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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 : 6/10

vs
industry
vs
history
Cash to Debt 0.11
WF's Cash to Debt is ranked lower than
52% of the 1274 Companies
in the Global Banks - Regional - Asia industry.

( Industry Median: 1.10 vs. WF: 0.11 )
WF' s 10-Year Cash to Debt Range
Min: 0.01   Max: No Debt
Current: 0.11

Equity to Asset 0.06
WF's Equity to Asset is ranked lower than
53% of the 1589 Companies
in the Global Banks - Regional - Asia industry.

( Industry Median: 0.10 vs. WF: 0.06 )
WF' s 10-Year Equity to Asset Range
Min: 0.04   Max: 0.85
Current: 0.06

0.04
0.85
Interest Coverage 0.29
WF's Interest Coverage is ranked lower than
53% of the 1350 Companies
in the Global Banks - Regional - Asia industry.

( Industry Median: 1.10 vs. WF: 0.29 )
WF' s 10-Year Interest Coverage Range
Min: 0.05   Max: 0.58
Current: 0.29

0.05
0.58
F-Score: 5
Z-Score: 0.04
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 : 8/10

vs
industry
vs
history
Operating margin (%) 30.74
WF's Operating margin (%) is ranked higher than
74% of the 1455 Companies
in the Global Banks - Regional - Asia industry.

( Industry Median: 30.05 vs. WF: 30.74 )
WF' s 10-Year Operating margin (%) Range
Min: 7.52   Max: 45.73
Current: 30.74

7.52
45.73
Net-margin (%) 21.85
WF's Net-margin (%) is ranked higher than
75% of the 1563 Companies
in the Global Banks - Regional - Asia industry.

( Industry Median: 20.45 vs. WF: 21.85 )
WF' s 10-Year Net-margin (%) Range
Min: -36.24   Max: 43.42
Current: 21.85

-36.24
43.42
ROE (%) 8.48
WF's ROE (%) is ranked higher than
76% of the 1547 Companies
in the Global Banks - Regional - Asia industry.

( Industry Median: 7.96 vs. WF: 8.48 )
WF' s 10-Year ROE (%) Range
Min: -18.39   Max: 36.13
Current: 8.48

-18.39
36.13
ROA (%) 0.49
WF's ROA (%) is ranked higher than
60% of the 1556 Companies
in the Global Banks - Regional - Asia industry.

( Industry Median: 0.74 vs. WF: 0.49 )
WF' s 10-Year ROA (%) Range
Min: -0.84   Max: 1.78
Current: 0.49

-0.84
1.78
ROC (Joel Greenblatt) (%) 7.22
WF's ROC (Joel Greenblatt) (%) is ranked higher than
50% of the 1430 Companies
in the Global Banks - Regional - Asia industry.

( Industry Median: 78.30 vs. WF: 7.22 )
WF' s 10-Year ROC (Joel Greenblatt) (%) Range
Min: 4.87   Max: 98.44
Current: 7.22

4.87
98.44
Revenue Growth (%) -3.80
WF's Revenue Growth (%) is ranked higher than
63% of the 1281 Companies
in the Global Banks - Regional - Asia industry.

( Industry Median: 1.00 vs. WF: -3.80 )
WF' s 10-Year Revenue Growth (%) Range
Min: 0   Max: 10.9
Current: -3.8

0
10.9
EBITDA Growth (%) 12.40
WF's EBITDA Growth (%) is ranked higher than
78% of the 1123 Companies
in the Global Banks - Regional - Asia industry.

( Industry Median: 7.20 vs. WF: 12.40 )
WF' s 10-Year EBITDA Growth (%) Range
Min: 0   Max: 59.6
Current: 12.4

0
59.6
EPS Growth (%) 11.80
WF's EPS Growth (%) is ranked higher than
76% of the 1105 Companies
in the Global Banks - Regional - Asia industry.

( Industry Median: 9.50 vs. WF: 11.80 )
WF' s 10-Year EPS Growth (%) Range
Min: -56.2   Max: 142.2
Current: 11.8

-56.2
142.2
» 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



No Insider Trades Found!
» Interactive Charts

Peter Lynch Chart ( What is Peter Lynch Charts )

Ratios

vs
industry
vs
history
P/E(ttm) 20.50
WF's P/E(ttm) is ranked lower than
54% of the 1452 Companies
in the Global Banks - Regional - Asia industry.

( Industry Median: 13.70 vs. WF: 20.50 )
WF' s 10-Year P/E(ttm) Range
Min: 2.53   Max: 53.67
Current: 20.5

2.53
53.67
P/B 0.50
WF's P/B is ranked higher than
90% of the 1477 Companies
in the Global Banks - Regional - Asia industry.

( Industry Median: 1.10 vs. WF: 0.50 )
WF' s 10-Year P/B Range
Min: 0.32   Max: 1.27
Current: 0.5

0.32
1.27
P/S 1.30
WF's P/S is ranked higher than
82% of the 1640 Companies
in the Global Banks - Regional - Asia industry.

( Industry Median: 2.88 vs. WF: 1.30 )
WF' s 10-Year P/S Range
Min: 0.69   Max: 29.8
Current: 1.3

0.69
29.8
PFCF 15.30
WF's PFCF is ranked lower than
66% of the 940 Companies
in the Global Banks - Regional - Asia industry.

