Tearsheet

Woori Financial (WF)

Market Price (9/4/2025): $53.15 | Market Cap: $13.0 Bil
Sector: Financials | Industry: Regional Banks

Woori Financial (WF)

Market Price (9/4/2025): $53.15
Market Cap: $13.0 Bil
Sector: Financials
Industry: Regional Banks

Investment Highlights

0	Attractive yield Total YieldTotal Yield = Earnings Yield + Dividend Yield, Earnings Yield = Net Income / Market Cap Dividend Yield = Total Dividends / Market Cap is 21725%, ERPEquity Risk Premium (ERP) = Total Yield - Risk Free Rate, Reflects the premium above risk free assets offered by the investment. is 21721%	Debt is significant Net D/ENet Debt/Equity. Debt net of cash. Negative indicates net cash. Equity is taken as the Market Capitalization is 83344%
1	Low stock price volatility Vol 12M is 30%	Not cash flow generative CFO/Rev LTMCash Flow from Operations / Revenue (Sales), Last Twelve Months (LTM) is -29%, FCF/Rev LTMFree Cash Flow / Revenue (Sales), Last Twelve Months (LTM) is -32%
2		Valuation getting more expensive P/S 6M Chg %Price/Sales change over 6 months. Declining P/S indicates valuation has become less expensive. is 56%

0	Attractive yield Total YieldTotal Yield = Earnings Yield + Dividend Yield, Earnings Yield = Net Income / Market Cap Dividend Yield = Total Dividends / Market Cap is 21725%, ERPEquity Risk Premium (ERP) = Total Yield - Risk Free Rate, Reflects the premium above risk free assets offered by the investment. is 21721%
1	Low stock price volatility Vol 12M is 30%
2	Debt is significant Net D/ENet Debt/Equity. Debt net of cash. Negative indicates net cash. Equity is taken as the Market Capitalization is 83344%
3	Not cash flow generative CFO/Rev LTMCash Flow from Operations / Revenue (Sales), Last Twelve Months (LTM) is -29%, FCF/Rev LTMFree Cash Flow / Revenue (Sales), Last Twelve Months (LTM) is -32%
4	Valuation getting more expensive P/S 6M Chg %Price/Sales change over 6 months. Declining P/S indicates valuation has become less expensive. is 56%

Market Valuation

	9/4/25	2024	2023	2022	2021
Share Price CYE	$53.15	$31.25	$27.69	$24.48	$26.38
Market Cap CYE ($ Bil)	13.0	7.7	6.9	5.9	6.4
Total Debt ($ Bil)	80,554.1	82,107.9	75,082.8	71,068.4	68,965.1
Total Cash ($ Bil)	30,125.5	27,281.1	30,556.6	34,219.1	20,613.1
Enterprise Value ($ Bil)	50,441.7	82,115.6	75,089.7	71,074.3	68,971.5
Valuation Ratios
P/S TTM	0.0	0.0	0.0	0.0	0.0
P/EBIT TTM	0.0	0.0	0.0	0.0	0.0
P/E TTM	0.0	0.0	0.0	0.0	0.0
Sector Ratios
P/S TTM (Sector)	3.6	3.4	2.9	3.0	3.7
P/EBIT TTM (Sector)	11.8	10.9	11.5	9.9	8.3
P/E TTM (Sector)	14.5	13.1	11.7	11.0	11.0

	9/4/25	2024	2023
Share Price CYE	$53.15	$31.25	$27.69
Market Cap CYE ($ Bil)	13.0	7.7	6.9
Total Debt ($ Bil)	80,554.1	82,107.9	75,082.8
Total Cash ($ Bil)	30,125.5	27,281.1	30,556.6
Enterprise Value ($ Bil)	50,441.7	82,115.6	75,089.7
Valuation Ratios
P/S TTM	0.0	0.0	0.0
P/EBIT TTM	0.0	0.0	0.0
P/E TTM	0.0	0.0	0.0
Sector Ratios
P/S TTM (Sector)	3.6	3.4	2.9
P/EBIT TTM (Sector)	11.8	10.9	11.5
P/E TTM (Sector)	14.5	13.1	11.7

