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Also traded in: Germany, Korea

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 0.18
WF's Cash-to-Debt is ranked lower than
89% of the 1495 Companies
in the Global Banks - Regional - Asia industry.

( Industry Median: 1.97 vs. WF: 0.18 )
Ranked among companies with meaningful Cash-to-Debt only.
WF' s Cash-to-Debt Range Over the Past 10 Years
Min: 0.08  Med: 0.17 Max: N/A
Current: 0.18
Equity-to-Asset 0.07
WF's Equity-to-Asset is ranked lower than
84% of the 1496 Companies
in the Global Banks - Regional - Asia industry.

( Industry Median: 0.10 vs. WF: 0.07 )
Ranked among companies with meaningful Equity-to-Asset only.
WF' s Equity-to-Asset Range Over the Past 10 Years
Min: 0.04  Med: 0.06 Max: 0.07
Current: 0.07
0.04
0.07
Interest Coverage 0.13
WF's Interest Coverage is ranked lower than
96% of the 1758 Companies
in the Global Banks - Regional - Asia industry.

( Industry Median: 1.61 vs. WF: 0.13 )
Ranked among companies with meaningful Interest Coverage only.
WF' s Interest Coverage Range Over the Past 10 Years
Min: 0.05  Med: 0.27 Max: 0.45
Current: 0.13
0.05
0.45
Beneish M-Score: 425.68
WACC vs ROIC
6.98%
0.69%
WACC
ROIC
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 : 5/10

vs
industry
vs
history
Operating Margin % 4.07
WF's Operating Margin % is ranked lower than
90% of the 1511 Companies
in the Global Banks - Regional - Asia industry.

( Industry Median: 30.68 vs. WF: 4.07 )
Ranked among companies with meaningful Operating Margin % only.
WF' s Operating Margin % Range Over the Past 10 Years
Min: 4.07  Med: 20.28 Max: 45.73
Current: 4.07
4.07
45.73
Net Margin % 11.14
WF's Net Margin % is ranked lower than
81% of the 1510 Companies
in the Global Banks - Regional - Asia industry.

( Industry Median: 21.91 vs. WF: 11.14 )
Ranked among companies with meaningful Net Margin % only.
WF' s Net Margin % Range Over the Past 10 Years
Min: -9.7  Med: 15.99 Max: 33.17
Current: 11.14
-9.7
33.17
ROE % 5.34
WF's ROE % is ranked lower than
72% of the 1509 Companies
in the Global Banks - Regional - Asia industry.

( Industry Median: 8.30 vs. WF: 5.34 )
Ranked among companies with meaningful ROE % only.
WF' s ROE % Range Over the Past 10 Years
Min: -6.35  Med: 7.45 Max: 37.31
Current: 5.34
-6.35
37.31
ROA % 0.41
WF's ROA % is ranked lower than
77% of the 1518 Companies
in the Global Banks - Regional - Asia industry.

( Industry Median: 0.87 vs. WF: 0.41 )
Ranked among companies with meaningful ROA % only.
WF' s ROA % Range Over the Past 10 Years
Min: -0.32  Med: 0.43 Max: 2.1
Current: 0.41
-0.32
2.1
3-Year Revenue Growth Rate 30.20
WF's 3-Year Revenue Growth Rate is ranked higher than
96% of the 1316 Companies
in the Global Banks - Regional - Asia industry.

( Industry Median: 3.90 vs. WF: 30.20 )
Ranked among companies with meaningful 3-Year Revenue Growth Rate only.
WF' s 3-Year Revenue Growth Rate Range Over the Past 10 Years
Min: -17.6  Med: 2 Max: 30.2
Current: 30.2
-17.6
30.2
3-Year EBITDA Growth Rate 52.90
WF's 3-Year EBITDA Growth Rate is ranked higher than
95% of the 1228 Companies
in the Global Banks - Regional - Asia industry.

( Industry Median: 6.20 vs. WF: 52.90 )
Ranked among companies with meaningful 3-Year EBITDA Growth Rate only.
WF' s 3-Year EBITDA Growth Rate Range Over the Past 10 Years
Min: -40.5  Med: -17.1 Max: 70.2
Current: 52.9
-40.5
70.2
3-Year EPS without NRI Growth Rate 103.90
WF's 3-Year EPS without NRI Growth Rate is ranked higher than
98% of the 1184 Companies
in the Global Banks - Regional - Asia industry.

( Industry Median: 7.30 vs. WF: 103.90 )
Ranked among companies with meaningful 3-Year EPS without NRI Growth Rate only.
WF' s 3-Year EPS without NRI Growth Rate Range Over the Past 10 Years
Min: -59.4  Med: -22.4 Max: 156.1
Current: 103.9
-59.4
156.1
GuruFocus has detected 5 Warning Signs with Woori Bank $WF.
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» WF's 10-Y Financials

Financials (Next Earnings Date: 2017-07-19 Est.)


