Woori Financial Group Inc. American Depositary Shares (each representing three (3) shares of Common Stock) (WF)

FairStock Score: 49/100 — MIXED

Key Financials

AI Analysis

AI-generated, general educational analysis — not personal investment advice.

At the 2026-10-13 close of $71.94, FairStock’s calculations put Woori at 8.37 times earnings and 0.66 times book. For a bank, that is the first thing I notice: the market values the equity at a discount to stated book, and the dividend yield is 3.99%. But Graham taught me that book value is not a safe asset until I understand the loan book. The supplied data does not include CET1, net interest margin, or combined ratio, so I cannot judge capital adequacy, spread income, or credit/underwriting risk properly. What I do have is an 8.61% ROE, which is modest, and a Piotroski F-Score of 4/9, which is mediocre. The supplied growth figures show revenue +6.36% and profit -2.01%, though the period is not named. In filed fiscal Q2 2026, revenue was $3.6T and net income was $1.0T, a 27.73% margin—profitable, but not enough to prove consistency. The FairStock Score is 49/100, and no Lynch category can be assigned because only 0 years of filed results are available, versus the 3 needed. A beta of 0.53 and a 52-week range of $48.83–$84.71 suggest the stock is less volatile than the market and currently sits in the middle of its range. So: cheap-looking, adequately profitable, but with unanswered credit and capital questions. I would want more bank-specific disclosure before calling this a high-conviction bargain.

In plain English: Woori Financial Group is a Korean financial company that runs banking, insurance, card, capital, and investment businesses. It is profitable, but returns are moderate and profits have recently slipped. At the recent price, the stock looks cheap compared with its earnings and accounting value, though the business does not look strong enough to call it an obvious bargain.

The full AI analysis, bull and bear case and key monitorables are in FairStock Pro.

Data as of 2026-10-13 close · note generated 2026-10-15 · model deepseek-flash

Fundamentals from company filings and market-data providers; prices are end-of-day, not real-time. AI-generated analysis is general and educational — not personal investment advice. Scoring methodology · Score test · Disclaimer