Stock Price
Market Cap

Stock Price Chart

Return (1Y):

Market Cap Chart

Business Description

Woori Financial Group Inc., together with its subsidiaries, operates as a commercial bank that provides a range of financial services to individual, business, and institutional customers in Korea. It operates through Banking, Credit Card, Investment Banking, and Others segments. The company offers savings, demand, and installment accounts; time deposits and certificates of deposit; and working capital, facilities, general purpose household, mortgage, and home equity loans. Show more

Price Returns Compared

Expand for Detailed View

	2020	2021	2022	2023	2024	2025	Total [1]
Returns
WF Return	-6%	19%	-7%	13%	13%	5%	36%
Peers Return	-4%	7%	-1%	28%	11%	15%	67%
S&P 500 Return	16%	27%	-19%	24%	23%	10%	100%

[1] Cumulative total returns since the beginning of 2020
[2] Peers: AMMHF, BDGSF, BKAHF, BKAYF, BKAYY.
[3] 2025 data is for the year up to 9/3/2025 (YTD)

Better Bets than Woori Financial (WF)

	WF	Better Performance than WF
Metric	Value	Industry (Regional Banks)
Rev Chg LTM	4.6%	UNCRY (5.0%), UNCFF (5.0%), DBSDF (7.8%), IITSF (8.3%), IBN (22.9%)
Rev Chg 3Y Avg	6.7%	UNCRY (15.8%), UNCFF (15.8%), DBSDF (17.6%), IITSF (11.0%), IBN (21.0%)
CFO/Rev LTM	-28.6%	CIHKY (143.3%), ITUB (-24.6%), NU (44.0%), PSTVY (91.1%), PBCRF (41.8%)
FCF/Rev LTM	-31.7%	CIHKY (136.2%), ITUB (-29.6%), NU (40.8%), PSTVY (85.6%), PBCRF (38.3%)
Total Yield	21724.9%	PBCRF (100445.4%), PBCRY (106016.4%), BKRKY (298587.7%), BKRKF (342949.3%), KB (21772.5%)

	WF	Better Performance than WF
Metric	Value	Sector (Financials)
Rev Chg LTM	4.6%	JPM (8.2%), V (11.4%), MA (13.1%), BAC (5.4%), CGXYY (31.7%)
Rev Chg 3Y Avg	6.7%	BRK-B (16.6%), JPM (13.5%), V (11.5%), MA (13.5%), CGXYY (22.6%)
CFO/Rev LTM	-28.6%	BRK-B (6.9%), V (60.4%), MA (53.3%), BAC (4.4%), IDCBF (162.6%)
FCF/Rev LTM	-31.7%	BRK-B (2.1%), V (56.8%), MA (49.2%), BAC (4.4%), IDCBF (158.4%)
Total Yield	21724.9%	PBCRF (100445.4%), PBCRY (106016.4%), BKRKY (298587.7%), BKRKF (342949.3%), KB (21772.5%)

	WF	Better Performance than WF
Metric	Value	All Other Sectors
Rev Chg LTM	4.6%	NVDA (71.6%), MSFT (14.9%), AAPL (6.0%), GOOGL (13.1%), AMZN (10.9%)
Rev Chg 3Y Avg	6.7%	NVDA (92.0%), MSFT (12.5%), GOOGL (10.2%), AMZN (11.3%), META (13.0%)
CFO/Rev LTM	-28.6%	NVDA (46.6%), MSFT (48.3%), AAPL (26.6%), GOOGL (36.0%), AMZN (18.1%)
FCF/Rev LTM	-31.7%	NVDA (43.6%), MSFT (25.4%), AAPL (23.5%), GOOGL (18.0%), AMZN (2.0%)
Total Yield	21724.9%	TLK (120950.5%), EC (113210.5%), KEP (37046.8%), TLKMF (135535.7%), PTAIY (239274.3%)

