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Woori Financial Group Inc (WF)
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Upturn Advisory Summary
01/09/2026: WF (1-star) has a low Upturn Star Rating. Not recommended to BUY.
Upturn Star Rating
Not Recommended Performance
These Stocks/ETFs, based on Upturn Advisory, consistently fall short of market performance, signaling caution before investing.
Number of Analysts
1 Analysts rated it
Very few follow this stock; limited insights, higher-risk early investing.
1 Year Target Price $71.01
1 Year Target Price $71.01
| 1 | Strong Buy |
| 0 | Buy |
| 0 | Hold |
| 0 | Sell |
| 0 | Strong Sell |
Analysis of Past Performance
Type Stock | Historic Profit 5.62% | Avg. Invested days 36 | Today’s Advisory Consider higher Upturn Star rating |
Upturn Star Rating | Upturn Advisory Performance  2.0 | Stock Returns Performance  2.0 |
| Profits based on simulation | Last Close 01/09/2026 |
Key Highlights
Company Size Large-Cap Stock | Market Capitalization 14.00B USD | Price to earnings Ratio 6.61 | 1Y Target Price 71.01 |
Price to earnings Ratio 6.61 | 1Y Target Price 71.01 | ||
Volume (30-day avg) 1 | Beta 0.63 | 52 Weeks Range 28.71 - 60.48 | Updated Date 01/9/2026 |
52 Weeks Range 28.71 - 60.48 | Updated Date 01/9/2026 | ||
Dividends yield (FY) 4.66% | Basic EPS (TTM) 8.65 |
Analyzing Revenue: Products, Geography and Growth
Revenue by Geography
Geography revenue - Year on Year
Earnings Date
Report Date - | When - | Estimate - | Actual - |
Profitability
Profit Margin 28.48% | Operating Margin (TTM) 40.79% |
Management Effectiveness
Return on Assets (TTM) 0.59% | Return on Equity (TTM) 9.11% |
Valuation
Trailing PE 6.61 | Forward PE 2.46 | Enterprise Value 33048431165440 | Price to Sales(TTM) - |
Enterprise Value 33048431165440 | Price to Sales(TTM) - | ||
Enterprise Value to Revenue 6.84 | Enterprise Value to EBITDA - | Shares Outstanding 244674125 | Shares Floating 673070076 |
Shares Outstanding 244674125 | Shares Floating 673070076 | ||
Percent Insiders - | Percent Institutions 2.96 |
Upturn AI SWOT
Woori Financial Group Inc
Company Overview
History and Background
Woori Financial Group Inc. was established in 2001 through the merger of four major Korean financial institutions: Hanvit Bank, Seoul Bank, Kookmin Bank, and Housing & Commercial Bank. Its lineage traces back to earlier banks founded in the late 19th and early 20th centuries. The group underwent a restructuring in 2008, leading to the current entity. It has been a key player in the South Korean financial landscape, navigating economic shifts and evolving regulatory environments.
Core Business Areas
- Wholesale Banking: Provides corporate banking services, including loans, trade finance, foreign exchange, and treasury services to large enterprises and SMEs.
- Retail Banking: Offers a comprehensive range of products and services to individual customers, including deposits, loans (mortgages, personal loans), credit cards, and wealth management.
- Investment Banking and Securities: Engages in corporate finance advisory, mergers and acquisitions, underwriting of securities, and brokerage services.
- Insurance: Provides life and non-life insurance products through its subsidiaries.
- Asset Management: Manages investment funds and provides asset management services to institutional and retail investors.
Leadership and Structure
Woori Financial Group Inc. is structured as a holding company overseeing its various financial subsidiaries. The leadership typically includes a Chairman, CEO, and heads of major business divisions, along with a board of directors. Specific names and roles are subject to change based on corporate governance and appointments.
Top Products and Market Share
Key Offerings
- Mortgage Loans: A significant product in the retail banking segment, offering housing finance to individuals. Market share is substantial within South Korea's competitive mortgage market, with competitors including KB Kookmin Bank, Shinhan Bank, and Hana Financial Group.
- Corporate Lending: A core wholesale banking service, providing essential financing for businesses of all sizes. Woori Financial Group is a major lender to Korean corporations, competing with other large Korean banks.
- Credit Cards: Woori Card, a subsidiary, offers a wide range of credit and debit card products. It holds a significant share of the Korean credit card market, facing competition from Shinhan Card, KB Kookmin Card, and Hyundai Card.
- Savings and Deposit Accounts: Fundamental retail banking products that form the base of customer relationships. Woori Financial Group is among the top providers of these services in South Korea.
Market Dynamics
Industry Overview
The South Korean financial industry is highly developed and competitive, dominated by a few large banking groups. It is characterized by a strong regulatory environment, increasing digitalization, and a growing demand for wealth management and investment products. Interest rate fluctuations and economic growth are key drivers.
Positioning
Woori Financial Group Inc. is one of the largest and most established financial holding companies in South Korea. It holds a significant market share across various banking and financial services. Its competitive advantages include a large customer base, extensive branch network, and a diversified product portfolio.
