Upside case
Bull case
$642381+934272.7%
WF would need investors to value it at roughly 48x earnings — about 48x more generous than today's 0x forward P/E. That requires meaningful multiple expansion on top of continued earnings growth.
Analysis OverviewBuyUpdated May 1, 2026
Woori Financial Group Inc. (WF) Stock Analysis
Wall Street verdict, consensus price target, and analyst rating breakdown — everything needed to frame the risk/reward at today's price.
Analyst consensus
Buy
Covering
2
analysts
1 bullish · 0 bearish · 2 covering WF
Strong Buy
0
Buy
1
Hold
1
Sell
0
Strong Sell
0
Consensus Target
—
— vs today
Scenario Range
$89325 – $642381
Model bear to bull value window
Coverage
2
Published analyst ratings
Valuation Context
0.0x
Forward P/E · Market cap $16.8B
WF price targets
Three scenarios for where WF stock could go
Current
~$69
Confidence
35 / 100
Updated
May 1, 2026
Where we are now
Current · $69
Bear
$89325
Base
$145909
Bull
$642381
Market caseClosest to today
Base case
$145909+212131.8%
At 11x on FY1 earnings, the base case reflects a reasonable but not stretched valuation. It prices in continued growth without assuming an exceptional setup.
Stress case
Bear case
$89325+129827.6%
The bear case assumes sentiment or fundamentals disappoint enough to push WF down roughly 129828% from the current price.
Not financial advice. Model confidence reflects internal scenario assumptions, not a guarantee of returns. Past performance does not predict future results.
Woori Financial Group Inc.
WF · NYSEFinancial ServicesBanks - RegionalDecember year-end
Woori Financial Group is a major South Korean commercial bank providing comprehensive financial services to individuals, businesses, and institutions. It generates revenue primarily through traditional banking operations — including interest income from loans (roughly 60-70% of total) and fees from credit cards, investment banking, and capital markets activities — with the remainder from insurance and other financial services. Its competitive advantage stems from its extensive domestic branch network, established customer relationships in Korea's concentrated banking market, and government support as one of the country's systemically important financial institutions.
Market Cap
$16.8B
Net Income TTM
$3.12T
WF Revenue and Earnings Performance
Quarterly beat-or-miss track record against analyst estimates, plus forward revenue and EPS outlook for the next two fiscal years.
EPS Beat Rate
64%Exceptional
12 quarters tracked
Revenue Beat Rate
45%Exceptional
vs consensus estimates
Avg EPS Surprise
+7.1%
above Street consensus
Beat / Miss Record
BeatMissLeft = EPS · Right = Revenue
Q4 2025
Q1 2026
Q1 2026
Q2 2026
Last 4 Quarters
EPS beats: 2 of 4Q4 2025
EPS
$3.57/$2.28
Revenue
$1.9B/$2.0B
Q1 2026
EPS
$0.86/$0.90
Revenue
$1.9B/$1.8B
Q1 2026
EPS
$0.93/$0.90
Revenue
$1.9B/$1.8B
Q2 2026
EPS
$1.59/$2.27
Revenue
$1.9B/$1.9B
| Quarter | EPS (Actual / Est) | EPS Surprise | Revenue (Actual / Est) | Rev Surprise |
|---|---|---|---|---|
| Q4 2025 | $3.57/$2.28 | +56.6% | $1.9B/$2.0B | -2.8% |
| Q1 2026 | $0.86/$0.90 | -4.2% | $1.9B/$1.8B | +2.2% |
| Q1 2026 | $0.93/$0.90 | +3.3% | $1.9B/$1.8B | +1.9% |
| Q2 2026 | $1.59/$2.27 | -30.0% | $1.9B/$1.9B | -2.3% |
FY1–FY2 Estimates
Revenue Outlook
FY1
$28.00T
-0.6% YoY
FY2
$30.56T
+9.1% YoY
EPS Outlook
FY1
$17924.37
+45.9% YoY
FY2
$18967.25
+5.8% YoY
Trailing FCF (TTM)-$775.1B
Next Earnings
—
Expected EPS
—
Expected Revenue
—
WF beat EPS estimates in 2 of 4 tracked quarters. Mixed delivery makes the upcoming report a key data point for re-rating.
WF Revenue Breakdown by Segment
Product and geographic revenue mix from the latest annual disclosure, with year-over-year growth by segment.
Latest disclosure
FY 2018
Total disclosed revenue $11.75T
Product Mix
Latest annual revenue by segment or product family
Segment breakdown not available for this company.
Geographic Mix
Latest annual revenue by reported region
Country of domicile
88.8%
-53.1% YoY
Tap, hover, or focus a slice to inspect segment detail.
