Woori Financial Group Inc. (WF) Fair Value 2026

WF · Banks - Regional ·

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

Quality Score

7.0 /10

32 fundamental signals · 5 models active

Value Trap Risk

SAFE (22/100)

Quick Summary — As of 2026-08-27, Woori Financial Group Inc. (WF) trades at $71.62, versus a $75.97 median fair value across its 5 active models — 6.1% above the current price. QOC: 7.0/10. Value Trap Risk: 22/100 (SAFE). 5/13 models active.

Key Facts

Ticker
WF
Price
$71.62
Quality Score
7.0/10
Value Trap Risk
22/100
Models Active
5/13
Last Updated
Strength: Earnings Power Value suggests +40.3% upside with 35% confidence
Risk: Limited model coverage (5/13) may reduce confidence

Is Woori Financial Group Inc. (WF) Undervalued or Overvalued in 2026?

According to CirclFi’s 5-model valuation engine, Woori Financial Group Inc. (WF) appears fairly valued as of : the median of 5 independent fair value estimates is $75.97, within 6.1% of the current price of $71.62. Estimates range from $34.93 to $117.89. WF scores 7.0/10 on fundamental quality and 22/100 on value-trap risk.

For context, the median US equity CirclFi rates trades at an implied -23.7% versus its own 13-model consensus, across 3,801 rated companies as of 2026-08-27. WF’s +6.1% gap is narrower than that market norm, and the Banks - Regional sector median is -22.0%. Full market index →

This verdict compares price to intrinsic value only — it is not a buy or sell rating. For the decision case (bull vs bear arguments, risk factors, peers), read Should You Buy Woori Financial Group Inc. Stock in 2026? →

What Fair Value Does Each Model Give WF?

5 Intrinsic Value Models vs. Current Price ($71.62)

Core Models (Unlocked)
Model Fair Value Upside
Intrinsic · Medium Conviction
 $100.47 +40.3%
Ensemble · Low Conviction
 $75.97 +6.1%
Unlock the Full Matrix

Access 3 additional models including Markov DDM, ML-RIV, and more.

$1.30 / day

Billed monthly ($39/mo) or annually ($299/yr)

Unlock All 5 Models →

Cancel anytime · No contracts · Instant access

What Is WF's Fair Value Range?

Spread across 5 independent models · $34.93 to $117.89

CirclFi's 5 active models place Woori Financial Group Inc. (WF) between $34.93 and $117.89 per share, a spread of 109% of the median. The median of that range — $75.97 — is the fair value CirclFi publishes for WF, against a current price of $71.62.

Low · Markov DDMHigh · ML-RIV
$34.93median $75.97$117.89
Where the range comes from
Most bearish modelMarkov DDM$34.93
Most bullish modelML Residual Income$117.89
Model agreement3 bullish · 1 bearishwide

A band this wide is itself the finding. When independent methods land far apart, they are reading a business whose value depends heavily on which lens you apply — volatile earnings, heavy reinvestment, or an asset base that cash-flow and asset-based methods score differently. That disagreement is information: it says the choice of method matters more than usual for WF. Treat the median as one reading among several and compare the individual models below before acting.

Every figure above is one model's standalone output on WF, not a CirclFi price target. How each model works →

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

According to the CirclFi Deep Alpha Valuation Engine, Woori Financial Group Inc.'s intrinsic value is estimated at a median fair value of $75.97. While the stock appears modestly undervalued at $71.62 (implied upside of +6.1%), our analysis suggests a thinner margin of safety across 3 of 5 bullish models. Notably, ML-RIV sees the most upside at +64.6% (fair value: $117.89), while Markov DDM is the most conservative at -51.2% ($34.93). The spread between these extremes — +115.8% — reveals how different analytical frameworks can reach starkly different conclusions.

What Do the Models Say About WF?

5 of 13 models are currently active for WF. Of these, 3 models suggest upside while 2 models suggest overvaluation. Taken together, their median fair value for WF is $75.97 — the figure CirclFi publishes as this stock's fair value. See which stocks rank higher →

How Does WF Rank in Banks - Regional?

Among 349 Banks - Regional stocks, WF ranks #301 by Quality of Company score. CirclFi's QOC score of 7.0/10 evaluates 32 fundamental signals. A score of 7.0 indicates above-average quality.

See all Most Undervalued Banks - Regional 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?

CirclFi's Value Trap algorithm assigns WF a score of 22/100 (SAFE). This indicates minimal risk. Fundamentals are healthy. The score cross-references apparent undervaluation against fundamental deterioration signals. Browse lowest value-trap stocks →

Multi-Model Methodology

5 of 13 models are active for Woori Financial Group Inc.. Limited activation may indicate insufficient history. 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 7.0/10. This respectable 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 +115.8% — 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 5 active models, average confidence is 21%. 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 Banks - Regional Stocks Should You Also Analyze?

