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GuruFocus Financial Strength Rank measures how strong a company’s financial situation is. It is based on these factors

1. The debt burden that the company has as measured by its Interest coverage (current year).
2. Debt to revenue ratio. The lower, the better
3. Altman Z-score.

A company ranks high with financial strength is likely to withstand any business slowdowns and recessions.

Financial Strength : 5/10

vs
industry
vs
history
Cash to Debt 0.16
WF's Cash to Debt is ranked higher than
51% of the 1256 Companies
in the Global Banks - Regional - Asia industry.

( Industry Median: 1.32 vs. WF: 0.16 )
WF' s 10-Year Cash to Debt Range
Min: 0.01   Max: No Debt
Current: 0.16

Equity to Asset 0.05
WF's Equity to Asset is ranked lower than
51% of the 1647 Companies
in the Global Banks - Regional - Asia industry.

( Industry Median: 0.09 vs. WF: 0.05 )
WF' s 10-Year Equity to Asset Range
Min: 0.04   Max: 0.85
Current: 0.05

0.04
0.85
F-Score: 4
Z-Score: 0.05
GuruFocus Profitability Rank ranks how profitable a company is and how likely the company’s business will stay that way. It is based on these factors:

1. Operating Margin
2. Trend of the Operating Margin (5-year average). The company with an uptrend profit margin has a higher rank.
••3. Consistency of the profitability
4. Piotroski F-Score
5. Predictability Rank•

The maximum rank is 10. A rank of 7 or higher means a higher profitability and may stay that way. A rank of 3 or lower indicates that the company has had trouble to make a profit.

Profitability Rank is not directly related to the Financial Strength Rank. But if a company is consistently profitable, its financial strength will be stronger.

Profitability & Growth : 4/10

vs
industry
vs
history
Operating margin (%) -10.22
WF's Operating margin (%) is ranked lower than
53% of the 1646 Companies
in the Global Banks - Regional - Asia industry.

( Industry Median: 29.41 vs. WF: -10.22 )
WF' s 10-Year Operating margin (%) Range
Min: -47.87   Max: 45.73
Current: -10.22

-47.87
45.73
Net-margin (%) -13.76
WF's Net-margin (%) is ranked lower than
53% of the 1665 Companies
in the Global Banks - Regional - Asia industry.

( Industry Median: 21.71 vs. WF: -13.76 )
WF' s 10-Year Net-margin (%) Range
Min: -37.56   Max: 43.42
Current: -13.76

-37.56
43.42
ROE (%) -3.01
WF's ROE (%) is ranked lower than
52% of the 1668 Companies
in the Global Banks - Regional - Asia industry.

( Industry Median: 8.17 vs. WF: -3.01 )
WF' s 10-Year ROE (%) Range
Min: -18.39   Max: 36.13
Current: -3.01

-18.39
36.13
ROA (%) -0.16
WF's ROA (%) is ranked lower than
52% of the 1668 Companies
in the Global Banks - Regional - Asia industry.

( Industry Median: 0.74 vs. WF: -0.16 )
WF' s 10-Year ROA (%) Range
Min: -0.84   Max: 1.78
Current: -0.16

-0.84
1.78
ROC (Joel Greenblatt) (%) -15.74
WF's ROC (Joel Greenblatt) (%) is ranked lower than
53% of the 1618 Companies
in the Global Banks - Regional - Asia industry.

( Industry Median: 73.28 vs. WF: -15.74 )
WF' s 10-Year ROC (Joel Greenblatt) (%) Range
Min: -47.11   Max: 98.44
Current: -15.74

-47.11
98.44
Revenue Growth (%) -14.50
WF's Revenue Growth (%) is ranked higher than
52% of the 1450 Companies
in the Global Banks - Regional - Asia industry.

( Industry Median: 1.00 vs. WF: -14.50 )
WF' s 10-Year Revenue Growth (%) Range
Min: 0   Max: 40.5
Current: -14.5

0
40.5
EPS Growth (%) -52.40
WF's EPS Growth (%) is ranked higher than
51% of the 1296 Companies
in the Global Banks - Regional - Asia industry.

