Woori Financial Group Inc. (WF) Financial Ratios
11 years of historical data (2015–2025) · Financial Services · Banks - Regional
EV/EBITDA
↑
17.76
↑+81% vs avg
5yr avg: 9.81
30Y Low7.2·High38.0
P/FCF
↑
3.64
↑+126720% vs avg
5yr avg: 0.00
30Y Low0.0·High0.0
P/B Ratio
↑
0.74
↑+273769% vs avg
5yr avg: 0.00
30Y Low0.0·High0.0
ROE
↑
9.4%
↓+3% vs avg
5yr avg: 9.1%
30Y Low5%·High11%
Debt/EBITDA
↑
18.14
↑+21% vs avg
5yr avg: 14.98
30Y Low12.2·High29.8
Percentile shows where the current value sits in 30-year historical distribution. Sparklines show 5-year trend.
WF Valuation Multiples
Price-based multiples — how expensive the stock is relative to earnings, sales, book value, and cash flow
Woori Financial Group Inc. trades at 7.7x earnings, 247371% above its 5-year average of 0.0x, sitting at the 100th percentile of its historical range. Compared to the Financial Services sector median P/E of 13.4x, the stock trades at a discount of 42%. On a free-cash-flow basis, the stock trades at 3.6x P/FCF, 126720% above the 5-year average of 0.0x.
| Metric | TTM | FY 2025 | FY 2024 | FY 2023 | FY 2022 | FY 2021 | FY 2020 | FY 2019 | FY 2018 | FY 2017 | FY 2016 |
|---|---|---|---|---|---|---|---|---|---|---|---|
| Market Cap | $16.8B | $14.9B | $7.7B | $7.4B | $6.7B | $7.8B | $6.6B | $6.9B | $9.5B | $10.1B | $7.3B |
| Enterprise Value | $63.6B | $68.17T | $56.55T | $45.81T | $39.18T | $49.35T | $48.30T | $45.53T | $42.92T | $39.66T | $61.87T |
| P/E Ratio → | 7.69 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.01 | 0.00 | 0.00 | 0.01 | 0.01 |
| P/S Ratio | 0.87 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 |
| P/B Ratio | 0.74 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 |
| P/FCF | 3.64 | 0.00 | — | 0.01 | 0.00 | — | 0.00 | 0.01 | 0.00 | — | 0.00 |
| P/OCF | 3.47 | 0.00 | — | 0.00 | 0.00 | — | 0.00 | 0.00 | 0.00 | — | 0.00 |
P/E links to full P/E history page with 30-year chart
WF EV Ratios
Enterprise-value multiples — capital-structure-neutral measures of total business value
Woori Financial Group Inc.'s enterprise value stands at 17.8x EBITDA, 81% above its 5-year average of 9.8x. The Financial Services sector median is 11.4x, placing the stock at a 56% premium on an enterprise-value basis.
| Metric | TTM | FY 2025 | FY 2024 | FY 2023 | FY 2022 | FY 2021 | FY 2020 | FY 2019 | FY 2018 | FY 2017 | FY 2016 |
|---|---|---|---|---|---|---|---|---|---|---|---|
| EV / Revenue | — | 2.42 | 2.20 | 4.82 | 2.25 | 3.95 | 7.03 | 3.66 | 3.74 | 3.75 | 6.35 |
| EV / EBITDA | 17.76 | 13.08 | 10.50 | 7.30 | 7.15 | 11.02 | 13.41 | 14.10 | 13.95 | 18.15 | 34.27 |
| EV / EBIT | 22.32 | 16.85 | 13.39 | 13.44 | 8.62 | 13.38 | 24.13 | 16.72 | 15.30 | 20.35 | 39.83 |
| EV / FCF | — | 10.18 | — | 37.28 | 2.14 | — | 14.45 | 34.64 | 4.84 | — | 13.50 |
WF Profitability
Margins and return-on-capital ratios measuring operating efficiency
Woori Financial Group Inc. earns an operating margin of 14.7%, below the Financial Services sector average of 21.2%. Operating margins have compressed from 55.6% to 14.7% over the past 3 years, signaling potential cost pressures or competitive headwinds. ROE of 9.4% is modest, trailing the sector median of 9.4%. ROIC of 2.5% represents below-average returns on invested capital versus a sector median of 5.7%.
