Woori Financial Group Inc (316140) fair value: what the stock is really worth
We calculate from audited financials what Woori Financial Group Inc is really worth. The fair value tells you whether the price is too high or too low, the quality score (0 to 100) how solid the business behind it is. 26 models, 37 quality factors, updated daily, free.
- Compare price with fair valuebelow fair value = cheap, above = expensive
- Check the quality50 and up solid, 75 and up strong
- Watch it or check another stockalert when fair value or trend changes
At a glance
A solid business, trading 45% below our fair value of 60,758 KRW.
As of Sep 3, 2026, the fair value of Woori Financial Group Inc is 60,758 KRW per share against a price of 33,200 KRW, so the fair value sits 83% above the price. A model estimate from reported figures, not an analyst target.
Fair value as of: Sep 3, 2026
From 6 valuation models · updated 4 days ago
Share price −0.4% over the past month.
What runs behind every stock
69 individual criteria per stock, every one traceable See the method →
What matters now
- The price is below even our cautious bear case (45,568 KRW). The market is more pessimistic than our downside scenario.
- Solid quality (56/100) at a price below fair value, the discount is the argument here, not the business quality.
- For a financial, book-value and earnings-based methods matter more than a cash-flow DCF, which fits banks and insurers poorly.
Price vs Fair Value (5 years)
White line = price, green steps = our fair value per fiscal year, dashed = 300-day average. As of Sep 3, 2026.
How to read this chart
60‑month range 7,049 KRW – 39,740 KRW · fair‑value band 45,568 KRW – 75,947 KRW · the 33,200 KRW price screens below the 60,758 KRW fair value. Green steps = our fair value per fiscal year (point-in-time, no hindsight). Dashed = 300-day average. As of Sep 3, 2026.
Analysis
Woori Financial Group Inc (316140) currently trades at 33,200 KRW, while our model-based Fair Value estimate is 60,758 KRW, implying the stock looks roughly 45.4% undervalued today. The Quality Score stands at 56/100 (solid quality), in the Financial Services sector. Bull case: the Multiples group reads highest at a median of 55,811 KRW per share, and 3 of the 6 models we run sit above the 33,200 KRW price. Bear case: the Dividend Discount group reads lowest at 21,919 KRW, and 3 of the 6 models stay below the price. Evidence for this calculation is medium.
Over the trailing twelve months, Woori Financial Group Inc generated revenue of 10.1T KRW at a net margin of 30.8%. Revenue grew 5.9% year over year. It earns a return on equity of 8.5%. Net debt stands at 50.4T KRW. Fundamentals as of Sep 3, 2026
Scenario range: 45,568 KRW (bear) to 75,947 KRW (bull), the price of 33,200 KRW sits below it. Bear and bull are the same models on cautious and optimistic assumptions, a range, not a price target. The share trades about 18% below its 52-week high and 73% above its 52-week low, currently above its 200-day average. For context, the median of 10 Financial Services peers we cover trades at −10% fair-value upside, at 83%, 316140 screens cheaper than that median.
Fair Value models
Each model values the company its own way; the fair value above is the evidence-weighted blend. Evidence (0 to 100) shows how complete a model's inputs are. How we calculate →
All 6 models by family
Widest divergence: Multiples (55,811 KRW) versus Dividend Discount (21,919 KRW). Highest evidence: Residual Income (76).
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Key figures & financial health
More key figures
Figures from reported company fundamentals · as of Sep 3, 2026. TTM = trailing twelve months.
Quality Score breakdown
Of which business quality 57 · Market factors (momentum, volatility) 62
Non-valuation factor families (profitability, growth, cashflow, financial strength, momentum …), each academically grounded. Valuation itself sits in the Fair Value and is deliberately excluded here to avoid double-counting.
All values are scores from 0 to 100 (100 = best against fixed, research-based bands), not percentages. The three market factors (momentum, 52-week proximity, low volatility) are displayed but carry zero weight in the headline number: market sentiment is not a business property.
About the company
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 Insurance, Credit Card Capital, Investment Securities, and Others segments.
Full 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 Insurance, Credit Card Capital, Investment Securities, and Others segments. It offers loans, deposits, and relevant services; and contracting and maintenance of insurance policies, payment of insurance benefits, insurance agents and brokers, and provision of life insurance-related services. The company also offers debit and credit cards, cash services, card loans, and related services; lease financing; and securities operation, sale of financial instruments, project financing, and other related solutions. In addition, it provides brokerage, lending fees, electronic financial, foreign exchange handling, guarantee, import and export-related services, and foreign currency securities investment, as well as investment trust products, professional services, and private equity funds. Further, the company is involved in real estate, system software development and maintenance, financing, credit information, securities investment and trading, derivatives trading, and asset securitization. Additionally, it offers life insurance; and retirement pension services, and asset management services. Woori Financial Group Inc. was founded in 1899 and is headquartered in Seoul, South Korea.
Company description, as reported by the company or data provider.
Revenue & earnings trend
FY2021 – FY2025 · reported fiscal years
Woori Financial Group Inc reported revenue of 13.3T KRW in FY2025 versus 9.6T KRW in FY2021, a compound +8.5%/yr. Reported net income was 3.1T KRW in FY2025, compounding +4.8%/yr from FY2021.
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Peer Group
Banks - Regional · 1070 stocks
How this stock ranks against its industry: the green marker is this stock, the band is the typical 25–75% peer range, and the tick is the median.
Valuation Multiples vs Banks - Regional median · lower = cheaper
Context: sector, industry, market
- Is the Financials sector expensive or cheap?
- P/E, EV/EBITDA and margins by industry (reference tables)
- Undervalued stocks: South Korean Stocks
- Valuation of the Korea market
Strength profile in five axes (Snowflake)
Five quick dimensions, each 0 to 100: VALUE (fair-value potential), FUTURE (revenue growth), PAST (return on equity), HEALTH (low debt), DIVIDEND (yield). Green = this stock, grey = typical sector peer.
Insider activity: 30/100
Values & ESG
Does this company touch areas you may want to avoid? The classification is inferred from sector and industry.
Similar stocks
10 more Banks - Regional stocks, each showing price versus our Fair Value estimate (as of Sep 3, 2026).
| Stock | Price | Fair Value | vs Fair Value |
|---|---|---|---|
| DBS Group D05 | 75.65 SGD | 40.48 SGD | −46% |
| China Merchants Bank Co 3968 | HK$47.96 | HK$76.51 | +60% |
| Intesa Sanpaolo S.p.A ISP | €6.74 | €5.66 | −16% |
| HDFC Bank Limited HDB | $23.18 | $24.12 | +4% |
| BNP Paribas SA BNP | €104.54 | €144.64 | +38% |
| UniCredit S.p.A UCG | €84.71 | €77.62 | −8% |
| Mizuho Financial Group MFG | $10.74 | $9.69 | −10% |
| ICICI Bank Limited ICICIBANK | ₹1,423 | ₹835.21 | −41% |
| Oversea-Chinese Banking Corporation O39 | 31.07 SGD | 19.80 SGD | −36% |
| CaixaBank, S.A CABK | €13.52 | €8.85 | −35% |
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