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Woori Bank

WF Financial Banks Regional

Woori Bank’s revenue for fiscal 2025 (year ended December 2025) was $17.1 billion, down 3.58% from fiscal 2024.

Revenue
+37.4%
EPS
+12.9%
Free cash flow
−106.1%
Total debt
+29.0%

Quarter to June 2026, against a year earlier

68.66 0.17 −0.25%
Market cap
$16.8B
P/E
7.7×
Fwd P/E
—
Dividend yield
4.18%
F-score
6/9
Altman Z
n/a
Beneish M
n/a
Dividend safety
n/a
Overview
Financials
Income Statement Balance Sheet Cash Flow Metrics & Ratios

Insider Decisions last twelve months

Trades a month
Jan 26 Apr 26 Jul 26 Oct 26
Buy — — — — — — — — — — — —
Sell — — — — — — — — — — — —
Insider Ownership 0.00%

Capital & Financial Ratios $m

Size
Market Cap 16,770.00
Revenue ttm 18,950.29
Net income ttm 2,284.40
Free cash flow ttm 5,604.45
Net debt Q (26,819.02)
Valuation
P/E 7.74
Forward P/E —
Price / sales 0.88
Forward P/S Powerpack
Price / FCF 2.96
Price / book 0.58
Financial health
Current ratio Q 1.16
Debt / equity Q 0.99
Interest coverage Q —
Growth
Revenue growth Q +37.39% (above 0%: growing)
Operating income growth Q +11.10% (above 0%: growing)
EPS, this year +16.36% (at or above 15%: strong)
EPS, next year A +8.73%
Revenue, next year A —
EPS, past 5 yrs +11.33%
EPS, next 5 yrs A +10.64%

Green and red mark values outside typical ranges; (Q) is the latest quarter, (A) analysts’ estimates. How we judge →

Valuation vs history

P/E against its own 10 years 81.26%
10-year low 10-year high
P/S against its own 10 years 72.39%
10-year low 10-year high
P/B against its own 10 years 93.44%
10-year low 10-year high

Dividends

Yield
4.18%
Annual rate
2.87
Payout ratio
32.4%
Growth, 2017–26
+2.77%/yr
  1. 1.93 ’17
  2. 1.73 ’19 −10
  3. 0.96 ’20 −45
  4. 0.38 ’21 −60
  5. 2.26 ’22 +490
  6. 0.82 ’23 −64
  7. 2.59 ’24 +217
  8. 2.67 ’25 +3
  9. 2.46 ’26 −8
paid change on the year, %

Assets vs Liabilities $m

2023 2024 2025 Q'26
Cash 40,357 35,510 50,358 55,190
Receivables — — — —
Inventory — — — —
Other — — — —
329,395 305,112 335,912 362,101
2023 2024 2025 Q'26
Payables 277,137 248,188 260,691 264,662
ST’ Debt — — — —
Other — — — —
313,916 287,586 304,070 312,220

Compound Annual Growth %

10y 5y 3y
Sales 7.19% 10.82% 8.67%
Cash Flow 0.00% 23.25% (13.87%)
Earnings 10.64% 11.33% (5.71%)
Book Value 4.73% 1.27% 1.45%

Earnings Trends EPS, adjusted, against the consensus

Mar 2025 Estimate 1.65 Actual 1.61

Earnings per share against the consensus, by quarter
Quarter Estimate Reported Result
Mar 2024 2.13 2.53 Beat by 0.40
Jun 2024 2.18 2.53 Beat by 0.35
Sep 2024 2.18 2.57 Beat by 0.39
Mar 2025 1.65 1.61 Miss by 0.04

EPS $

Mar Jun Sep Dec Year
’26 1.59 2.97 — — —
’25 1.61 2.63 3.57 0.74 8.55
’24 2.53 2.53 2.57 0.39 8.69
’23 2.86 1.86 2.68 (0.14) 7.42
’22 2.81 2.97 2.53 1.46 9.82
’21 2.43 2.75 2.72 1.29 9.12
’20 1.69 0.43 1.63 1.49 5.00
Fiscal quarters ending in the months shown.