Latest Trefis Analyses

	Title	Topic
0	DASHBOARDS
1	Fundamental Metrics: Woori Financial

	Title
0	ARTICLES
1	Fundamental Metrics: Woori Financial

Recent Active Movers

1 Day Top Gainers

#	Ticker	Company	1D Rtn	YTD Rtn
1	XELA	Exela Technologies	212.4%	-95.5%
2	TKCM	Token Communities	82.8%	-64.7%
3	ANGGF	Angang Steel	61.2%	25.0%
4	BATMF	British American Tobacco Malaysia	43.4%	59.2%
5	KYSEF	Kyushu Electric Power	32.1%	32.1%
6	STTK	Shattuck Labs	26.7%	5.8%
7	KTHAF	Krung Thai Bank	24.0%	24.0%
8	SFOSF	Shanghai Fosun Pharmaceutical	23.7%	61.7%
9	INDOY	Indorama Ventures	20.9%	-5.5%
10	M	Macy's	20.7%	-1.0%

1 Day Top Losers

#	Ticker	Company	1D Rtn	YTD Rtn
1	PTLKF	PT Lippo Karawaci	-95.2%	-94.7%
2	MGAWF	Megaworld	-71.0%	-71.0%
3	PTTMF	PT Timah	-62.8%	-83.1%
4	PTJSF	PT Jasa Marga	-50.9%	-50.9%
5	UNLRF	PT Unilever Indonesia	-41.3%	-17.6%
6	DLNDY	D&L Industries	-37.5%	-30.7%
7	SUCEF	Sumitomo Osaka Cement	-37.4%	-37.4%
8	PTKFF	PT Kalbe Farma	-34.7%	-32.1%
9	SMTGF	SMA Solar Technology	-30.1%	28.4%
10	PMDKF	PT Mitra Adiperkasa	-28.6%	-48.9%

1 Week Top Gainers

#	Ticker	Company	1W Rtn	YTD Rtn
1	EAF	GrafTech International	804.0%	-47.2%
2	RLMD	Relmada Therapeutics	122.3%	182.7%
3	XELA	Exela Technologies	109.6%	-95.5%
4	PSNYW	Polestar Automotive UK	96.2%	141.5%
5	TKCM	Token Communities	82.8%	-64.7%
6	PHJMF	PT Hanjaya Mandala Sampoerna	66.7%	34.8%
7	ANGGF	Angang Steel	61.2%	25.0%
8	DTNOF	DNO	49.5%	141.9%
9	BW	Babcock & Wilcox Enterprises	48.5%	54.9%
10	MDB	MongoDB	46.0%	34.4%

1 Week Top Losers

#	Ticker	Company	1W Rtn	YTD Rtn
1	COSG	Grand Gallery	-100.0%	�
2	PTLKF	PT Lippo Karawaci	-95.2%	-94.7%
3	NXTT	Next Technology	-74.5%	-89.4%
4	SCGY	Scientific Energy	-72.7%	-26.9%
5	MGAWF	Megaworld	-71.0%	-71.0%
6	TTOO	T2 Biosystems	-67.7%	-99.0%
7	PTTMF	PT Timah	-62.8%	-83.1%
8	PIGEF	Pigeon	-62.4%	-62.4%
9	NEGG	Newegg Commerce	-53.8%	290.6%
10	PTJSF	PT Jasa Marga	-50.9%	-50.9%

1 Month Top Gainers

#	Ticker	Company	1M Rtn	YTD Rtn
1	MMEX	MMEX Resources	∞%	-50.0%
2	TAWNF	Thai Airways International	3674.5%	3400.0%
3	NOKPF	Nok Airlines	2400.0%	81.8%
4	AYRWF	Ayr Wellness	509.5%	-94.6%
5	XELA	Exela Technologies	379.0%	-95.5%
6	SRNE	Sorrento Therapeutics	233.3%	900.0%
7	PGEN	Precigen	169.9%	324.1%
8	TLS	Telos	154.7%	89.2%
9	SATS	EchoStar	142.7%	179.1%
10	RLMD	Relmada Therapeutics	139.0%	182.7%