Country of domicile is the largest reported region at 88.8%, down 53.1% YoY.
WF Valuation Snapshot
Current multiples compared to the S&P 500, the company's sector, and its own five-year average.
Relative Value Signal
Significantly Undervalued
Fair value est. $91572 — implies +130903.9% from today's price.
Upside to Fair Value
130903.9%
potential upside
Deep DiscountFair ValueVery Expensive
vs S&P 500 Trailing P/E
WF
7.7x
vs
S&P 500
25.2x
70% discount
vs Financial Services Trailing P/E
WF
7.7x
vs
Financial Services
13.4x
42% discount
vs WF 5Y Avg P/E
Today
7.7x
vs
5Y Average
0.0x
+247371% premium
Forward PE
0.0x
S&P 500
19.1x
-100%
Financial Services
10.5x
-100%
5Y Avg
—
—
Trailing PE
7.7x
S&P 500
25.2x
-70%
Financial Services
13.4x
-42%
5Y Avg
0.0x
+247371%
PEG Ratio
0.38x
S&P 500
1.75x
-78%
Financial Services
1.03x
-62%
5Y Avg
—
—
EV/EBITDA
17.8x
S&P 500
15.3x
+16%
Financial Services
11.4x
+56%
5Y Avg
9.8x
+81%
Price/FCF
3.6x
S&P 500
21.3x
-83%
Financial Services
10.6x
-66%
5Y Avg
0.0x
+126720%
Price/Sales
0.9x
S&P 500
3.1x
-72%
Financial Services
2.3x
-62%
5Y Avg
0.0x
+165559%
Dividend Yield
3.72%
S&P 500
1.88%
+98%
Financial Services
2.68%
+38%
5Y Avg
—
—
| Metric | WF | S&P 500 | Financial Services | 5Y Avg WF |
|---|---|---|---|---|
| Forward PE | 0.0x | 19.1x-100% | 10.5x-100% | — |
| Trailing PE | 7.7x | 25.2x-70% | 13.4x-42% | 0.0x+247371% |
| PEG Ratio | 0.38x | 1.75x-78% | 1.03x-62% | — |
| EV/EBITDA | 17.8x | 15.3x+16% | 11.4x+56% | 9.8x+81% |
| Price/FCF | 3.6x | 21.3x-83% | 10.6x-66% | 0.0x+126720% |
| Price/Sales | 0.9x | 3.1x-72% | 2.3x-62% | 0.0x+165559% |
| Dividend Yield | 3.72% | 1.88% | 2.68% | — |
WF trades above S&P 500 benchmarks on 1 of 6 measured multiples — appears modestly priced relative to the S&P 500 on most measures.
Forward P/E and PEG reflect analyst consensus estimates. Historical averages use trailing ratios where forward data is unavailable.S&P 500 and sector benchmarks both use trailing median P/E — similar readings indicate the broader index and sector are priced alike.
Open valuation toolWF Financial Health
Verdict
Stressed
WF generates 8.8% ROE and 0.6% return on assets — the two primary signals for banking profitability. FCF-based metrics are not applicable to financial companies.
Earnings Engine
Revenue, profitability, and return on capital
Revenue (TTM)
Trailing-twelve-month sales base
—
Revenue Growth
TTM vs prior year
—
Operating Margin
Operating income divided by revenue
—
Net Margin
Net income divided by revenue
—
EPS (TTM)
Diluted earnings per share, trailing twelve months
$12288.48
ROE
Return on equity — the primary profitability signal for banks
8.8%
Capital Quality
ROIC, leverage, and debt serviceability
ROIC
Return on invested capital — primary competitive quality signal
2.5%
ROA
Return on assets, trailing twelve months
0.6%
Cash & Equivalents
Liquid assets on the balance sheet
$26.36T
Net Debt
Total debt minus cash
$68.16T
FCF Analysis
Traditional FCF and debt/FCF ratios are not meaningful for financial companies. Focus on ROE and ROA above.
ROE
Return on equity — the headline bank profitability metric
8.8%
Shareholder Returns
How capital is returned to owners
Total shareholder yield
4.3%
Dividend
3.7%
Buyback
0.6%
Share Repurchases
Trailing buyback outflow — dollar magnitude of capital returned
$152.0B
Dividend / Share
Annualized trailing dividend per share
$3718.88
Payout Ratio
Share of earnings distributed as dividends
28.6%
Shares Outstanding
Declining as buybacks retire shares
244M
All figures from the trailing twelve months. For financial companies, ROE and ROA are the primary health signals — FCF-based metrics are not applicable.
Open full ratios pageWF Stock Risk Factors
Key factors that could pressure the stock price, compress the multiple, or weigh on future results.
