NAS10030,808+1.00%S&P7,723+0.73%GOLD$4,160−0.06%BTC$85,503+0.87%VIX15.31−6.59%live tape · as of 05:02 UTC
The Screen · Financials · Banks - Regional
Woori Financial Group Inc ADR
WF · the NYSE · USD · Market cap $19.2B
Woori Financial Group Inc., together with its subsidiaries, operates as a bank which provides various financial services in Korea, China, the United States, the United Kingdom, Japan, and internationally.
FAIL · Does not pass the screen
79.26 USD
Screen close, 2026-09-28 · not a live quote Last reviewed 7 days ago
Screened 2026-09-28 · the tape above runs as of 05:02 UTC · two dates, stated on purpose · verdict and workings shown in full · never trimmed
PRICE · FAIR-VALUE RANGE1M3M6MYTD1Y3Y5Y
What this means: price 79.26 against the desk's fair-value range, base estimate 94.14, over the last year.
Positioning no disclosures inside 60 days, left as found
Options no verdict drawn today, left as found
Ethical does not pass the values gate
Price79.26 USD
Fair value94.14
Ethical score30.0/100
Our investment reviews on this name
2026-08-16Read Markup70.35+12.7% to today ✓
2026-07-02Read Distribution62.28+27.3% to today
Our analytic regime reads on this name, dated and marked against the screened price. Small sample per name, and separate from the daily-framework accuracy on the Track Record page.
Woori Financial Group Inc ADR holds its Markup at $79.26. The statistical read favours the sellers, held for 17 days.
As held on the ledger · 2026-09-28
Phase
Markup
Quantitative state
The statistical read favours the sellers, held for 17 days
Price at the screen
$79.26
Valuation
8.72 trailing · 6.87 forward price to earnings
Values screen
FAIL· score 30.0
Beta
0.52
The Workings
Five Screens, Shown in Full
Does not pass. Excluded industry: Banks - Regional
Test
Figure
Limit
What it means
Status
Business activity
Excluded
Core business clean
Excluded industry: Banks - Regional
Fail
Debt load
Excluded
Below 33%
Interest-bearing debt is of its assets, above the one-third ceiling the screen allows.
Fail
Interest-bearing cash
Excluded
Below 33%
Interest-bearing cash and securities are of assets, above the one-third limit.
Fail
Receivables
Excluded
Below 49%
Money owed to the company is of assets, above the 49% limit.
Fail
Revenue purity
Excluded
Below 5%
of revenue comes from non-compliant sources, over the 5% line.
Fail
Five checks adapted from AAOIFI screening standards: business activity plus four balance-sheet ratios. All five must pass for ethical clearance. Every figure is arithmetic on public accounts, not judgement.
The Ethical Read
Why It Falls Short, in Plain English
Woori Financial does not clear the screen at the business-activity stage. It operates in conventional financial services, which the screen treats as interest-based, so the financial ratios are not the deciding factor here.
Read as at 2026-10-04. It updates when the underlying figures move, and past reads are kept below.
Fair value range in USD, drawn from the 2026-09-28 screen. The gold marker is the market price at the same screen. A 18.8% margin of safety to the base estimate.
Reading the gap · Both our model and the analysts see meaningful upside from here.
Price History & Projections
Where it has been, where the models see it going. History from market close data; projection points are our fair-value estimates and third-party analyst targets, dated to the 2026-09-28 screen.
Fair value and rating are our own model estimates; the Street's range reflects third-party analyst estimates. Analysis, not advice.
The Business, in Plain Words
Korean Bank Screened Out Despite Cheap Numbers
Picture a Seoul office worker tapping her salary into a local bank app and the cash moving through the same old channels that global lenders still cannot replace. Woori Financial Group sits right in that flow, a narrow-moat regional player posting 31 percent profit margins and 6 percent revenue growth. The numbers look tidy on paper, yet we pass without hesitation.