( Industry Median: 6.90 vs. WF: 15.30 )
WF' s 10-Year PFCF Range
Min: 1.46   Max: 296.59
Current: 15.3

1.46
296.59
EV-to-EBIT 14.30
WF's EV-to-EBIT is ranked higher than
70% of the 1410 Companies
in the Global Banks - Regional - Asia industry.

( Industry Median: 15.82 vs. WF: 14.30 )
WF' s 10-Year EV-to-EBIT Range
Min: 2.7   Max: 126.7
Current: 14.3

2.7
126.7
PEG 0.60
WF's PEG is ranked higher than
80% of the 849 Companies
in the Global Banks - Regional - Asia industry.

( Industry Median: 1.02 vs. WF: 0.60 )
WF' s 10-Year PEG Range
Min: 0.02   Max: 0.89
Current: 0.6

0.02
0.89
Shiller P/E 7.70
WF's Shiller P/E is ranked higher than
92% of the 841 Companies
in the Global Banks - Regional - Asia industry.

( Industry Median: 17.04 vs. WF: 7.70 )
WF' s 10-Year Shiller P/E Range
Min: 3.19   Max: 10.61
Current: 7.7

3.19
10.61

Dividend & Buy Back

vs
industry
vs
history
Dividend Yield 1.90
WF's Dividend Yield is ranked lower than
61% of the 1315 Companies
in the Global Banks - Regional - Asia industry.

( Industry Median: 2.40 vs. WF: 1.90 )
WF' s 10-Year Dividend Yield Range
Min: 0.55   Max: 2.25
Current: 1.9

0.55
2.25
Dividend growth (3y) 36.50
WF's Dividend growth (3y) is ranked higher than
93% of the 810 Companies
in the Global Banks - Regional - Asia industry.

( Industry Median: 4.20 vs. WF: 36.50 )
WF' s 10-Year Dividend growth (3y) Range
Min: 0   Max: 36.5
Current: 36.5

0
36.5
Yield on cost (5-Year) 1.90
WF's Yield on cost (5-Year) is ranked lower than
62% of the 1328 Companies
in the Global Banks - Regional - Asia industry.

( Industry Median: 2.62 vs. WF: 1.90 )
WF' s 10-Year Yield on cost (5-Year) Range
Min: 0.55   Max: 2.25
Current: 1.9

0.55
2.25

Valuation & Return

vs
industry
vs
history
Price/Tangible Book 0.50
WF's Price/Tangible Book is ranked higher than
95% of the 1362 Companies
in the Global Banks - Regional - Asia industry.

( Industry Median: 1.24 vs. WF: 0.50 )
WF' s 10-Year Price/Tangible Book Range
Min: 0.44   Max: 2.03
Current: 0.5

0.44
2.03
Price/DCF (Projected) 0.50
WF's Price/DCF (Projected) is ranked higher than
83% of the 904 Companies
in the Global Banks - Regional - Asia industry.

( Industry Median: 0.60 vs. WF: 0.50 )
WF' s 10-Year Price/DCF (Projected) Range
Min: 0.2   Max: 0.52
Current: 0.5

0.2
0.52
Price/Median PS Value 1.10
WF's Price/Median PS Value is ranked higher than
70% of the 1478 Companies
in the Global Banks - Regional - Asia industry.

( Industry Median: 1.00 vs. WF: 1.10 )
WF' s 10-Year Price/Median PS Value Range
Min: 0.57   Max: 18.88
Current: 1.1

0.57
18.88
Price/Peter Lynch Fair Value 0.80
WF's Price/Peter Lynch Fair Value is ranked higher than
69% of the 444 Companies
in the Global Banks - Regional - Asia industry.

( Industry Median: 0.78 vs. WF: 0.80 )
WF' s 10-Year Price/Peter Lynch Fair Value Range
Min: 0.14   Max: 0.83
Current: 0.8

0.14
0.83
Price/Graham Number 0.60
WF's Price/Graham Number is ranked higher than
81% of the 1341 Companies
in the Global Banks - Regional - Asia industry.

( Industry Median: 0.90 vs. WF: 0.60 )
WF' s 10-Year Price/Graham Number Range
Min: 0.25   Max: 0.91
Current: 0.6

0.25
0.91
Earnings Yield (Greenblatt) 7.00
WF's Earnings Yield (Greenblatt) is ranked higher than
74% of the 1411 Companies
in the Global Banks - Regional - Asia industry.

( Industry Median: 6.40 vs. WF: 7.00 )
WF' s 10-Year Earnings Yield (Greenblatt) Range
Min: 0.8   Max: 36.9
Current: 7

0.8
36.9
Forward Rate of Return (Yacktman) 41.85
WF's Forward Rate of Return (Yacktman) is ranked higher than
91% of the 1095 Companies
in the Global Banks - Regional - Asia industry.

( Industry Median: 14.48 vs. WF: 41.85 )
WF' s 10-Year Forward Rate of Return (Yacktman) Range
Min: 0.1   Max: 253.2
Current: 41.85

0.1
253.2

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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