Stock fact sheet · data as of
Woori Financial Group Inc. (WF): fair value, margin of safety and Wheel Score
Ticker symbol WF · Financial Services · Banks - Diversified · South Korea · ADR · Value Income
WF is an American depositary share (ADR): the US listing of Woori Financial Group Inc., whose own shares trade on its home exchange. It trades in dollars during US hours; currency moves and the home country's rules also affect it, and the depositary bank charges a small yearly fee.
Is WF undervalued?
WF has a margin of safety of 77%: the stock closed at 68.83 on 5 Nov 2026 against a GLS average fair value of 298.93. 6 of the 8 valuation models that produced a number sit above the price. Our scans treat a discount this large as a strong starting point for a cash-secured put, not as a verdict - the fair value is a model output, and a wide gap can mean the models are missing something the market knows.
There is a wide gap between GLS Growth (25.81) and 10 Cap (1,379.05). When the models are this far apart the "fair value" is really a range, and the margin of safety above should be read with that range in mind.
Ranked against every other company we cover, WF is clearly cheaper than it is fast-growing, so the nightly engine files it under Value (value score 88, growth score 9, out of 100). It also carries the Income tag (Income = a dividend yield of 4% or more).
Nine valuation models for WF
Each model turns the latest filed numbers into a value per share; the GLS fair value is the simple average of the ones that produce a positive number. The last two rows are shown for reference and never enter the average. The Quote page lets you switch any model off and add your own margin of safety.
| Model | Value | vs price | What it measures |
|---|---|---|---|
| DCF | - | - | Present value of the projected free cash flows, discounted at the cost of capital; no value tonight |
| Graham Number | 139.78 | +103% | The most a defensive investor pays for the earnings and book value per share |
| Graham Growth | 209.25 | +204% | Graham's growth formula: EPS × (8.5 + 2 × growth), adjusted for bond yields |
| Lynch | 69.53 | +1% | EPS × the earnings growth rate (PEG of 1), growth capped at 25% |
| GLS Growth | 25.81 | -63% | EPS compounded ten years at the blended growth rate, discounted back at 15% a year |
| 10 Cap | 1,379.05 | +1904% | Owner's earnings (operating cash flow less maintenance capex) capitalised at 10% |
| Payback Time | 422.45 | +514% | Eight years of compounded free cash flow: the price at which the business pays for itself |
| DDM | 47.62 | -31% | Dividend discount model: next year's dividend ÷ (10% − 3% growth); needs a dividend |
| EPV | 97.96 | +42% | Earnings power value: current EPS capitalised at 9% with no growth |
| Zombie (liquidation) | -1,587.14 | -2406% | Current assets less all liabilities, per share: the balance-sheet floor. Not in the average |
| Wall St target | 0.0000 | -100% | Analysts' average 12-month price target. Not in the average |
Quality and financial health
Woori Financial Group Inc. scores 6 of 9 on the Piotroski F-score: a middling result that passes the "Piotroski 6 or more" Wheel Trade Filter. Some of the nine tests on profitability, leverage and efficiency are failed, so the accounts are worth a look before selling a put on the name. A GLS Moat score of 3.9/10 is a weak reading: the accounts do not show returns and margins that competitors have been unable to wear down, so the Moat part of the Wheel Score contributes little.
Returns on capital are thin or negative - ROIC 2.6%, ROE 10.0%, ROA 0.5% - with debt at 2.93 times equity and a free-cash-flow yield of 92.1%. Debt of 2.93 times equity is on the high side for the sector and is worth checking against the cash flow before treating the stock as a long-term hold.
The dividend yield is high at 4.70% (payout ratio 34%). A yield this size is often the market's way of pricing a risk to the payout, so the health score and cash flow matter more than usual.
Institutional ownership scores 1/10, insider activity 5/10 and Congressional trading 5/10 on the GLS smart-money scales.
| Piotroski F-score | 6 / 9 | ROIC | 2.6% |
|---|---|---|---|
| GLS Moat | 3.9 / 10 | ROE | 10.0% |
| Debt / equity | 2.93 | ROA | 0.5% |
| Free-cash-flow yield | 92.1% | Payout ratio | 34% |
| Institutions | 1 / 10 | Insiders · Congress | 5 · 5 / 10 |
Wheel Score 34: No options
No options are listed on Woori Financial Group Inc. in our nightly snapshot, so it fails the first Wheel Trade Filter (options that actually trade) (it reads 34, under 70) and is left out of every options scan; the fair value and health figures above are still useful for a plain stock position.