( Industry Median: 9.20 vs. WF: -52.40 )
WF' s 10-Year EPS Growth (%) Range
Min: -60.6   Max: 156.5
Current: -52.4

-60.6
156.5
» WF's 10-Y Financials

Financials


Revenue & Net Income
Equity & Asset
Oprt. Cash Flow & Free Cash Flow

» Details

Guru Trades

Q2 2012

WF Guru Trades in Q2 2012

Jim Simons 11,100 sh (New)
» More
Q3 2012

WF Guru Trades in Q3 2012

Jim Simons Sold Out
» More
Q2 2013

WF Guru Trades in Q2 2013

Jim Simons 11,800 sh (New)
» More
Q3 2013

WF Guru Trades in Q3 2013

Jim Simons Sold Out
» More
» Details

Insider Trades

Latest Guru Trades with WF

(List those with share number changes of more than 20%, or impact to portfolio more than 0.1%)



No Insider Trades Found!
» Interactive Charts

Peter Lynch Chart ( What is Peter Lynch Charts )

Ratios

vs
industry
vs
history
P/B 0.60
WF's P/B is ranked higher than
91% of the 1831 Companies
in the Global Banks - Regional - Asia industry.

( Industry Median: 1.20 vs. WF: 0.60 )
WF' s 10-Year P/B Range
Min: 0.28   Max: 1.21
Current: 0.6

0.28
1.21
P/S 2.86
WF's P/S is ranked higher than
65% of the 1831 Companies
in the Global Banks - Regional - Asia industry.

( Industry Median: 3.06 vs. WF: 2.86 )
WF' s 10-Year P/S Range
Min: 0.62   Max: 28.51
Current: 2.86

0.62
28.51
PFCF 3.30
WF's PFCF is ranked higher than
89% of the 1831 Companies
in the Global Banks - Regional - Asia industry.

( Industry Median: 24.14 vs. WF: 3.30 )
WF' s 10-Year PFCF Range
Min: 1.23   Max: 186.01
Current: 3.3

1.23
186.01
Shiller P/E 12.40
WF's Shiller P/E is ranked higher than
91% of the 1831 Companies
in the Global Banks - Regional - Asia industry.

( Industry Median: 55.69 vs. WF: 12.40 )
WF' s 10-Year Shiller P/E Range
Min: 2.03   Max: 12.47
Current: 12.4

2.03
12.47

Dividend & Buy Back

vs
industry
vs
history
Dividend Yield 1.80
WF's Dividend Yield is ranked lower than
64% of the 1412 Companies
in the Global Banks - Regional - Asia industry.

( Industry Median: 2.46 vs. WF: 1.80 )
WF' s 10-Year Dividend Yield Range
Min: 1.21   Max: 2.35
Current: 1.8

1.21
2.35
Dividend growth (3y) -100.00
WF's Dividend growth (3y) is ranked higher than
56% of the 977 Companies
in the Global Banks - Regional - Asia industry.

( Industry Median: 5.40 vs. WF: -100.00 )
WF' s 10-Year Dividend growth (3y) Range
Min: 0   Max: -100
Current: -100

Yield on cost (5-Year) 1.80
WF's Yield on cost (5-Year) is ranked lower than
64% of the 1425 Companies
in the Global Banks - Regional - Asia industry.

( Industry Median: 2.70 vs. WF: 1.80 )
WF' s 10-Year Yield on cost (5-Year) Range
Min: 1.21   Max: 2.35
Current: 1.8

1.21
2.35

Valuation & Return

vs
industry
vs
history
Price/Tangible Book 0.60
WF's Price/Tangible Book is ranked higher than
92% of the 1831 Companies
in the Global Banks - Regional - Asia industry.

