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WF

Woori Financial Group Inc.

WF

Woori Financial Group Inc. • NYSE
$54.95 ▲ 0.48% (+0.26)
Market Cap $13.44 B
52w High $57.97
52w Low $29.44
Dividend Yield 2.13%
P/E 6.42
Volume 43.67K
Outstanding Shares 244.67M

Income Statement

Period Revenue Operating Expense Net Income Net Profit Margin Earnings Per Share EBITDA
Q3-2025 $2.47T ▼ $1.158T ▼ $1.244T ▲ 50.369% ▲ $4.952K ▲ $314.923B ▼
Q2-2025 $6.251T ▲ $1.704T ▼ $935.328B ▲ 14.962% ▲ $3.675K ▲ $1.496T ▲
Q1-2025 $6.225T ▼ $1.873T ▼ $616.691B ▲ 9.906% ▲ $2.343K ▲ $1.174T ▲
Q4-2024 $6.327T ▼ $1.912T ▲ $426.128B ▼ 6.735% ▼ $1.422K ▼ $936.912B ▼
Q3-2024 $6.582T $1.593T $904.371B 13.741% $3.486K $1.495T

Balance Statement

Period Cash & Short-term Total Assets Total Liabilities Total Equity
Q3-2025 $0 ▼ $586.956T ▲ $549.805T ▲ $35.356T ▲
Q2-2025 $69.496T ▲ $534.113T ▲ $498.397T ▲ $34.175T ▲
Q1-2025 $68.619T ▼ $532.696T ▲ $497.173T ▲ $33.728T ▼
Q4-2024 $71.079T ▲ $525.753T ▼ $489.858T ▼ $34.097T ▲
Q3-2024 $70.185T $543.705T $507.503T $33.753T

Cash Flow Statement

Period Net Income Cash From Operations Cash From Investing Cash From Financing Net Change Free Cash Flow
Q3-2025 $1.244T ▲ $8.716T ▲ $-2.749T ▼ $-7.154T ▼ $-775.95B ▼ $8.708T ▲
Q2-2025 $939.743B ▲ $-2.097T ▼ $3.527T ▲ $3.946T ▲ $4.401T ▲ $-2.211T ▼
Q1-2025 $654.556B ▲ $-409.969B ▼ $391.532B ▲ $-1.692T ▲ $-1.674T ▲ $-487.325B ▼
Q4-2024 $454.071B ▼ $1.783T ▲ $-5.788T ▼ $-3.677T ▼ $-6.205T ▼ $1.69T ▲
Q3-2024 $916.978B $-28.256T $4.784T $31.992T $8.014T $-28.338T

Five-Year Company Overview

Income Statement

Income Statement Woori Financial Group’s earnings profile looks solid and fairly consistent over the past five years. Revenue has grown meaningfully over time, with a particularly large step-up in the latest year, suggesting either strong business expansion or a change in how revenue is reported. Profitability has stayed healthy through different interest rate and economic conditions, which is important for a bank. Net income and earnings per share have generally trended upward, showing that the group has been able to convert revenue into profit reasonably well. There are some year‑to‑year swings, but nothing that suggests a structural deterioration. The main question for the latest year is how sustainable the higher revenue level is, and how much of it comes from repeatable, core banking activities versus one‑off or more volatile sources.

Balance Sheet

Balance Sheet The balance sheet shows steady growth in total assets, which is typical for a large financial group that is expanding its lending and services. Equity has been rising over time as well, which indicates that profits are being retained and the capital base is being strengthened. That provides a larger cushion to absorb potential credit or market shocks. Debt levels have also increased, but not in a way that appears out of line with the growth in the overall business. Cash holdings move around from year to year but remain sizable, which is normal for a bank that must manage liquidity, deposits, and loans dynamically. Overall, the picture is of a growing institution with a progressively stronger capital position, though, as with any bank, asset quality and risk management (not shown in this data) remain key unknowns.

Cash Flow

Cash Flow Cash flow is more volatile than the income statement, which is common for banks. Operating cash flow swings between positive and negative, largely because changes in loans, deposits, and other financial assets can dominate the reported cash movements. This does not automatically signal a problem, but it does mean cash figures need to be viewed in the context of banking operations rather than like an industrial company. Free cash flow is also choppy, and negative in several years, again reflecting the nature of financial assets and funding, not heavy physical investment. Capital spending is quite small relative to the size of the group, which is typical for a bank that invests more in technology and people than in factories or equipment. The key takeaway is that reported cash flow volatility is more about balance sheet management than about the underlying profitability, which looks steadier.

Competitive Edge

Competitive Edge Woori is one of South Korea’s major financial groups, with a broad mix of businesses that include commercial banking, cards, securities, asset management, and insurance. This full-service model gives it many touchpoints with customers and opportunities to cross‑sell within its ecosystem. Its scale and brand recognition in the domestic market are important competitive strengths. At the same time, it operates in an intensely competitive environment where all large Korean financial groups are pushing hard into digital services and “super apps.” Woori’s own integrated app and diversified portfolio help defend its position, but it must constantly differentiate on user experience, pricing, and product range. Regulatory oversight and exposure to the Korean credit cycle remain structural constraints and sources of risk for all players in this space, including Woori.

Innovation and R&D

Innovation and R&D Woori is leaning heavily into digital and AI‑driven innovation. Its “New Woori WON Banking” super app is a central platform that ties together banking, cards, and investments, aiming to keep customers inside a single digital ecosystem. The use of AI for loan counseling (“AI Banker”), internal process automation, and data analytics suggests a deliberate push to improve both customer service and efficiency. Beyond core banking, Woori is experimenting with newer concepts such as a metaverse branch for small businesses, an NFT platform, and digital asset custody partnerships. It also runs a fintech incubator (Dino Lab) to tap into external innovation. These moves could deepen its moat if they gain real customer traction and produce measurable financial benefits, but many are still in early stages and carry execution and regulatory uncertainty. Strategically, the group’s plan to redirect large amounts of financing toward high‑tech and “productive” sectors, along with a strong ESG focus, indicates a long‑term, forward‑looking posture. The impact of this shift will depend on credit quality and how well these growth sectors perform over the economic cycle.

Summary

Overall, Woori Financial Group presents as a large, steadily growing Korean financial institution with solid profitability, a strengthening capital base, and a clear strategic tilt toward digital transformation and future‑oriented sectors. The income statement shows resilient earnings through different environments, while the balance sheet reflects gradually rising assets and equity, suggesting a more robust capital position over time. Cash flow is volatile, but that is typical for a bank and does not contradict the underlying profit trend. Competitively, Woori benefits from scale, diversification, and an increasingly integrated digital ecosystem, but it faces strong local rivals and the usual banking risks around credit quality, regulation, and macroeconomic conditions. Its heavy investment in AI, super‑app capabilities, digital assets, and “productive finance” could strengthen its long‑term position if executed well, though some of these initiatives are still experimental and their ultimate payoff remains uncertain.