Is WF a buy according to UQS?

UQS rates WF as Below Average at 32.7/100, driven primarily by a Risk score of just 0.4 reflecting Net Debt/EBITDA of 13.50 and interest coverage of 0.5x. The highest pillar is Valuation at 65.9, anchored by a P/E of 8.0 and earnings yield of 12.6%. The composite score reflects material structural concerns that offset the low earnings multiple.

What is WF's PEG ratio and what does it mean?

WF's PEG ratio is -6.37, which is not analytically meaningful — a negative PEG typically results from negative earnings growth inputs in the calculation, making the standard interpretation (below 1 = cheap, above 2 = expensive) inapplicable here. The sector median PEG is 1.27. Investors should rely on the P/E of 8.0 and earnings yield of 12.6% for valuation context instead.

Why might WF's UQS Score change?

The UQS Score updates daily based on trailing twelve-month financials, forward analyst estimates, and balance sheet data. For WF, the most sensitive inputs are the forward revenue growth estimate (-56.0%), interest coverage (0.5x), and Net Debt/EBITDA (13.50). Revisions to analyst forecasts, changes in reported earnings, or shifts in leverage ratios could meaningfully move the Risk, Growth, or Valuation pillar scores.

WF

Financial Services

Woori Financial Group Inc. · Banks - Diversified · $18B

UQS Score — Balanced Preset

6.8

Poor

Woori Financial Group Inc. scores 6.8/100 using the Balanced preset.

UQS vs Financial Services Sector

6.8

Sector avg

39.7

Quality

Weak

Moat

Weak

Growth

Weak

Risk

Weak

Valuation

Elevated

WF Price History

+137.9% over 5Y

Monthly close, adjusted for stock splits and dividend reinvestment.

Return Calculator

What if I invested in Woori Financial Group Inc.?

If I had invested

Starting

Today it would be worth

$27,327

That's a +173% total return, or +22.3% annualized.

Based on Woori Financial Group Inc.'s historical closing prices, adjusted for stock splits and dividend reinvestment. Past performance does not guarantee future results. This is for informational purposes only and is not financial advice.

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Pro Analysis

WF — Score History

Score changes· 18 most recent

Date	UQS	Quality	Moat	Growth	Value	Change
Sep 6, 2026	6.8	0.0	27.0	0.0	0.0	-37.8
Aug 14, 2026	44.6	87.0	27.0	17.1	84.4	-4.1
Aug 2, 2026	48.7	87.0	27.0	45.5	73.9	+0.2
Jul 30, 2026	48.5	87.0	27.0	44.2	74.5	-0.1
Jul 28, 2026	48.6	87.0	27.0	44.2	74.8	+0.1
Jul 26, 2026	48.5	87.0	27.0	44.2	74.6	+2.0
Jul 25, 2026	46.5	77.3	27.0	43.5	78.0	+0.1
Jul 24, 2026	46.4	77.3	27.0	43.5	77.3	-0.1
Jul 23, 2026	46.5	77.3	27.0	43.5	78.0	+0.3
Jul 22, 2026	46.2	77.3	27.0	43.5	76.1	-0.1

WF — Pillar Breakdown

◆

Quality

— 0.0/100 (25%)

Woori Financial Group Inc. currently shows below-average quality metrics, suggesting challenges with profitability.

Operating ProfitabilityWeak

Ability to convert revenue into operating profit.

Cash GenerationWeak

Free cash flow relative to market value.

▲

Growth

— 0.0/100 (20%)

Woori Financial Group Inc. faces growth headwinds with declining or stagnant revenue trends.

Recent Revenue TrendWeak

Revenue trajectory over the last twelve months.

Forward Revenue OutlookWeak

Analyst consensus for future revenue growth.

◈

Risk

— 0.0/100 (15%)

Woori Financial Group Inc. presents elevated risk with concerns around leverage or financial stability.

Current RatioWeak

Short-term liquidity — ability to pay near-term obligations.

Interest CoverageWeak

Earnings capacity relative to interest payments.

●

Valuation

— 0.0/100 (15%)

Woori Financial Group Inc. appears expensively valued relative to its fundamentals and growth prospects.

⬡

Moat

— 27/100 (25%)

Woori Financial Group Inc. operates in a highly competitive environment with limited sustainable advantages. The Moat pillar evaluates competitive advantages across five dimensions: Switching Costs, Network Effects, Cost Advantage, Intangible Assets, and Scale & Ecosystem. Sign in to customize moat ratings for WF.

Score Composition

Quality

0.0×25%0.0

Growth

0.0×20%0.0

Risk

0.0×15%0.0

Valuation

0.0×15%0.0

Moat

27.0×25%6.8

Total

6.8Poor

Financial Data

More Stock Analysis

How is the WF UQS Score Calculated?

The UQS (Unified Quality Score) for Woori Financial Group Inc. is calculated using a proprietary 6-pillar framework with 29 financial metrics. Each pillar evaluates a different dimension on a 0–100 scale, then combines into a single weighted score. Scoring thresholds are calibrated per sector. Momentum is an optional Pro toggle — without it, you get the 5-pillar / 25-metric core shown below.

Quality (25%) measures profitability and capital efficiency — ROIC, ROE, margins, GP/Assets, and FCF Yield.

Moat (25%) assesses Woori Financial Group Inc.'s competitive advantages across switching costs, network effects, cost advantages, intangible assets, and ecosystem scale.

Growth (20%) tracks revenue trajectory and earnings momentum, combining historical results with analyst forward estimates.

Risk (15%) is inversely scored — lower leverage and strong balance sheet health result in higher scores.

Valuation (15%) measures whether Woori Financial Group Inc. is fairly priced using earnings yield, price-to-FCF, PEG ratio, and EV/EBITDA relative to sector peers.

Six investor-inspired presets are available, each with different pillar weights: Balanced, Buffett, Munger, Lynch, Cathie Wood, and Graham. The public score shown here uses the Balanced preset. Learn more in our FAQ.