Revenue & Net Income
Equity & Asset
Operating Cash Flow & Free Cash Flow
Operating Cash Flow & Net Income

» Details

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Business Description

Industry: Banks » Banks - Regional - Asia  
Compare: » details
Traded in other countries:4WBA.Germany, 000030.Korea,
Woori Bank operates as a commercial bank. The Company provides corporate banking, consumer banking, investment banking and capital markets services.

Woori Bank was established in 1899 and is engaged in the commercial banking business under the Banking Law, trust business under the Financial Investment Services and Capital Market Act, and foreign currencies exchange business with approval from the Bank of Korea and the Ministry of Finance and Economy. Its operations include a range of businesses, including corporate banking, consumer banking, credit card operations, investment banking, capital markets activities and other businesses. It provides a range of products and services to its customers, which mainly comprise small- and medium-sized enterprises. It provides commercial banking services to large corporate customers (including government-owned enterprises) and small- and medium-sized enterprises in Korea. Currently, its corporate banking operations consist mainly of lending to and taking deposits from its corporate customers. Its large corporate customers include companies that have assets of worth12 billion or more and are therefore subject to external audit under the External Audit Act of Korea. It services its large corporate customers primarily through its network of dedicated corporate banking centers and general managers. It provides retail banking services to consumers in Korea. Its consumer banking operations consist mainly of lending to and taking deposits from its retail customers. It also provides ancillary services on a fee basis, such as wire transfers. Its private banking operations aim to service its high net worth and mass affluent retail customers. It competes with other financial institutions in Korea, including principally nationwide and regional Korean commercial banks and branches of foreign banks operating in Korea.

Ratios

vs
industry
vs
history
PE Ratio 8.70
WF's PE Ratio is ranked higher than
78% of the 1941 Companies
in the Global Banks - Regional - Asia industry.

( Industry Median: 13.56 vs. WF: 8.70 )
Ranked among companies with meaningful PE Ratio only.
WF' s PE Ratio Range Over the Past 10 Years
Min: 4.78  Med: 8.2 Max: 37.39
Current: 8.7
4.78
37.39
PE Ratio without NRI 8.70
WF's PE Ratio without NRI is ranked higher than
78% of the 1635 Companies
in the Global Banks - Regional - Asia industry.

( Industry Median: 14.25 vs. WF: 8.70 )
Ranked among companies with meaningful PE Ratio without NRI only.
WF' s PE Ratio without NRI Range Over the Past 10 Years
Min: 4.78  Med: 12.5 Max: 115.81
Current: 8.7
4.78
115.81
Price-to-Owner-Earnings 2.63
WF's Price-to-Owner-Earnings is ranked higher than
88% of the 905 Companies
in the Global Banks - Regional - Asia industry.

( Industry Median: 14.04 vs. WF: 2.63 )
Ranked among companies with meaningful Price-to-Owner-Earnings only.
WF' s Price-to-Owner-Earnings Range Over the Past 10 Years
Min: 1.47  Med: 1.94 Max: 2.74
Current: 2.63
1.47
2.74
PB Ratio 0.45
WF's PB Ratio is ranked higher than
86% of the 1810 Companies
in the Global Banks - Regional - Asia industry.

( Industry Median: 1.17 vs. WF: 0.45 )
Ranked among companies with meaningful PB Ratio only.
WF' s PB Ratio Range Over the Past 10 Years
Min: 0.28  Med: 0.38 Max: 0.49
Current: 0.45
0.28
0.49
PS Ratio 0.80
WF's PS Ratio is ranked higher than
94% of the 1833 Companies
in the Global Banks - Regional - Asia industry.

( Industry Median: 3.32 vs. WF: 0.80 )
Ranked among companies with meaningful PS Ratio only.
WF' s PS Ratio Range Over the Past 10 Years
Min: 0.72  Med: 1.37 Max: 4.45
Current: 0.8
0.72
4.45
Price-to-Free-Cash-Flow 1.93
WF's Price-to-Free-Cash-Flow is ranked higher than
85% of the 1008 Companies
in the Global Banks - Regional - Asia industry.

( Industry Median: 11.76 vs. WF: 1.93 )
Ranked among companies with meaningful Price-to-Free-Cash-Flow only.
WF' s Price-to-Free-Cash-Flow Range Over the Past 10 Years
Min: 1.42  Med: 2.86 Max: 20.29
Current: 1.93
1.42
20.29
Price-to-Operating-Cash-Flow 1.82
WF's Price-to-Operating-Cash-Flow is ranked higher than
85% of the 1096 Companies
in the Global Banks - Regional - Asia industry.

( Industry Median: 10.62 vs. WF: 1.82 )
Ranked among companies with meaningful Price-to-Operating-Cash-Flow only.
WF' s Price-to-Operating-Cash-Flow Range Over the Past 10 Years
Min: 1.36  Med: 2.62 Max: 12.76
Current: 1.82
1.36
12.76
EV-to-EBIT 93.95
WF's EV-to-EBIT is ranked lower than
97% of the 1558 Companies
in the Global Banks - Regional - Asia industry.

