Woori Financial Group Inc (WF) fair value: what the stock is really worth
As of Nov 6, 2026: fair value (intrinsic value) of Woori Financial Group Inc stock $90.28, price $69.06, upside +30.7%, quality 62 out of 100. Rating: undervalued. Calculated from audited financials with 6 of our 26 valuation models and 37 quality factors, updated daily.
69 individual criteria per stock, every one traceableSee the method →
Price vs Fair Value
White line = price, green steps = our fair value per fiscal year. As of Nov 7, 2026.
How to read this chart
60‑month range $16.17 – $82.36 · fair‑value band $67.71 – $112.85 · the $69.06 price screens below the $90.28 fair value. Green steps = our fair value per fiscal year (point-in-time, no hindsight). As of Nov 7, 2026.
Follow Woori Financial Group in your weekly email
Every Wednesday you see whether Woori Financial Group is on track or worth a review, plus price against fair value. Free, up to 3 stocks.
We send you a confirmation link. Unsubscribe with one click.
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.
Show moreShow less
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 $69.06, while our model-based Fair Value estimate is $90.28, implying the stock looks roughly 24% undervalued today.
Show more
Valuation
Bull case: the Economic Profit group reads highest at a median of $100.35 per share, and 2 of the 6 models we run sit above the $69.06 price.
Bear case: the Dividend Discount group reads lowest at $33.91, and 4 of the 6 models stay below the price. Data coverage for this calculation is high.
Scenario range: $67.71 (bear) to $112.85 (bull), the price of $69.06 sits inside 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 62/100 (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 KRW in FY2025 versus 12.5T KRW in FY2021, a compound −24.3%/yr. Reported net income was 3.2T KRW in FY2025, compounding +6.3%/yr from FY2021.
Key figures
Market cap $17.1B Large · P/E ratio 8.0 · P/S ratio 6.34 · EPS (TTM) $8.59 · Dividend yield 4.1% · Net margin 78.8% · Return on equity 8.6% · Return on assets (EBIT) 0.8% (5-year average).
Competitive moat
Our AI-assisted moat analysis scores the competitive advantage at 65 out of 100 (low confidence).
What moves the price
The share trades about 16% below its 52-week high and 34% above its 52-week low, currently above its 200-day average.
For context, the median of 10 Financial Services peers we cover trades at −28% fair-value upside, at 31%, WF screens cheaper than that median.
Fair Value models
Bear$67.71Fair Value $90.28Bull$112.85
Price $69.06 · Upside +30.7%
Model ⓘEach model values the company its own way (discounted cash flow, earnings, assets, dividends). The fair value above starts from their evidence-weighted blend, not from a single model. In cyclical trough or peak years, after dilution or a stock split it is adjusted afterwards, so it can sit above or below the models. Based on fiscal year 2025 figures (about 10 months old). Earnings retained since then ($7.37 per share) are deliberately not added.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. If a model's bull case is above four times its base value, the table shows that limit with a > sign (like the overall Bull above): beyond it no assumption holds.Coverage ⓘCoverage = 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%
’14
’15
’16
’17
’18
’19
’20
’21
’22
’23
’24
’25
What shareholders gained per year (last 5 years), in KRW ⓘ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. Measured in KRW: this currency has depreciated against the euro and dollar over the long run, so part of the nominal rate is currency erosion that never reaches a EUR/USD investor.
+33.7%
Earnings growth per share plus dividend.
Earnings per share, growth per year+29.6%
Dividend (yield on the price)4.1%
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.29.6% vs 25.7%, 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.
AI conclusion: Limited moat and standard metrics define this regional bank while its expansion into insurance and SME financing offers the main route toward greater stability.
Main risk: Government pressure to expand productive and inclusive finance could force lending into lower-margin or higher-risk sectors, squeezing net interest margins and raising credit losses.
Bull case: By leveraging its corporate finance expertise and AI tools for better risk assessment, Woori could turn policy lending into profitable relationships with SMEs and tech firms while expanding non-bank synergies.
Bear case: If policy mandates lead to significant asset quality deterioration without adequate compensation, core banking profitability could suffer prolonged pressure and limit capital for growth initiatives.
Woori Financial is expanding non-bank operations through insurance mergers while channeling more capital into productive finance for SMEs and tech firms. Third-quarter results are expected to show a sharp drop from last year's one-time acquisition gains, highlighting the core banking trends. Does this diversification into insurance and shareholder returns reinforce stability more than it introduces earnings swings?
Compare Woori Financial Group Inc with another stock
Price, fair value, quality and upside side by side.
Free, no sign-up
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 · 996 stocks
Beats the industry median on 9/15 measures
Overall it ranks above its industry peers.
