Woori Financial Group Inc. (WF) — Fundamental Analysis & Key Financial Ratios

Kaplio overview: Woori Financial Group Inc.

Market cap $16B · 52 weeks $53 – $84 (19 % below the high) · P/E 7.3× · 2027 expected P/E 6.1× · Dividend 4.7 % · Next earnings November 13, 2026 · expected EPS $2.93 · Closing price, Oct 28 · accounts published Jul 24.

• Valuation: P/B 0.6× (justified).
• Business: ROTCE 9.8 % (weak).
• Balance sheet: Capital/assets 5.4 % (fragile).
• Earnings: 5 of 8 (uneven).

What would it be worth at its usual multiples?

At a P/B justified by its ROTCE del 9,8 % (1.3×) $148 (+123 %); at its peers' median (1.5×) $176 (+164 %). Implied price from applying the reference multiples to today's earnings (or book value, or FFO) per share. Not a fair value: it is where the stock would trade at its usual multiples.

What matters in banking: 2 of 5 pass

• ROA 0.5 %, fails.
• ROTCE 9.8 %, fails.
• Equity / Assets (Tier 1 proxy) 5.4 %, fails.
• P/B (Price / Book) 0.6×, passes.
• Sustainable dividend yield 4.7 %, passes.

Against its peers (reference peers) — Woori Financial Group Inc.: P/E 7.3×; P/B 0.6×; ROE 8.8 %; $16.3B. Sumitomo Mitsui Financial Group, Inc. (P/E 14.5×; P/B 1.5×; ROE 10.9 %; $92.2B), Mitsubishi UFJ Financial Group, Inc. (P/E 14.2×; P/B 1.7×; ROE 12.3 %; $237B), HSBC Holdings plc (P/E 12.4×; P/B 1.5×; ROE 14.2 %; $296B).

Expensive or cheap against its last ten fiscal years?

Precio / valor contable at each close: today 0.6× · median 0.0× · minimum 0.0× · maximum 0.7× · cheap below 0.0× · expensive above 0.0×. It has been cheaper than today 97% of the time over its last ten fiscal years.

Dividend

tight (only raised recently) · Yield 4.7 % ($2.74 per ADS in 2025) · Years raising it 1 · 5-year growth +12 % a year · Free cash flow coverage payout 29 % · With $1,000 invested today you'd collect $46.80 a year ($3.90 a month).