Woori Financial Group Inc (WF) fair value: what the stock is really worth
As of Sep 23, 2026: fair value of Woori Financial Group Inc $55.29, price $77.43, upside -28.6%, quality 58 out of 100. Calculated from audited financials with 26 valuation models and 37 quality factors, updated daily.
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Price vs Fair Value
White line = price, green steps = our fair value per fiscal year, dashed = 300-day average. As of Sep 24, 2026.
How to read this chart
60‑month range $16.17 – $82.36 · fair‑value band $41.47 – $69.12 · the $77.43 price screens above the $55.29 fair value. Green steps = our fair value per fiscal year (point-in-time, no hindsight). Dashed = 300-day average. As of Sep 24, 2026.
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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.
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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.
Stock analysis
Woori Financial Group Inc (WF) currently trades at $77.43, while our model-based Fair Value estimate is $55.29, implying the stock looks roughly 40.0% overvalued today.
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Valuation
How firm this estimate is: it rests on 21 models at a data quality of 94/100, which puts the evidence level at medium.
Scenario range: $41.47 (bear) to $69.12 (bull), the price of $77.43 sits above it. Bear and bull are the same models on cautious and optimistic assumptions, a range, not a price target.
Quality & growth
The Quality Score stands at 58/100 (solid quality), in the Financial Services sector.
Healthy Growth: Revenue growth appears healthy and is supported by profitability and cash-flow quality.
Woori Financial Group Inc reported revenue of $4.1T in FY2025 versus $12.5T in FY2021, a compound −24.3%/yr. Reported net income was $3.2T in FY2025, compounding +6.3%/yr from FY2021.
Key figures
Market cap $19.6B · P/E ratio 9.8 · P/S ratio 7.75 · EPS (TTM) $7.88 · Dividend yield 4.9% · Net margin 78.8% · Return on equity 8.5% · Return on assets (EBIT) 0.8%.
Competitive moat
Our AI-assisted moat analysis scores the competitive advantage at 48 out of 100 (low confidence).
What moves the price
The share trades about 6% below its 52-week high and 52% above its 52-week low, currently above its 200-day average.
For context, the median of 10 Financial Services peers we cover trades at −38% fair-value upside, at −29%, WF screens cheaper than that median.
Fair Value models
Bear $41.47Fair Value $55.29Bull $69.12
Model ⓘEach model values the company its own way (discounted cash flow, earnings, assets, dividends). The fair value above is their evidence-weighted blend, not the output of a single model.Bear ⓘBear = the cautious scenario: the same model computed with conservative anchors (lower growth, margins and valuation multiples). Together with Bull it frames a plausible valuation range, not a price target.BaseBull ⓘBull = the optimistic scenario: the same model computed with favourable anchors (higher growth, margins and valuation multiples). Together with Bear it frames a plausible valuation range, not a price target.Evidence ⓘEvidence = how well-backed THIS model's estimate is for this stock (0–100): how complete and reliable its input data are, and how well the model fits the company. The final Fair Value is an evidence-weighted blend, so better-evidenced models count more. Green ≥70, amber 50–69, grey below 50.
Growth Quality ⓘGrowth is valuable only when reinvestment earns attractive returns (Aswath Damodaran): sustainable growth depends on return on capital, reinvestment and efficiency. Basis: total company revenue over the periods shown on the cards (3Y/5Y/all years), not per share, so a merger can show up as a growth jump; per-share earnings growth is in the value-creation card.95/100
Revenue growth appears healthy and is supported by profitability and cash-flow quality.
Revenue growth 3 years ⓘMeasures the company's TOTAL revenue from reported annual statements: compound average growth per year (CAGR) from the fiscal year 3, 5 or N years back to the most recent comparable fiscal year. Not per share: buybacks do not change this number, and a merger can appear as a growth jump. Per-share growth (which does include buybacks) is in the value-creation card.
+27.2%
Revenue growth 5 years ⓘMeasures the company's TOTAL revenue from reported annual statements: compound average growth per year (CAGR) from the fiscal year 3, 5 or N years back to the most recent comparable fiscal year. Not per share: buybacks do not change this number, and a merger can appear as a growth jump. Per-share growth (which does include buybacks) is in the value-creation card.
