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A316

Woori Financial Group KOSE:A316140 Stock Report

Last Price

₩12.00k

Market Cap

₩8.6t

7D

-6.6%

1Y

3.9%

Updated

02 Jul, 2022

Data

Company Financials +
A316140 fundamental analysis
Snowflake Score
Valuation6/6
Future Growth1/6
Past Performance4/6
Financial Health6/6
Dividends4/6

A316140 Stock Overview

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.

Woori Financial Group Competitors

Price History & Performance

Summary of all time highs, changes and price drops for Woori Financial Group
Historical stock prices
Current Share Price₩12,000.00
52 Week High₩16,350.00
52 Week Low₩10,450.00
Beta0.51
1 Month Change-17.81%
3 Month Change-21.82%
1 Year Change3.90%
3 Year Change-14.59%
5 Year Change-35.66%
Change since IPO-8.40%

Recent News & Updates

Shareholder Returns

A316140KR BanksKR Market
7D-6.6%-5.1%-2.6%
1Y3.9%-8.1%-28.7%

Return vs Industry: A316140 exceeded the KR Banks industry which returned -8.1% over the past year.

Return vs Market: A316140 exceeded the KR Market which returned -28.7% over the past year.

Price Volatility

Is A316140's price volatile compared to industry and market?
A316140 volatility
A316140 Average Weekly Movement4.5%
Banks Industry Average Movement3.8%
Market Average Movement6.3%
10% most volatile stocks in KR Market10.6%
10% least volatile stocks in KR Market3.9%

Stable Share Price: A316140 is less volatile than 75% of KR stocks over the past 3 months, typically moving +/- 5% a week.

Volatility Over Time: A316140's weekly volatility (5%) has been stable over the past year.

About the Company

FoundedEmployeesCEOWebsite
1899124Tae-Seung Sonhttps://www.woorifg.com

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, Capital, Investment Banking, and Others segments. The company offers savings, demand, and installment deposits; time deposits and certificates of deposit; and working capital, facilities, general purpose household, mortgage, and home equity loans.

Woori Financial Group Fundamentals Summary

How do Woori Financial Group's earnings and revenue compare to its market cap?
A316140 fundamental statistics
Market Cap₩8.59t
Earnings (TTM)₩2.67t
Revenue (TTM)₩9.29t

3.2x

P/E Ratio

0.3x

P/B Ratio

Earnings & Revenue

Key profitability statistics from the latest earnings report
A316140 income statement (TTM)
Revenue₩9.29t
Cost of Revenue₩32.40b
Gross Profit₩9.25t
Other Expenses₩6.58t
Earnings₩2.67t

Last Reported Earnings

Mar 31, 2022

Next Earnings Date

n/a

Earnings per share (EPS)3.74k
Gross Margin99.65%
Net Profit Margin28.80%
Debt/Equity Ratio267.4%

How did A316140 perform over the long term?

See historical performance and comparison

Dividends

7.5%

Current Dividend Yield

24%

Payout Ratio
We’ve recently updated our valuation analysis.

Valuation

Is A316140 undervalued compared to its fair value, analyst forecasts and its price relative to the market?

Valuation Score

6/6

Valuation Score 6/6

  • Price-To-Earnings vs Peers

  • Price-To-Earnings vs Industry

  • Price-To-Earnings vs Fair Ratio

  • Below Fair Value

  • Significantly Below Fair Value

  • PEG Ratio

Key Valuation Metric

Which metric is best to use when looking at relative valuation for A316140?

Other financial metrics that can be useful for relative valuation.

A316140 key valuation metrics and ratios. From Price to Earnings, Price to Sales and Price to Book to Price to Earnings Growth Ratio, Enterprise Value and EBITDA.
Key Statistics
Enterprise Value/Revenuen/a
Enterprise Value/EBITDAn/a
PEG Ratio0.9x

Price to Earnings Ratio vs Peers

How does A316140's PE Ratio compare to its peers?

