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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. In the quarter to June 2026, revenue grew 37.4%, EPS grew 1.14%, free cash flow fell 106.1% and total debt rose 29.0%, each against the same quarter a year earlier.

69.93 0.14 −0.20%
Market cap
$17.1B
P/E
8.1×
Fwd P/E
—
Dividend yield
4.11%
F-score
6/9
Altman Z
n/a
Beneish M
n/a
Dividend safety
n/a
Overview Business Profile Financial Analysis Income Statement Balance Sheet Cash Flow Metrics & Ratios 10-Q 10-K

Insider Decisions trades per month

Dec 25 Mar 26 Jun 26 Sep 26
Buy — — — — — — — — — — — —
Sell — — — — — — — — — — — —
Insider Ownership 0.00%

Capital & Financial Ratios $m

Market Cap 17,140.00
Revenue 18,950.29
Net Income 2,284.40
Free Cash Flow 5,604.45
Net Debt (26,819.02)
Current Ratio 1.16
Debt/Equity 0.99
P/E ratio 8.06
Fwd P/E —
P/S ratio 0.89
P/B ratio 0.59
Past 5Y EPS Growth 14.05%
This Y EPS Growth 9.62%
Next Y EPS Growth 10.14%
Next Y revenue growth —
Next 5Y EPS Growth 8.55%

Green and red mark values outside typical ranges. How we judge →

Valuation vs history

P/E against its own 10 years 84.63%
10-year low 10-year high
P/S against its own 10 years 74.31%
10-year low 10-year high
P/B against its own 10 years 94.51%
10-year low 10-year high

Dividends

Payout Ratio 0.33
Annual Dividend Rate 2.87
Annual Dividend Yield 4.11%
total individual payouts
2026 2.46
1.55
0.44
0.48
2025 2.67
1.39
0.44
0.43
0.41
2024 2.59
0.39
1.42
0.39
0.39
2023 0.82
0.41
0.41
2022 2.26
2.26
2021 0.38
0.38
2020 0.96
0.96
2019 1.73
1.73
2017 1.93
0.26
0.26
1.41
2016 1.05
1.05
special payouts not included in total or ratios

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%

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.

EPS $

Mar Jun Sep Dec Year
’26 1.59 2.66 — — —
’25 1.61 2.63 3.57 0.86 8.55
’24 2.53 2.53 2.57 1.13 8.69
’23 2.86 1.86 2.68 0.06 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 4.43
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

Group Line 2016 2017 2018 2019 2020 2021 2022 2023 2024 2025 Trend 2026e 2027e 2028e
Price, $
Price, $ Low 19.99 30.92 38.29 27.59 15.54 23.61 22.18 24.46 27.60 29.44

Analyst estimates 2026–2028

Powerpack
High 36.00 53.50 49.04 42.76 30.09 34.40 39.71 33.09 38.05 59.90
People
People Employees 15,536 14,262 14,011 14,041 13,715 13,434 111 122 13,279 12,947
Revenue/emp, $m 0.52 0.65 0.71 0.74 0.75 0.76 120.37 147.90 1.34 1.32
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
Gross margin, % 64.17 66.14 63.79 60.73 68.36 75.97 64.61 48.92 50.06 50.92
EBT 1,291 1,826 2,520 2,357 1,843 3,102 3,609 2,725 2,857 2,831
EBT margin, % 15.94 19.82 25.18 22.83 17.96 30.45 27.01 15.10 16.06 16.51
Net income 1,061 1,433 1,844 1,763 1,395 2,324 2,673 2,035 2,146 2,234
Depreciation 209 221 245 438 493 666 737 769 787 866
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
Earnings 4.23 5.40 7.63 7.72 4.43 9.12 9.82 7.42 8.69 8.55
Cash flow 18.17 (8.27) 36.68 7.08 13.79 (6.27) 60.90 5.13 (16.79) 38.60
Capex (1.18) (1.46) (1.12) (2.07) (0.92) (0.89) (0.99) (1.18) (1.09) (1.32)
Free cash flow 16.99 (9.73) 35.55 5.01 12.87 (7.16) 59.91 3.95 (17.88) 37.28
Book value 76.09 85.89 87.90 96.55 102.21 100.36 103.42 105.59 98.33 107.12
Shares, m 224 224 224 228 241 241 243 245 247 245
Valuation, ×
Valuation, × P/E 8.21 8.62 5.59 4.25 5.23 3.50 2.78 3.94 3.57 6.78
P/S 0.90 1.11 0.94 0.67 0.64 0.76 0.49 0.40 0.43 0.84
P/B 0.43 0.53 0.48 0.31 0.27 0.32 0.26 0.28 0.32 0.55
EV/Sales 1.46 1.32 1.24 1.05 0.28 1.07 (1.03) (0.51) (0.42) (0.72)
EV/FCF 3.11 (5.55) 1.56 9.47 0.94 (6.28) (0.95) (9.45) 1.68 (1.35)
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
Capex (264) (327) (252) (474) (222) (214) (239) (288) (268) (322)
Free cash flow 3,811 (2,181) 7,979 1,145 3,098 (1,729) 14,539 968 (4,415) 9,122
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
Total debt 15,593 13,851 14,559 16,442 19,101 20,827 22,560 24,002 20,377 23,664
Net debt 4,592 1,905 2,991 3,927 (3,691) 3,107 (20,354) (16,355) (15,133) (26,695)
Shareholders’ equity 17,069 19,266 19,726 22,062 24,607 24,234 25,097 25,869 24,286 26,208
Returns, %
Returns, % ROA 0.35 0.40 0.56 0.52 0.35 0.58 0.65 0.48 0.53 0.53
ROIC 3.72 5.39 6.93 5.67 5.51 7.09 47.55 17.90 19.51 0.00
ROE 5.22 6.06 8.67 7.75 5.16 8.76 9.96 7.22 7.90 8.16
Negative figures in brackets.