Revenue $m

Mar Jun Sep Dec Year
’26 4,648 5,256 — — —
’25 4,276 3,826 4,666 4,380 17,148
’24 5,281 4,525 4,261 3,718 17,785
’23 4,559 4,551 4,907 4,026 18,044
’22 2,846 3,191 3,241 4,084 13,361
’21 2,582 2,589 2,522 2,494 10,187
’20 2,656 2,079 2,137 3,387 10,259
Fiscal quarters ending in the months shown.

Operating Cash Flow $m

Mar Jun Sep Dec Year
’26 (2,179) (3,087) — — —
’25 (287) (1,468) 3,062 8,136 9,444
’24 (177) (3,300) (2,062) 1,391 (4,147)
’23 (2,761) (5,958) 4,955 5,021 1,256
’22 4,560 (8,715) 113 18,821 14,779
’21 1,012 (5,529) 3,261 (259) (1,515)
’20 (815) 2,824 (796) 2,107 3,320
Fiscal quarters ending in the months shown.

Free Cash Flow $m

Mar Jun Sep Dec Year
’26 (2,243) (3,139) — — —
’25 (341) (1,523) 3,035 7,951 9,122
’24 (231) (3,380) (2,141) 1,337 (4,415)
’23 (2,808) (6,031) 4,902 4,906 968
’22 4,519 (8,764) 71 18,713 14,539
’21 970 (5,528) 3,158 (329) (1,729)
’20 (847) 2,780 (848) 2,014 3,098
Fiscal quarters ending in the months shown.

Target Price Range

Analyst price targets

Recommendation Rating

1.3
1Buy 2 3Hold 4 5Sell

Ten years at a glance Fiscal years to December

Ten-year view Analyst estimates Powerpack
Group Line 2016 2017 2018 2019 2020 2021 2022 2023 2024 2025 TTM Jun ’26 Trend 10 yrs 2026e 2027e 2028e Next 3/yr
Income, $m
Income, $m Revenue 8,098 9,213 10,009 10,321 10,259 10,187 13,361 18,044 17,785 17,148 18,950 +8.7% — — — —
Gross margin, % 64.17 66.14 63.79 60.73 68.36 75.97 64.61 48.92 50.06 50.92 54.19 (13.3) pt
EBT 1,291 1,826 2,520 2,357 1,843 3,102 3,609 2,725 2,857 2,831 2,912 +9.1%
EBT margin, % 15.94 19.82 25.18 22.83 17.96 30.45 27.01 15.10 16.06 16.51 15.37 +0.6 pt
Net income 1,061 1,433 1,844 1,763 1,395 2,324 2,673 2,035 2,146 2,234 2,284 +8.6%
Per share, $
Per share, $ Revenue 36.10 41.07 44.60 45.17 42.61 42.19 55.06 73.65 72.00 70.09 78.31 +7.7%
Earnings 4.23 5.40 7.63 7.72 5.00 9.12 9.82 7.42 8.69 8.55 8.87 +8.1%
Cash flow 18.17 (8.27) 36.68 7.08 13.79 (6.27) 60.90 5.13 (16.79) 38.60 24.52 +8.7%
Capex (1.18) (1.46) (1.12) (2.07) (0.92) (0.89) (0.99) (1.18) (1.09) (1.32) (1.36) +1.3%
Free cash flow 16.99 (9.73) 35.55 5.01 12.87 (7.16) 59.91 3.95 (17.88) 37.28 23.16 +9.1%
Book value 76.09 85.89 87.90 96.55 102.21 100.36 103.42 105.59 98.33 107.12 118.25 +3.9%
Shares, m 224 224 224 228 241 241 243 245 247 245 243 +1.0%
Valuation, ×
Valuation, × P/E 8.21 8.62 5.59 4.25 5.23 3.50 2.78 4.05 3.90 6.88 7.74 5.3
P/S 0.90 1.11 0.94 0.67 0.64 0.76 0.49 0.40 0.43 0.84 0.88 0.7
P/B 0.43 0.53 0.48 0.31 0.27 0.32 0.26 0.28 0.32 0.55 0.58 0.4
EV/Sales 1.46 1.32 1.24 1.05 0.28 1.07 (1.03) (0.51) (0.42) (0.72) — 0.4
EV/FCF 3.11 (5.55) 1.56 9.47 0.94 (6.28) (0.95) (9.45) 1.68 (1.35) — (0.7)
Cash, $m
Cash, $m Operating cash flow 4,075 (1,854) 8,231 1,619 3,320 (1,515) 14,779 1,256 (4,147) 9,444 5,933 +9.8%
Capex (264) (327) (252) (474) (222) (214) (239) (288) (268) (322) (328) +2.2%
Free cash flow 3,811 (2,181) 7,979 1,145 3,098 (1,729) 14,539 968 (4,415) 9,122 5,604 +10.2%
Balance, $m
Balance, $m Working capital 19,169 12,771 13,895 10,777 8,028 12,607 10,904 15,479 17,526 31,841 49,882 +5.8%
Net debt 4,592 1,905 2,991 3,927 (3,691) 3,107 (20,354) (16,355) (15,133) (26,695) (26,819) n/m
Shareholders’ equity 17,069 19,266 19,726 22,062 24,607 24,234 25,097 25,869 24,286 26,208 28,616 +4.9%
Returns, %
Returns, % ROA 0.35 0.40 0.56 0.52 0.35 0.58 0.65 0.48 0.53 0.53 0.53 +0.2 pt
ROIC 3.72 5.39 6.93 5.67 5.51 7.09 47.55 17.90 19.51 0.00 101.28 (3.7) pt
ROE 5.22 6.06 8.67 7.75 5.16 8.76 9.96 7.22 7.90 8.16 8.08 +2.9 pt
People
People Employees 15,536 14,262 14,011 14,041 13,715 13,434 111 122 13,279 12,947 — (2.0%)
Revenue/emp, $m 0.52 0.65 0.71 0.74 0.75 0.76 120.37 147.90 1.34 1.32 — +10.9%
Negative figures in brackets.
estimates

