Company Analysis

Woori Financial Group Inc. (WF)

NYSE: WF · Commercial Banks, NEC · Seoul Korea, KR · filing with the SEC since 2003
Grade2.2
◀ Past 1.3● Present 2.5▶ Future 3.2
4 est.

The grade of Woori Financial Group Inc.

Nine metrics read from its own filings, by tense
Headline grade
2.2/10
◀ Past1.340% of the headline
● Present2.535% of the headline
▶ Future3.225% of the headline

All three tenses have at least two readings, so the archetype blend applies as printed.

Of the nine metrics, 5 read as filed from the record and 4 are SI estimates, each with its reasoning, its confidence and what would change it on its card.

◀ Past

What did they actually do?

1.3/1040% of the headline grade · 3 of 3 filed

Surviving crises

as filed
0.9/10

Has it survived what it has been through?

1 warning event since 2017; the latest 2022-05-02.

weight 45% of this tense · 9th percentile among 33 sector filers · read for itself

From the record

Woori Financial Group Inc.'s filings since 2017 show 1 warning event: a late-report notice (Form NT 10-K or NT 10-Q, the latest 2022-05-02) (its current reports).

A production reading, recomputed from the filings on every data build, read from EDGAR Nov 13, 2026.

Track record

as filed
1.0/10

What has it actually done, year after year?

-8.9% a year over 3 filed years; profit years unseen.

weight 22% of this tense · 10th percentile among 22 sector filers · read for its customers

From the record

Woori Financial Group Inc.'s 3 filed years say what it did: revenue went from KRW 15553 billion in fiscal 2008 to KRW 12919 billion in fiscal 2010, down 8.9% a year; it rose in 0 of 2 years; the deepest fall was 17% from fiscal 2008 to fiscal 2010 (its annual reports).

What it rests on

  • revenue growth over the filed span-8.9%bottom 2% of its family
  • the share of years revenue rosebottom 2% of its family
  • the deepest fall from a revenue peak16.9%bottom 25% of its family

A production reading, recomputed from the filings on every data build, read from EDGAR Nov 13, 2026.

Shareholder treatment

as filed
2.0/10

How has it treated the people who own it?

Share count grew 0.8% a year. 2% of cash flow returned. Insiders: 0 sales, 0 purchases.

weight 33% of this tense · 20th percentile among 29 sector filers · read for its shareholders

From the record

Over the 3 fiscal years to 2024-12-31, Woori Financial Group Inc.'s diluted share count grew about 0.8% a year, and dividends and buybacks returned about 2% of its operating cash flow over 3 years (its filed statements). Its officers and directors filed 0 sales and 0 purchases of their own stock on the open market in the year to 2026-09-30 (their Form 4 filings).

What it rests on

  • the share count over the yearsbottom 22% of its family
  • cash returned against operating cash flowbottom 18% of its family

A production reading, recomputed from the filings on every data build, read from EDGAR Nov 13, 2026.

● Present

What are they doing right now?

2.5/1035% of the headline grade · 1 of 3 filed, 2 estimated

Financial health

as filed
2.7/10

Is it financially healthy right now?

ROE 9%: 9¢ of profit per shareholder dollar. Leverage 93%: owes 93¢ per asset dollar.

weight 45% of this tense · 27th percentile among 31 sector filers · read for itself

From the record

Return on equity: in the fiscal year ended 2024-12-31, Woori Financial Group Inc. earned about 9 cents of profit for every dollar of shareholders' money. Leverage: it owed about 93 cents per dollar of assets, and net share issuance: its share count grew 0.8% over the year (the filed statements).

What it rests on

  • what it owes per dollar of assetsbottom 37% of its family
  • return on equitybottom 27% of its family
  • the share count against the year beforebottom 16% of its family

A production reading, recomputed from the filings on every data build, read from EDGAR Nov 13, 2026.

Industry position

SI estimate
0.7/10

How strong is its position in its industry?

SI estimate 0.7/10, confidence 35 of 100 (one part).

weight 33% of this tense · 7th percentile among 23 sector filers · read for its customers

SI estimate Inferred, not read as filed

Why it is an estimate
Read from one part only, three-year revenue growth, which ranks in the bottom 7% of 23 in its family; fewer than two of the three parts can be read: size in the family's currency, net margin, three-year growth.
What the record cannot read
Fewer than two of the three parts can be read: size in the family's currency, net margin, three-year growth.
How it was reasoned
one part: three-year revenue growth, the one part on file, ranked among 23 in its family.
Confidence
35 of 100
What would change it
A filing that carries the missing parts replaces this estimate with the filed reading.

From the record

SI estimate, not a filed reading: Woori Financial Group Inc.'s industry position is put at 0.7 of 10 with a confidence of 35 of 100, because read from one part only, three-year revenue growth, which ranks in the bottom 7% of 23 in its family; fewer than two of the three parts can be read: size in the family's currency, net margin, three-year growth. A filing that carries the missing parts replaces this estimate with the filed reading.

Leadership

SI estimate
5.0/10

What are the people in charge doing?