All 10 years →

Fiscal years to Dec 2025 · latest quarter Jun 2026

Charts ten years each

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
FCNCA First Citizens BancShares, Inc. $23.3B 11.4× 11.8× +0.11% (above 0%: growing) +31.07% (above 0%: growing) +28.65% (above 0%: growing) 67.05% 0.00% Compare
BBD Banco Bradesco SA $22.5B 9.4× 6.5× +32.31% (above 0%: growing) +30.00% (above 0%: growing) −266.98% (below 0%: shrinking) 36.36% 0.00% Compare
KEY KeyCorp $21.3B 11.5× 11.9× −1.14% (below 0%: shrinking) +25.71% (above 0%: growing) −80.76% (below 0%: shrinking) 70.74% 0.00% Compare
BSBR Banco Santander Brasil SA $20.9B 7.4× — +14.98% (above 0%: growing) −5.56% (below 0%: shrinking) +274.78% (above 0%: growing) 40.57% 0.00% Compare
BCH Banco De Chile $19.8B 14.7× 13.3× +14.73% (above 0%: growing) +34.37% (above 0%: growing) −141.88% (below 0%: shrinking) 79.35% 0.00% Compare
EWBC East West Bancorp, Inc. $17.3B 12.1× 11.8× +3.68% (above 0%: growing) +17.78% (above 0%: growing) +112.58% (above 0%: growing) 66.63% 0.00% Compare
WF Woori Bank $17.1B 8.1× — +37.39% (above 0%: growing) +1.14% (above 0%: growing) −106.07% (below 0%: shrinking) 57.49% 0.00%
BSAC Banco Santander Chile $15.5B 12.5× — +6.76% (above 0%: growing) +50.00% (above 0%: growing) +440.00% (above 0%: growing) 67.88% 0.00% Compare
PNFP Pinnacle Financial Partners, Inc. $14.3B 12.9× 12.5× +121.34% (above 0%: growing) +2.99% (above 0%: growing) −73.20% (below 0%: shrinking) 66.28% 0.00% Compare
Median of peers $20.3B 11.8× 11.9× +10.74% +27.85% −22.27% 66.84% 0.00%

All 323 Banks Regional stocks →

Woori Bank (WF) key facts

  • Concern: Woori Bank’s revenue for fiscal 2025 (year ended December 2025) was $17.1 billion, down 3.58% from fiscal 2024.
  • Woori Bank (WF) is a Banks Regional company in the Financial sector, traded in the US as an ADR.
  • As of October 16, 2026, WF traded at $69.93, a market capitalization of $17.1 billion.
  • Woori Bank pays an annual dividend of $2.87 per share, a yield of 4.11%, with a payout ratio of 33.1%.
  • Return on equity was 8.16% and debt-to-equity 0.99.
  • Its Piotroski F-score is 6 out of 9 for fiscal 2025.

Source: company filings (standardised) and stockrow calculations.

Woori Bank (WF) Latest News

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stockrow.com/WF · Data as of Jun 30, 2026 · For information only; not investment advice. · © 2026 stockrow.com