+15.7%
Revenue growth 12 years ⓘMeasures the company's TOTAL revenue from reported annual statements: compound average growth per year (CAGR) from the fiscal year 3, 5 or N years back to the most recent comparable fiscal year. Not per share: buybacks do not change this number, and a merger can appear as a growth jump. Per-share growth (which does include buybacks) is in the value-creation card.
+15.5%
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What shareholders gained per year (last 5 years) ⓘWhat the business itself delivers per year: earnings growth per share plus the dividend yield. This is what you get IF the market keeps valuing the stock the same way: it contains no assumption about the market changing its mind. Computed per share, so buybacks count and a merger does not pass as growth. For a company that pays no dividend it is pure earnings growth per share. Period: earnings growth per share as CAGR over the last 5 reported fiscal years (annual statements), plus the current dividend yield. The start value is the median of the three years around the start, so a single crisis year (a pandemic or a write-down) does not distort the rate.
+34.5%
Earnings growth per share plus dividend.
Earnings per share, growth per year+29.6%
Dividend (yield on the price)4.9%
Pace: 5 vs 10 years ⓘTwo data points, not a trend model: earnings growth per share over the last 5 fiscal years against the last 10. Labelled "steady" when both rates are within 3 percentage points of each other, otherwise picking up or flattening. Shown only when ten years of history exist.30% vs 26%, picking up
Profit margin 2020 to 2025 ⓘOperating margin then vs now, from reported annual statements. A falling margin after a boom year is the classic peak-earnings signal: the growth rate then leans on an inflated base.18% → 100%
News mood ⓘNews mood, the average tone of recent news (90 articles), rated against how stocks are usually covered. 🚀 Hype = unusually upbeat · 🙂 Positive = above average · 😐 Neutral = typical · 🙁 Negative = below average · 😨 Very negative = unusually downbeat. It reflects the tone of coverage, not our valuation.Neutral
Recent news coverage is roughly neutral, about typical for how stocks are covered.
Compare Woori Financial Group Inc with another stock
Price, fair value, quality and upside side by side.
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Peer Groupⓘ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.Banks - Regional · 1074 stocks
Beats the industry median on 5/12 measures
A mixed picture versus its industry peers.
Valuation
Quality Score60 · Top 25%
Fair Value upside−29% · Below median
Profitability
Return on equity (TTM)9% · Below median
Return on assets1% · Bottom 25%
Net margin (TTM)31% · Above median
Operating margin (TTM)32% · Below median
Growth and dividend
Revenue growth6% · Below median
Dividend yield (TTM)4.9% · Top 25%
Balance sheet
Debt / equity2.51× · Highest 25%
Valuation Multiplesvs Banks - Regional median · lower = cheaper
P/E (TTM)9.8× · Cheaper than median
P/FCF0.0× · Cheapest 25%
PEG2.46× · Priciest 25%
Strength profile in five axes (Snowflake)
This stockSector peers
VALUE (fair-value potential)0· sector 11
FUTURE (revenue growth)30· sector 45
PAST (return on equity)34· sector 41
HEALTH (low debt)0· sector 85
DIVIDEND (yield)98· sector 53
VALUE 0: the price sits above our fair-value range.
For bloggers, editors and developers: paste this into your site or blog (a “Custom HTML” block in WordPress), it shows the current fair value and links back here. Free, plain HTML, and welcome. Full data streams (CSV/JSON) at /developers.
Cite: Fair Value Calculator (2026). "Woori Financial Group Inc Fair Value". https://www.fairvalue-calculator.com/stock/WF
Frequently asked questions
Is Woori Financial Group Inc (WF) overvalued or undervalued?
As of Sep 24, 2026, our model estimates a fair value of $55.29 versus a price of $77.43, about −29% upside (overvalued).
What is the fair value of WF?
Our model-based fair value for Woori Financial Group Inc is $55.29 (as of Sep 24, 2026), built from audited fundamentals. The current price: $77.43.
What is the quality score of WF?
Woori Financial Group Inc has a Quality Score of 58/100. It measures business quality (profitability, growth, cash flow, balance-sheet strength, investment discipline, share issuance). Market factors such as price momentum and volatility do not enter the number; they are shown separately in the detail view.
What is the price target for Woori Financial Group Inc (WF)?
