ICICI Bank Limited (IBN)vsWoori Financial Group Inc (WF)
IBN
ICICI Bank Limited
$26.31
+1.08%
FINANCIAL SERVICES · Cap: $95.10B
WF
Woori Financial Group Inc
$66.88
+1.09%
FINANCIAL SERVICES · Cap: $16.12B
Smart Verdict
WallStSmart Research — data-driven comparison
Woori Financial Group Inc generates 418% more annual revenue ($9.96T vs $1.92T). WF leads profitability with a 31.4% profit margin vs 27.5%. IBN appears more attractively valued with a PEG of 0.53. IBN earns a higher WallStSmart Score of 69/100 (B-).
IBN
Strong Buy69
out of 100
Grade: B-
WF
Buy62
out of 100
Grade: C+
Intrinsic Value Comparison
Multi-model valuation · Graham Formula
Margin of Safety
-191.4%
Fair Value
$10.68
Current Price
$26.31
$15.63 premium
Margin of Safety
-40.5%
Fair Value
$54.81
Current Price
$66.88
$12.07 premium
Key Strengths & Concerns
Side-by-side fundamental analysis
Key Strengths
Strong operational efficiency at 34.0%
Large-cap with strong market position
Keeps 28 of every $100 in revenue as profit
Growing faster than its price suggests
Attractively priced relative to earnings
Attractively priced relative to earnings
Keeps 31 of every $100 in revenue as profit
Reasonable price relative to book value
Strong operational efficiency at 27.8%
Areas to Watch
3.0% revenue growth
Earnings declined 3.7%
Expensive relative to growth rate
Earnings declined 23.8%
Negative free cash flow — burning cash
Distress zone — elevated risk
Comparative Analysis Report
WallStSmart ResearchBull Case : IBN
The strongest argument for IBN centers on Operating Margin, Market Cap, Profit Margin. Profitability is solid with margins at 27.5% and operating margin at 34.0%. PEG of 0.53 suggests the stock is reasonably priced for its growth.
Bull Case : WF
The strongest argument for WF centers on P/E Ratio, Profit Margin, Price/Book. Profitability is solid with margins at 31.4% and operating margin at 27.8%.
Bear Case : IBN
The primary concerns for IBN are Revenue Growth, EPS Growth.
Bear Case : WF
The primary concerns for WF are PEG Ratio, EPS Growth, Free Cash Flow.
Key Dynamics to Monitor
IBN profiles as a value stock while WF is a mature play — different risk/reward profiles.
WF carries more volatility with a beta of 0.72 — expect wider price swings.
WF is growing revenue faster at 5.7% — sustainability is the question.
Monitor BANKS - REGIONAL industry trends, competitive dynamics, and regulatory changes.
Bottom Line
IBN scores higher overall (69/100 vs 62/100), backed by strong 27.5% margins. Both earn "Strong Buy" and "Buy" ratings respectively — the choice depends on your investment horizon and risk tolerance.
This analysis is generated from publicly available financial data. Not financial advice.
ICICI Bank Limited
FINANCIAL SERVICES · BANKS - REGIONAL · USA
ICICI Bank Limited offers various banking products and financial services in India and internationally. The company is headquartered in Mumbai, India.
Visit Website →Woori Financial Group Inc
FINANCIAL SERVICES · BANKS - REGIONAL · USA
Woori Financial Group Inc. is a commercial bank providing a range of financial services to individual, commercial and institutional clients in Korea. The company is headquartered in Seoul, South Korea.
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