All 10 years →

Fiscal years to Dec 2025 · latest quarter Jun 2026 · fundamentals updated 26 Oct 2026

Woori Bank vs peers in Banks Regional (Q) = latest quarter vs a year earlier

Company Market cap P/E Fwd P/E Revenue growth (Q) EPS growth (Q) FCF growth (Q) Gross margin (Q) EBIT margin (Q) Compare
RF Regions Financial Corporation $24.2B 11.0× 10.7× +0.16% (above 0%: growing) +16.13% (above 0%: growing) −39.63% (below 0%: shrinking) 80.24% 0.00% Compare
KEY KeyCorp $22.1B 11.5× 11.2× +1.55% (above 0%: growing) +24.39% (above 0%: growing) +85.68% (above 0%: growing) 71.05% 0.00% Compare
BCH Banco De Chile $19.6B 14.0× 14.3× +11.52% (above 0%: growing) +4.13% (above 0%: growing) +134.20% (above 0%: growing) 75.90% 0.00% Compare
BSBR Banco Santander Brasil SA $17.7B 6.2× — +14.98% (above 0%: growing) −5.56% (below 0%: shrinking) +274.78% (above 0%: growing) 40.57% 0.00% Compare
EWBC East West Bancorp, Inc. $17.7B 12.2× 12.2× −0.14% (below 0%: shrinking) +4.91% (above 0%: growing) +112.58% (above 0%: growing) 66.97% 0.00% Compare
WF Woori Bank $16.8B 7.7× — +37.39% (above 0%: growing) +12.90% (above 0%: growing) −106.07% (below 0%: shrinking) 57.49% 0.00%
PNFP Pinnacle Financial Partners, Inc. $15.3B 13.5× 13.0× +126.12% (above 0%: growing) +9.55% (above 0%: growing) −3.18% (below 0%: shrinking) 66.77% 0.00% Compare
BSAC Banco Santander Chile $15.2B 12.4× — +6.76% (above 0%: growing) +50.00% (above 0%: growing) +440.00% (above 0%: growing) 67.88% 0.00% Compare
BBD Banco Bradesco SA $14.0B 5.5× 5.2× +16.65% (above 0%: growing) +44.44% (above 0%: growing) +1,455.10% (above 0%: growing) 34.57% 0.00% Compare
Median of peers $17.7B 11.8× 11.7× +9.14% +12.84% +123.39% 67.43% 0.00%

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stockrow.com/WF · Data as of Oct 26, 2026 · For information only; not investment advice. · © 2026 stockrow.com