Our model-based price target is the fair value of $55.29 (as of Sep 24, 2026) from 4 valuation models. Cautious scenario $41.47, optimistic scenario $69.12. It is a calculation from audited fundamentals, not an analyst target.
What is the Woori Financial Group Inc stock forecast for 2026?
Our models put fair value at $55.29, about −29% upside versus a price of $77.43 (overvalued). Cautious scenario $41.47, optimistic scenario $69.12. The calculation is refreshed regularly with new filings.
What is the revenue of Woori Financial Group Inc (WF)?
Woori Financial Group Inc reported trailing-twelve-month revenue of about $10.1T (latest available figure, as of Sep 24, 2026).
Does Woori Financial Group Inc pay a dividend?
Woori Financial Group Inc currently shows a dividend yield of about 4.89% relative to its recent price (as of Sep 24, 2026).
What is the intrinsic value of Woori Financial Group Inc (WF)?
Intrinsic value and fair value mean the same thing: what the business is worth on its numbers, independent of the share price. For Woori Financial Group Inc it is $55.29 per share (as of Sep 24, 2026), against a price of $77.43. It is the blended result of 4 valuation models (cash flow, earnings, asset, dividend).
Is Woori Financial Group Inc stock overvalued or undervalued in 2026?
As of Sep 24, 2026, WF trades above its calculated fair value: price $77.43, fair value $55.29, a gap of about −29% (overvalued). The calculation is refreshed with each new quarterly report, so the verdict can change during the year.
Is fair value the same as the market price of WF?
No. The price is what the market pays today ($77.43); the fair value is what the company's own numbers justify ($55.29). For Woori Financial Group Inc the two are $22.14 per share apart. That gap is exactly why we show both numbers side by side.
How much is Woori Financial Group Inc worth?
The market values Woori Financial Group Inc at about $19.6B (market capitalisation, as of Sep 24, 2026). Per share that is $77.43; our models calculate a fair value of $55.29 per share.
What do the bullish and bearish scenarios say about WF?
Our models span a range for Woori Financial Group Inc: cautious scenario $41.47, base $55.29, optimistic $69.12 per share (as of Sep 24, 2026, price $77.43). The range comes from different growth and margin assumptions, not from analyst opinions.
What is the P/E ratio of WF?
Woori Financial Group Inc trades at a price-to-earnings ratio of 9.8 (as of Sep 24, 2026). A P/E on its own says little: it compares the price with ONE year of profit, while our fair value of $55.29 is built from several models across several years. Other multiples: PEG 2.5.
What is the PEG ratio of WF?
The PEG ratio of Woori Financial Group Inc is 2.46 (P/E divided by earnings growth, as of Sep 24, 2026). That is above 1, so the growth is already paid for in the price.
How solid is the balance sheet of Woori Financial Group Inc (WF)?
Balance-sheet figures for Woori Financial Group Inc (as of Sep 24, 2026): return on equity 8.5%, debt of 2.51 per unit of equity. They feed the Quality Score of 58/100, which measures business quality independently of the share price.
How far is WF from its 52-week high?
Woori Financial Group Inc trades at $77.43, about 6% below its 52-week high of $82.36 and 52% above the low of $51.07 (as of Sep 23, 2026). Distance from the high says nothing about value: that is what the fair value of $55.29 is for.
Which stocks are comparable to Woori Financial Group Inc?
From the same area (Financial Services) we also value DBS Group, China Merchants Bank Co, Intesa Sanpaolo S.p.A, HDFC Bank Limited, among others. Each of them has its own fair-value calculation on this site using the same models, so the comparison is like for like.
Is Woori Financial Group Inc stock attractive at the current price?
The data as of Sep 24, 2026: price $77.43, calculated fair value $55.29 (−29%), Quality Score 58/100, from 4 models. Whether that fits your horizon and risk tolerance is your call. We provide the calculation, not investment advice.
How is the fair value of WF calculated?
We run Woori Financial Group Inc through 4 models from four families: discounted cash flow, earnings models, asset and balance-sheet models, and dividend models. Every model gets the same audited fundamentals; the result is the weighted average of $55.29, with the spread shown as a cautious and an optimistic scenario.
Is it still worth investing in stocks now?