The ethical screen rules it out because regional banks sit on our excluded list. Forward earnings sit at just 6.1 times and the analyst target implies a 50 percent margin of safety, but none of that overrides the industry filter we apply before any valuation work. Return on equity of 9 percent is modest for the sector and offers little cushion once the cycle turns.
Regional banks remain exposed to local credit cycles, currency moves and regulatory shifts that can compress earnings quickly. A low multiple often signals peak conditions rather than a bargain. Analysis, not advice.
The risks · The things to watch: its business and earnings are exposed to South Korea and to currency swings.
Plain-English interpretation of our own screen data. Analysis, not advice.
Where & How to Trade
WF trades on the NYSE (the company is based in South Korea). As a listed security it is accessible through almost any international broker offering its home market. New to this, or investing from abroad? Our guide to accessing global markets covers brokers, currencies and the practical steps.
The Dated Journal · Newest First, Never Edited
Every Entry, As Written
2026-10-02Markup$79.26+6.7%Entry 6
The framework reads markup. Price is trending higher with momentum. The crowd has caught on and buyers are in control. Price has moved up 6.7% since our last review. Ethical screening: FAIL. This security does not pass our values-based screening criteria. The risk-adjusted return profile shows excellent risk-adjusted returns. Our composite framework grades it C, carrying a low risk profile. Technically it is holding around 0% above its long-term trend line with momentum reading neutral. Over the past year the shares are up 33%. Our forward projection puts the odds of a 10% gain over the next month near 30%. The street (1 analysts) rates it none, with a mean price target of $93.
2026-09-17Markup$74.30+5.6%Entry 5
The framework reads markup. Price is trending higher with momentum. The crowd has caught on and buyers are in control. Price has moved up 5.6% since our last review. Ethical screening: FAIL. This security does not pass our values-based screening criteria. The risk-adjusted return profile shows excellent risk-adjusted returns. Our composite framework grades it C, carrying a low risk profile. Technically it is holding around 0% above its long-term trend line with momentum reading neutral. Over the past year the shares are up 33%. Our forward projection puts the odds of a 10% gain over the next month near 30%. The street (1 analysts) rates it none, with a mean price target of $93.
2026-08-16Markup · changed$70.35+13.0%Entry 4
The framework has shifted from distribution to markup since the last review. Price is trending higher with momentum. The crowd has caught on and buyers are in control. Price has moved up 13.0% since our last review. Ethical screening: FAIL. This security does not pass our values-based screening criteria. The risk-adjusted return profile shows excellent risk-adjusted returns. Our composite framework grades it C, carrying a low risk profile. Technically it is holding around 0% above its long-term trend line with momentum reading neutral. Over the past year the shares are up 33%. Our forward projection puts the odds of a 10% gain over the next month near 30%. The street (1 analysts) rates it none, with a mean price target of $93.
2026-07-18Distribution$62.28+0.0%Entry 3
The framework reads distribution. Smart money appears to be selling into strength. Institutional holders may be rotating out. Price has moved down 0.0% since our last review. Ethical screening: FAIL. This security does not pass our values-based screening criteria. The risk-adjusted return profile shows excellent risk-adjusted returns. Our composite framework grades it C, carrying a low risk profile. Technically it is holding around 0% above its long-term trend line with momentum reading neutral. Over the past year the shares are up 33%. Our forward projection puts the odds of a 10% gain over the next month near 30%. The street (1 analysts) rates it none, with a mean price target of $93.
2026-07-03Distribution$62.28+0.0%Entry 2
The framework reads distribution. Smart money appears to be selling into strength. Institutional holders may be rotating out. Price has moved down 0.0% since our last review. Ethical screening: FAIL. This security does not pass our values-based screening criteria. The risk-adjusted return profile shows excellent risk-adjusted returns.
2026-07-02Distribution$62.28Entry 1
The framework reads distribution. Smart money appears to be selling into strength. Institutional holders may be rotating out. Ethical screening: FAIL. This security does not pass our values-based screening criteria. The risk-adjusted return profile shows excellent risk-adjusted returns.
Each entry above was written on its date, before the outcome. A journal you can prune is not a journal.
