WOORI FINANCIAL-SPON ADR (WF) Stock Fundamental Analysis
USA - New York Stock Exchange - NYSE:WF - US9810641087 - ADR
59.67 USD
+1.81 (+3.13%)
59.67 USD
0 (0%)
Overall WF gets a fundamental rating of 3 out of 10. We evaluated WF against 388 industry peers in the Banks industry. WF has a bad profitability rating. Also its financial health evaluation is rather negative. A decent growth rate in combination with a cheap valuation! Better keep an eye on WF. Finally WF also has an excellent dividend rating.
1. Profitability
1.1 Basic Checks
WF had positive earnings in the past year.
In the past year WF had a positive cash flow from operations.
In the past 5 years WF has always been profitable.
The reported operating cash flow has been mixed in the past 5 years: WF reported negative operating cash flow in multiple years.
1.2 Ratios
WF's Return On Assets of 0.52% is on the low side compared to the rest of the industry. WF is outperformed by 76.03% of its industry peers.
WF has a Return On Equity (8.68%) which is comparable to the rest of the industry.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| ROA | 0.52% | ||
| ROE | 8.68% | ||
| ROIC | N/A |
ROA(3y)0.56%
ROA(5y)0.51%
ROE(3y)8.9%
ROE(5y)8.38%
ROIC(3y)N/A
ROIC(5y)N/A
1.3 Margins
Looking at the Profit Margin, with a value of 17.16%, WF is doing worse than 72.42% of the companies in the same industry.
In the last couple of years the Profit Margin of WF has declined.
WF does not have Operating Margin and Gross Margin available, so we won't be analyzing them here.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| OM | N/A | ||
| PM (TTM) | 17.16% | ||
| GM | N/A |
OM growth 3YN/A
OM growth 5YN/A
PM growth 3Y-5.9%
PM growth 5Y-2.27%
GM growth 3YN/A
GM growth 5YN/A
2. Health
2.1 Basic Checks
WF does not have a ROIC to compare to the WACC, probably because it is not profitable.
Compared to 1 year ago, WF has less shares outstanding
The number of shares outstanding for WF has been increased compared to 5 years ago.
WF has a worse debt/assets ratio than last year.
2.2 Solvency
WF has a debt to FCF ratio of 25.84. This is a negative value and a sign of low solvency as WF would need 25.84 years to pay back of all of its debts.
Looking at the Debt to FCF ratio, with a value of 25.84, WF is doing worse than 82.99% of the companies in the same industry.
WF has a Debt/Equity ratio of 2.43. This is a high value indicating a heavy dependency on external financing.
WF's Debt to Equity ratio of 2.43 is on the low side compared to the rest of the industry. WF is outperformed by 89.95% of its industry peers.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Debt/Equity | 2.43 | ||
| Debt/FCF | 25.84 | ||
| Altman-Z | N/A |
ROIC/WACCN/A
WACC11.72%
2.3 Liquidity
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Current Ratio | N/A | ||
| Quick Ratio | N/A |
3. Growth
3.1 Past
WF shows a strong growth in Earnings Per Share. In the last year, the EPS has been growing by 21.25%, which is quite impressive.
The Earnings Per Share has been growing slightly by 7.67% on average over the past years.
WF shows quite a strong growth in Revenue. In the last year, the Revenue has grown by 9.33%.
WF shows quite a strong growth in Revenue. Measured over the last years, the Revenue has been growing by 11.94% yearly.
EPS 1Y (TTM)21.25%
EPS 3Y4.3%
EPS 5Y7.67%
EPS Q2Q%42.08%
Revenue 1Y (TTM)9.33%
Revenue growth 3Y11.69%
Revenue growth 5Y11.94%
Sales Q2Q%17.53%
3.2 Future
WF is expected to show a small growth in Earnings Per Share. In the coming years, the EPS will grow by 6.95% yearly.
The Revenue is expected to grow by 4.05% on average over the next years.
EPS Next Y12.67%
EPS Next 2Y7.22%
EPS Next 3Y6.95%
EPS Next 5YN/A
Revenue Next Year4.7%
Revenue Next 2Y4.54%
Revenue Next 3Y4.05%
Revenue Next 5YN/A
3.3 Evolution
When comparing the EPS growth rate of the last years to the growth rate of the upcoming years, we see that the growth is stable.
The Revenue growth rate is decreasing: in the next years the growth will be less than in the last years.
4. Valuation
4.1 Price/Earnings Ratio
A Price/Earnings ratio of 6.91 indicates a rather cheap valuation of WF.