AI analysis · updated April 29, 2026
High Risk
Regulatory and Compliance Issues
Wells Fargo has a history of scandals leading to ongoing regulatory scrutiny. Although the Federal Reserve lifted its 2018 enforcement action in March 2026, the bank's credibility remains damaged, affecting investor confidence.
High Risk
Earnings Misses
Wells Fargo's first-quarter 2026 earnings fell short of revenue expectations, contributing to a stock decline. This follows a similar trend in fourth-quarter 2025, raising concerns about future interest rate cuts and overall financial performance.
High Risk
Commercial Real Estate Vulnerabilities
The bank's commercial real estate portfolio presents significant vulnerabilities that could impact financial stability. As macroeconomic conditions fluctuate, these vulnerabilities may lead to increased credit costs.
Medium
Net Interest Margin Compression
Anticipated compression in net interest margins, coupled with rising energy costs, poses a threat to Wells Fargo's profitability. This trend is affecting the broader banking sector and could lead to reduced earnings.
Medium
High Expenses and Efficiency Ratio
Wells Fargo's efficiency ratio stands at 65.5%, which is high compared to peers, limiting its ability to improve margins sustainably. High operational expenses continue to be a headwind for the bank.
Lower
Macroeconomic Headwinds
Broader market selloffs and fluctuations in oil prices have raised inflation concerns, which could negatively impact bank stocks, including Wells Fargo. Weak U.S. payroll data adds to the uncertainty in the macroeconomic landscape.
Lower
Insider Selling
Recent insider selling of Wells Fargo stock raises potential concerns about management's confidence in the company's future performance. Such actions can signal to investors a lack of optimism regarding the bank's prospects.
Lower
Industry Competition
The highly competitive banking sector requires Wells Fargo to continuously innovate to maintain its market position. Failure to adapt could result in loss of market share and reduced profitability.
These are risk mechanisms, not predictions. The key question is which would force a cut to earnings estimates or a lower multiple than the market currently prices in.
Why WF Stock Could Outperform
Structural drivers behind the upside case and why the stock could outperform over the next 12 months.
AI analysis · updated April 29, 2026
Unassailable Moat and Pricing Power
Waste Management possesses a nearly unassailable moat due to high barriers to entry for new landfills, which are difficult to permit, regulate, and finance. This structural advantage allows the company significant pricing power, with many contracts including automatic inflation pass-throughs, protecting margins.
Durable Business Model and Predictable Revenue
The company operates an integrated waste management system that captures value across the entire waste value chain, from collection to disposal and recycling. Waste generation is an essential and recurring service, providing predictable revenue even during economic downturns.
Sustainability and Growth Initiatives
WM is making substantial investments in renewable natural gas (RNG) and advanced recycling facilities, which are expected to generate long-term recurring cash flow. These sustainability investments and the adoption of automation and technology are driving growth, margin expansion, and improved EBITDA.
Strong Financial Performance and Shareholder Returns
The company has a track record of strong performance driving cash flow from operations. Waste Management has consistently increased its dividends for over two decades and has a significant share repurchase program, planning to return a large portion of its free cash flow to shareholders.
Operational Efficiency and Margin Expansion
Investments in technology and automation are leading to improved operational efficiency and margin expansion. The company has achieved record operating EBITDA margins and has seen operating expenses fall as a percentage of revenue.
A real bull case compounds — each driver matters most when it strengthens margins, supports capital returns, and keeps the company above the market's minimum growth bar simultaneously.
WF Stock Price Performance
52-week range context and price returns across multiple time horizons. Dividend contribution is shown separately in the Capital Return section.
Current Price
$68.75
52W Range Position
66%
52-Week Range
Current price plotted between the 52-week low and high.
52-Week Low
$37.35
+84.1% from the low
52-Week High
$84.71
-18.8% from the high
1 Month
+4.32%
3 Month
-0.78%
YTD
+16.1%
1 Year
+79.7%
3Y CAGR
+36.6%
5Y CAGR
+18.0%
10Y CAGR
+10.1%
Range context matters because valuation compression and earnings misses rarely hit from the same starting point. A stock already far below its high can still fall, but it is no longer carrying the same embedded optimism as one pressing a fresh peak.
WF vs Peers
Valuation, growth, and margin comparison against the closest publicly traded peers for this company.
