COMP <GO>

WF vs CIB // EV/EBITDA & P/E VALUATION

Woori Financial Group Inc. (each representing three (3) shares of ) (NYSE) VS. Grupo Cibest S.A. American (NYSE) • 15-METRIC TALLY: WF 1 — CIB 1

■ METRIC PARITY

WF — Woori Financial Group Inc. (each representing three (3) shares of ) ROARABLE D • RQD 46/100

LAST: $67.25 (-0.62%) • MKT CAP: $16.62B

DES <GO> FA <GO> 10-K RED <GO>

valuation

—

CIB — Grupo Cibest S.A. American ROARABLE D+ • RQD 58/100

LAST: $92.02 (-1.65%) • MKT CAP: $22.30B

DES <GO> FA <GO> 10-K RED <GO>

valuation

21.0x

15-METRIC INSTITUTIONAL SIDE-BY-SIDE SCORECARD (WF VS. CIB) EMERALD CELL = QUANTITATIVE EDGE

INSTITUTIONAL METRIC	WF	CIB	SPREAD (A - B)	ADVANTAGE	DEDICATED URL
Gross Profit Margin	—	—	—	TIE	/gross-margins <GO>
Return on Invested Capital (ROIC)	—	9.90%	—	TIE	/roic <GO>
EV/EBITDA & P/E Valuation ACTIVE	—	21.0x	—	TIE	/valuation <GO>
Free Cash Flow Yield	—	2.21%	—	TIE	/fcf-yield <GO>
Operating Margin	—	13.90%	—	TIE	/operating-margins <GO>
Net Profit Margin	—	10.90%	—	TIE	/net-margins <GO>
Revenue Growth (YoY)	—	3.30%	—	TIE	/revenue-growth <GO>
Dividend Yield & FCF Payout Safety	0.00%	0.00%	0.00	TIE	/dividend-safety <GO>
Altman Z-Score & Debt/Equity	—	—	—	TIE	/balance-sheet <GO>
Piotroski F-Score Quality	—	7/9	—	TIE	/piotroski-score <GO>
Options Implied Move & Put/Call Skew	—	—	—	TIE	/options-implied-move <GO>
RSI-14 & 200D SMA Momentum	40.2	38.9	+1.30	WF	/rsi-technicals <GO>
10Y Yield & FRED Macro Beta	—	1.00	—	TIE	/macro-sensitivity <GO>
Forward P/E Multiple	—	30.5x	—	TIE	/forward-pe <GO>
Enterprise Scale & Market Cap	$16.62B	$22.30B	-$5.68B	CIB	/market-cap <GO>

5-YEAR HISTORICAL XBRL REVENUE & MARGIN TRAJECTORY SEC FORM 10-K FY

FISCAL YEAR	WF REV	CIB REV	WF GROSS %	CIB GROSS %	WF FCF	CIB FCF
INSPECT INDIVIDUAL XBRL MODELS AT WF FA <GO> AND CIB FA <GO>.

FRED MACRO REGIME CORRELATION COMPARISON PEARSON r

WF // BETA —

CIB // BETA 1.00