Woori Financial Group Inc. (WF) Fair Value 2026

WF · Commercial Banks, NEC ·

By CirclFi Research Team · Data from SEC EDGAR, FRED & GDELT

Quality Score

2.0 /10

32 fundamental signals · 10 models active

Value Trap Risk

(—/100)

Quick Summary — As of 2026-07-13, Woori Financial Group Inc. (WF) trades at $63.35, approximately 207% above CirclFi’s Bayesian DCF fair value of $20.66. QOC: 2.0/10. 10/13 models active.

Key Facts

Ticker
WF
Price
$63.35
Quality Score
2.0/10
Value Trap Risk
—/100
Models Active
10/13
Last Updated
Strength: First Chicago suggests +30.0% upside with 2% confidence
Risk: Below-average Quality Score of 2.0/10 signals weak fundamentals

Valuation Matrix

10 Intrinsic Value Models vs. Current Price ($63.35)

Core Models (Unlocked)
Model Fair Value Upside
Bayesian DCF
Low Conviction
$20.66 -67.4%
Earnings Power Value
Medium Conviction
$28.90 -54.4%
CUCE Ensemble
Low Conviction
$45.08 -28.8%
First Chicago
Low Conviction
$82.37 +30.0%

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What Is Woori Financial Group Inc. (WF) Worth in 2026?

According to the CirclFi Deep Alpha Valuation Engine, the balance of valuation evidence tilts cautious on Woori Financial Group Inc. at its current price of $63.35. The composite intrinsic value is estimated at $48.73 (-23.1% average return), with 6 models flagging overvaluation risk. Notably, Markov DDM sees the most upside at +34.2% (fair value: $85.03), while Dynamic NAV is the most conservative at -76.8% ($14.67). The spread between these extremes — +111.1% — reveals how different analytical frameworks can reach starkly different conclusions.

What Do the Models Say About WF?

10 of 13 models are currently active for WF. Of these, 3 models suggest upside while 7 models suggest overvaluation. The Bayesian DCF estimates WF's intrinsic value at $20.66, implying -67.4% downside from the current price. See which stocks rank higher →

How Does WF Rank in Commercial Banks, NEC?

Among 33 Commercial Banks, NEC stocks, WF ranks #33 by Quality of Company score. CirclFi's QOC score of 2.0/10 evaluates 32 fundamental signals. A score of 2.0 signals below-average fundamentals.

See all Most Undervalued Commercial Banks, NEC Stocks →

As a financial institution, Woori Financial Group Inc. operates in a sector where loan loss provisions is a critical driver of valuation. Investors evaluating WF should weigh these sector-specific dynamics alongside our model-derived fair values.

Is WF a Value Trap?

The Value Trap algorithm is not active for WF. The score cross-references apparent undervaluation against fundamental deterioration signals. Browse lowest value-trap stocks →

Multi-Model Methodology

10 of 13 models are active for Woori Financial Group Inc.. Broad coverage provides high confidence. Each model applies a fundamentally different valuation philosophy. See the complete methodology →

According to the CirclFi 32-factor quality framework, Woori Financial Group Inc.'s fundamental quality profile registers 2.0/10. This concerning score captures the company's profitability depth, growth consistency, balance sheet resilience, and shareholder return track record.

The gap between the most bullish and bearish model spans +111.1% — demonstrating why single-model analysis is dangerous. Browse all stocks with 13-model coverage →

Data Sources & Confidence

Every WF valuation is built from SEC EDGAR XBRL filings — 700+ standardized financial tags. Macroeconomic context from FRED calibrates discount rates, while GDELT news sentiment feeds into our Sentiment SOTP model. All pipelines run daily. Read the complete data methodology →

Across WF's 10 active models, average confidence is 8%. Lower confidence may reflect limited history or high volatility.

CirclFi's output is a research starting point, not a buy/sell signal. All data updates daily. Read the full methodology →

This analysis is produced by the CirclFi Valuation Engine using quantitative models applied to SEC EDGAR filings, public market feeds, and FRED macroeconomic indicators. It is not financial advice.

Read the full investment analysis: Should You Buy Woori Financial Group Inc. Stock in 2026? →

Bull case, bear case, risk factors & peer comparison — updated daily

Which Similar Commercial Banks, NEC Stocks Should You Also Analyze?

8 related Commercial Banks, NEC stocks with 13-model coverage

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Frequently Asked Questions About Woori Financial Group Inc.

What is Woori Financial Group Inc.'s intrinsic value in 2026?

Based on CirclFi's 13-model analysis, Woori Financial Group Inc. (WF) has multiple fair value estimates. The Bayesian DCF model runs 10,000 Monte Carlo simulations with jump-diffusion to estimate intrinsic value at $20.66. The Quality of Company score is 2.0/10 across 32 fundamental signals. All models use SEC EDGAR filings updated daily. See our methodology page for how each model works.

Is WF overvalued or undervalued right now?

At $63.35, 3 of 10 active models suggest WF may be undervalued, while 7 indicate potential overvaluation. The assessment depends on which methodology best fits Woori Financial Group Inc.'s business model in Commercial Banks, NEC.

What does a Quality of Company score of 2.0 mean for WF?

Woori Financial Group Inc.'s QOC of 2.0/10 reflects 32 fundamental signals: profitability margins, revenue growth consistency, balance sheet leverage, free cash flow generation, and capital allocation efficiency. Scores below 5 flag potential fundamental weaknesses requiring careful analysis.

How many valuation models does CirclFi run on WF?

CirclFi analyzes WF with 13 institutional-grade models daily: Bayesian DCF (Monte Carlo + jump-diffusion), EPV (Greenwald zero-growth), EROIC Spread (McKinsey reinvestment), First Chicago (3-scenario), Markov DDM (regime-switching), ML-RIV (machine learning residual income), Dynamic NAV (asset-based), PWERM (option-theoretic), Regime Cross-Sectional (relative), Sentiment SOTP (hybrid), CUCE Ensemble (meta-model), FTNN Topology (neural network), and RCMH-DCF (conditional regime). Currently 10 of 13 are active for this stock. Read the full methodology →

Is WF a value trap in 2026?

CirclFi's Value Trap algorithm does not have sufficient data for WF at this time. Browse stocks by value-trap risk →

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