WallStSmart

Mizuho Financial Group Inc. (MFG)vsWoori Financial Group Inc (WF)

VS

Smart Verdict

WallStSmart Research — data-driven comparison

Woori Financial Group Inc generates 129% more annual revenue ($10.86T vs $4.74T). WF leads profitability with a 29.3% profit margin vs 29.1%. MFG appears more attractively valued with a PEG of 1.70. MFG earns a higher WallStSmart Score of 82/100 (A-).

MFG

Exceptional Buy

82

out of 100

Grade: A-

Growth: 10.0Profit: 7.5Value: 5.7Quality: 4.0
Piotroski: 6/9Altman Z: 0.29

WF

Strong Buy

74

out of 100

Grade: B

Growth: 6.0Profit: 7.5Value: 5.7Quality: 3.0
Piotroski: 4/9Altman Z: 0.12

Key Strengths & Concerns

Side-by-side fundamental analysis

Key Strengths

MFG6 strengths · Avg: 9.0/10
Operating MarginProfitability
46.7%10/10

Strong operational efficiency at 46.7%

Revenue GrowthGrowth
35.0%10/10

Revenue surging 35.0% year-over-year

Market CapQuality
$136.43B9/10

Large-cap with strong market position

Profit MarginProfitability
29.1%9/10

Keeps 29 of every $100 in revenue as profit

P/E RatioValuation
15.8x8/10

Attractively priced relative to earnings

Price/BookValuation
1.9x8/10

Reasonable price relative to book value

WF6 strengths · Avg: 9.8/10
P/E RatioValuation
8.5x10/10

Attractively priced relative to earnings

Price/BookValuation
0.8x10/10

Reasonable price relative to book value

Operating MarginProfitability
45.4%10/10

Strong operational efficiency at 45.4%

Revenue GrowthGrowth
33.7%10/10

Revenue surging 33.7% year-over-year

Free Cash FlowQuality
$6.38T10/10

Generating 6.4T in free cash flow

Profit MarginProfitability
29.3%9/10

Keeps 29 of every $100 in revenue as profit

Areas to Watch

MFG3 concerns · Avg: 2.3/10
PEG RatioValuation
1.704/10

Expensive relative to growth rate

Altman Z-ScoreHealth
0.292/10

Distress zone — elevated risk

Debt/EquityHealth
5.911/10

Elevated debt levels

WF3 concerns · Avg: 1.7/10
PEG RatioValuation
2.582/10

Expensive relative to growth rate

Altman Z-ScoreHealth
0.122/10

Distress zone — elevated risk

Debt/EquityHealth
2.641/10

Elevated debt levels

Comparative Analysis Report

WallStSmart Research

Bull Case : MFG

The strongest argument for MFG centers on Operating Margin, Revenue Growth, Market Cap. Profitability is solid with margins at 29.1% and operating margin at 46.7%. Revenue growth of 35.0% demonstrates continued momentum.

Bull Case : WF

The strongest argument for WF centers on P/E Ratio, Price/Book, Operating Margin. Profitability is solid with margins at 29.3% and operating margin at 45.4%. Revenue growth of 33.7% demonstrates continued momentum.

Bear Case : MFG

The primary concerns for MFG are PEG Ratio, Altman Z-Score, Debt/Equity. Debt-to-equity of 5.91 is elevated, increasing financial risk.

Bear Case : WF

The primary concerns for WF are PEG Ratio, Altman Z-Score, Debt/Equity. Debt-to-equity of 2.64 is elevated, increasing financial risk.

Key Dynamics to Monitor

WF carries more volatility with a beta of 0.52 — expect wider price swings.

MFG is growing revenue faster at 35.0% — sustainability is the question.

Monitor BANKS - REGIONAL industry trends, competitive dynamics, and regulatory changes.

Bottom Line

MFG scores higher overall (82/100 vs 74/100), backed by strong 29.1% margins and 35.0% revenue growth. Both earn "Exceptional Buy" and "Strong 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.

Mizuho Financial Group Inc.

FINANCIAL SERVICES · BANKS - REGIONAL · USA

Mizuho Financial Group, Inc. engages in banking, trusts, securities and other businesses related to financial services in Japan, America, Europe, Asia / Oceania and internationally. The company is headquartered in Tokyo, Japan.

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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