SI estimate 5.0/10, confidence 15 of 100 (universe median).

weight 22% of this tense · 50th percentile among 3816 sector filers · read for its shareholders

SI estimate Inferred, not read as filed

Why it is an estimate
It files no Form 8-K (a foreign issuer reports on Form 6-K), so officer and director changes cannot be read there; no officer or director has filed a Form 3, 4 or 5 for it in the last fifteen months, so the years in charge cannot be read, and its family carries too few readings to lean on, so the desk assumes the typical reading over all 3816 companies with one.
What the record cannot read
It files no Form 8-K (a foreign issuer reports on Form 6-K), so officer and director changes cannot be read there; no officer or director has filed a Form 3, 4 or 5 for it in the last fifteen months, so the years in charge cannot be read.
How it was reasoned
universe median, 3816 readings behind it.
Confidence
15 of 100
What would change it
Its next annual report on file with the inputs replaces this estimate with the filed reading.

From the record

SI estimate, not a filed reading: Woori Financial Group Inc.'s leadership is put at 5.0 of 10 with a confidence of 15 of 100, because it files no Form 8-K (a foreign issuer reports on Form 6-K), so officer and director changes cannot be read there; no officer or director has filed a Form 3, 4 or 5 for it in the last fifteen months, so the years in charge cannot be read, and its family carries too few readings to lean on, so the desk assumes the typical reading over all 3816 companies with one. Its next annual report on file with the inputs replaces this estimate with the filed reading.

▶ Future

What are they set up to do next?

3.2/1025% of the headline grade · 1 of 3 filed, 2 estimated

Room to expand

SI estimate
1.4/10

How much room does it have to grow?

SI estimate 1.4/10, confidence 35 of 100 (one part).

weight 33% of this tense · 15th percentile among 31 sector filers · read for itself

SI estimate Inferred, not read as filed

Why it is an estimate
Read from one part only, cash less debt against assets, which ranks in the bottom 15% of 31 in its family; the record does not carry two of the four parts: cash less debt against assets, cash from operations less capital spending against revenue, gross margin, research against revenue.
What the record cannot read
The record does not carry two of the four parts: cash less debt against assets, cash from operations less capital spending against revenue, gross margin, research against revenue.
How it was reasoned
one part: cash less debt against assets, the one part on file, ranked among 31 in its family.
Confidence
35 of 100
What would change it
A filing that carries the missing parts replaces this estimate with the filed reading.

From the record

SI estimate, not a filed reading: Woori Financial Group Inc.'s room to expand is put at 1.4 of 10 with a confidence of 35 of 100, because read from one part only, cash less debt against assets, which ranks in the bottom 15% of 31 in its family; the record does not carry two of the four parts: cash less debt against assets, cash from operations less capital spending against revenue, gross margin, research against revenue. A filing that carries the missing parts replaces this estimate with the filed reading.

Growth drivers

as filed
3.3/10

What could actually drive growth from here?

bottom 32% of 22 in its family for growth drivers.

weight 33% of this tense · 32nd percentile among 22 sector filers · read for its customers

From the record

Woori Financial Group Inc.'s growth drivers, from the filed years to fiscal 2010: revenue grew -8.9% a year over the last three filed years against -8.9% over all 3, speeding up (top 48% of its family); the newest year grew -2.7% (bottom 7%); capital spending grew 23% a year (bottom 38%) (its annual reports). Woori Financial Group Inc. tags no split of its revenue by line in the annual report on file, so growth by line cannot be read here; research and capital spending are on the trend.

What it rests on

  • three-year growth against the whole span+0.0 points a yeartop 48% of its family
  • the newest year's revenue growth-2.7%bottom 7% of its family
  • three-year growth of capital spending23.0%bottom 38% of its family

A production reading, recomputed from the filings on every data build, read from EDGAR Nov 13, 2026.

Expectations vs reality

SI estimate
4.9/10

Did its newest year beat what its own record pointed to?

SI estimate 4.9/10, confidence 20 of 100 (family median).

weight 33% of this tense · 50th percentile among 20 sector filers · read for its shareholders

SI estimate Inferred, not read as filed

Why it is an estimate
The record does not carry four filed years of revenue and two of the three parts: revenue against the prior pace, earnings against the prior average, the margin change, so the desk assumes the typical reading of its industry family, the median of 20 members with one.
What the record cannot read
The record does not carry four filed years of revenue and two of the three parts: revenue against the prior pace, earnings against the prior average, the margin change.
How it was reasoned
family median, 20 readings behind it.
Confidence
20 of 100
What would change it
Its next annual report on file with the inputs replaces this estimate with the filed reading.

From the record

SI estimate, not a filed reading: Woori Financial Group Inc.'s expectations vs reality is put at 4.9 of 10 with a confidence of 20 of 100, because the record does not carry four filed years of revenue and two of the three parts: revenue against the prior pace, earnings against the prior average, the margin change, so the desk assumes the typical reading of its industry family, the median of 20 members with one. Its next annual report on file with the inputs replaces this estimate with the filed reading.

The grade is the company against its own industry, from its filings. It is not a view on the share price. How the grade is made

SI Assistanton WF · research, not advice