Total Addressable Market (TAM)
The TAM for financial services in South Korea is substantial, encompassing banking, insurance, securities, and asset management. Woori Financial Group is a leading player within this market, particularly in traditional banking services. Its positioning is strong, but ongoing digital transformation and competition from fintech companies present challenges and opportunities to expand its share within niche areas and digital offerings.
Upturn SWOT Analysis
Strengths
- Strong brand recognition and customer loyalty in South Korea
- Diversified business portfolio covering retail banking, corporate banking, insurance, and securities
- Extensive domestic branch network and digital banking capabilities
- Solid capital base and regulatory compliance
Weaknesses
- Reliance on the South Korean domestic market, limiting international diversification
- Potential for slower adoption of disruptive fintech innovations compared to nimble startups
- Exposure to interest rate risks and economic downturns affecting loan portfolios
- Past restructuring and mergers may have led to integration challenges
Opportunities
- Expansion of digital financial services and fintech partnerships
- Growth in wealth management and private banking due to an aging population and increasing disposable income
- Cross-selling opportunities within the group's diverse financial product offerings
- Potential for strategic international expansion or acquisitions
Threats
- Intensifying competition from domestic and international fintech companies
- Changes in monetary policy and interest rate environments impacting profitability
- Increasing regulatory scrutiny and compliance costs
- Geopolitical risks affecting the South Korean economy and global financial markets
Competitors and Market Share
Key Competitors
- Shinhan Financial Group Co., Ltd. (KRX: 055550)
- KB Financial Group Inc. (KRX: 105560)
- Hana Financial Group Inc. (KRX: 086790)
Competitive Landscape
Woori Financial Group is a major player in the South Korean financial market, competing head-to-head with other large conglomerates like Shinhan, KB, and Hana. Its advantages lie in its established customer relationships and broad service offerings. However, it faces intense competition in product innovation and digital services, where agility is key. The landscape is characterized by a 'big four' dominating the market, making it challenging for smaller players to gain significant traction.
Growth Trajectory and Initiatives
Historical Growth: Woori Financial Group has demonstrated consistent growth in its core banking operations, expanding its loan portfolio and deposit base. The group has also focused on increasing fee-based income through its securities and insurance subsidiaries. Strategic mergers and acquisitions have played a role in its historical expansion.
Future Projections: Analysts generally project moderate but steady growth for Woori Financial Group, driven by continued economic development in South Korea and the company's ongoing efforts to enhance its digital capabilities and expand its fee-based income streams. Projections are typically in the single-digit percentage range for revenue and net income.
Recent Initiatives: Recent initiatives include investments in digital transformation to enhance customer experience, expansion of wealth management services, and efforts to improve operational efficiency. The group is also likely focusing on sustainable finance and ESG (Environmental, Social, and Governance) practices.
Summary
Woori Financial Group Inc. is a strong, diversified financial institution with a significant presence in the South Korean market. Its robust domestic network, comprehensive product offerings, and established brand loyalty are key strengths. The company needs to focus on enhancing its digital offerings and exploring international expansion opportunities to maintain its competitive edge and mitigate threats from agile fintech competitors and evolving regulatory landscapes.
Similar Stocks
Sources and Disclaimers
Data Sources:
- Company financial reports (e.g., annual reports, quarterly statements)
- Financial news and analysis websites
- Industry research reports
- Stock market data providers
Disclaimers:
This JSON output is for informational purposes only and should not be considered investment advice. Financial data and market information are subject to change. Users are encouraged to conduct their own due diligence and consult with a qualified financial advisor before making any investment decisions.
AI Summarization is directionally correct and might not be accurate.
Summarized information shown could be a few years old and not current.
Fundamental Rating based on AI could be based on old data.
AI-generated summaries may have inaccuracies (hallucinations). Please verify the information before taking action.
About Woori Financial Group Inc
Exchange NYSE | Headquaters - | ||
IPO Launch date 2003-10-01 | President, CEO & Executive Chairman Mr. Jong-Yong Yim | ||
Sector Financial Services | Industry Banks - Regional | Full time employees 68 | Website https://www.woorifg.com |
Full time employees 68 | Website https://www.woorifg.com | ||
Woori Financial Group Inc., together with its subsidiaries, operates as a commercial bank which provides various financial services to individual, business, and institutional customers in Korea. The company operates through Banking, Credit Card, Capital, Investment Securities, and Others segments. It offers savings, demand, and installment deposits; time deposits, certificates of deposit, and repurchase instruments; and working capital, facilities, general purpose household, mortgage, and home equity loans. 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 credit purchase, cash advance, credit card loans, foreign exchange services and dealing, import and export-related services, offshore lending, syndicated loans and foreign currency securities investment, investment trust products, bancassurance, and private equity funds. Further, the company is involved in the real estate, system software development and maintenance, financing, credit information, securities investment and trading, derivatives trading, asset securitization, investment and international banking, money transfer, and other service. Additionally, the company offers automated telephone, Internet, and mobile banking services; and trust management, trustee, and custodian service.Woori Financial Group Inc. through its subsidiary Tong Yang Life Insurance Co., Ltd. offers life insurance; accident compensation insurance and child insurance services; and retirement pension services and asset management services. Woori Financial Group Inc. was founded in 1899 and is headquartered in Seoul, South Korea.
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