Peer Set
Accurate peer set
Forward PE
0.0x
vs 0.1x median
-94% below peer median
Revenue Growth
-0.6%
vs +8.2% median
-108% below peer median
Net Margin
—
vs — median
Peer median unavailable
| Company | Mkt Cap | Fwd PE | Rev Grw | Margin | Rating | Upside |
|---|---|---|---|---|---|---|
WF WF Woori Financial Group Inc. | $16.8B | 0.0x | -0.6% | — | Buy | — |
KB KB KB Financial Group Inc. | $39.3B | 0.0x | +19.8% | — | Hold | — |
SHG SHG Shinhan Financial Group Co., Ltd. | $34.1B | 0.0x | +1.9% | — | Buy | — |
HDB HDB HDFC Bank Limited | $196.1B | 0.2x | +8.2% | — | Hold | — |
IBN IBN ICICI Bank Limited | $95.7B | 0.2x | +12.4% | — | Buy | — |
MFG MFG Mizuho Financial Group, Inc. | $108.9B | 0.1x | -1.2% | — | Hold | +13.0% |
This peer comparison reflects companies with similar business models, product lines, or market positioning, supplemented by industry grouping when direct matches are limited.
WF Dividend and Capital Return
WF returns 4.3% total yield, led by a 3.72% dividend. Buybacks add another 0.6%.
Dividend SustainableFCF Unknown
Total Shareholder Yield
4.3%
Dividend + buyback return per year
Buyback Yield
0.6%
Dividend Yield
3.72%
Payout Ratio
28.6%
How WF Splits Its Return
Div 3.72%
Dividend 3.72%Buybacks 0.6%
Dividend Profile
Yield, cadence, and growth quality
Dividend / Share
Trailing annualized cash dividend
$3718.88
Growth Streak
Consecutive years of dividend increases
2Y
3Y Div CAGR
3.9%
5Y Div CAGR
27.3%
Ex-Dividend Date
—
Payment Cadence
Quarterly
4 payments over the last 12 months
Buyback Engine
How much per-share support comes from repurchases
Repurchases (TTM)
Cash used for buybacks in the latest trailing period
$152.0B
Estimated Shares Retired
2.2B
Approx. Share Reduction
907.5%
Shares Outstanding
Current diluted share count from the screening snapshot
244M
At 907.5%/year, buybacks mechanically lift EPS even with flat earnings — each remaining share represents a slightly larger piece of the company.
| Year | Div / Share | YoY Grw | BB Yield | Total Yield |
|---|---|---|---|---|
| 2026 | $1.53 | — | — | — |
| 2025 | $2.42 | +14.9% | 100.0% | 100.0% |
| 2024 | $2.11 | +229.3% | 100.0% | 100.0% |
| 2023 | $0.64 | -70.3% | 100.0% | 100.0% |
| 2022 | $2.16 | +17.8% | 100.0% | 100.0% |
FAQ
6 questionsWF Investor Questions
Common questions answered from live analyst data and company financials.
01Is Woori Financial Group Inc. (WF) stock a buy or sell in 2026?
Woori Financial Group Inc. (WF) is rated Buy by Wall Street analysts as of 2026. Of 2 analysts covering the stock, 1 rate it Buy or Strong Buy, 1 rate it Hold, and 0 rate it Sell or Strong Sell. The bear case scenario is $89325 and the bull case is $642381.
02Is Woori Financial Group Inc. (WF) stock overvalued in 2026?
WF trades at 0.0x times forward earnings. The stock currently trades at a discount to the broader market. Based on current multiples versus the peer group, the relative model signals significantly undervalued. Whether the stock is over or undervalued ultimately depends on whether consensus earnings estimates are achievable.
03What are the main risks for Woori Financial Group Inc. (WF) stock in 2026?
The primary risks for WF in 2026 are: (1) Regulatory and Compliance Issues — Wells Fargo has a history of scandals leading to ongoing regulatory scrutiny. (2) Earnings Misses — Wells Fargo's first-quarter 2026 earnings fell short of revenue expectations, contributing to a stock decline. (3) Commercial Real Estate Vulnerabilities — The bank's commercial real estate portfolio presents significant vulnerabilities that could impact financial stability. Each factor has the potential to pressure earnings or compress the stock's valuation multiple.
04What is Woori Financial Group Inc.'s revenue and earnings forecast?
Analyst consensus estimates WF will report consensus revenue of $28.00T (-0.6% year-over-year) and EPS of $17924.37 (+45.9% year-over-year) for the upcoming fiscal year. The following year, analysts project $30.56T in revenue.
05When does Woori Financial Group Inc. (WF) report its next earnings?
A confirmed upcoming earnings date for WF is not yet available. Check the Earnings section above for the most recent quarterly report dates and forward estimates.
06How much free cash flow does Woori Financial Group Inc. generate?
Woori Financial Group Inc. (WF) had a free cash outflow of $775.1B in free cash flow over the trailing twelve months. WF returns capital to shareholders through dividends (3.7% yield) and share repurchases ($152.0B TTM).