( Industry Median: 1.40 vs. WF: 0.60 )
WF' s 10-Year Price/Tangible Book Range
Min: 0.44   Max: 1.98
Current: 0.6

0.44
1.98
Price/DCF (Projected) 0.40
WF's Price/DCF (Projected) is ranked higher than
91% of the 1831 Companies
in the Global Banks - Regional - Asia industry.

( Industry Median: 1.60 vs. WF: 0.40 )
WF' s 10-Year Price/DCF (Projected) Range
Min: 0.18   Max: 0.65
Current: 0.4

0.18
0.65
Price/Median PS Value 1.40
WF's Price/Median PS Value is ranked higher than
52% of the 1831 Companies
in the Global Banks - Regional - Asia industry.

( Industry Median: 1.10 vs. WF: 1.40 )
WF' s 10-Year Price/Median PS Value Range
Min: 0.45   Max: 14.58
Current: 1.4

0.45
14.58
Earnings Yield (Greenblatt) 6.80
WF's Earnings Yield (Greenblatt) is ranked higher than
66% of the 1599 Companies
in the Global Banks - Regional - Asia industry.

( Industry Median: 6.90 vs. WF: 6.80 )
WF' s 10-Year Earnings Yield (Greenblatt) Range
Min: 0.3   Max: 23
Current: 6.8

0.3
23
Forward Rate of Return (Yacktman) 11.13
WF's Forward Rate of Return (Yacktman) is ranked higher than
68% of the 1295 Companies
in the Global Banks - Regional - Asia industry.

( Industry Median: 15.09 vs. WF: 11.13 )
WF' s 10-Year Forward Rate of Return (Yacktman) Range
Min: 11.1   Max: 106
Current: 11.13

11.1
106

Business Description

Industry: Banks » Banks - Regional - Asia
Compare:IDCBY, CICHY, BACHY, BHKLY, CMAKY » details
Traded in other countries:053000.Korea
Woori Finance Holdings Co., Ltd. was incorporated as Korea's first financial holding company on March 27, 2001 and commenced commercial operations on April 2, 2001. The Company's subsidiaries collectively engage in a range of businesses, including commercial banking, credit cards, capital markets activities, international banking, asset management and bancassurance. It provides a range of products and services to its customers, which mainly comprise individuals and small- and medium-sized enterprises, as well as some of Korea's largest corporations. It provides commercial banking services to large corporate customers (including government-owned enterprises) and small- and medium-sized enterprises in Korea. It also provides ancillary services on a fee basis. It provides its corporate banking services predominantly through Woori Bank, although Kyongnam Bank and Kwangju Bank provide similar services to small- and medium-sized enterprises in their respective geographical regions. Corporate loans it provides consist mainly of the following: working capital loans, which are loans used for general working capital purposes, typically with a maturity of one year or less, including notes discounted and trade finance; and facilities loans, which are loans to finance the purchase of materials, equipment and facilities, typically with a maturity of three years or more. On the deposit-taking side, it currently offers its corporate customers several types of corporate deposit products. These products could be divided into two general categories: demand deposits that have no restrictions on deposits or withdrawals, but which offer a relatively low interest rate; and time deposits from which withdrawals are restricted for a period of time, but offer higher interest rates. It also offers installment deposits, certificates of deposit and repurchases instruments. It provides retail banking services to consumers in Korea. The Company's consumer banking operations consist mainly of lending to and taking deposits from its retail customers. It offers a variety of consumer loan products to households and individuals. The Company's consumer loans consist of: general purpose household loans, which are loans made to customers for any purpose (other than mortgage and home equity loans), and include overdraft loans, which are loans extended to customers to cover insufficient funds when they withdraw funds from their demand deposit accounts with it in excess of the amount in such accounts up to a limit established by it; and mortgage loans, which are loans made to customers to finance home purchases, construction, improvements or rentals, and home equity loans, which are loans made to customers secured by their homes to ensure loan repayment. It offers diversified deposit products like time deposits, demand deposits, savings deposits, installment deposits, and certificates of deposit. It offers credit card products and services to consumers and corporate custo

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