A316140 PE Ratio vs Peers
The above table shows the PE ratio for A316140 vs its peers. Here we also display the market cap and forecasted growth for additional consideration.
CompanyPEEstimated GrowthMarket Cap
Peer Average18.3x
A024110 Industrial Bank of Korea
3.3x5.7%₩7.2t
A323410 KakaoBank
61.5xn/a₩13.8t
A055550 Shinhan Financial Group
4.9x3.3%₩20.0t
A086790 Hana Financial Group
3.6x4.9%₩11.4t
A316140 Woori Financial Group
3.2x3.6%₩8.6t

Price-To-Earnings vs Peers: A316140 is good value based on its Price-To-Earnings Ratio (3.2x) compared to the peer average (18.3x).


Price to Earnings Ratio vs Industry

How does A316140's PE Ratio compare vs other companies in the Asian Banks Industry?

Price-To-Earnings vs Industry: A316140 is good value based on its Price-To-Earnings Ratio (3.2x) compared to the KR Banks industry average (3.4x)


Price to Earnings Ratio vs Fair Ratio

What is A316140's PE Ratio compared to its Fair PE Ratio? This is the expected PE Ratio taking into account the company's forecast earnings growth, profit margins and other risk factors.

A316140 PE Ratio vs Fair Ratio.
Fair Ratio
Current PE Ratio3.2x
Fair PE Ratio4.4x

Price-To-Earnings vs Fair Ratio: A316140 is good value based on its Price-To-Earnings Ratio (3.2x) compared to the estimated Fair Price-To-Earnings Ratio (4.4x).


Share Price vs Fair Value

What is the Fair Price of A316140 when looking at its future cash flows? For this estimate we use a Discounted Cash Flow model.

Below Fair Value: A316140 (₩12000) is trading below our estimate of fair value (₩53327.06)

Significantly Below Fair Value: A316140 is trading below fair value by more than 20%.


Price to Earnings Growth Ratio

PEG Ratio: A316140 is good value based on its PEG Ratio (0.9x)


Discover undervalued companies

Future Growth

How is Woori Financial Group forecast to perform in the next 1 to 3 years based on estimates from 18 analysts?

Future Growth Score

1/6

Future Growth Score 1/6

  • Earnings vs Savings Rate

  • Earnings vs Market

  • High Growth Earnings

  • Revenue vs Market

  • High Growth Revenue

  • Future ROE


3.6%

Forecasted annual earnings growth

Earnings and Revenue Growth Forecasts


Analyst Future Growth Forecasts

Earnings vs Savings Rate: A316140's forecast earnings growth (3.6% per year) is above the savings rate (3.6%).

Earnings vs Market: A316140's earnings (3.6% per year) are forecast to grow slower than the KR market (13.9% per year).

High Growth Earnings: A316140's earnings are forecast to grow, but not significantly.

Revenue vs Market: A316140's revenue (4.1% per year) is forecast to grow slower than the KR market (8.9% per year).

High Growth Revenue: A316140's revenue (4.1% per year) is forecast to grow slower than 20% per year.


Earnings per Share Growth Forecasts


Future Return on Equity

Future ROE: A316140's Return on Equity is forecast to be low in 3 years time (10.3%).


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Past Performance

How has Woori Financial Group performed over the past 5 years?

Past Performance Score

4/6

Past Performance Score 4/6

  • Quality Earnings

  • Growing Profit Margin

  • Earnings Trend

  • Accelerating Growth

  • Earnings vs Industry

  • High ROE


9.5%

Historical annual earnings growth

Earnings and Revenue History

Quality Earnings: A316140 has a high level of non-cash earnings.

Growing Profit Margin: A316140's current net profit margins (28.8%) are higher than last year (19.8%).


Past Earnings Growth Analysis

Earnings Trend: A316140's earnings have grown by 9.5% per year over the past 5 years.

Accelerating Growth: A316140's earnings growth over the past year (88.9%) exceeds its 5-year average (9.5% per year).

Earnings vs Industry: A316140 earnings growth over the past year (88.9%) exceeded the Banks industry 37.2%.


Return on Equity

High ROE: A316140's Return on Equity (10.1%) is considered low.