Valuation
Quality Score62 · Top 25%
Fair Value upside+30.7% · Top 25%
Profitability
Return on equity (12 months)8.6% · Below median
Return on assets0.5% · Bottom 25%
Net margin (12 months)29.3% · Below median
Operating margin (12 months)45.4% · Above median
Growth and dividend
Revenue growth (quarter YoY)33.7% · Top 25%
Dividend yield (12 months)4.1% · Above median
Balance sheet
Debt / equity2.51× · Highest 25%
Valuation Multiplesvs Banks - Regional median · lower = cheaper
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 Nov 7, 2026, our model estimates a fair value of $90.28 versus a price of $69.06, about +31% upside (undervalued).
What is the fair value of WF?
Our model-based fair value for Woori Financial Group Inc is $90.28 (as of Nov 7, 2026), built from audited fundamentals. The current price: $69.06.
What is the quality score of WF?
Woori Financial Group Inc has a Quality Score of 62/100. 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 $90.28 (as of Nov 7, 2026) from 6 valuation models. Cautious scenario $67.71, optimistic scenario $112.85. 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 $90.28, about +31% upside versus a price of $69.06 (undervalued). Cautious scenario $67.71, optimistic scenario $112.85. 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 10.9T KRW (latest available figure, as of Nov 7, 2026).
Does Woori Financial Group Inc pay a dividend?
Woori Financial Group Inc currently shows a dividend yield of 4.06% relative to its recent price (as of Nov 7, 2026).
How much is the dividend of Woori Financial Group Inc (WF) and when is the ex-dividend date?
Woori Financial Group Inc has a dividend yield of 4.1%. The last ex-dividend date was Aug 10, 2026. A dividend has been paid every year since 2014. The payout ratio is 28.4% of earnings. Our assessment: Low payout. A low payout ratio: the dividend takes at most 60 % of earnings. Whether free cash flow covers it as well, we cannot see for this company.
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 $90.28 per share (as of Nov 7, 2026), against a price of $69.06. It is the blended result of 6 valuation models in 4 families (Dividend Discount, Multiples, Asset-Based, Economic Profit).
Is Woori Financial Group Inc stock overvalued or undervalued in 2026?
As of Nov 7, 2026, WF trades below its calculated fair value: price $69.06, fair value $90.28, a gap of about +31% (undervalued). 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 ($69.06); the fair value is what the company's own numbers justify ($90.28). For Woori Financial Group Inc the two are $21.22 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 $17.1B (market capitalisation, as of Nov 7, 2026). Per share that is $69.06; our models calculate a fair value of $90.28 per share.
What do the bullish and bearish scenarios say about WF?
Our models span a range for Woori Financial Group Inc: cautious scenario $67.71, base $90.28, optimistic $112.85 per share (as of Nov 7, 2026, price $69.06). 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 8.0 (as of Nov 7, 2026). A P/E on its own says little: it compares the price with ONE year of profit, while our fair value of $90.28 is built from several models across several years. Median P/E at fiscal year-end, 10 fiscal years (2016 to 2025), reported earnings: 6.9. Other multiples: PEG 2.5, P/B 0.7, P/S 2.1, EV/EBITDA 14.5.
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 Nov 7, 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 Nov 7, 2026): return on equity 8.6%, debt of 2.51 per unit of equity. They feed the Quality Score of 62/100, which measures business quality independently of the share price.
How far is WF from its 52-week high?
Woori Financial Group Inc trades at $69.06, about 16% below its 52-week high of $82.36 and 34% above the low of $51.71 (as of Nov 6, 2026). Distance from the high says nothing about value: that is what the fair value of $90.28 is for.
Which stocks are comparable to Woori Financial Group Inc?
From the same area (Financial Services) we also value China Merchants Bank Co, DBS Group, UniCredit S.p.A, Mizuho Financial Group, 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 Nov 7, 2026: price $69.06, calculated fair value $90.28 (+31%), Quality Score 62/100, from 6 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 6 models from 4 families: Dividend Discount, Multiples, Asset-Based, Economic Profit. Every model gets the same audited fundamentals; the fair value of $90.28 builds on their evidence-weighted average, 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 13.3% above its aggregate fair value. Woori Financial Group Inc currently trades 24% below its own fair value, and the market average says nothing about that. 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 Nov 6, 2026 was $69.06. Our model-based fair value is $90.28, about +31% upside (undervalued). 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?
Solid quality (62/100) 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.
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 $17.1B. 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 6.34 (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 $8.59 (price ÷ EPS = P/E 8.0). 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 4.1% (payout 32.6%). 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 8.6% (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 45.4% (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 +33.7% 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 +8.6% 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 KRW (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 KRW (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.
Free · no account needed
Watch Woori Financial Group Inc in the live analysis
One click puts Woori Financial Group Inc on your watchlist: fair value and trend at a glance, plus comparison, the diversification check and the 27,000+ stock screener.
Broad data
Nov 7, 2026