Compared to the rest of the industry, the Price/Earnings ratio of WF indicates a rather cheap valuation: WF is cheaper than 95.88% of the companies listed in the same industry.
Compared to an average S&P500 Price/Earnings ratio of 26.59, WF is valued rather cheaply.
A Price/Forward Earnings ratio of 6.37 indicates a rather cheap valuation of WF.
WF's Price/Forward Earnings ratio is rather cheap when compared to the industry. WF is cheaper than 95.36% of the companies in the same industry.
When comparing the Price/Forward Earnings ratio of WF to the average of the S&P500 Index (24.03), we can say WF is valued rather cheaply.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| PE | 6.91 | ||
| Fwd PE | 6.37 |
4.2 Price Multiples
88.66% of the companies in the same industry are more expensive than WF, based on the Price/Free Cash Flow ratio.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| P/FCF | 6.36 | ||
| EV/EBITDA | N/A |
4.3 Compensation for Growth
The low PEG Ratio(NY), which compensates the Price/Earnings for growth, indicates a rather cheap valuation of the company.
PEG (NY)0.55
PEG (5Y)0.9
EPS Next 2Y7.22%
EPS Next 3Y6.95%
5. Dividend
5.1 Amount
With a Yearly Dividend Yield of 4.60%, WF is a good candidate for dividend investing.
Compared to an average industry Dividend Yield of 2.74, WF pays a better dividend. On top of this WF pays more dividend than 87.11% of the companies listed in the same industry.
WF's Dividend Yield is rather good when compared to the S&P500 average which is at 1.88.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Dividend Yield | 4.6% |
5.2 History
The dividend of WF is nicely growing with an annual growth rate of 13.48%!
WF has paid a dividend for at least 10 years, which is a reliable track record.
WF has decreased its dividend recently.
Dividend Growth(5Y)13.48%
Div Incr Years1
Div Non Decr Years1
5.3 Sustainability
WF pays out 29.78% of its income as dividend. This is a sustainable payout ratio.
The dividend of WF is growing, but the earnings are growing slower. This means the dividend growth is not sustainable.
DP29.78%
EPS Next 2Y7.22%
EPS Next 3Y6.95%
59.67
+1.81 (+3.13%)
Chartmill FA Rating
GICS SectorFinancials
GICS IndustryGroupBanks
GICS IndustryBanks
Earnings (Last)
Earnings (Next)
Inst Owners31.62%
Inst Owner Change-4.94%
Ins Owners0%
Ins Owner ChangeN/A
Market Cap14.60B
Revenue(TTM)17.89T
Net Income(TTM)3.07T
Analysts82.22
Price Target61.17 (2.51%)
Short Float %0.05%
Short Ratio1.95
Dividend
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Dividend Yield | 4.6% |
Yearly Dividend2.39
Dividend Growth(5Y)13.48%
DP29.78%
Div Incr Years1
Div Non Decr Years1
Ex-Date
Surprises & Revisions
EPS beat(2)1
Avg EPS beat(2)15.3%
Min EPS beat(2)-3.46%
Max EPS beat(2)34.06%
EPS beat(4)1
Avg EPS beat(4)-3%
Min EPS beat(4)-32.74%
Max EPS beat(4)34.06%
EPS beat(8)2
Avg EPS beat(8)-12.51%
EPS beat(12)3
Avg EPS beat(12)-12.08%
EPS beat(16)6
Avg EPS beat(16)-7.1%
Revenue beat(2)2
Avg Revenue beat(2)8.41%
Min Revenue beat(2)2.16%
Max Revenue beat(2)14.67%
Revenue beat(4)4
Avg Revenue beat(4)10.89%
Min Revenue beat(4)2.16%
Max Revenue beat(4)14.77%
Revenue beat(8)7
Avg Revenue beat(8)8.61%
