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Woori Finance Holdings Co (WF) AI Stock Analysis
Woori Finance Holdings Co
(NYSE:WF)
The overall score of 60 reflects a balance between significant fundamental risks and compelling positives. The primary strengths are the very attractive valuation (low P/E, high dividend yield) and a strongly positive earnings call with bullish guidance on profitability and shareholder returns. These are weighed against financial performance concerns, specifically a sharp revenue decline and high leverage, and bearish technical momentum with the stock trading below key moving averages. The company's ability to stabilize revenue and maintain its strong cash flow will be critical for future performance.
Woori Finance Holdings Co (WF) vs. SPDR S&P 500 ETF (SPY)
- Market Cap
- $16.45B
- Dividend Yield
- 4.27%
- Average Volume (3M)
- 83.55K
- Price to Earnings (P/E)
- 7.5
- Beta (1Y)
- 0.90
- Revenue Growth
- 32.89%
- EPS Growth
- -9.62%
- Country
- US
- Employees
- 27,249
- Sector
- Financial
- Sector Strength
- 68
- Industry
- Banks - Diversified
Woori Finance Holdings Co Business Overview & Revenue Model
Company Description
Woori Financial Group Inc., together with its subsidiaries, operates as a bank which provides various financial services in Korea, China, the United States, the United Kingdom, Japan, and internationally. The company operates through Banking Insuranc...
How the Company Makes Money
Woori Finance Holdings Co makes money primarily through earnings generated by its financial subsidiaries, with the largest contribution typically coming from its banking operations. Key revenue streams include: (1) Net interest income: The group earn...
Woori Finance Holdings Co Earnings Call Summary
The call was strongly positive overall. Earnings exceeded KRW 1 trillion for a second consecutive quarter, profitability and noninterest income improved, credit costs declined, capital remained industry-leading, and shareholder-return initiatives were expanded. The principal challenges were the 7 bps Q-o-Q NIM decline, lower quarterly noninterest income, higher card delinquency, regulatory restrictions on a life-insurance product, and temporary CET1 pressure, but management provided specific explanations and expected improvements or normalization for several of these items.
Q3-2026 Updates
Positive Updates
Negative Updates
Company Guidance
Management said that in Q4 NIM will “at least remain or have a slight increase,” with asset refreshing starting from 2027 expected to improve NIM; it targets reducing credit cost by 15% and bringing the credit cost ratio to the “low 40 basis point range,” while 2026 CCR is expected to “stay well within the early 40 bps range.” CET1 is expected to be maintained in the 13.6% to 13.7% range, 2026 total shareholder return could be in the “mid-40 range” and “significantly higher than last year,” and, on a tax-exempt basis, “18.4% is added” so TSR is “above 50%”; nominal TSR next year is intended to “exceed 50%.” DPS is targeted to increase “on an annual basis more than 10%,” the quarterly dividend principle is expected to cover “at least 3 or 4 years,” and the company may reassess the nontaxable dividend around 2028. The ABL Tower is expected to be sold “by the end of this year,” and card delinquency rate and NPL ratio are expected to go down in Q4.
Woori Finance Holdings Co Financial Statement Overview
Summary
Financial performance is mixed. Cash flow is a clear strength with 31.7% TTM free cash flow growth and excellent net income conversion. However, the income statement shows a sharp 34.7% TTM revenue decline, and the balance sheet is highly leveraged with a debt-to-equity ratio near 2.5, posing significant risk. The strong cash generation is offset by top-line instability and high leverage.