Margins
Full margin charts and quarterly trend are on the Earnings History page
| Metric | TTM | FY 2025 | FY 2024 | FY 2023 | FY 2022 | FY 2021 | FY 2020 | FY 2019 | FY 2018 | FY 2017 | FY 2016 |
|---|---|---|---|---|---|---|---|---|---|---|---|
| Gross Margin | 48.8% | 48.8% | 42.4% | 104.5% | 60.7% | 72.5% | 100.0% | 59.3% | 62.0% | 61.1% | 55.6% |
| Operating Margin | 14.7% | 14.7% | 16.4% | 55.6% | 26.2% | 29.5% | 44.7% | 21.9% | 24.4% | 18.4% | 15.9% |
| Net Profit Margin | 11.7% | 11.7% | 12.0% | 26.4% | 18.3% | 20.3% | 19.0% | 15.1% | 17.7% | 14.3% | 12.9% |
Return on Capital
| Metric | TTM | FY 2025 | FY 2024 | FY 2023 | FY 2022 | FY 2021 | FY 2020 | FY 2019 | FY 2018 | FY 2017 | FY 2016 |
|---|---|---|---|---|---|---|---|---|---|---|---|
| ROE | 9.4% | 9.4% | 8.9% | 7.7% | 10.5% | 9.2% | 5.0% | 7.9% | 9.6% | 8.1% | 7.7% |
| ROA | 0.6% | 0.6% | 0.6% | 0.5% | 0.7% | 0.6% | 0.3% | 0.5% | 0.6% | 0.5% | 0.4% |
| ROIC | 2.5% | 2.5% | 2.8% | 3.7% | 3.3% | 3.0% | 2.8% | 2.7% | 3.0% | 2.2% | 1.9% |
| ROCE | 1.2% | 1.2% | 3.1% | 4.2% | 4.1% | 0.9% | 1.3% | 3.3% | 3.7% | 1.1% | 0.6% |
WF Leverage & Debt
Solvency and debt-coverage ratios — lower is generally safer
Woori Financial Group Inc. carries a Debt/EBITDA ratio of 18.1x, which is highly leveraged (339% above the sector average of 4.1x). Net debt stands at $68.2T ($94.5T total debt minus $26.4T cash). Interest coverage of just 0.3x is concerning — the company has limited headroom to absorb earnings volatility before struggling with debt service.
| Metric | TTM | FY 2025 | FY 2024 | FY 2023 | FY 2022 | FY 2021 | FY 2020 | FY 2019 | FY 2018 | FY 2017 | FY 2016 |
|---|---|---|---|---|---|---|---|---|---|---|---|
| Debt / Equity | 2.77 | 2.77 | 2.34 | 2.29 | 2.32 | 2.42 | 2.18 | 2.04 | 2.26 | 2.26 | 2.71 |
| Debt / EBITDA | 18.14 | 18.14 | 15.56 | 12.16 | 13.40 | 15.62 | 16.18 | 16.08 | 16.14 | 21.31 | 25.43 |
| Net Debt / Equity | — | 2.00 | 1.58 | 1.37 | 1.24 | 1.71 | 1.81 | 1.79 | 1.95 | 1.93 | 3.65 |
| Net Debt / EBITDA | 13.08 | 13.08 | 10.50 | 7.29 | 7.15 | 11.02 | 13.40 | 14.10 | 13.94 | 18.15 | 34.27 |
| Debt / FCF | — | 10.18 | — | 37.28 | 2.14 | — | 14.45 | 34.63 | 4.84 | — | 13.50 |
| Interest Coverage | 0.33 | 0.33 | 0.32 | 0.29 | 0.76 | 1.27 | 0.57 | 0.58 | 0.70 | 0.59 | 0.44 |
WF Liquidity & Efficiency
Short-term solvency ratios and asset-utilisation metrics
The current ratio of 0.93x is below 1.0, meaning current liabilities exceed current assets — though the company's $26.4T cash position helps mitigate short-term liquidity concerns. The current ratio has improved from 0.04x to 0.93x over the past 3 years.
| Metric | TTM | FY 2025 | FY 2024 | FY 2023 | FY 2022 | FY 2021 | FY 2020 | FY 2019 | FY 2018 | FY 2017 | FY 2016 |
|---|---|---|---|---|---|---|---|---|---|---|---|
| Current Ratio | 0.93 | 0.93 | 0.22 | 0.04 | 0.21 | — | 11.26 | 0.17 | 0.15 | 0.15 | 1.02 |
| Quick Ratio | 0.93 | 0.93 | 0.22 | 0.04 | 0.21 | — | 11.26 | 0.17 | 0.15 | 0.15 | 1.02 |
| Cash Ratio | 0.53 | 0.53 | 0.07 | 0.08 | 0.10 | — | 2.48 | 0.02 | 0.03 | 0.03 | -0.47 |
| Asset Turnover | — | 0.05 | 0.05 | 0.02 | 0.04 | 0.03 | 0.02 | 0.03 | 0.03 | 0.03 | 0.03 |
| Inventory Turnover | — | — | — | — | — | — | — | — | — | — | — |
| Days Sales Outstanding | — | — | — | — | — | — | — | — | — | — | — |
WF Shareholder Yields
Earnings, FCF, buyback, and dividend yields — total returns to shareholders
Woori Financial Group Inc. returns 4.3% to shareholders annually — split between a 3.7% dividend yield and 0.6% buyback yield. The payout ratio of 28.6% is conservative, leaving significant room for dividend growth or reinvestment. The earnings yield of 13.0% (inverse of P/E) provides a useful comparison to bond yields when assessing the stock's relative attractiveness to fixed income.