11 related Banks - Regional stocks with 13-model coverage

RVSBRiverview Bancorp, Inc.QOC 7.0BCBPBCB Bancorp, Inc.QOC 7.0CFFNCapitol Federal Financial, Inc.QOC 7.0AVBHAvidbank Holdings, Inc.QOC 6.9FCCOFirst Community CorporationQOC 7.0WSBFWaterstone Financial, Inc.QOC 6.9NECBNortheast Community Bancorp, Inc.QOC 8.6NWBINorthwest Bancshares, Inc.QOC 8.2NBHCNational Bank Holdings CorporationQOC 7.8ESQEsquire Financial Holdings, Inc.QOC 9.1PEBOPeoples Bancorp Inc.QOC 9.1

Read investment analysis: RVSB · BCBP · CFFN · AVBH · FCCO · WSBF · NECB · NWBI · NBHC · ESQ · PEBO

Which Other Stocks Have a Similar Quality Score to WF?

7 companies across all industries closest to WF’s Quality of Company score of 7.0/10.

AMBAAmbarella, Inc.QOC 7.0SEERSeer, Inc.QOC 7.0BRIABrilliA IncQOC 7.0KODKEastman Kodak CompanyQOC 7.0ULBIUltralife CorporationQOC 7.0MGTXMeiraGTx Holdings plcQOC 7.0NVDANVIDIA CorporationQOC 10.0

Read investment analysis: AMBA · SEER · BRIA · KODK · ULBI · MGTX · NVDA

Where Does WF Sit in CirclFi's Banks - Regional Rankings?

WF is ranked against every other Banks - Regional stock CirclFi covers in each of these screens.

See all Banks - Regional stocks ranked →

What Else Do Investors Ask About Woori Financial Group Inc.’s Valuation?

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

CirclFi puts Woori Financial Group Inc. (WF)'s intrinsic value at $75.97 — the median of 5 independent model estimates as of 2026-08-27, ranging from $34.93 to $117.89. The Quality of Company score is 7.0/10 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 $71.62, 3 of 5 active models suggest WF may be undervalued, while 2 indicate potential overvaluation. The median of all 5 fair value estimates is $75.97, within 6.1% of the current price of $71.62 — a consensus view that WF is fairly valued. The assessment depends on which methodology best fits Woori Financial Group Inc.'s business model in Banks - Regional.

What does a Quality of Company score of 7.0 mean for WF?

Woori Financial Group Inc.'s QOC of 7.0/10 reflects 32 fundamental signals: profitability margins, revenue growth consistency, balance sheet leverage, free cash flow generation, and capital allocation efficiency. Scores above 7 indicate strong fundamentals and disciplined management.

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 5 of 13 are active for this stock. Read the full methodology →

Which valuation models are most bullish and most bearish on WF?

Of the 5 models currently active on WF, ML Residual Income is the most bullish at $117.89 per share, and Markov DDM is the most bearish at $34.93. CirclFi's published fair value for WF is the median of that range, $75.97, not either extreme. The gap between the two ends equals 109% of the median — a wide spread, meaning the methods genuinely disagree and the median should carry less weight. Browse stocks by value-trap risk →

Is WF a value trap in 2026?

Woori Financial Group Inc.'s Value Trap score is 22/100 (SAFE). This low score indicates the current valuation is not artificially depressed by fundamental deterioration, suggesting genuine opportunity rather than a trap.

Cite this analysis — “According to CirclFi’s 5-model valuation engine, Woori Financial Group Inc. (WF) has a median fair value of $75.97 — within 6.1% of the current price of $71.62 — as of 2026-08-27.” Source: circlfi.com/stock/WF/ · Methodology
Primary sources for this WF valuation
  • Financial statements: Woori Financial Group Inc. 10-K and 10-Q filings on SEC EDGAR (CIK 0001264136) — 700+ standardized XBRL tags, published by the U.S. Securities and Exchange Commission.
  • Discount-rate inputs: FRED, Federal Reserve Bank of St. Louis — risk-free rates, VIX, yield curve, inflation.
  • News sentiment: The GDELT Project — global media tone, input to the Sentiment SOTP model.
  • Model definitions: CirclFi methodology — the published specification for all 13 models, including the academic sources each one implements.

Market data for WF as of ; valuations recomputed .

You’ve done the research. Don’t stop at half the picture.

Stop collecting opinions. Let 5 mathematical frameworks give you clarity on WF.

Unlock All 5 Fair Values — $39/mo

Cancel anytime · Less than a cup of coffee · Instant access

3 models hidden for WF Unlock All 5 — $39/mo