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Financial Health

How is Woori Financial Group's financial position? (This company is analysed differently as a bank or financial institution)

Financial Health Score

6/6

Financial Health Score 6/6

  • Asset Level

  • Allowance for Bad Loans

  • Low Risk Liabilities

  • Loan Level

  • Low Risk Deposits

  • Level of Bad Loans

Financial Position Analysis


Debt to Equity History and Analysis


Balance Sheet


Financial Institutions Analysis

Asset Level: A316140's Assets to Equity ratio (15.9x) is moderate.

Allowance for Bad Loans: A316140 has a sufficient allowance for bad loans (163%).

Low Risk Liabilities: 74% of A316140's liabilities are made up of primarily low risk sources of funding.

Loan Level: A316140 has an appropriate level of Loans to Assets ratio (72%).

Low Risk Deposits: A316140's Loans to Deposits ratio (103%) is appropriate.

Level of Bad Loans: A316140 has an appropriate level of bad loans (0.4%).


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Dividend

What is Woori Financial Group current dividend yield, its reliability and sustainability?

Dividend Score

4/6

Dividend Score 4/6

  • Notable Dividend

  • High Dividend

  • Stable Dividend

  • Growing Dividend

  • Earnings Coverage

  • Future Dividend Coverage


7.50%

Current Dividend Yield

Dividend Yield vs Market

Notable Dividend: A316140's dividend (7.5%) is higher than the bottom 25% of dividend payers in the KR market (1.03%).

High Dividend: A316140's dividend (7.5%) is in the top 25% of dividend payers in the KR market (3.23%)


Stability and Growth of Payments

Stable Dividend: A316140 has been paying a dividend for less than 10 years and during this time payments have been volatile.

Growing Dividend: A316140's dividend payments have increased, but the company has only paid a dividend for 7 years.


Current Payout to Shareholders

Earnings Coverage: With its low payout ratio (24.3%), A316140's dividend payments are well covered by earnings.


Future Payout to Shareholders

Future Dividend Coverage: A316140's dividends in 3 years are forecast to be well covered by earnings (26.8% payout ratio).


Discover strong dividend paying companies

Management

How experienced are the management team and are they aligned to shareholders interests?

3.5yrs

Average board tenure


CEO

Tae-Seung Son (63 yo)

3.5yrs

Tenure

₩1,112,000,000

Compensation

Mr. Tae-Seung Son was Chairman at Woori Bank Vietnam Limited. He served as Director of Woori Bank and was its President. He is Chief Executive Officer, President and Director at Woori Financial Group Inc....


CEO Compensation Analysis

Compensation vs Market: Tae-Seung's total compensation ($USD855.11K) is about average for companies of similar size in the KR market ($USD1.03M).

Compensation vs Earnings: Tae-Seung's compensation has been consistent with company performance over the past year.


Board Members

Experienced Board: A316140's board of directors are considered experienced (3.5 years average tenure).


Ownership

Who are the major shareholders and have insiders been buying or selling?


Insider Trading Volume

Insider Buying: Insufficient data to determine if insiders have bought more shares than they have sold in the past 3 months.


Ownership Breakdown

Dilution of Shares: Shareholders have not been meaningfully diluted in the past year.


Top Shareholders

Company Information

Woori Financial Group Inc.'s employee growth, exchange listings and data sources


Key Information

  • Name: Woori Financial Group Inc.
  • Ticker: A316140
  • Exchange: KOSE
  • Founded: 1899
  • Industry: Diversified Banks
  • Sector: Banks
  • Implied Market Cap: ₩8.592t
  • Shares outstanding: 716.00m
  • Website: https://www.woorifg.com

Number of Employees


Location

  • Woori Financial Group Inc.
  • 51, Sogong-ro
  • Jung-Gu
  • Seoul
  • 4632
  • South Korea

Listings


Company Analysis and Financial Data Status

All financial data provided by Standard & Poor's Capital IQ.
DataLast Updated (UTC time)
Company Analysis2022/07/02 00:00
End of Day Share Price2022/07/01 00:00
Earnings2022/03/31
Annual Earnings2021/12/31


Unless specified all financial data is based on a yearly period but updated quarterly. This is known as Trailing Twelve Month (TTM) or Last Twelve Month (LTM) Data. Learn more here.