1 Month Top Losers

#	Ticker	Company	1M Rtn	YTD Rtn
1	COSG	Grand Gallery	-100.0%	�
2	PTLKF	PT Lippo Karawaci	-95.2%	-94.7%
3	TTOO	T2 Biosystems	-94.8%	-99.0%
4	NXTT	Next Technology	-86.5%	-89.4%
5	OTRK	Ontrak	-78.2%	-96.6%
6	SCGY	Scientific Energy	-72.7%	-26.9%
7	PPCB	Propanc Biopharma	-72.1%	-79.1%
8	MGAWF	Megaworld	-71.0%	-71.0%
9	PTTMF	PT Timah	-62.8%	-83.1%
10	PIGEF	Pigeon	-62.4%	-62.4%

Recent Active Movers

1 Day Top Gainers

#	Ticker	Company	1D Rtn	YTD Rtn
1	XELA	Exela Technologies	212.4%	-95.5%
2	TKCM	Token Communities	82.8%	-64.7%
3	ANGGF	Angang Steel	61.2%	25.0%
4	BATMF	British American Tobacco Malaysia	43.4%	59.2%
5	KYSEF	Kyushu Electric Power	32.1%	32.1%
6	STTK	Shattuck Labs	26.7%	5.8%
7	KTHAF	Krung Thai Bank	24.0%	24.0%
8	SFOSF	Shanghai Fosun Pharmaceutical	23.7%	61.7%
9	INDOY	Indorama Ventures	20.9%	-5.5%
10	M	Macy's	20.7%	-1.0%

1 Day Top Losers

#	Ticker	Company	1D Rtn	YTD Rtn
1	PTLKF	PT Lippo Karawaci	-95.2%	-94.7%
2	MGAWF	Megaworld	-71.0%	-71.0%
3	PTTMF	PT Timah	-62.8%	-83.1%
4	PTJSF	PT Jasa Marga	-50.9%	-50.9%
5	UNLRF	PT Unilever Indonesia	-41.3%	-17.6%
6	DLNDY	D&L Industries	-37.5%	-30.7%
7	SUCEF	Sumitomo Osaka Cement	-37.4%	-37.4%
8	PTKFF	PT Kalbe Farma	-34.7%	-32.1%
9	SMTGF	SMA Solar Technology	-30.1%	28.4%
10	PMDKF	PT Mitra Adiperkasa	-28.6%	-48.9%

1 Week Top Gainers

#	Ticker	Company	1W Rtn	YTD Rtn
1	EAF	GrafTech International	804.0%	-47.2%
2	RLMD	Relmada Therapeutics	122.3%	182.7%
3	XELA	Exela Technologies	109.6%	-95.5%
4	PSNYW	Polestar Automotive UK	96.2%	141.5%
5	TKCM	Token Communities	82.8%	-64.7%
6	PHJMF	PT Hanjaya Mandala Sampoerna	66.7%	34.8%
7	ANGGF	Angang Steel	61.2%	25.0%
8	DTNOF	DNO	49.5%	141.9%
9	BW	Babcock & Wilcox Enterprises	48.5%	54.9%
10	MDB	MongoDB	46.0%	34.4%

1 Week Top Losers

#	Ticker	Company	1W Rtn	YTD Rtn
1	COSG	Grand Gallery	-100.0%	�
2	PTLKF	PT Lippo Karawaci	-95.2%	-94.7%
3	NXTT	Next Technology	-74.5%	-89.4%
4	SCGY	Scientific Energy	-72.7%	-26.9%
5	MGAWF	Megaworld	-71.0%	-71.0%
6	TTOO	T2 Biosystems	-67.7%	-99.0%
7	PTTMF	PT Timah	-62.8%	-83.1%
8	PIGEF	Pigeon	-62.4%	-62.4%
9	NEGG	Newegg Commerce	-53.8%	290.6%
10	PTJSF	PT Jasa Marga	-50.9%	-50.9%

