Woori Financial Group Inc. (WF) AI Stock Analysis

Woori Financial Group Inc. is a South Korean commercial banking institution established in 1899 and headquartered in Seoul. It operates across Banking, Credit Card, Capital, Investment Banking, and Others segments. Within Banking, it provides savings and deposit products such as demand, installment, and time deposits, alongside working capital, mortgage, home equity, and general-purpose household loans. Additional services include credit cards, leasing, securities operations, investment banking, and insurance products. The company also handles international banking, foreign exchange services, offshore lending, and foreign currency securities investments across a network of 768 branches and over 4,200 ATMs.

Revenue rose from $12.51T in FY2021 to $17.39T in FY2022, reaching $23.70T in FY2023 and $25.75T in FY2024, before declining to $4.12T in FY2025. Despite the revenue contraction in FY2025, net income rose to $3.24T with a net margin of 78.8%, up from $3.09T and a 12.0% net margin in FY2024. For the trailing twelve months ended June 30, 2026, revenue totaled $10.86T with an operating margin of 45.4% and net profit margin of 29.3%. In the latest quarter, quarterly revenue growth was 33.7% year-over-year, while quarterly earnings grew 8.6%.

As of June 30, 2026, Woori Financial Group held $121.69T in cash and short-term investments against total debt of $102.50T, resulting in net cash of $19.19T. Total assets stood at $635.18T, shareholders' equity was $38.88T, and the current ratio was 2.46. In FY2025, free cash flow was $13.14T, generated from operating cash flow of $13.64T. Cash capital deployment in FY2025 included $506.43B in capital expenditures, $150.00B in share buybacks, and $927.30B in dividends paid.

At a closing price of $70.04, Woori Financial Group trades at a trailing P/E of 8.2x and a forward P/E of 2.5x, below the median of its US-listed Financial Services peers of 12.1x trailing P/E and 10.8x forward P/E. Its price-to-book ratio is 0.7x, and price-to-sales is 0.0x. Over the past year, the stock returned 33.9% compared to 16.8% for the S&P 500. Over a 5-year period, the stock returned 252.3% versus 83.0% for the S&P 500.

Woori Financial Group offers a forward annual dividend of $2.87, representing a dividend yield of 4.10%. The company has paid quarterly dividends for 13 consecutive years and posted a 5-year annualized dividend growth rate of 21.7%. The last ex-dividend date was August 10, 2026, and the payout ratio is listed at 0.0%.

Analyst coverage shows 1 Strong Buy rating, 0 Buys, 0 Holds, and 0 Sells. The mean price target is $90.59, which is 29.3% above the last close of $70.04. For the current fiscal year ending December 31, 2026, revenue is estimated at $11.66T with EPS of $12865.89. The company beat EPS estimates in 1 of the last 4 quarters. The next earnings date is November 13, 2026.

This page is an AI-written research summary of Woori Financial Group Inc. (WF). The text was generated on October 30, 2026 from Quotelinks data as of October 16, 2026 (company profile, annual results, latest balance sheet, valuation, price performance and analyst estimates). An automatic check rejects any draft that contains a figure not found in that data. It is not investment advice; verify figures on the linked tabs before making decisions.

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