The global stock market currently sits 14.1 % above its aggregate fair value. Woori Financial Group Inc itself currently trades above fair value. An expensive market is no reason to stay out and no reason to buy everything at once: keep a broad savings plan running, buy single stocks only with money you can do without, and hold part of your money liquid while the market is high. The full picture including sectors is on is it worth investing now.
What is the share price of Woori Financial Group Inc (WF)?
The closing price on Sep 23, 2026 was $77.43. Our model-based fair value is $55.29, about −29% upside (overvalued). We carry closing prices from our data provider, not a live tick.
What should I pay attention to with Woori Financial Group Inc right now?
The price sits above even our optimistic bull case ($69.12). The favourable scenario is already priced in. Solid but not exceptional quality (58/100) and above fair value, neither a clear bargain nor a standout compounder. For a financial, book-value and earnings-based methods matter more than a cash-flow DCF, which fits banks and insurers poorly.
Where does the earnings growth of Woori Financial Group Inc (WF) come from?
Earnings per share at Woori Financial Group Inc grew +25.3 % a year from 2014 to 2025. Broken into its drivers: revenue per share +18.4 %, EBIT margin +4.6 %, tax rate +0.5 %, residual (interest, one-offs) +0.7 %. The four rates multiply to the earnings growth rate, they do not add up. Start and end are three-year averages so a single exceptional year does not distort the result.
Key figures of Woori Financial Group Inc
How large is the market capitalisation of Woori Financial Group Inc (WF)?
The market capitalisation of Woori Financial Group Inc is $19.6B. The stock-market value of the whole company: share price times number of shares. It is what the market asks for the entire business today.
What is the P/S ratio of Woori Financial Group Inc (WF)?
The price-to-sales ratio of Woori Financial Group Inc is 7.75 (P/E × margin). Price to sales: market value relative to yearly revenue. Useful when profit is thin or distorted.
What are the earnings per share of Woori Financial Group Inc (WF)?
Earnings per share at Woori Financial Group Inc are $7.88 (price ÷ EPS = P/E 9.8). Earnings per share over the last twelve months: total profit spread across every single share.
What is the dividend yield of Woori Financial Group Inc (WF)?
The dividend yield of Woori Financial Group Inc is 4.9% (payout 48.0%). Yearly dividend relative to the share price. 3% pays 3 per 100 invested. Below: how much of profit is used for it.
What is the net margin of Woori Financial Group Inc (WF)?
The net margin of Woori Financial Group Inc is 78.8% (fiscal year 2025). How much of every unit of revenue ends up as profit. 10% means 10 cents of profit per dollar of sales.
What is the return on equity of Woori Financial Group Inc (WF)?
The return on equity (ROE) of Woori Financial Group Inc is 8.5% (last twelve months). Profit relative to shareholders' equity, how efficiently the company works with its owners' money.
What is the EBIT return on assets of Woori Financial Group Inc (WF)?
On an EBIT basis the return on assets of Woori Financial Group Inc is 0.8% (avg 5y). Operating profit (EBIT) relative to everything the company owns, as a multi-year average. It describes the business model rather than one good or bad year.
What is the operating margin of Woori Financial Group Inc (WF)?
The operating margin of Woori Financial Group Inc is 31.7% (last twelve months). Profit from the core business (before interest and taxes) relative to revenue.
How fast is revenue growing at Woori Financial Group Inc (WF)?
Revenue at Woori Financial Group Inc is growing +5.9% versus a year earlier (3y avg −38.1%). How much revenue grew versus a year earlier (YoY). The 3-year average next to it puts the single year in context.
How fast are earnings growing at Woori Financial Group Inc (WF)?
Earnings per share at Woori Financial Group Inc are growing −0.8% versus a year earlier. How much earnings per share grew versus a year earlier.
How much free cash flow does Woori Financial Group Inc (WF) generate?
The free cash flow of Woori Financial Group Inc is $13.1T (fiscal year 2025). The cash truly left after running and investing in the business, this is what pays dividends and buybacks.
How much net debt does Woori Financial Group Inc (WF) carry?
The net debt of Woori Financial Group Inc is $68.2T (fiscal year 2025, ≈ 5.2 yrs of FCF). Debt minus cash on hand. The note shows how many years of free cash flow could in theory pay it off.
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Sep 24, 2026