Volume runs at 194k shares a day on a market cap of $16.8B, with a beta of 0.57 - a low beta, so day-to-day moves are smaller than the market's; the Stability part of the Wheel Score rates that good.
| Filter | Wheel Trade Filter | Result | Detail |
|---|---|---|---|
| 1 | Options that actually trade | Fails | no listed options |
| 2 | A real business, not a gamble | Passes | Profitable over the last twelve months - not a speculative stock, fund or note |
| 3 | Below fair value | Passes | Trading below the nine-model average fair value (margin of safety above 0) |
| 4 | Financially healthy | Passes | Piotroski F-score 6 or more out of 9 (a company with no score on file passes) |
| 5 | Can repay its debt | Passes | Long-term debt repaid from 3 years of operating cash flow or less (6 for real estate and utilities; banks and insurers are not judged on it) |
| 6 | No serious red flags | Passes | Red Flags score 60 or more out of 100 (earnings, margins, debt, analysts, filings and price checked the same way for every stock) |
| 7 | A premium worth selling | Fails | no implied volatility |
| 8 | Big enough | Passes | Market cap $1 billion or more |
| 9 | Not a penny stock | Passes | Share price $5 or more |
| How it ranks | Rating | From | |
|---|---|---|---|
| Value | Strong | 77% below fair value | |
| Premium | Weak | no option data | |
| Moat | Fair | moat 3.9/10 | |
| Health | Good | Piotroski 6/9 | |
| Red Flags | Fair | not scored yet - half marks | |
| Option trading | Weak | no option volume data | |
| Stability | Good | beta 0.57, $16.8B company |
The Wheel Score ranks ~7,400 US stocks for selling cash-secured puts and covered calls: a stock must pass all 9 Wheel Trade Filters to score 70, and the score then ranks the ones that pass; the Sunday Scan is the top 10. It is updated nightly and is not a recommendation. How the Wheel Score works · the walkthrough lesson shows how it fits into a trade, start to finish.
Upcoming events
Woori Financial Group Inc. reports earnings on 13 Nov 2026 (before the open) - inside the 14-day window the Sunday Scan avoids, because a put sold now would carry the report's gap risk.
Earnings, dividend, IPO, split and economic calendars for the whole market, filterable to your watchlists.
Similar stocks in Banks - Diversified
The 12 companies below are the closest to Woori Financial Group Inc. by market cap within the Banks - Diversified industry, each with its own fact sheet; the Compare page puts up to eight of them side by side.
| Stock | Close | Fair value | MoS | Wheel | Mkt cap |
|---|---|---|---|---|---|
| BAP Credicorp Ltd. | 359.21 | 586.71 | +39% | 53Fair | $28.5B |
| WFCNP Wells Fargo & Company | 2.75 | 52.80 | +95% | 36No options | $8.4B |
| BCS Barclays PLC | 23.70 | 130.70 | +82% | 80Good | $79.8B |
| ING ING Groep N.V. | 32.84 | 49.94 | +34% | 43Weak | $93.4B |
| SMFG Sumitomo Mitsui Financial Group, Inc. | 24.63 | 71.08 | +65% | 48Weak | $95.4B |
| CM Canadian Imperial Bank of Commerce | 119.87 | 131.01 | +9% | 71Good | $108.8B |
| BNS The Bank of Nova Scotia | 96.43 | 136.01 | +29% | 47Weak | $117.5B |
| BMO Bank of Montreal | 177.47 | 317.92 | +44% | 81Good | $123.4B |
| BBVA Banco Bilbao Vizcaya Argentaria, S.A. | 25.47 | 52.66 | +52% | 49Weak | $140.8B |
| UBS UBS Group AG | 50.67 | 77.43 | +35% | 80Good | $155.1B |
| SAN Banco Santander, S.A. | 12.07 | 38.86 | +69% | 48Weak | $179.8B |
| C Citigroup Inc. | 124.75 | 174.18 | +28% | 52Fair | $209.3B |
Scan the whole market the same way
A free GLS Equity account gets you nightly fair value and the Wheel Score on ~7,400 US stocks, a watchlist, the scanner preview and the Sunday Scan - the top 10 stocks that pass all 9 Wheel Trade Filters, emailed every week. Pro adds the full put and call scanners, unlimited watchlists with alerts and the trade journal.
Start free See the Sunday ScanQuestions about WF
Is WF undervalued right now?
By the GLS models, yes: at 68.83 the stock is 77% below the average fair value of 298.93 (data as of 5 Nov 2026). Whether the discount is deserved is the question to research next.
What is the Wheel Score of WF and what does it mean?
WF has no listed options in our nightly snapshot, so it cannot be wheeled; it fails the first Wheel Trade Filter (options that actually trade), stays under 70 and is shown as "No options".
What is the GLS fair value for WF?
298.93 per share as of 5 Nov 2026 - the simple average of the 8 valuation models (out of nine: DCF, Graham Number, Graham Growth, Lynch, GLS Growth, 10 Cap, Payback Time, DDM and EPV) that produced a positive value. The models run every night on the latest filings; the Quote page lets you switch any of them off and add a margin of safety of your own.
When does Woori Financial Group Inc. report earnings next?
The next earnings report is due on 13 Nov 2026 (before the open), 8 days from the data date of 5 Nov 2026. The Calendars page lists every upcoming report with its time of day.
Does WF have listed options, and how liquid are they?
No. The nightly options snapshot found no listed contracts on WF, so the wheel strategy cannot be run on it and the Wheel Score stays under 70.
Is WF an ADR?
Yes. WF is an American depositary share (ADR): the US listing of Woori Financial Group Inc., whose own shares trade on its home exchange. It trades in dollars during US hours; currency moves and the home country's rules also affect it, and the depositary bank charges a small yearly fee.