Financials Woori Financial Group Inc.

Equities

A316140

KR7316140003

Banks

End-of-day quote Korea S.E. Other stock markets 08/12/2025			5-day change	1st Jan Change
28,050.00 ^KRW	-1.58%		+2.19%	+82.50%

11-06	Woori Financial Group Inc. acquired 5% stake in BDACS Inc.	CI
10-31	Woori Financial Group Inc. Reports Earnings Results for the Third Quarter Ended September 30, 2025	CI

Projected Income Statement: Woori Financial Group Inc.

Fiscal Period: December	2020	2021	2022	2023	2024	2025	2026	2027
Net sales ¹	7,013	8,456	10,407	9,690	10,025	10,831	11,391	11,707
Change	-	20.59%	23.06%	-6.89%	3.46%	8.04%	5.17%	2.77%
EBITDA	-	-	-	-	-	-	-	-
Change	-	-	-	-	-	-	-	-
EBIT ¹	2,080	3,660	4,463	3,513	5,971	5,872	6,354	6,552
Change	-	75.92%	21.94%	-21.29%	69.98%	-1.66%	8.21%	3.1%
Interest Paid	-	-	-	-	-	-	-	-
Earnings before Tax (EBT) ¹	2,001	3,749	4,523	3,531	4,223	4,329	4,571	4,799
Change	-	87.34%	20.65%	-21.94%	19.59%	2.52%	5.58%	5%
Net income ¹	1,515	2,588	3,352	2,517	3,086	3,301	3,318	3,485
Change	-	70.79%	29.51%	-24.91%	22.62%	6.98%	0.5%	5.04%
Announcement Date	05/02/21	09/02/22	08/02/23	06/02/24	07/02/25	-	-	-

¹KRW in Billions

Estimates

Fiscal Period: December	2020 Q4	2021 Q1	2021 Q2	2021 Q3	2021 Q4	2022 Q1	2022 Q2	2022 Q3	2022 Q4	2023 Q1	2023 Q2	2023 Q3	2023 Q4	2024 Q1	2024 Q2	2024 Q3	2024 Q4	2025 Q1	2025 Q2	2025 Q3	2025 Q4	2026 Q1	2026 Q2	2026 Q3	2026 Q4	2027 Q1	2027 Q2	2027 Q3
Net sales ¹	1,853	1,978	2,074	2,143	2,262	2,393	2,556	2,669	2,788	2,637	2,618	2,475	2,329	2,701	2,752	2,712	1,859	2,763	2,789	2,773	2,655	2,993	3,213	3,157	2,778	3,079	3,305	3,258
Change	-	6.74%	4.84%	3.31%	5.57%	5.81%	6.81%	4.4%	4.47%	-5.43%	-0.7%	-5.47%	-5.9%	15.98%	1.89%	-1.46%	-31.44%	48.6%	0.94%	-0.57%	-4.24%	12.73%	7.34%	-1.76%	-12%	10.86%	7.32%	-1.42%
EBITDA	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-
Change	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-
EBIT ¹	430.3	933.3	1,119	1,092	583.8	1,228	2,432	1,271	-468.7	1,252	1,452	1,223	949.7	1,517	1,662	1,655	1,137	1,303	1,616	1,562	1,305	-	-	-	-	-	-	-
Change	-	116.9%	19.89%	-2.39%	-46.55%	110.43%	97.99%	-47.76%	-136.89%	367.14%	15.93%	-15.72%	-22.38%	59.74%	9.58%	-0.44%	-31.3%	14.6%	24.02%	-3.34%	-16.43%	-	-	-	-	-	-	-
Charge d'intérêts	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-
Earnings before Tax (EBT) ¹	291.4	941.3	1,076	1,135	596.2	1,227	1,303	1,288	705	1,271	878	1,247	135.6	1,144	1,067	1,200	812.4	-	1,185	1,530	769	1,160	1,302	1,346	635.8	1,237	1,383	1,440
Change	-	223%	14.31%	5.51%	-47.49%	105.87%	6.16%	-1.12%	-45.27%	80.21%	-30.89%	42.02%	-89.12%	743.15%	-6.69%	12.42%	-32.28%	-	-	29.07%	-49.74%	50.89%	12.2%	3.41%	-52.78%	94.59%	11.78%	4.14%
Net income ¹	219.5	671.6	748.2	778.6	389.7	884.2	922.7	899.8	462.5	911.3	627.3	899.4	78.37	824.5	849	903.6	450	-	934.6	1,244	495.8	846	1,027	1,020	433.4	904.1	1,091	1,092
Change	-	205.95%	11.41%	4.06%	-49.95%	126.92%	4.36%	-2.49%	-48.6%	97.03%	-31.17%	43.38%	-91.29%	952.1%	2.98%	6.43%	-50.2%	-	-	33.1%	-60.14%	70.61%	21.39%	-0.65%	-57.52%	108.62%	20.68%	0.07%
Announcement Date	05/02/21	21/04/21	21/07/21	25/10/21	09/02/22	22/04/22	17/08/22	25/10/22	08/02/23	24/04/23	27/07/23	26/10/23	06/02/24	26/04/24	25/07/24	25/10/24	07/02/25	25/04/25	25/07/25	28/10/25	-	-	-	-	-	-	-	-