Income Statement
45NeutralBalance Sheet
35NegativeCash Flow
75Positive| Breakdown | TTM | Dec 2025 | Dec 2024 | Dec 2023 | Dec 2022 | Dec 2021 |
|---|---|---|---|---|---|---|
Income Statement | ||||||
| Total Revenue | 9.22T | 4.12T | 25.75T | 23.70T | 17.39T | 12.51T |
| Gross Profit | 5.50T | 4.12T | 10.91T | 9.93T | 10.55T | 9.07T |
| EBITDA | 4.89T | 5.37T | 5.39T | 4.51T | 5.48T | 4.48T |
| Net Income | 3.29T | 3.24T | 3.09T | 2.51T | 3.19T | 2.54T |
Balance Sheet | ||||||
| Total Assets | 635.18T | 601.46T | 525.75T | 498.00T | 480.47T | 447.18T |
| Cash, Cash Equivalents and Short-Term Investments | 121.69T | 46.73T | 71.08T | 68.45T | 67.30T | 59.73T |
| Total Debt | 102.50T | 94.52T | 83.82T | 76.36T | 73.39T | 69.96T |
| Total Liabilities | 594.30T | 567.31T | 489.86T | 464.61T | 448.85T | 418.38T |
| Stockholders Equity | 38.88T | 32.31T | 34.10T | 31.67T | 28.76T | 25.80T |
Cash Flow | ||||||
| Free Cash Flow | 35.73T | 13.14T | -6.54T | 1.23T | 18.28T | 3.54T |
| Operating Cash Flow | 36.14T | 13.64T | -6.13T | 1.62T | 18.62T | 3.80T |
| Investing Cash Flow | -40.24T | -9.88T | -34.30B | -2.25T | -6.97T | -10.67T |
| Financing Cash Flow | 10.02T | 7.69T | 1.25T | -2.86T | 1.92T | 9.08T |
Woori Finance Holdings Co Technical Analysis
Price Trends
Market Momentum
Evaluating momentum and price trends is crucial in stock analysis to make informed investment decisions. For WF, the sentiment is Negative. The current price of 67.25 is below the 20-day moving average (MA) of 70.16, below the 50-day MA of 73.54, and below the 200-day MA of 68.33, indicating a bearish trend. The MACD of -2.13 indicates Positive momentum. The RSI at 38.44 is Neutral, neither overbought nor oversold. The STOCH value of 35.95 is Neutral, not indicating any strong overbought or oversold conditions. Overall, these indicators collectively point to a Negative sentiment for WF.
Woori Finance Holdings Co Risk Analysis
Woori Finance Holdings Co disclosed 46 risk factors in its most recent earnings report. Woori Finance Holdings Co reported the most risks in the "Finance & Corporate" category.
Latest Risks Added
3 New RisksWoori Finance Holdings Co Peers Comparison
Overall Rating
ING73Outperform
MUFG68Neutral
SMFG68Neutral
BBVA65.1Neutral- WF60Neutral
SAN59Neutral
Financial Indicators
| Name | Overall Rating | Market Cap | P/E Ratio | ROE | Dividend Yield | Revenue Growth | EPS Growth |
|---|---|---|---|---|---|---|---|
| ING | 73Outperform | $88.26B | 12.02 | 13.48% | 4.84% | 11.88% | 22.51% |
| MUFG | 68Neutral | $246.24B | 14.52 | 12.34% | 3.11% | 7.56% | 43.28% |
| SMFG | 68Neutral | $155.37B | 14.48 | 10.89% | 2.97% | 7.19% | 41.88% |
| Sector * | 68Neutral | $18.00B | 11.42 | 9.92% | 3.81% | 9.73% | 1.22% |
| BBVA | 65Neutral | $129.71B | 10.32 | 20.16% | 4.80% | -1.67% | 19.50% |
| WF | 60Neutral | $17.02B | 7.52 | 8.82% | 4.27% | 32.89% | -9.62% |
| SAN | 59Neutral | $164.86B | 9.12 | 15.04% | 2.46% | 21.16% | 27.88% |
* Financial Sector Average
Performance Comparison
| Show on chart | Ticker | Company Name | Price | Change | % Change |
|---|---|---|---|---|---|
| WF | Woori Finance | 67.25 | 13.23 | 24.49% | |
| BBVA | Banco Bilbao Viscaya Argentaria | 23.44 | 4.57 | 24.23% | |
| ING | Ing Groep N.V. | 31.46 | 7.24 | 29.89% | |
| MUFG | Mitsubishi Ufj Financial | 21.56 | 6.39 | 42.12% | |
| SMFG | Sumitomo Mitsui Financial | 24.20 | 7.85 | 48.01% | |
| SAN | Banco Santander US | 11.19 | 1.19 | 11.89% |
Woori Finance Holdings Co Corporate Events
Woori Financial Group Board Backs KRW 220 Quarterly Dividend on Common Shares
On October 23, 2026, Woori Financial Group’s board approved a resolution recommending a quarterly cash dividend of KRW 220 per common share, implying a total payout of about KRW 161.3 billion based on 733,028,922 shares as of October 22. The re...
