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Updated: Aug 17, 2026
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Woori Financial Group

NYSE:WF·Stock Analysis Report
Day Range
$73.15 - $74.29
Market Cap
17.32B
P/E Ratio
8.1333
Avg Value
$66.77
Year Range
$48.83 - $84.71
$73.33$1.71 (2.39%)
1
General Information
Woori Financial Group Inc is a banking and financial services holding company that offers a wide range of businesses, including corporate banking, consumer banking, credit card operations, investment banking, capital markets activities, international banking, asset management, life insurance, and other businesses.

It provides products and services to customers, which mainly comprise small- and medium-sized enterprises and individuals, as well as some of Korea's corporations. It has six operational business segments: banking, life insurance, credit card, capital, investment securities, and other operations.

2
Woori Financial Group (WF) Stock Graph
3
How We Grade Woori Financial Group (WF)

We grade stocks based on past performance, their future growth potential, intrinsic value, dividend history, and overall financial health.

The chart below shows how we grade Woori Financial Group (WF) across the board compared to its closest peers.

4
Benzinga Edge Rankings

Benzinga Edge stock rankings give you four critical scores to help you identify the strongest and weakest stocks to buy and sell.

55.49

Growth measures a stock's combined historical expansion in earnings and revenue across multiple time periods, with emphasis on both long-term trends and recent performance.

Momentum measures a stock's relative strength based on its price movement patterns and volatility over multiple timeframes, ranked as a percentile against other stocks.

99.79

Quality is a composite ranking that evaluates a company's operational efficiency and financial health by analyzing historical profitability metrics and fundamental strength indicators on a percentile basis relative to peers.

Stock Score Locked: Want to See it?
Benzinga Rankings give you vital metrics on any stock – anytime.
5
Valuation

Earnings History (3 years)

It is important to look at a companies earnings history to see not only if they are profitable, but if their earnings are growing.
As you can see from the chart above, WF's earnings have increased for the past three years, this is a positive sign for the stock.
6
Dividend
There are few things we like to see when evaluating the quality of a company's dividend history and future

Ideally, we would like to see a company have a long history of consistently high dividend payouts that have grown at a consistent rate. From here we want to be confident that this sort of dividend growth and consistency will persist into the future.

The chart below shows the historical trend in Woori Financial Group (WF) dividend yield on an annual basis.

-49.79%
Woori Financial Group (WF) saw a decrease in its dividend yield since 2023
7
Past Performance
How has Woori Financial Group (WF) performed over the past 5 years?

The two main factors that we consider when analyzing past performance is overall return and volatility

Using these two metrics, we can determine if this stock gave its investors enough return for the risk that they took on by owning it. This is measured by the sharpe ratio, which has been used as a primary measure of risk/reward trade-off for almost 60 years.

This ratio can be interpreted as the amount of return an investor has received for the amount of risk that they took on by owning the stock over that timeframe.

Woori Financial Group (WF) sharpe ratio over the past 5 years is 1.6444 which is considered to be above average compared to the peer average of 0.7532

8
Company Financials
INCOME STATEMENT
The income statement also known as the profit and loss statement, primarily focuses on the company's revenues and expenses during a particular period.

The main purpose of an income statement is to convey details of profitability and business activities. Below, is WF's income statement for the previous four years along with its trailing-twelve- month profit & loss.

FISCAL YEAR (BIL.)
2022 ($)
2023 ($)
2024 ($)
2025 ($)
TTM ($)
Total Revenue
11,428.16
11,800.21
12,622.83
13,291.57
13,493.24
Operating Revenue
11,428.16
11,800.21
12,622.83
13,291.57
13,493.24
Cost Of Revenue
Gross Profit
Operating Expense
Selling General And Administration
4,111.97
4,049.36
4,234.81
4,725.78
4,794.17
Research and Development
Operating Income
Net Non-Operating Interest Income Expense
Other Income Expense
Other Non-Operating Income Expenses
30.54
-83.21
-24.07
-85.54
-83.62
Pre-Tax Income
4,547.57
3,517.45
4,222.85
4,090.17
4,073.76
Tax Provision
1,178.50
890.56
1,051.38
862.66
861.38
Net Income
3,186.77
2,506.30
3,086.00
3,124.35
3,111.97
Net Income Common Stockholders
3,095.02
2,375.15
2,927.31
2,974.29
2,962.39
Total Operating Income As Reported
Total Expenses
Net Income From Continuing And Discontinued Operation
3,186.77
2,506.30
3,086.00
3,124.35
3,111.97
Normalized Income
3,304.35
2,655.90
3,126.69
2,781.41
2,771.88
Interest Income
14,654.55
20,641.55
22,013.34
21,188.74
21,279.37
Interest Expense
5,957.97
11,899.01
13,127.00
12,157.97
12,197.44
Net Interest Income
8,696.58
8,742.54
8,886.34
9,030.77
9,081.93
EBIT
EBITDA
Reconciled Cost Of Revenue
Reconciled Depreciation
929.31
993.18
1,163.80
1,250.61
1,259.20
Normalized EBITDA
Tax Rate For Calcs
0.00
0.00
0.00
0.00
0.25
Tax Effect Of Unusual Items
-45.36
-43.02
-16.71
43.92
42.27
BALANCE SHEET
The balance sheet is a snapshot of a companies financials during a particular period in time.

It breaks down what company owns (assets) and what a company owes (liabilities), in order to give investors an overview of its capital structure.

