.36T
Short Term Investments15.35T18.06T27.73T30.03T39.12T33.09T37.89T43.8T20.37T
Total Investments273.55T303.03T329.12T94.67T110.6T116.54T437.16T463.49T553.25T
Investments Growth %47096.97%10.78%8.61%-71.23%16.83%5.37%275.1%6.02%19.37%
Long-Term Investments258.2T284.96T301.39T64.64T71.48T83.46T399.27T419.69T532.88T
Accounts Receivables4.46T4.86T5.65T3.81T6.85T5.44T9.06T6.41T0
Goodwill & Intangibles1.5T1.58T1.79T1.73T1.66T1.65T1.79T1.87T1.06T
Goodwill108.71B153.6B350.68B334.29B345.45B397.53B445.09B482.71B386.98B
Intangible Assets1.39T1.43T1.44T1.39T1.31T1.25T1.35T1.39T669.63B
PP&E (Net)2.48T2.45T3.36T4.4T4.96T5.74T6.48T7.34T7.6T
Other Assets17.24T12.1T9.28T-46.09B-31.13B-109.3B39.91T11.23T12.75T
Total Current Assets36.6T39.29T46.11T45.36T55.78T75.93T16.18T85.55T46.73T
Total Non-Current Assets279.7T301.16T315.87T70.78T78.1T90.85T447.55T440.21T554.7T
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 Payable4.69T5.41T6.13T4.03T7.03T6T10.19T7.25T0
Total Debt46.56T49.66T51.92T58.28T69.96T73.39T76.36T83.82T94.51T
Net Debt39.65T42.91T45.52T48.29T49.34T39.17T45.8T56.54T68.16T
Long-Term Debt45.92T48.64T50.8T57.87T68.62T70.75T74.75T81.58T44.08T
Short-Term Debt638.23B1.02T702.52B0991.15B2.33T1.28T1.71T50.11T
Other Liabilities4.1T10T7.92T020.89T23.71T15.04T25.38T471.91T
Total Current Liabilities245.5T259.63T276.99T4.03T0353.69T373.63T381.1T50.11T
Total Non-Current Liabilities50.23T58.87T59.49T58.7T90.32T95.16T90.98T108.76T517.18T
Total Liabilities295.73T318.49T336.49T372.36T418.33T448.85T464.61T489.86T567.28T
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 Share90705.5896828.27111565.61111008.01119476.19130383.14136243.44145271.45135114.40
Tangible BV per Share84075.3489840.16103717.66103826.65112617.88123578.36128939.78137701.82130933.63
Common Stock3.38T3.38T3.61T3.61T3.64T3.64T3.8T3.8T3.8T
Additional Paid-in Capital285.88B285.89B626.29B626.11B682.38B682.38B935.56B934.1B933.4B
Retained Earnings15.62T17.12T18.52T19.27T21.39T23.75T24.99T26.95T25.56T
Accumulated OCI000-2.35T-2.16T-2.42T1.98T2.45T2.05T
Treasury Stock000000-39.35B-35.52B-35.52B
Preferred Stock0002.35T2.16T2.42T000

WF Cash Flow Statement

Woori Financial Group Inc. (WF) cash flow — operating, investing & free cash flow history

Line itemDec'17Dec'18Dec'19Dec'20Dec'21Dec'22Dec'23Dec'24Dec'25
Cash from Operations-1.98T9.16T1.87T3.61T-1.8T18.62T1.62T-6.13T7.03T
Operating CF Growth %-140.34%562.86%-79.58%92.8%-149.94%1134.12%-91.29%-477.9%214.65%
Net Income1.53T2.05T2.04T1.52T2.81T3.32T2.63T3.17T3.01T
Depreciation & Amortization235.79B272.55B505.72B535.55B791.9B929.31B993.18B1.16T0
Deferred Taxes419.42B753.22B685.45B486B941.87B1.16T890.56B1.05T0
Other Non-Cash Items559.34B-258.87B-5.77T-5.86T-6.94T1.21T1.23T1.94T1.21T
Working Capital Changes-4.72T6.34T-1.32T548.28B-5.73T12T-4.12T-13.48T2.8T
Cash from Investing1.88T-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 Investments33.57T30.54T34.4T33.21T38.63T37.34T39.96T47.47T62.42T
Net Investment Activity2.22T-10.72T-7.68T-853.04B-10.57T-6.06T-969.26B1.07T-7.79T
Acquisitions203M-134.97B-296.81B-313.06B-1.64B-724.78B-829.83B-672.62B-755.98B
Other Investing-171.96B-92.66B-55.87B-26.13B163.8B162.68B-290.35B-212.73B-8.44T
Cash from Financing-61.1B1.52T6.17T2.37T9.08T1.92T-2.86T1.25T22.07T
Dividends Paid-336.64B-336.64B-598.68B-554.5B-434.61B-746.75B-978.38B-878.33B-939.87B
Share Repurchases00-184.16B-598.85B-3.76B-643B-158.16B-136.7B-152.03B
Stock Issued00760.1B00023.12B4.83B0
Net Stock Activity00575.94B-598.85B-3.76B-643B-135.05B-131.87B-152.03B
Debt Issuance (Net)1000K1000K1000K1000K1000K1000K-1000K1000K1000K
Other Financing-907.28B-6.05B2.39T777.7B-401.71B1.1T-690.81B-88.79B13.79T
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-526.64B233.93B191.46B-918.37B966.96B30.86B-170.15B1.64T-11.6T
Cash at Beginning7.59T6.91T6.75T6.39T9.99T20.61T34.22T30.56T0
Cash at End6.91T6.75T6.39T9.99T7.57T34.22T30.56T27.28T0
Interest Paid000000012.48T0
Income Taxes Paid000000000
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%

WF Banking Ratios

Woori Financial Group Inc. (WF) financial ratios — P/E, ROE, debt and 30+ core market and balance-sheet ratios

Metric2016201720182019202020212022202320242025
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 Margin1.62%1.65%1.66%1.63%1.5%1.56%1.81%1.76%1.69%1.6%
Efficiency Ratio39.67%42.63%37.62%37.4%55.3%43.01%34.5%67.48%25.98%34.41%
Equity / Assets5.46%6.5%6.45%7.04%6.7%6.45%6.58%6.71%6.83%5.68%
Book Value / Share74.85K90.71K96.83K111.57K111.01K119.48K130.38K136.24K145.27K135.11K
NII Growth-4%8.24%4.31%1.78%16.46%24.49%0.53%1.64%8.53%
Dividend Payout13.35%22.26%16.56%31.98%42.42%17.09%23.43%39.04%28.46%28.58%

WF Frequently Asked Questions

Woori Financial Group Inc. (WF) stock FAQ — growth, dividends, profitability & financials explained

Growth & Financials

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).

Dividend & Returns

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.

Industry Metrics

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.

Explore More WF

Woori Financial Group Inc. (WF) financial analysis — history, returns, DCA and operating performance tools

Full WF Stock Analysis

Analyst verdict, bull/bear case, risk factors and peer comparison

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Total Return Calculator

Historical returns with dividends reinvested

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DCA Calculator

Dollar cost averaging vs lump sum

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Dividend History

Yield, growth, payout safety & DRIP

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Earnings History

EPS trends, net income & profitability

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Price History

Long-term charts & historical price data

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Revenue History

Sales growth patterns & revenue breakdown

→

Financial Ratios

30 years of market, efficiency and balance-sheet ratios

→

Valuation

DCF intrinsic value, peer multiples & estimates

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