( Industry Median: 11.64 vs. WF: 93.95 )
Ranked among companies with meaningful EV-to-EBIT only.
WF' s EV-to-EBIT Range Over the Past 10 Years
Min: 3.2  Med: 47.3 Max: 2731.7
Current: 93.95
3.2
2731.7
EV-to-EBITDA 60.80
WF's EV-to-EBITDA is ranked lower than
96% of the 1576 Companies
in the Global Banks - Regional - Asia industry.

( Industry Median: 10.00 vs. WF: 60.80 )
Ranked among companies with meaningful EV-to-EBITDA only.
WF' s EV-to-EBITDA Range Over the Past 10 Years
Min: 2.9  Med: 30.5 Max: 169.4
Current: 60.8
2.9
169.4

Buy Back

vs
industry
vs
history
Dividend Payout Ratio 0.15
WF's Dividend Payout Ratio is ranked higher than
85% of the 1315 Companies
in the Global Banks - Regional - Asia industry.

( Industry Median: 0.33 vs. WF: 0.15 )
Ranked among companies with meaningful Dividend Payout Ratio only.
WF' s Dividend Payout Ratio Range Over the Past 10 Years
Min: 0  Med: 0.17 Max: 0.93
Current: 0.15
0
0.93
5-Year Yield-on-Cost % 1.81
WF's 5-Year Yield-on-Cost % is ranked lower than
54% of the 2649 Companies
in the Global Banks - Regional - Asia industry.

( Industry Median: 3.27 vs. WF: 1.81 )
Ranked among companies with meaningful 5-Year Yield-on-Cost % only.
WF' s 5-Year Yield-on-Cost % Range Over the Past 10 Years
Min: 0  Med: 0 Max: 0
Current: 1.81
3-Year Average Share Buyback Ratio 0.10
WF's 3-Year Average Share Buyback Ratio is ranked higher than
74% of the 1010 Companies
in the Global Banks - Regional - Asia industry.

( Industry Median: -1.60 vs. WF: 0.10 )
Ranked among companies with meaningful 3-Year Average Share Buyback Ratio only.
WF' s 3-Year Average Share Buyback Ratio Range Over the Past 10 Years
Min: -6  Med: 0 Max: 5.8
Current: 0.1
-6
5.8

Valuation & Return

vs
industry
vs
history
Price-to-Tangible-Book 0.47
WF's Price-to-Tangible-Book is ranked higher than
87% of the 1798 Companies
in the Global Banks - Regional - Asia industry.

( Industry Median: 1.25 vs. WF: 0.47 )
Ranked among companies with meaningful Price-to-Tangible-Book only.
WF' s Price-to-Tangible-Book Range Over the Past 10 Years
Min: 0.32  Med: 0.48 Max: 1.45
Current: 0.47
0.32
1.45
Price-to-Intrinsic-Value-Projected-FCF 0.58
WF's Price-to-Intrinsic-Value-Projected-FCF is ranked higher than
69% of the 1104 Companies
in the Global Banks - Regional - Asia industry.

( Industry Median: 0.80 vs. WF: 0.58 )
Ranked among companies with meaningful Price-to-Intrinsic-Value-Projected-FCF only.
WF' s Price-to-Intrinsic-Value-Projected-FCF Range Over the Past 10 Years
Min: 0.53  Med: 0.6 Max: 0.67
Current: 0.58
0.53
0.67
Price-to-Median-PS-Value 0.59
WF's Price-to-Median-PS-Value is ranked higher than
94% of the 1693 Companies
in the Global Banks - Regional - Asia industry.

( Industry Median: 1.15 vs. WF: 0.59 )
Ranked among companies with meaningful Price-to-Median-PS-Value only.
WF' s Price-to-Median-PS-Value Range Over the Past 10 Years
Min: 0.54  Med: 0.9 Max: 1.3
Current: 0.59
0.54
1.3
Price-to-Graham-Number 0.43
WF's Price-to-Graham-Number is ranked higher than
88% of the 1556 Companies
in the Global Banks - Regional - Asia industry.

( Industry Median: 0.93 vs. WF: 0.43 )
Ranked among companies with meaningful Price-to-Graham-Number only.
WF' s Price-to-Graham-Number Range Over the Past 10 Years
Min: 0.22  Med: 0.54 Max: 1.37
Current: 0.43
0.22
1.37
Earnings Yield (Greenblatt) % 1.07
WF's Earnings Yield (Greenblatt) % is ranked lower than
72% of the 2086 Companies
in the Global Banks - Regional - Asia industry.

( Industry Median: 6.41 vs. WF: 1.07 )
Ranked among companies with meaningful Earnings Yield (Greenblatt) % only.
WF' s Earnings Yield (Greenblatt) % Range Over the Past 10 Years
Min: 0.4  Med: 2.2 Max: 30.9
Current: 1.07
0.4
30.9

More Statistics

Revenue (TTM) (Mil) $9,792
EPS (TTM) $ 4.07
Beta0.95
Short Percentage of Float0.00%
52-Week Range $23.78 - 38.30
Shares Outstanding (Mil)224.42
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