Peer Comparisons for Woori Financial

Financials

	WF	AMMHF	BDGSF	BKAHF	BKAYF	BKAYY	Median
Name	Woori Fi.	AMMB	Lion Fin.	Bank Of .	Bank Of .	Bank Of .
Mkt Price	54.23	-	-	-	-	-	54.23
Mkt Cap	13.3	-	-	-	-	-	13.3
Rev LTM	12,845,415	4,929	4,046	147,643	147,643	147,643	147,643
Op Inc LTM	-	-	-	-	-	-	-
FCF LTM	-4,073,956	-1,400	-	17,988	17,988	17,988	17,988
FCF 3Y Avg	5,205,239	861	-	18,532	18,532	18,532	18,532
CFO LTM	-3,669,180	-1,295	-	23,039	23,039	23,039	23,039
CFO 3Y Avg	5,601,189	974	-	23,716	23,716	23,716	23,716

Growth & Margins

	WF	AMMHF	BDGSF	BKAHF	BKAYF	BKAYY	Median
Name	Woori Fi.	AMMB	Lion Fin.	Bank Of .	Bank Of .	Bank Of .
Rev Chg LTM	4.6%	8.0%	39.4%	-3.6%	-3.6%	-3.6%	0.5%
Rev Chg 3Y Avg	6.7%	9.5%	35.7%	15.2%	15.2%	15.2%	15.2%
Rev Chg Q	3.4%	10.6%	10.1%	-4.8%	-4.8%	-4.8%	-0.7%
QoQ Delta Rev Chg LTM	0.9%	2.5%	2.5%	-1.3%	-1.3%	-1.3%	-0.2%
Op Mgn LTM	-	-	-	-	-	-	-
Op Mgn 3Y Avg	-	-	-	-	-	-	-
QoQ Delta Op Mgn LTM	-	-	-	-	-	-	-
CFO/Rev LTM	-28.6%	-26.3%	-	15.6%	15.6%	15.6%	15.6%
CFO/Rev 3Y Avg	47.8%	21.9%	-	17.4%	17.4%	17.4%	17.4%
FCF/Rev LTM	-31.7%	-28.4%	-	12.2%	12.2%	12.2%	12.2%
FCF/Rev 3Y Avg	44.6%	19.5%	-	13.8%	13.8%	13.8%	13.8%

Valuation

	WF	AMMHF	BDGSF	BKAHF	BKAYF	BKAYY	Median
Name	Woori Fi.	AMMB	Lion Fin.	Bank Of .	Bank Of .	Bank Of .
Mkt Cap	13.3	-	-	-	-	-	13.3
P/S	0.0	-	-	-	-	-	0.0
P/EBIT	-	-	-	-	-	-	-
P/E	0.0	-	-	-	-	-	0.0
P/CFO	-0.0	-	-	-	-	-	-0.0
Total Yield	21,724.9%	-	-	-	-	-	21,724.9%
Dividend Yield	0.0%	-	-	-	-	-	0.0%
FCF Yield 3Y Avg	82,972.1%	-	-	-	-	-	82,972.1%
D/E	6,071.2	-	-	-	-	-	6,071.2
Net D/E	833.4	-	-	-	-	-	833.4

Returns

	WF	AMMHF	BDGSF	BKAHF	BKAYF	BKAYY	Median
Name	Woori Fi.	AMMB	Lion Fin.	Bank Of .	Bank Of .	Bank Of .
1M Rtn	3.9%	-	-	-	-	-	3.9%
3M Rtn	22.7%	-	-	-	-	-	22.7%
6M Rtn	61.4%	-	-	-	-	-	61.4%
12M Rtn	49.7%	-	-	-	-	-	49.7%
3Y Rtn	163.0%	-	-	-	-	-	163.0%
1M Excs Rtn	2.0%	-	-	-	-	-	2.0%
3M Excs Rtn	23.4%	-	-	-	-	-	23.4%
6M Excs Rtn	52.1%	-	-	-	-	-	52.1%
12M Excs Rtn	31.9%	-	-	-	-	-	31.9%
3Y Excs Rtn	86.9%	-	-	-	-	-	86.9%