¹KRW in Billions

Estimates

Fiscal Period: December	2023 S1
Net sales ¹	5,255
Change	-
EBITDA	-
Change	-
EBIT	-
Change	-
Charge d'intérêts	-
Earnings before Tax (EBT) ¹	2,149
Change	-
Net income ¹	1,539
Change	-
Announcement Date	27/07/23

¹KRW in Billions

Estimates

Forecast Balance Sheet: Woori Financial Group Inc.

Fiscal Period: December	2020	2021	2022	2023	2024	2025	2026	2027
Net Debt	-	-	-	-	-	-	-	-
Change	-	-	-	-	-	-	-	-
Announcement Date	05/02/21	09/02/22	08/02/23	06/02/24	07/02/25	-	-	-

Estimates

Cash Flow Forecast: Woori Financial Group Inc.

Fiscal Period: December	2019	2020	2021	2022	2023	2024
CAPEX ¹	429,547	149,341	119,255	172,876	164,696	221,856
Change	-	-65.23%	-20.15%	44.96%	-4.73%	34.71%
Free Cash Flow (FCF) ¹	-	-	-	-	-	-
Change	-	-	-	-	-	-
Announcement Date	17/03/20	12/03/21	15/03/22	07/03/23	06/03/24	05/03/25

¹KRW in Million

Estimates

Forecast Financial Ratios: Woori Financial Group Inc.

Fiscal Period: December	2019	2020	2021	2022	2023	2024	2025	2026	2027
Profitability
EBITDA Margin (%)	-	-	-	-	-	-	-	-	-
EBIT Margin (%)	-	29.67%	43.28%	42.88%	36.25%	59.56%	54.22%	55.78%	55.96%
EBT Margin (%)	-	28.54%	44.34%	43.47%	36.44%	42.12%	39.97%	40.12%	40.99%
Net margin (%)	-	21.61%	30.6%	32.21%	25.97%	30.78%	30.48%	29.13%	29.77%
FCF margin (%)	-	-	-	-	-	-	-	-	-
FCF / Net Income (%)	-	-	-	-	-	-	-	-	-
Profitability
ROA	-	0.4%	0.61%	0.68%	0.54%	0.6%	0.61%	0.59%	0.59%
ROE	-	5.8%	10.1%	11.08%	8.69%	8.91%	9.66%	9.2%	9.16%
Financial Health
Leverage (Debt/EBITDA)	-	-	-	-	-	-	-	-	-
Debt / Free cash flow	-	-	-	-	-	-	-	-	-
Capital Intensity
CAPEX / Current Assets (%)	-	-	-	-	-	-	-	-	-
CAPEX / EBITDA (%)	-	-	-	-	-	-	-	-	-
CAPEX / FCF (%)	-	-	-	-	-	-	-	-	-
Items per share
Cash flow per share ¹	-	-	-	-	-	-	-	-	-
Change	-	-	-	-	-	-	-	-	-
Dividend per Share ¹	-	360	900	1,130	1,000	1,200	1,344	1,398	1,515
Change	-	-	150%	25.56%	-11.5%	20%	12%	4.02%	8.34%
Book Value Per Share ¹	-	26,503	35,666	39,505	37,327	45,998	46,519	49,575	53,269
Change	-	-	34.57%	10.76%	-5.51%	23.23%	1.13%	6.57%	7.45%
EPS ¹	-	1,742	3,481	4,191	3,230	3,950	4,439	4,519	4,816
Change	-	-	99.83%	20.4%	-22.93%	22.29%	12.39%	1.79%	6.58%
Nbr of stocks (in thousands)	-	722,268	728,058	728,058	751,896	742,538	730,994	730,994	730,994
Announcement Date	-	05/02/21	09/02/22	08/02/23	06/02/24	07/02/25	-	-	-