Woori Financial Group Board Approves Cancellation of Treasury Shares
On October 23, 2026, Woori Financial Group’s board approved the cancellation of 57,369 common shares, drawn from previously acquired treasury stock and representing a small fraction of its 736,786,557 shares outstanding. The move, carried out u...
Woori Financial Group Posts Strong Q3 2026 Revenue; Woori Bank Earnings Surge
For the quarter ended September 30, 2026, Woori Financial Group reported preliminary consolidated revenue of KRW 13.3 trillion, up 1.0% quarter-on-quarter and 66.2% year-on-year, with operating income rising 7.9% from the previous quarter and 43.6% v...
Woori Financial Group Schedules 2026 Q3 Earnings Conference for October 23
Woori Financial Group Inc. announced that it will hold its 2026 third-quarter earnings release conference on Friday, October 23, 2026, at 16:00 Korea time. The event will be conducted via a live audio webcast and conference call, with materials avail...
Woori Financial Group Posts Reviewed First-Half 2026 Results With Clean Audit Opinion
Woori Financial Group Inc. reported its condensed consolidated interim financial statements for the three- and six-month periods ended June 30, 2026, alongside a comprehensive first-half 2026 business report covering operations, capital structure, fu...
Woori Financial Group Releases English 2025 Sustainability Report
Woori Financial Group Inc. reported that, on July 31, 2026, it published the English version of its 2025 Sustainability Report on its corporate website. The move enhances transparency around the group’s environmental, social, and governance per...
Woori Financial Group Board Clears Final Step in Tongyang Life Share Exchange
On April 24, 2026, Woori Financial Group’s board approved a share exchange agreement with TONGYANG Life Insurance Co., Ltd. to make the insurer a wholly owned subsidiary, advancing the group’s strategy of deepening its insurance footprint...
Woori Financial Group Posts Strong Q2 2026 Profit Rebound Despite Revenue Decline
Woori Financial Group reported preliminary consolidated results for the quarter ended June 30, 2026, showing revenue of KRW 13.17 trillion, down 13.9% from the first quarter and 3.0% year-on-year, but with operating income rising 62.8% quarter-on-qua...
Woori Financial Group Launches KRW 150 Billion Treasury Share Buyback Trust
On July 24, 2026, Woori Financial Group Inc.’s board of directors approved entering into a trust agreement to repurchase treasury shares, appointing Korea Investment & Securities Co. as the brokerage firm. The trust, with a total contract a...
Woori Financial Group Board Approves KRW 220 Quarterly Dividend on Common Shares
On July 24, 2026, Woori Financial Group’s board approved a resolution recommending a quarterly cash dividend of KRW 220 per common share, representing a market price-dividend ratio of 0.7%. The total planned distribution is approximately KRW 16...
Woori Financial Group Board Approves KRW 150 Billion Treasury Share Cancellation
On July 24, 2026, Woori Financial Group’s board resolved to cancel 4,854,368 common shares, representing part of its treasury stock, under Article 343(1) of the Korean Commercial Code. The estimated value of the planned cancellation is KRW 150...
Disclaimer
This AI Analyst Stock Report is automatically generated by our AI systems using advanced algorithms and publicly available financial, technical, and market data. While the information provided aims to be accurate and insightful, it is intended for informational purposes only and should not be considered financial advice. Any content created by an AI (Artificial Intelligence) system may contain inaccuracies and/or contain errors. Investing in stocks carries inherent risks, and past performance is not indicative of future results. This report does not account for your personal financial circumstances, objectives, or risk tolerance. Always conduct your own research or consult with a qualified financial advisor before making investment decisions. The analysis and recommendations provided are based on historical and current data and may not fully reflect future market conditions or unexpected developments. Neither the creators of this report nor its affiliated entities guarantee the accuracy, completeness, or reliability of the information presented. Use this report at your own discretion and risk.
Date of analysis: Oct 23, 2026