FDIC Bank Data

Bank Capital

Bank Deposits

Bank Assets

Bank Loans

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Financials

Annual
Quarterly

$ Mil \| FY: 12/31	LTM	2024	2023	2022	2021	2020	2019
Period End		12/31/2024	12/31/2023	12/31/2022	12/31/2021	12/31/2020	12/31/2019
Filing Date		4/28/2025	4/29/2024	4/21/2023	5/16/2022	4/30/2021	4/29/2020
Key Financials
Total Revenue	12,845,415	12,622,830	11,800,206	11,428,163	9,597,656	7,724,465	7,743,574
Net Income	2,882,518	3,085,995	2,506,296	3,186,772	2,542,844	1,307,266	1,872,207
EPS	11082.00	11850.00	9690.00	12753.00	10257.00	5226.00	8181.00
Growth Rates
Total Revenue Growth	4.6%	7.0%	3.3%	19.1%	24.3%	-0.2%	3.8%
Net Income Growth	5.9%	23.1%	-21.4%	25.3%	94.5%	-30.2%	-7.9%
Margins
Net Income Margin	22.4%	24.4%	21.2%	27.9%	26.5%	16.9%	24.2%
Cash & Debt
Total Cash	69,495,852	71,078,868	68,448,113	67,304,228	59,732,862	40,019,912	34,123,097
Total Debt	80,554,148	82,107,912	75,082,803	71,068,447	68,965,119	58,280,343	51,214,087
Net Debt / (Cash)	11,058,296	11,029,044	6,634,690	3,764,219	9,232,257	18,260,431	17,090,990
Cash Flows
Net Cash from Operations	-3,669,180	-6,129,300	1,621,942	18,624,119	3,799,743	-248,375	1,870,349
Free Cash from Operations	-4,073,956	-6,541,282	1,228,743	18,276,494	3,541,606	-512,570	1,314,460
Returns to Shareholders
Dividends	266,223	878,330	978,376	654,996	368,357	505,587	437,626
Share Repurchases	149,848	136,699	158,165	-0	3,757	-0	184,164