Dividends
Full dividend history and growth charts are on the Dividend History page
| Metric | TTM | FY 2025 | FY 2024 | FY 2023 | FY 2022 | FY 2021 | FY 2020 | FY 2019 | FY 2018 | FY 2017 | FY 2016 |
|---|---|---|---|---|---|---|---|---|---|---|---|
| Dividend Yield | 3.7% | 100.0% | 100.0% | 100.0% | 100.0% | 100.0% | 100.0% | 100.0% | 100.0% | 100.0% | 100.0% |
| Payout Ratio | 28.6% | 28.6% | 28.5% | 39.0% | 23.4% | 17.1% | 42.4% | 32.0% | 16.6% | 22.3% | 13.3% |
Total Shareholder Return Metrics
| Metric | TTM | FY 2025 | FY 2024 | FY 2023 | FY 2022 | FY 2021 | FY 2020 | FY 2019 | FY 2018 | FY 2017 | FY 2016 |
|---|---|---|---|---|---|---|---|---|---|---|---|
| Earnings Yield | 13.0% | 22125.5% | 37910.7% | 32062.6% | 45671.2% | 32502.2% | 19089.3% | 27014.3% | 21291.0% | 13275.3% | 14538.1% |
| FCF Yield | 27.5% | 45074.6% | — | 16587.0% | 273681.5% | — | 50695.3% | 19010.7% | 92835.6% | — | 63171.1% |
| Buyback Yield | 0.6% | 100.0% | 100.0% | 100.0% | 100.0% | 48.4% | 100.0% | 100.0% | 0.0% | 0.0% | 100.0% |
| Total Shareholder Yield | 4.3% | 100.0% | 100.0% | 100.0% | 100.0% | 100.0% | 100.0% | 100.0% | 100.0% | 100.0% | 100.0% |
| Shares Outstanding | — | $253M | $247M | $245M | $243M | $241M | $241M | $228M | $227M | $227M | $227M |
Peer Comparison
Compare WF with 10 similar companies in its peer group
| Company | Market Cap | P/E | EV/EBITDA | P/FCF | Gross Margin | Op Margin | ROE | ROIC | Debt/EBITDA |
|---|---|---|---|---|---|---|---|---|---|
 WFYou | $17B | 7.7 | 17.8 | 3.6 | 48.8% | 14.7% | 9.4% | 2.5% | 18.1 |
 KB | $39B | 10.6 | 6.7 | — | 49.1% | 16.8% | 9.7% | 4.9% | — |
 SHG | $34B | 9.6 | 22.5 | 8.0 | 53.3% | 17.9% | 8.8% | 2.5% | 19.0 |
 HDB | $196B | 17.6 | 24.7 | 16.5 | 52.2% | 20.5% | 8.2% | 4.0% | 8.1 |
 IBN | $96B | 17.9 | 11.6 | 11.8 | 68.1% | 24.8% | 17.0% | 10.9% | 2.7 |
 MFG | $109B | 19.7 | 3.9 | — | 41.8% | 13.8% | 8.5% | 1.3% | 43.6 |
 SMFG | $139B | 11.4 | 2.3 | 4.7 | 48.9% | 17.6% | 7.9% | 2.1% | 29.4 |
 USB | $87B | 12.2 | 11.5 | — | 62.8% | 22.2% | 12.2% | 5.2% | 7.6 |
 PNC | $90B | 16.2 | 14.0 | 11.4 | 59.4% | 21.5% | 11.2% | 4.5% | 8.2 |
 CFG | $28B | 21.7 | 12.4 | 15.1 | 57.6% | 15.3% | 6.2% | 3.8% | 5.2 |
 RF | $24B | 12.3 | 6.6 | 11.2 | 74.6% | 28.5% | 11.7% | 8.5% | 1.7 |
| Financial Services Median | — | 13.4 | 11.4 | 10.6 | 63.4% | 21.2% | 9.4% | 5.7% | 4.1 |
Peer selection based on competitive and market overlap. Compare multiple stocks →
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Start ComparisonWF — Frequently Asked Questions
Quick answers to the most common questions about buying WF stock.
What is Woori Financial Group Inc.'s P/E ratio?
Woori Financial Group Inc.'s current P/E ratio is 7.7x. The historical average is 0.0x. This places it at the 100th percentile of its historical range.
What is Woori Financial Group Inc.'s EV/EBITDA?
Woori Financial Group Inc.'s current EV/EBITDA is 17.8x. This enterprise value multiple compares the company's total value (equity + debt - cash) to its EBITDA. The historical average is 16.4x.
What is Woori Financial Group Inc.'s ROE?
Woori Financial Group Inc.'s return on equity (ROE) is 9.4%. The historical average is 8.1%.
Is WF stock overvalued?
Based on historical data, Woori Financial Group Inc. is trading at a P/E of 7.7x. This is at the 100th percentile of its historical P/E range. Compare with industry peers and growth rates for a complete picture.
What is Woori Financial Group Inc.'s dividend yield?
Woori Financial Group Inc.'s current dividend yield is 3.72% with a payout ratio of 28.6%.
What are Woori Financial Group Inc.'s profit margins?
Woori Financial Group Inc. has 48.8% gross margin and 14.7% operating margin. Operating margin between 10-20% is typical for established companies.
How much debt does Woori Financial Group Inc. have?
Woori Financial Group Inc.'s Debt/EBITDA ratio is 18.1x, indicating high leverage. A ratio above 4x may signal elevated financial risk.