Revenue beat(12)11
Avg Revenue beat(12)15.39%
Revenue beat(16)15
Avg Revenue beat(16)23.75%
PT rev (1m)4.92%
PT rev (3m)4.49%
EPS NQ rev (1m)-0.41%
EPS NQ rev (3m)32.24%
EPS NY rev (1m)0.58%
EPS NY rev (3m)5.88%
Revenue NQ rev (1m)0.32%
Revenue NQ rev (3m)-0.38%
Revenue NY rev (1m)-0.01%
Revenue NY rev (3m)0.01%
Valuation
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| PE | 6.91 | ||
| Fwd PE | 6.37 | ||
| P/S | 1.18 | ||
| P/FCF | 6.36 | ||
| P/OCF | 5.79 | ||
| P/B | 0.6 | ||
| P/tB | 0.62 | ||
| EV/EBITDA | N/A |
EPS(TTM)8.63
EY14.46%
EPS(NY)9.37
Fwd EY15.7%
FCF(TTM)9.38
FCFY15.72%
OCF(TTM)10.3
OCFY17.27%
SpS50.48
BVpS99.78
TBVpS96.72
PEG (NY)0.55
PEG (5Y)0.9
Graham Number139.19
Profitability
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| ROA | 0.52% | ||
| ROE | 8.68% | ||
| ROCE | N/A | ||
| ROIC | N/A | ||
| ROICexc | N/A | ||
| ROICexgc | N/A | ||
| OM | N/A | ||
| PM (TTM) | 17.16% | ||
| GM | N/A | ||
| FCFM | 18.58% |
ROA(3y)0.56%
ROA(5y)0.51%
ROE(3y)8.9%
ROE(5y)8.38%
ROIC(3y)N/A
ROIC(5y)N/A
ROICexc(3y)N/A
ROICexc(5y)N/A
ROICexgc(3y)N/A
ROICexgc(5y)N/A
ROCE(3y)N/A
ROCE(5y)N/A
ROICexgc growth 3YN/A
ROICexgc growth 5YN/A
ROICexc growth 3YN/A
ROICexc growth 5YN/A
OM growth 3YN/A
OM growth 5YN/A
PM growth 3Y-5.9%
PM growth 5Y-2.27%
GM growth 3YN/A
GM growth 5YN/A
F-Score8
Asset Turnover0.03
Health
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Debt/Equity | 2.43 | ||
| Debt/FCF | 25.84 | ||
| Debt/EBITDA | N/A | ||
| Cap/Depr | 26.46% | ||
| Cap/Sales | 1.83% | ||
| Interest Coverage | N/A | ||
| Cash Conversion | N/A | ||
| Profit Quality | 108.26% | ||
| Current Ratio | N/A | ||
| Quick Ratio | N/A | ||
| Altman-Z | N/A |
F-Score8
WACC11.72%
ROIC/WACCN/A
Cap/Depr(3y)37.47%
Cap/Depr(5y)38.87%
Cap/Sales(3y)2.56%
Cap/Sales(5y)2.54%
Profit Quality(3y)N/A
Profit Quality(5y)N/A
High Growth Momentum
Growth
EPS 1Y (TTM)21.25%
EPS 3Y4.3%
EPS 5Y7.67%
EPS Q2Q%42.08%
EPS Next Y12.67%
EPS Next 2Y7.22%
EPS Next 3Y6.95%
EPS Next 5YN/A
Revenue 1Y (TTM)9.33%
Revenue growth 3Y11.69%
Revenue growth 5Y11.94%
Sales Q2Q%17.53%
Revenue Next Year4.7%
Revenue Next 2Y4.54%
Revenue Next 3Y4.05%
Revenue Next 5YN/A
EBIT growth 1YN/A
EBIT growth 3YN/A
EBIT growth 5YN/A
EBIT Next Year-4.65%
EBIT Next 3Y-0.2%
EBIT Next 5YN/A
FCF growth 1Y-69.69%
FCF growth 3YN/A
FCF growth 5YN/A
OCF growth 1Y-67.72%
OCF growth 3YN/A
OCF growth 5YN/A
WOORI FINANCIAL-SPON ADR / WF FAQ
What is the ChartMill fundamental rating of WOORI FINANCIAL-SPON ADR (WF) stock?
ChartMill assigns a fundamental rating of 3 / 10 to WF.
Can you provide the valuation status for WOORI FINANCIAL-SPON ADR?
ChartMill assigns a valuation rating of 8 / 10 to WOORI FINANCIAL-SPON ADR (WF). This can be considered as Undervalued.
What is the profitability of WF stock?
WOORI FINANCIAL-SPON ADR (WF) has a profitability rating of 2 / 10.
What is the expected EPS growth for WOORI FINANCIAL-SPON ADR (WF) stock?
The Earnings per Share (EPS) of WOORI FINANCIAL-SPON ADR (WF) is expected to grow by 12.67% in the next year.
How sustainable is the dividend of WOORI FINANCIAL-SPON ADR (WF) stock?
The dividend rating of WOORI FINANCIAL-SPON ADR (WF) is 7 / 10 and the dividend payout ratio is 29.78%.