$ Mil \| FY: 12/31	2025Q2	2025Q1	2024Q4	2024Q3	2024Q2	2024Q1	2023Q4	2023Q3	2023Q2	2023Q1	2022Q4	2022Q3
Period End	6/30/2025	3/31/2025	12/31/2024	9/30/2024	6/30/2024	3/31/2024	12/31/2023	9/30/2023	6/30/2023	3/31/2023	12/31/2022	9/30/2022
Filing Date	8/14/2025	5/15/2025	4/28/2025	11/14/2024	8/14/2024	5/16/2024	4/29/2024	11/14/2023	8/15/2023	5/16/2023	4/21/2023	11/15/2022
Key Financials Quarterly
Total Revenue	3,398,395	3,172,195	3,002,522	3,272,303	3,286,980	3,061,025	3,012,881	2,924,195	2,890,531	2,972,599	3,049,673	2,767,425
Net Income	935,328	616,691	426,128	904,371	931,495	824,001	68,114	899,306	625,190	913,686	525,027	899,811
EPS	3675.00	2343.00	1578.00	3486.00	3618.00	3168.00	78.00	3522.00	2442.00	3642.00	2043.00	3618.00
Key Financials TTM
Total Revenue TTM	12,845,415	12,734,000	12,622,830	12,633,189	12,285,081	11,888,632	11,800,206	11,836,998	11,680,228	11,670,823	11,428,164	10,930,760
Net Income TTM	2,882,518	2,878,685	3,085,995	2,727,981	2,722,916	2,416,611	2,506,296	2,963,209	2,963,714	3,261,270	3,186,772	3,006,653
Growth Rates Quarterly
Total Revenue Growth	3.4%	3.6%	-0.3%	11.9%	13.7%	3.0%	-1.2%	5.7%	0.3%	8.9%	19.5%	13.7%
Net Income Growth	0.4%	-25.2%	525.6%	0.6%	49.0%	-9.8%	-87.0%	-0.1%	-32.2%	8.9%	52.2%	15.6%
Margins Quarterly
Net Income Margin	27.5%	19.4%	14.2%	27.6%	28.3%	26.9%	2.3%	30.8%	21.6%	30.7%	17.2%	32.5%
Cash & Debt
Total Cash	69,495,852	68,619,152	71,078,868	70,184,968	64,347,260	67,921,485	68,448,113	62,439,724	56,594,466	64,734,209	67,304,228	43,912,902
Total Debt	80,554,148	79,947,326	82,107,912	80,975,048	75,386,611	75,903,090	75,082,803	73,489,509	73,680,272	72,694,055	71,068,447	81,534,447
Net Debt / (Cash)	11,058,296	11,328,174	11,029,044	10,790,080	11,039,351	7,981,605	6,634,690	11,049,785	17,085,806	7,959,846	3,764,219	37,621,545
Cash Flows Quarterly
FCF from Operations	-2,096,681	-409,969	1,782,621	-2,945,151	-4,746,031	-220,739	6,327,492	6,193,571	-7,447,602	-3,451,519	24,398,434	-580,859
Cash Flows TTM
FCF from Operations TTM	-3,669,180	-6,318,530	-6,129,300	-1,584,429	7,554,293	4,852,722	1,621,942	19,692,884	12,918,454	5,171,827	18,624,119	-404,391
Returns to Shareholders Quarterly
Dividends	0	0	133,112	133,111	0	0	134,579	130,686	0	0	0	109,209
Share Repurchases	129,187	20,673	-12	-0	-0	136,711	11,891	122,637	23,637	-0	-0	-0
Return on Invested Capital (ROIC) Quarterly
ROIC	21.5%	14.5%	10.0%	20.5%	20.7%	22.3%	2.9%	21.0%	11.7%	27.5%	26.3%	8.8%
Return on Invested Capital (ROIC) TTM
ROIC TTM	16.9%	16.5%	17.4%	15.7%	15.1%	16.7%	19.7%	17.8%	13.7%	25.0%	38.4%	7.5%

Segment Financials

Revenue by Segment

$ Mil	2024	2023	2022	2021	2020
Banking	8,011,068	8,124,410	6,819,981	5,968,441	6,140,633
Others	2,126,575	1,824,003	1,140,937	1,141,040	960,170
Credit card	788,646	786,138	670,345	568,109	585,798
Capital	453,360	459,561	410,897
Internal adjustments	177,031	56,514	88,329	15,815
Investment Banking	144,636	200,752	157,740	112,799	87,616
Other adjustments	93,876	51,805	26,369	33,089
Consolidated adjustments	-1,957,814	-1,657,497	-970,600	-1,018,347
Adjustments					-833,920
Total	9,837,378	9,845,686	8,343,998	6,820,946	6,940,297

Net Income by Segment

$ Mil	2024	2023	2022	2021	2020
Banking	2,515,081	2,948,501	2,340,014	1,416,932	1,862,019
Others	1,421,032	1,265,230	667,255	652,184	633,265
Capital	127,836	183,328	140,579
Credit card	112,064	204,764	200,726	120,230	114,196
Other adjustments	96,063	53,585	29,120	41,237
Internal adjustments	0	0	0
Investment Banking	-53,373	91,794	79,924	62,937	53,358
Consolidated adjustments	-1,591,809	-1,378,128	-695,339	-778,271
Adjustments					-625,242
Total	2,626,894	3,369,074	2,762,279	1,515,249	2,037,596