FISCAL YEAR (BIL.)
2022 ($)
2023 ($)
2024 ($)
2025 ($)
TTM ($)
Total Assets
480,474.40
498,004.94
525,753.32
601,457.29
612,585.30
Current Assets
Total Non-Current Assets
Total Liabilities Net Minority Interest
448,847.05
464,607.45
489,858.05
563,598.04
572,678.99
Current Liabilities
Other Non-Current Liabilities
Total Equity Gross Minority Interest
31,627.34
33,397.49
35,895.27
37,859.25
39,906.31
Stockholders Equity
Total Capitalization
99,511.18
106,415.23
115,677.66
124,953.05
126,148.08
Common Stock Equity
28,761.90
31,666.88
34,096.84
36,017.34
38,008.00
Net Tangible Assets
27,111.25
29,876.53
32,226.45
34,154.71
36,137.32
Working Capital
Invested Capital
99,511.18
106,415.23
115,677.66
124,953.05
126,148.08
Tangible Book Value
27,111.25
29,876.53
32,226.45
34,154.71
36,137.32
Total Debt
71,068.45
75,082.80
82,107.91
89,477.29
88,697.73
Net Debt
36,530.14
44,191.73
54,299.70
50,436.04
53,265.69
Share Issued
0.73
0.75
0.74
0.73
0.73
Ordinary Shares Number
0.73
0.75
0.74
0.73
0.73
CASH FLOW STATEMENTS
A companies statement of cash flows gives an investor a break down of the cash inflows and outflows from a companies operations and investment activities.
FISCAL YEAR (BIL.)
2022 ($)
2023 ($)
2024 ($)
2025 ($)
TTM ($)
Cash Flow from Continuing Operating Activities
18,624.12
1,621.94
-6,129.30
13,642.39
10,938.81
Net Income from Continuing Operations
3,369.07
2,626.89
3,171.47
3,227.51
3,212.39
Depreciation and Amortization
929.31
993.18
1,163.80
1,250.61
1,259.20
Deferred Tax
1,178.50
890.56
1,051.38
862.66
861.38
Deferred Income Tax
1,178.50
890.56
1,051.38
862.66
861.38
Stock-Based Compensation
Other Non-Cash Items
-8,730.29
-8,662.88
-8,834.03
-9,204.75
-9,137.35
Change in Working Capital
11,998.67
-4,116.67
-13,479.20
9,225.27
6,491.53
Change in Receivables
Changes in Account Receivables
Change in Inventory
Change in Payables and Accrued Expense
Change in Payable
Change in Account Payable
Change in Other Current Assets
-1,314.88
-1,264.07
-1,254.51
-680.84
-736.46
Change in Other Current Liabilities
83.56
95.56
-9.17
-79.92
-187.57
Change in Other Working Capital
19,216.82
15,649.96
9,488.45
18,355.26
13,956.97
Cash Flow from Continuing Investing Activities
-6,968.69
-2,254.14
-34.30
-9,880.60
-9,287.32
Net PPE Purchase and Sale
-128.04
-145.69
-211.13
-288.33
-310.53
Net Business Purchase and Sale
-829.83
-672.62
-898.59
-787.04
Purchase of Business
-829.83
-674.62
Net Investment Purchase and Sale
-6,058.97
-969.26
1,072.90
-8,676.15
-8,165.26
Purchase of Investment
-43,401.23
-40,933.85
-46,396.14
-69,265.87
-74,827.74
Sale of Investment
37,342.26
39,964.58
47,469.04
60,589.72
66,662.48
Net Other Investing Changes
114.80
15.88
-102.86
155.58
139.40
Financing Cash Flow
1,919.79
-2,860.18
1,245.34
7,685.34
6,487.94
Cash Flow from Continuing Financing Activities
1,919.79
-2,860.18
1,245.34
7,685.34
6,487.94
Net Issuance Payments of Debt
2,209.27
-1,055.95
2,344.33
9,740.29
8,158.92
Net Long-Term Debt Issuance
2,209.27
-1,055.95
2,344.33
9,740.29
8,158.92
Long-Term Debt Issuance
26,284.37
33,434.22
41,067.57
41,603.07
46,203.52
Long-Term Debt Payments
-24,075.10
-34,490.16
-38,723.24
-31,862.78
-38,044.60
Net Short-Term Debt Issuance
Net Common Stock Issuance
-131.87
-150.00
-232.37
Common Stock Issuance
4.83
0.00
Common Stock Payments
-136.70
-150.00
-232.37
Cash Dividends Paid
Net Other Financing Charges
365.51
-690.81
-88.79
-977.66
-511.32
End Cash Position
66,570.21
109,125.88
118,172.96
123,348.24
132,311.20
Changes in Cash
13,575.22
-3,492.38
-4,918.26
11,447.12
8,139.42
Beginning Cash Position
39,916.89
112,788.41
121,448.45
112,129.68
123,348.24
Capital Expenditure
-347.62
-393.20
-411.98
-506.43
-519.99
Issuance of Capital Stock
4.83
0.00
Issuance of Debt
26,284.37
33,434.22
41,067.57
41,603.07
46,203.52
Repayment of Debt
-24,075.10
-34,490.16
-38,723.24
-31,862.78
-38,044.60
Repurchase of Capital Stock
-136.70
-150.00
-232.37
Free Cash Flow
18,276.49
1,228.74
-6,541.28
13,135.96
10,418.82