Assets by Segment

$ Mil	2024	2023	2022	2021	2020
Banking	458,017,067	443,340,979	415,976,627	374,120,064	347,819,743
Others	29,725,013	28,059,619	25,627,649	31,872,690	21,681,769
Credit card	17,491,193	16,118,967	14,116,832	11,366,596	10,087,342
Capital	12,417,338	12,581,473	10,259,868
Investment Banking	6,375,625	5,657,191	5,159,742	4,332,474	3,398,960
Other adjustments	2,846,897	2,019,322	1,101,162	5,643,135
Internal adjustments	0	0	0
Consolidated adjustments	-28,868,197	-27,303,155	-25,058,009	-28,253,942
Adjustments					-21,007,090
Total	498,004,936	480,474,396	447,183,871	399,081,017	361,980,724

Price Behavior

Behavior Stats
Betas Matrix

Price Behavior

Market Price	$54.23
Market Cap ($ Bil)	13.3
First Trading Date	10/01/2003
Distance from 52W High	-5.9%
	50 Days	200 Days
DMA Price	$53.30	$39.87
DMA Trend	up	up
Distance from DMA	1.8%	36.0%
	3M	1YR
Volatility	33.5%	30.0%
Downside Capture	40.99	57.73
Upside Capture	135.08	88.28
Correlation (SPY)	28.2%	41.3%
	5D	10D
Expected Return	2.3%	2.9%
Expected Excess Return	0.7%	0.4%
Chance of Rise	57.8%	57.6%
Std Dev of Returns	0.9%	1.5%

WF Betas & Captures as of 8/31/2025

	1M	2M	3M	6M	1Y	3Y
Beta	1.30	1.09	0.98	0.64	0.63	0.77
Up Beta	1.70	1.56	1.28	0.64	0.62	0.77
Down Beta	1.10	1.30	1.87	0.64	0.51	0.62
Up Capture	116%	100%	123%	104%	82%	77%
Bmk +ve Days	10	22	35	71	142	415
Stock +ve Days	10	21	33	71	128	395
Down Capture	129%	46%	-27%	37%	67%	92%
Bmk -ve Days	11	19	27	54	106	334
Stock -ve Days	10	19	28	51	114	344

[1] Upside and downside betas calculated using positive and negative benchmark daily returns respectively

Short Interest

Short Interest: As Of Date	8152025
Short Interest: Shares Quantity	118,428
Short Interest: % Change Since 7312025	10.0%
Average Daily Volume	37,979
Days-to-Cover Short Interest	3.12
Basic Shares Quantity	244,666,667
Short % of Basic Shares	0.0%

SEC Filings

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Report Date	Filing
6302025	6-K 6/30/2025
3312025	6-K 3/31/2025
12312024	20-F 12/31/2024
9302024	6-K 9/30/2024
6302024	6-K 6/30/2024
3312024	6-K 3/31/2024
12312023	20-F 12/31/2023
9302023	6-K 9/30/2023
6302023	6-K 6/30/2023
3312023	6-K 3/31/2023
12312022	20-F 12/31/2022
9302022	6-K 9/30/2022
6302022	6-K 6/30/2022
3312022	6-K 3/31/2022
12312021	20-F 12/31/2021
9302021	6-K 9/30/2021

Insider Activity

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Woori Financial (WF)

Market Price (9/4/2025): $53.15 | Market Cap: $13.0 BilSector: Financials | Industry: Regional Banks

Woori Financial (WF)

Market Price (9/4/2025): $53.15Market Cap: $13.0 BilSector: FinancialsIndustry: Regional Banks

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Market Price (9/4/2025): $53.15 | Market Cap: $13.0 Bil
Sector: Financials | Industry: Regional Banks

Market Price (9/4/2025): $53.15
Market Cap: $13.0 Bil
Sector: Financials
Industry: Regional Banks